CORPAY INC (CPAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPAY - US2199481068 - Common Stock
310.52 USD
+13.13 (+4.42%)
CPAY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. CPAY scores excellent on profitability, but there are some minor concerns on its financial health. CPAY is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year CPAY was profitable.
CPAY had a positive operating cash flow in the past year.
Each year in the past 5 years CPAY has been profitable.
CPAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 5.32%, CPAY is doing good in the industry, outperforming 75.51% of the companies in the same industry.
CPAY's Return On Equity of 25.79% is amongst the best of the industry. CPAY outperforms 91.84% of its industry peers.
Looking at the Return On Invested Capital, with a value of 10.98%, CPAY belongs to the top of the industry, outperforming 84.69% of the companies in the same industry.
CPAY had an Average Return On Invested Capital over the past 3 years of 12.51%. This is above the industry average of 8.20%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.32% | ||
| ROE | 25.79% | ||
| ROIC | 10.98% |
ROA(3y)6.24%
ROA(5y)6.25%
ROE(3y)33.21%
ROE(5y)29.98%
ROIC(3y)12.51%
ROIC(5y)11.72%
1.3 Margins
CPAY has a better Profit Margin (24.37%) than 81.63% of its industry peers.
CPAY's Profit Margin has declined in the last couple of years.
CPAY has a Operating Margin of 43.73%. This is amongst the best in the industry. CPAY outperforms 80.61% of its industry peers.
In the last couple of years the Operating Margin of CPAY has remained more or less at the same level.
CPAY has a Gross Margin of 78.26%. This is amongst the best in the industry. CPAY outperforms 83.67% of its industry peers.
CPAY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 43.73% | ||
| PM (TTM) | 24.37% | ||
| GM | 78.26% |
OM growth 3Y0.25%
OM growth 5Y-1.02%
PM growth 3Y-5.18%
PM growth 5Y-5.66%
GM growth 3YN/A
GM growth 5Y-4.82%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CPAY is still creating some value.
CPAY has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CPAY has less shares outstanding
Compared to 1 year ago, CPAY has a worse debt to assets ratio.
2.2 Solvency
CPAY has an Altman-Z score of 2.11. This is not the best score and indicates that CPAY is in the grey zone with still only limited risk for bankruptcy at the moment.
CPAY has a Altman-Z score of 2.11. This is in the better half of the industry: CPAY outperforms 76.53% of its industry peers.
The Debt to FCF ratio of CPAY is 7.10, which is on the high side as it means it would take CPAY, 7.10 years of fcf income to pay off all of its debts.
CPAY has a Debt to FCF ratio (7.10) which is comparable to the rest of the industry.
CPAY has a Debt/Equity ratio of 1.86. This is a high value indicating a heavy dependency on external financing.
CPAY's Debt to Equity ratio of 1.86 is on the low side compared to the rest of the industry. CPAY is outperformed by 65.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.11 |
ROIC/WACC1.42
WACC7.72%
2.3 Liquidity
A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
With a Current ratio value of 1.13, CPAY perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
CPAY has a Quick Ratio of 1.13. This is a normal value and indicates that CPAY is financially healthy and should not expect problems in meeting its short term obligations.
CPAY's Quick ratio of 1.13 is in line compared to the rest of the industry. CPAY outperforms 59.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 |
3. Growth
3.1 Past
CPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.43%, which is quite good.
Measured over the past years, CPAY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.
CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.27%.
CPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.45% yearly.
EPS 1Y (TTM)14.43%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%14%
Revenue 1Y (TTM)11.27%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%13.92%
3.2 Future
Based on estimates for the next years, CPAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.01% on average per year.
The Revenue is expected to grow by 10.09% on average over the next years. This is quite good.
EPS Next Y13.02%
EPS Next 2Y14.23%
EPS Next 3Y14.46%
EPS Next 5Y15.01%
Revenue Next Year11.47%
Revenue Next 2Y11.22%
Revenue Next 3Y10.91%
Revenue Next 5Y10.09%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.00, the valuation of CPAY can be described as correct.
CPAY's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of CPAY to the average of the S&P500 Index (26.41), we can say CPAY is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.52 indicates a correct valuation of CPAY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CPAY is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of CPAY to the average of the S&P500 Index (35.40), we can say CPAY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 12.52 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPAY is valued a bit cheaper than 62.24% of the companies in the same industry.
CPAY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CPAY is cheaper than 61.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19 | ||
| EV/EBITDA | 11.16 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of CPAY may justify a higher PE ratio.
