CORPAY INC (CPAY) Stock Fundamental Analysis
USA - NYSE:CPAY - US2199481068 - Common Stock
276.46 USD
-1.54 (-0.55%)
We assign a fundamental rating of 6 out of 10 to CPAY. CPAY was compared to 98 industry peers in the Financial Services industry. CPAY has an excellent profitability rating, but there are some minor concerns on its financial health. CPAY has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CPAY was profitable.
In the past year CPAY had a positive cash flow from operations.
Each year in the past 5 years CPAY has been profitable.
In the past 5 years CPAY always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 5.14%, CPAY is doing good in the industry, outperforming 75.51% of the companies in the same industry.
The Return On Equity of CPAY (26.72%) is better than 90.82% of its industry peers.
With an excellent Return On Invested Capital value of 10.80%, CPAY belongs to the best of the industry, outperforming 85.71% 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 7.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.14% | ||
| ROE | 26.72% | ||
| ROIC | 10.8% |
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
With an excellent Profit Margin value of 25.17%, CPAY belongs to the best of the industry, outperforming 80.61% of the companies in the same industry.
CPAY's Profit Margin has declined in the last couple of years.
CPAY has a Operating Margin of 43.91%. This is amongst the best in the industry. CPAY outperforms 84.69% 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 78.12%. This is amongst the best in the industry. CPAY outperforms 83.67% of its industry peers.
In the last couple of years the Gross Margin of CPAY has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 43.91% | ||
| PM (TTM) | 25.17% | ||
| GM | 78.12% |
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.
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 a worse debt to assets ratio.
2.2 Solvency
CPAY has an Altman-Z score of 1.95. 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.
The Altman-Z score of CPAY (1.95) is better than 75.51% of its industry peers.
The Debt to FCF ratio of CPAY is 4.21, which is a neutral value as it means it would take CPAY, 4.21 years of fcf income to pay off all of its debts.
CPAY has a better Debt to FCF ratio (4.21) than 70.41% of its industry peers.
CPAY has a Debt/Equity ratio of 1.91. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.91, CPAY is doing worse than 67.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.91 | ||
| Debt/FCF | 4.21 | ||
| Altman-Z | 1.95 |
ROIC/WACC1.39
WACC7.75%
2.3 Liquidity
A Current Ratio of 1.12 indicates that CPAY should not have too much problems paying its short term obligations.
CPAY has a Current ratio (1.12) which is in line with its industry peers.
A Quick Ratio of 1.12 indicates that CPAY should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.12, CPAY perfoms like the industry average, outperforming 58.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.43% over the past year.
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 a small growth in Revenue. In the last year, the Revenue has grown by 5.77%.
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)5.77%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%13.92%
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 15.01% yearly.
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 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
With a Price/Earnings ratio of 13.36, CPAY is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as CPAY.
CPAY is valuated rather cheaply when we compare the Price/Earnings ratio to 25.67, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.15, the valuation of CPAY can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CPAY is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 31.86. CPAY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.36 | ||
| Fwd PE | 11.15 |
4.2 Price Multiples
CPAY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CPAY is cheaper than 66.33% 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 69.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.12 | ||
| EV/EBITDA | 10.88 |
4.3 Compensation for Growth
CPAY's 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)1.03
PEG (5Y)1.33
EPS Next 2Y14.23%
EPS Next 3Y14.46%
5. Dividend
5.1 Amount
No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CPAY (11/7/2025, 10:52:49 AM)
276.46
-1.54 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.85%
Inst Owner Change-0.66%
Ins Owners3.52%
Ins Owner Change1.61%
Market Cap19.52B
Revenue(TTM)3.97B
Net Income(TTM)1.05B
Analysts80.91
Price Target377 (36.37%)
Short Float %2.09%
Short Ratio3.61
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)-1.91%
Min EPS beat(2)-2.03%
Max EPS beat(2)-1.79%
EPS beat(4)0
Avg EPS beat(4)-1.76%
Min EPS beat(4)-2.03%
Max EPS beat(4)-1.45%
EPS beat(8)0
Avg EPS beat(8)-1.85%
EPS beat(12)2
Avg EPS beat(12)-1.27%
EPS beat(16)5
Avg EPS beat(16)-0.4%
Revenue beat(2)0
Avg Revenue beat(2)-2.27%
Min Revenue beat(2)-2.93%
Max Revenue beat(2)-1.6%
Revenue beat(4)0
Avg Revenue beat(4)-2.43%
Min Revenue beat(4)-3.5%
Max Revenue beat(4)-1.6%
Revenue beat(8)0
Avg Revenue beat(8)-2.73%
Revenue beat(12)1
Avg Revenue beat(12)-2.06%
Revenue beat(16)5
Avg Revenue beat(16)-1.05%
PT rev (1m)-4.14%
PT rev (3m)-5.57%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)0.11%
EPS NY rev (1m)0.01%
EPS NY rev (3m)0.3%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.36 | ||
| Fwd PE | 11.15 | ||
| P/S | 4.68 | ||
| P/FCF | 10.12 | ||
| P/OCF | 9.23 | ||
| P/B | 4.97 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.88 |
EPS(TTM)20.7
EY7.49%
EPS(NY)24.8
Fwd EY8.97%
FCF(TTM)27.31
FCFY9.88%
OCF(TTM)29.96
OCFY10.84%
SpS59.08
BVpS55.64
TBVpS-67.66
PEG (NY)1.03
PEG (5Y)1.33
Graham Number160.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.14% | ||
| ROE | 26.72% | ||
| ROCE | 16.97% | ||
| ROIC | 10.8% | ||
| ROICexc | 13.11% | ||
| ROICexgc | 87.43% | ||
| OM | 43.91% | ||
| PM (TTM) | 25.17% | ||
| GM | 78.12% | ||
| FCFM | 46.23% |
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-Score7
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.91 | ||
| Debt/FCF | 4.21 | ||
| Debt/EBITDA | 3.42 | ||
| Cap/Depr | 51.24% | ||
| Cap/Sales | 4.49% | ||
| Interest Coverage | 3.69 | ||
| Cash Conversion | 96.28% | ||
| Profit Quality | 183.69% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 1.95 |
F-Score7
WACC7.75%
ROIC/WACC1.39
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)5.77%
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 1Y7.76%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year33.06%
EBIT Next 3Y17.93%
EBIT Next 5Y15.62%
FCF growth 1Y40.15%
FCF growth 3Y17.6%
FCF growth 5Y10.19%
OCF growth 1Y37.41%
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 13.36 and the Price/Book (PB) ratio is 4.97.