CORPAY INC (CPAY) Stock Fundamental Analysis

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

354.19 USD
+19.19 (+5.73%)
At close: Feb 6, 2026
354.19 USD
0 (0%)
After Hours: 2/6/2026, 8:26:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

CPAY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • CPAY had positive earnings in the past year.
  • In the past year CPAY had a positive cash flow from operations.
  • Of the past 5 years CPAY 4 years were profitable.
  • Of the past 5 years CPAY 4 years had a positive operating cash flow.
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 500M 1B 1.5B 2B

1.2 Ratios

  • CPAY's Return On Assets of 5.32% is fine compared to the rest of the industry. CPAY outperforms 75.26% of its industry peers.
  • The Return On Equity of CPAY (25.79%) is better than 90.72% of its industry peers.
  • With an excellent Return On Invested Capital value of 10.98%, CPAY belongs to the best of the industry, outperforming 84.54% 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 8.54%.
Industry RankSector 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%
CPAY Yearly ROA, ROE, ROICCPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • Looking at the Profit Margin, with a value of 24.37%, CPAY belongs to the top of the industry, outperforming 81.44% of the companies in the same industry.
  • CPAY's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CPAY (43.73%) is better than 80.41% of its industry peers.
  • CPAY's Operating Margin has been stable in the last couple of years.
  • CPAY has a better Gross Margin (78.26%) than 82.47% of its industry peers.
  • CPAY's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
CPAY Yearly Profit, Operating, Gross MarginsCPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • CPAY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • CPAY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CPAY Yearly Shares OutstandingCPAY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B

2.2 Solvency

  • CPAY has an Altman-Z score of 2.21. 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 (2.21) is better than 80.41% 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.
  • With a Debt to FCF ratio value of 7.10, CPAY perfoms like the industry average, outperforming 51.55% of the companies in the same industry.
  • A Debt/Equity ratio of 1.86 is on the high side and indicates that CPAY has dependencies on debt financing.
  • The Debt to Equity ratio of CPAY (1.86) is worse than 64.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF 7.1
Altman-Z 2.21
ROIC/WACC1.33
WACC8.23%
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 1B 2B 3B 4B 5B

2.3 Liquidity

  • CPAY has a Current 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.
  • Looking at the Current ratio, with a value of 1.13, CPAY is in line with its industry, outperforming 56.70% 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 has a Quick ratio (1.13) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
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 2B 4B 6B 8B

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 12.47% over the past year.
  • CPAY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.03% yearly.
EPS 1Y (TTM)12.47%
EPS 3Y9.92%
EPS 5Y14.03%
EPS Q2Q%12.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
  • The Revenue is expected to grow by 9.08% on average over the next years. This is quite good.
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

  • The EPS growth rate is stable: in the next years the growth will be about the same 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

  • The Price/Earnings ratio is 16.57, which indicates a correct valuation of CPAY.
  • Compared to the rest of the industry, the Price/Earnings ratio of CPAY is on the same level as its industry peers.
  • CPAY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.92.
  • Based on the Price/Forward Earnings ratio of 14.05, the valuation of CPAY can be described as correct.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CPAY.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.78, CPAY is valued a bit cheaper.
Industry RankSector Rank
PE 16.57
Fwd PE 14.05
CPAY Price Earnings VS Forward Price EarningsCPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CPAY's Enterprise Value to EBITDA ratio is in line with the industry average.
  • CPAY's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 21.67
EV/EBITDA 12.32
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40 60 -60

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.
  • CPAY's earnings are expected to grow with 15.87% in the coming years. This may justify a more expensive valuation.
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

  • CPAY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CORPAY INC

NYSE:CPAY (2/6/2026, 8:26:19 PM)

After market: 354.19 0 (0%)

354.19

+19.19 (+5.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners96.28%
Inst Owner Change-0.21%
Ins Owners3.55%
Ins Owner Change-0.13%
Market Cap24.78B
Revenue(TTM)N/A
Net Income(TTM)1.05B
Analysts82.73
Price Target374.83 (5.83%)
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)-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)-0.22%
PT rev (3m)-7.83%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)3.01%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.57%
Valuation
Industry RankSector Rank
PE 16.57
Fwd PE 14.05
P/S 5.74
P/FCF 21.67
P/OCF 18.55
P/B 6.08
P/tB N/A
EV/EBITDA 12.32
EPS(TTM)21.38
EY6.04%
EPS(NY)25.21
Fwd EY7.12%
FCF(TTM)16.34
FCFY4.61%
OCF(TTM)19.09
OCFY5.39%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)0.93
PEG (5Y)1.18
Graham Number167.41
Profitability
Industry RankSector 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 RankSector 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 2.21
F-Score6
WACC8.23%
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%20.67%
Revenue Next Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5YN/A
EBIT growth 1Y9.51%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year34.73%
EBIT Next 3Y20.42%
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 17.89% in the next year.