CORPAY INC (CPAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPAY - US2199481068 - Common Stock
320.66 USD
-10.11 (-3.06%)
320.66 USD
0 (0%)
Taking everything into account, CPAY scores 5 out of 10 in our fundamental rating. CPAY was compared to 97 industry peers in the Financial Services industry. While CPAY belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. CPAY is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- In the past year CPAY was profitable.
- CPAY had a positive operating cash flow in the past year.
- In the past 5 years CPAY has always been profitable.
- In the past 5 years CPAY always reported a positive cash flow from operatings.
1.2 Ratios
- CPAY has a Return On Assets of 5.32%. This is in the better half of the industry: CPAY outperforms 75.51% of its industry peers.
- CPAY has a Return On Equity of 25.79%. This is amongst the best in 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 8.44%.
| 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 Profit Margin of 24.37%. This is amongst the best in the industry. CPAY outperforms 81.63% of its industry peers.
- CPAY's Profit Margin has declined in the last couple of years.
- CPAY's Operating Margin of 43.73% is amongst the best of the industry. CPAY outperforms 80.61% of its industry peers.
- CPAY's Operating Margin has been stable in the last couple of years.
- The Gross Margin of CPAY (78.26%) is better than 82.65% 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CPAY is creating some value.
- CPAY has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for CPAY has been reduced compared to 5 years ago.
- The debt/assets ratio for CPAY is higher compared to a year ago.
2.2 Solvency
- CPAY has an Altman-Z score of 2.17. 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 2.17. This is in the better half of the industry: CPAY outperforms 77.55% of its industry peers.
- CPAY has a debt to FCF ratio of 7.10. This is a slightly negative value and a sign of low solvency as CPAY would need 7.10 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 7.10, CPAY is in line with its industry, outperforming 51.02% of the companies in the same 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 66.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.17 |
ROIC/WACC1.33
WACC8.27%
2.3 Liquidity
- A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
- CPAY has a Current ratio (1.13) which is comparable to the rest of the 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 has a Quick ratio (1.13) which is in line with 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%.
- Measured over the past years, CPAY shows a quite strong growth in Revenue. The Revenue has been growing by 8.45% on average per year.
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.
- Based on estimates for the next years, CPAY will show a quite strong growth in Revenue. The Revenue will grow by 10.09% on average per year.
EPS Next Y14.09%
EPS Next 2Y15.23%
EPS Next 3Y15.45%
EPS Next 5Y15.01%
Revenue Next Year13.12%
Revenue Next 2Y14.35%
Revenue Next 3Y13.06%
Revenue Next 5Y10.09%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 15.49, CPAY is valued correctly.
- CPAY's Price/Earnings ratio is in line with the industry average.
- CPAY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.38.
- CPAY is valuated correctly with a Price/Forward Earnings ratio of 12.70.
- CPAY's Price/Forward Earnings ratio is in line with the industry average.
- CPAY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.49 | ||
| Fwd PE | 12.7 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CPAY is valued a bit cheaper than 60.20% of the companies in the same industry.
- 60.20% of the companies in the same industry are more expensive than CPAY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.62 | ||
| EV/EBITDA | 11.88 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- CPAY has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as CPAY's earnings are expected to grow with 15.45% in the coming years.
PEG (NY)1.1
PEG (5Y)1.55
EPS Next 2Y15.23%
EPS Next 3Y15.45%
5. Dividend
5.1 Amount
- No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
320.66
-10.11 (-3.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-02 2026-02-02/amc
Inst Owners96.28%
Inst Owner Change-0.01%
Ins Owners3.55%
Ins Owner Change-0.05%
Market Cap22.43B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts82.73
Price Target362.48 (13.04%)
Short Float %2.84%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0.3%
PT rev (3m)-7.83%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)2.61%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)1.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.49 | ||
| Fwd PE | 12.7 | ||
| P/S | 5.2 | ||
| P/FCF | 19.62 | ||
| P/OCF | 16.79 | ||
| P/B | 5.5 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.88 |
EPS(TTM)20.7
EY6.46%
EPS(NY)25.24
Fwd EY7.87%
FCF(TTM)16.34
FCFY5.1%
OCF(TTM)19.09
OCFY5.95%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1.1
PEG (5Y)1.55
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 | 2.17 |
F-Score6
WACC8.27%
ROIC/WACC1.33
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 Y14.09%
EPS Next 2Y15.23%
EPS Next 3Y15.45%
EPS Next 5Y15.01%
Revenue 1Y (TTM)11.27%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%13.92%
Revenue Next Year13.12%
Revenue Next 2Y14.35%
Revenue Next 3Y13.06%
Revenue Next 5Y10.09%
EBIT growth 1Y9.51%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year34.25%
EBIT Next 3Y20.34%
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 fundamental rating for CPAY stock?
ChartMill assigns a fundamental rating of 5 / 10 to CPAY.
What is the valuation status for CPAY stock?
ChartMill assigns a valuation rating of 5 / 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 is the expected EPS growth for CORPAY INC (CPAY) stock?
The Earnings per Share (EPS) of CORPAY INC (CPAY) is expected to grow by 14.09% in the next year.