CPAY's earnings are expected to grow with 14.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.15
PEG (5Y)1.5
EPS Next 2Y14.23%
EPS Next 3Y14.46%
5. Dividend
5.1 Amount
CPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CPAY (12/5/2025, 1:05:00 PM)
310.52
+13.13 (+4.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.85%
Inst Owner Change5.89%
Ins Owners3.52%
Ins Owner Change-0.04%
Market Cap21.72B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts80.91
Price Target360.24 (16.01%)
Short Float %1.8%
Short Ratio2.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.37%
Min EPS beat(2)-1.79%
Max EPS beat(2)-0.95%
EPS beat(4)0
Avg EPS beat(4)-1.64%
Min EPS beat(4)-2.03%
Max EPS beat(4)-0.95%
EPS beat(8)0
Avg EPS beat(8)-1.7%
EPS beat(12)2
Avg EPS beat(12)-1.3%
EPS beat(16)5
Avg EPS beat(16)-0.41%
Revenue beat(2)0
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-1.6%
Max Revenue beat(2)-1.06%
Revenue beat(4)0
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-3.5%
Max Revenue beat(4)-1.06%
Revenue beat(8)0
Avg Revenue beat(8)-2.52%
Revenue beat(12)1
Avg Revenue beat(12)-2.1%
Revenue beat(16)4
Avg Revenue beat(16)-1.12%
PT rev (1m)-8.4%
PT rev (3m)-8.4%
EPS NQ rev (1m)2.83%
EPS NQ rev (3m)2.74%
EPS NY rev (1m)0.07%
EPS NY rev (3m)0.08%
Revenue NQ rev (1m)5%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 12.52 | ||
| P/S | 5.03 | ||
| P/FCF | 19 | ||
| P/OCF | 16.26 | ||
| P/B | 5.33 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.16 |
EPS(TTM)20.7
EY6.67%
EPS(NY)24.8
Fwd EY7.99%
FCF(TTM)16.34
FCFY5.26%
OCF(TTM)19.09
OCFY6.15%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1.15
PEG (5Y)1.5
Graham Number164.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.32% | ||
| ROE | 25.79% | ||
| ROCE | 17.42% | ||
| ROIC | 10.98% | ||
| ROICexc | 13.07% | ||
| ROICexgc | 71.49% | ||
| OM | 43.73% | ||
| PM (TTM) | 24.37% | ||
| GM | 78.26% | ||
| FCFM | 26.5% |
ROA(3y)6.24%
ROA(5y)6.25%
ROE(3y)33.21%
ROE(5y)29.98%
ROIC(3y)12.51%
ROIC(5y)11.72%
ROICexc(3y)14.83%
ROICexc(5y)13.92%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)18.71%
ROCE(5y)16.98%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y1.1%
ROICexc growth 5Y0.59%
OM growth 3Y0.25%
OM growth 5Y-1.02%
PM growth 3Y-5.18%
PM growth 5Y-5.66%
GM growth 3YN/A
GM growth 5Y-4.82%
F-Score6
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Debt/EBITDA | 3.36 | ||
| Cap/Depr | 52.13% | ||
| Cap/Sales | 4.46% | ||
| Interest Coverage | 3.9 | ||
| Cash Conversion | 59.22% | ||
| Profit Quality | 108.76% | ||
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 | ||
| Altman-Z | 2.11 |
F-Score6
WACC7.72%
ROIC/WACC1.42
Cap/Depr(3y)47.52%
Cap/Depr(5y)42.51%
Cap/Sales(3y)4.31%
Cap/Sales(5y)4.03%
Profit Quality(3y)145.81%
Profit Quality(5y)152.95%
High Growth Momentum
Growth
EPS 1Y (TTM)14.43%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%14%
EPS Next Y13.02%
EPS Next 2Y14.23%
EPS Next 3Y14.46%
EPS Next 5Y15.01%
Revenue 1Y (TTM)11.27%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%13.92%
Revenue Next Year11.47%
Revenue Next 2Y11.22%
Revenue Next 3Y10.91%
Revenue Next 5Y10.09%
EBIT growth 1Y9.51%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year33.06%
EBIT Next 3Y17.93%
EBIT Next 5Y15.62%
FCF growth 1Y7.96%
FCF growth 3Y17.6%
FCF growth 5Y10.19%
OCF growth 1Y9.49%
OCF growth 3Y17.47%
OCF growth 5Y10.8%
CORPAY INC / CPAY FAQ
What is the ChartMill fundamental rating of CORPAY INC (CPAY) stock?
ChartMill assigns a fundamental rating of 6 / 10 to CPAY.
Can you provide the valuation status for CORPAY INC?
ChartMill assigns a valuation rating of 6 / 10 to CORPAY INC (CPAY). This can be considered as Fairly Valued.
Can you provide the profitability details for CORPAY INC?
CORPAY INC (CPAY) has a profitability rating of 7 / 10.
What are the PE and PB ratios of CORPAY INC (CPAY) stock?
The Price/Earnings (PE) ratio for CORPAY INC (CPAY) is 15 and the Price/Book (PB) ratio is 5.33.