CORPAY INC (CPAY) Fundamental Analysis & Valuation
NYSE:CPAY • US2199481068
321.5 USD
-7.22 (-2.2%)
Last: Mar 5, 2026, 01:19 PM
This CPAY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall CPAY gets a fundamental rating of 5 out of 10. We evaluated CPAY against 97 industry peers in the Financial Services industry. CPAY scores excellent on profitability, but there are concerns on its financial health. CPAY has a decent growth rate and is not valued too expensively.
1. CPAY Profitability Analysis
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.
- Each year in the past 5 years CPAY had a positive operating cash flow.
1.2 Ratios
- CPAY has a Return On Assets of 4.05%. This is in the better half of the industry: CPAY outperforms 72.16% of its industry peers.
- CPAY's Return On Equity of 27.55% is amongst the best of the industry. CPAY outperforms 92.78% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 9.89%, CPAY belongs to the top of the industry, outperforming 81.44% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for CPAY is above the industry average of 8.35%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.05% | ||
| ROE | 27.55% | ||
| ROIC | 9.89% |
ROA(3y)5.33%
ROA(5y)5.8%
ROE(3y)29.87%
ROE(5y)31.29%
ROIC(3y)11.18%
ROIC(5y)11.44%
1.3 Margins
- CPAY has a better Profit Margin (23.62%) than 80.41% of its industry peers.
- CPAY's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 42.86%, CPAY belongs to the top of the industry, outperforming 81.44% of the companies in the same industry.
- In the last couple of years the Operating Margin of CPAY has remained more or less at the same level.
- Looking at the Gross Margin, with a value of 78.60%, CPAY belongs to the top of the industry, outperforming 83.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 42.86% | ||
| PM (TTM) | 23.62% | ||
| GM | 78.6% |
OM growth 3Y0.7%
OM growth 5Y1.15%
PM growth 3Y-5.33%
PM growth 5Y-4.33%
GM growth 3YN/A
GM growth 5YN/A
2. CPAY Health Analysis
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.
- The number of shares outstanding for CPAY has been reduced compared to 1 year ago.
- The number of shares outstanding for CPAY has been reduced compared to 5 years ago.
- Compared to 1 year ago, CPAY has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 1.55, we must say that CPAY is in the distress zone and has some risk of bankruptcy.
- With a decent Altman-Z score value of 1.55, CPAY is doing good in the industry, outperforming 71.13% of the companies in the same industry.
- CPAY has a debt to FCF ratio of 7.70. This is a slightly negative value and a sign of low solvency as CPAY would need 7.70 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 7.70, CPAY is in line with its industry, outperforming 47.42% of the companies in the same industry.
- CPAY has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 2.18, CPAY is doing worse than 68.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 7.7 | ||
| Altman-Z | 1.55 |
ROIC/WACC1.28
WACC7.73%
2.3 Liquidity
- CPAY has a Current Ratio of 0.98. This is a bad value and indicates that CPAY is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.98, CPAY is in line with its industry, outperforming 48.45% of the companies in the same industry.
- CPAY has a Quick Ratio of 0.98. This is a bad value and indicates that CPAY is not financially healthy enough and could expect problems in meeting its short term obligations.
- CPAY has a Quick ratio of 0.98. This is comparable to the rest of the industry: CPAY outperforms 49.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. CPAY Growth Analysis
3.1 Past
- CPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.47%, which is quite good.
- CPAY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.03% yearly.
- CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.93%.
- CPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.64% yearly.
EPS 1Y (TTM)12.47%
EPS 3Y9.92%
EPS 5Y14.03%
EPS Q2Q%12.69%
Revenue 1Y (TTM)13.93%
Revenue growth 3Y9.73%
Revenue growth 5Y13.64%
Sales Q2Q%20.67%
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 15.87% 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 10.72% on average per year.
EPS Next Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue Next Year16.82%
Revenue Next 2Y13.63%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. CPAY Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 15.04 indicates a correct valuation of CPAY.
- 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 (27.03), we can say CPAY is valued slightly cheaper.
- CPAY is valuated correctly with a Price/Forward Earnings ratio of 12.76.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CPAY is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.11, CPAY is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.04 | ||
| Fwd PE | 12.76 |
4.2 Price Multiples
- 61.86% of the companies in the same industry are more expensive than CPAY, based on the Enterprise Value to EBITDA ratio.
- CPAY's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.31 | ||
| EV/EBITDA | 12.29 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CPAY has a very decent profitability rating, which may justify a higher PE ratio.
