CORPAY INC (CPAY) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CPAY • US2199481068

355.295 USD
-0.62 (-0.17%)
Last: Feb 10, 2026, 02:40 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall CPAY gets a fundamental rating of 5 out of 10. We evaluated CPAY against 96 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.


Dividend Valuation Growth Profitability Health

7

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.
CPAY Yearly Net Income VS EBIT VS OCF VS FCFCPAY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

1.2 Ratios

  • The Return On Assets of CPAY (4.05%) is better than 72.92% of its industry peers.
  • CPAY's Return On Equity of 27.55% is amongst the best of the industry. CPAY outperforms 92.71% 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 81.25% of the companies in the same industry.
  • CPAY had an Average Return On Invested Capital over the past 3 years of 11.18%. This is above the industry average of 8.60%.
Industry RankSector 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%
CPAY Yearly ROA, ROE, ROICCPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • The Profit Margin of CPAY (23.62%) is better than 81.25% of its industry peers.
  • In the last couple of years the Profit Margin of CPAY has declined.
  • CPAY has a Operating Margin of 42.86%. This is amongst the best in the industry. CPAY outperforms 81.25% of its industry peers.
  • CPAY's Operating Margin has been stable in the last couple of years.
  • CPAY has a better Gross Margin (78.60%) than 83.33% of its industry peers.
Industry RankSector 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
CPAY Yearly Profit, Operating, Gross MarginsCPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The number of shares outstanding for CPAY has been reduced compared to 1 year ago.
  • CPAY has less shares outstanding than it did 5 years ago.
  • CPAY has a better debt/assets ratio than last year.
CPAY Yearly Shares OutstandingCPAY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
CPAY Yearly Total Debt VS Total AssetsCPAY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • CPAY has an Altman-Z score of 1.61. This is a bad value and indicates that CPAY is not financially healthy and even has some risk of bankruptcy.
  • CPAY's Altman-Z score of 1.61 is fine compared to the rest of the industry. CPAY outperforms 69.79% of its industry peers.
  • The Debt to FCF ratio of CPAY is 7.70, which is on the high side as it means it would take CPAY, 7.70 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of CPAY (7.70) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 2.18 is on the high side and indicates that CPAY has dependencies on debt financing.
  • CPAY's Debt to Equity ratio of 2.18 is on the low side compared to the rest of the industry. CPAY is outperformed by 68.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Altman-Z 1.61
ROIC/WACC1.16
WACC8.53%
CPAY Yearly LT Debt VS Equity VS FCFCPAY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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.
  • CPAY has a Current ratio (0.98) which is in line with its industry peers.
  • 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.
  • The Quick ratio of CPAY (0.98) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
CPAY Yearly Current Assets VS Current LiabilitesCPAY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

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.
  • Measured over the past years, CPAY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.03% on average per year.
  • Looking at the last year, CPAY shows a quite strong growth in Revenue. The Revenue has grown by 13.93% in the last year.
  • The Revenue has been growing by 13.64% on average over the past years. This is quite good.
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

  • CPAY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.87% yearly.
  • Based on estimates for the next years, CPAY will show a quite strong growth in Revenue. The Revenue will grow by 9.08% on average per year.
EPS Next Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue Next Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5YN/A

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 stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CPAY Yearly Revenue VS EstimatesCPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
CPAY Yearly EPS VS EstimatesCPAY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.62, 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 28.06.
  • CPAY is valuated correctly with a Price/Forward Earnings ratio of 14.10.
  • CPAY's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.86. CPAY is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.62
Fwd PE 14.1
CPAY Price Earnings VS Forward Price EarningsCPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPAY is on the same level as its industry peers.
  • CPAY's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 19.13
EV/EBITDA 13.1
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

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.
  • The decent profitability rating of CPAY may justify a higher PE ratio.
  • A more expensive valuation may be justified as CPAY's earnings are expected to grow with 15.87% in the coming years.
PEG (NY)0.93
PEG (5Y)1.18
EPS Next 2Y16.79%
EPS Next 3Y15.87%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for CPAY!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CORPAY INC

NYSE:CPAY (2/10/2026, 2:40:00 PM)

355.295

-0.62 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners96.28%
Inst Owner Change1.93%
Ins Owners3.55%
Ins Owner Change-0.13%
Market Cap24.86B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts82.73
Price Target374.83 (5.5%)
Short Float %3.25%
Short Ratio4.02
Dividend
Industry RankSector 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)3.18%
PT rev (3m)-0.57%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)3%
EPS NY rev (1m)0.05%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.61%
Valuation
Industry RankSector Rank
PE 16.62
Fwd PE 14.1
P/S 5.49
P/FCF 19.13
P/OCF 16.57
P/B 6.4
P/tB N/A
EV/EBITDA 13.1
EPS(TTM)21.38
EY6.02%
EPS(NY)25.21
Fwd EY7.09%
FCF(TTM)18.57
FCFY5.23%
OCF(TTM)21.44
OCFY6.03%
SpS64.73
BVpS55.52
TBVpS-98.89
PEG (NY)0.93
PEG (5Y)1.18
Graham Number163.42
Profitability
Industry RankSector 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 RankSector 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 1.61
F-Score6
WACC8.53%
ROIC/WACC1.16
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 Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5YN/A
EBIT growth 1Y10.53%
EBIT growth 3Y10.5%
EBIT growth 5Y14.96%
EBIT Next Year42.2%
EBIT Next 3Y17.75%
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.