- CPAY's earnings are expected to grow with 15.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)1.07
EPS Next 2Y16.79%
EPS Next 3Y15.87%
5. CPAY Dividend Analysis
5.1 Amount
- No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CPAY Fundamentals: All Metrics, Ratios and Statistics
NYSE:CPAY (3/5/2026, 1:19:45 PM)
321.5
-7.22 (-2.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)05-04 2026-05-04/amc
Inst Owners96.28%
Inst Owner Change2.35%
Ins Owners3.55%
Ins Owner Change0.11%
Market Cap22.49B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts83.64
Price Target387.93 (20.66%)
Short Float %3.02%
Short Ratio3.15
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)-0.66%
Min EPS beat(2)-0.95%
Max EPS beat(2)-0.36%
EPS beat(4)0
Avg EPS beat(4)-1.28%
Min EPS beat(4)-2.03%
Max EPS beat(4)-0.36%
EPS beat(8)0
Avg EPS beat(8)-1.4%
EPS beat(12)1
Avg EPS beat(12)-1.39%
EPS beat(16)4
Avg EPS beat(16)-0.52%
Revenue beat(2)0
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-1.06%
Max Revenue beat(2)-0.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.61%
Min Revenue beat(4)-2.93%
Max Revenue beat(4)-0.86%
Revenue beat(8)0
Avg Revenue beat(8)-1.96%
Revenue beat(12)1
Avg Revenue beat(12)-2.1%
Revenue beat(16)3
Avg Revenue beat(16)-1.34%
PT rev (1m)7.02%
PT rev (3m)7.69%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)-0.49%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)1.62%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)6.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.04 | ||
| Fwd PE | 12.76 | ||
| P/S | 4.97 | ||
| P/FCF | 17.31 | ||
| P/OCF | 15 | ||
| P/B | 5.79 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.29 |
EPS(TTM)21.38
EY6.65%
EPS(NY)25.21
Fwd EY7.84%
FCF(TTM)18.57
FCFY5.78%
OCF(TTM)21.44
OCFY6.67%
SpS64.73
BVpS55.52
TBVpS-98.89
PEG (NY)0.84
PEG (5Y)1.07
Graham Number163.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.05% | ||
| ROE | 27.55% | ||
| ROCE | 16.02% | ||
| ROIC | 9.89% | ||
| ROICexc | 12.05% | ||
| ROICexgc | 216.99% | ||
| OM | 42.86% | ||
| PM (TTM) | 23.62% | ||
| GM | 78.6% | ||
| FCFM | 28.69% |
ROA(3y)5.33%
ROA(5y)5.8%
ROE(3y)29.87%
ROE(5y)31.29%
ROIC(3y)11.18%
ROIC(5y)11.44%
ROICexc(3y)13.22%
ROICexc(5y)13.72%
ROICexgc(3y)186.24%
ROICexgc(5y)N/A
ROCE(3y)18.08%
ROCE(5y)17.51%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-7.95%
ROICexc growth 5Y2%
OM growth 3Y0.7%
OM growth 5Y1.15%
PM growth 3Y-5.33%
PM growth 5Y-4.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 7.7 | ||
| Debt/EBITDA | 3.63 | ||
| Cap/Depr | 51.04% | ||
| Cap/Sales | 4.43% | ||
| Interest Coverage | 3.95 | ||
| Cash Conversion | 64.26% | ||
| Profit Quality | 121.44% | ||
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 | ||
| Altman-Z | 1.55 |
F-Score6
WACC7.73%
ROIC/WACC1.28
Cap/Depr(3y)48.88%
Cap/Depr(5y)46.57%
Cap/Sales(3y)4.31%
Cap/Sales(5y)4.26%
Profit Quality(3y)165.21%
Profit Quality(5y)137.64%
High Growth Momentum
Growth
EPS 1Y (TTM)12.47%
EPS 3Y9.92%
EPS 5Y14.03%
EPS Q2Q%12.69%
EPS Next Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue 1Y (TTM)13.93%
Revenue growth 3Y9.73%
Revenue growth 5Y13.64%
Sales Q2Q%20.67%
Revenue Next Year16.82%
Revenue Next 2Y13.63%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%
EBIT growth 1Y10.53%
EBIT growth 3Y10.5%
EBIT growth 5Y14.96%
EBIT Next Year42.54%
EBIT Next 3Y21.02%
EBIT Next 5YN/A
FCF growth 1Y-26.41%
FCF growth 3Y29.13%
FCF growth 5Y-1.4%
OCF growth 1Y-22.71%
OCF growth 3Y25.72%
OCF growth 5Y0.37%
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 17.89% in the next year.