CORPAY INC (CPAY) Fundamental Analysis & Valuation

NYSE:CPAY • US2199481068

Current stock price

284.93 USD
-8.28 (-2.82%)
At close:
284.93 USD
0 (0%)
After Hours:

This CPAY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. CPAY Profitability Analysis

1.1 Basic Checks

  • CPAY had positive earnings in the past year.
  • In the past year CPAY had a positive cash flow from operations.
  • CPAY had positive earnings in each of the past 5 years.
  • Each year in the past 5 years CPAY 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 2025 500M 1B 1.5B 2B

1.2 Ratios

  • With a decent Return On Assets value of 4.05%, CPAY is doing good in the industry, outperforming 73.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 27.55%, CPAY belongs to the top of the industry, outperforming 93.00% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 9.95%, CPAY belongs to the best of the industry, outperforming 83.00% 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 8.03%.
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROIC 9.95%
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

  • CPAY's Profit Margin of 23.62% is amongst the best of the industry. CPAY outperforms 81.00% of its industry peers.
  • CPAY's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CPAY (43.10%) is better than 82.00% 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's Gross Margin of 78.60% is amongst the best of the industry. CPAY outperforms 84.00% of its industry peers.
Industry RankSector Rank
OM 43.1%
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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3

2. CPAY Health Analysis

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.
  • 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.
  • The debt/assets ratio for CPAY has been reduced compared to a year ago.
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 1.46. This is a bad value and indicates that CPAY is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of CPAY (1.46) is better than 72.00% 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.
  • CPAY has a Debt to FCF ratio of 7.70. This is comparable to the rest of the industry: CPAY outperforms 57.00% of its industry peers.
  • CPAY has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of CPAY (2.18) is worse than 67.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Altman-Z 1.46
ROIC/WACC1.34
WACC7.43%
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 of 0.98. This is comparable to the rest of the industry: CPAY outperforms 50.00% of 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.
  • CPAY has a Quick ratio (0.98) which 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

7

3. CPAY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.47% 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 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.
  • 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 17.89% 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 Y23.25%
EPS Next 2Y18.99%
EPS Next 3Y17.89%
EPS Next 5YN/A
Revenue Next Year16.8%
Revenue Next 2Y13.64%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
CPAY Yearly Revenue VS EstimatesCPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2B 4B 6B 8B
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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6

4. CPAY Valuation Analysis

4.1 Price/Earnings Ratio

  • CPAY is valuated correctly with a Price/Earnings ratio of 13.33.
  • The rest of the industry has a similar Price/Earnings ratio as CPAY.
  • When comparing the Price/Earnings ratio of CPAY to the average of the S&P500 Index (24.89), we can say CPAY is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 10.81 indicates a reasonable valuation of CPAY.
  • 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 22.19, CPAY is valued rather cheaply.
Industry RankSector Rank
PE 13.33
Fwd PE 10.81
CPAY Price Earnings VS Forward Price EarningsCPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPAY indicates a somewhat cheap valuation: CPAY is cheaper than 64.00% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPAY indicates a somewhat cheap valuation: CPAY is cheaper than 64.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.92
EV/EBITDA 10.69
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

4.3 Compensation for Growth

  • CPAY's 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 17.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)0.95
EPS Next 2Y18.99%
EPS Next 3Y17.89%

More info and screens

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

0

5. CPAY Dividend Analysis

5.1 Amount

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

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CPAY Fundamentals: All Metrics, Ratios and Statistics

CORPAY INC

NYSE:CPAY (3/27/2026, 8:09:20 PM)

After market: 284.93 0 (0%)

284.93

-8.28 (-2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners94.64%
Inst Owner Change2.36%
Ins Owners3.57%
Ins Owner Change0.08%
Market Cap19.39B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts84.35
Price Target394.52 (38.46%)
Short Float %3.6%
Short Ratio3.38
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)5.25%
PT rev (3m)8.6%
EPS NQ rev (1m)-0.23%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)4.54%
EPS NY rev (3m)3.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)1.13%
Valuation
Industry RankSector Rank
PE 13.33
Fwd PE 10.81
P/S 4.28
P/FCF 14.92
P/OCF 12.93
P/B 4.99
P/tB N/A
EV/EBITDA 10.69
EPS(TTM)21.38
EY7.5%
EPS(NY)26.35
Fwd EY9.25%
FCF(TTM)19.09
FCFY6.7%
OCF(TTM)22.04
OCFY7.74%
SpS66.55
BVpS57.07
TBVpS-101.67
PEG (NY)0.57
PEG (5Y)0.95
Graham Number165.7
Profitability
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROCE 16.12%
ROIC 9.95%
ROICexc 12.12%
ROICexgc 218.24%
OM 43.1%
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 3.62
Cap/Depr 51.04%
Cap/Sales 4.43%
Interest Coverage 3.97
Cash Conversion 63.96%
Profit Quality 121.44%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 1.46
F-Score6
WACC7.43%
ROIC/WACC1.34
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 Y23.25%
EPS Next 2Y18.99%
EPS Next 3Y17.89%
EPS Next 5YN/A
Revenue 1Y (TTM)13.93%
Revenue growth 3Y9.73%
Revenue growth 5Y13.64%
Sales Q2Q%20.67%
Revenue Next Year16.8%
Revenue Next 2Y13.64%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%
EBIT growth 1Y11.16%
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 Fundamental Analysis 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 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 is the expected EPS growth for CORPAY INC (CPAY) stock?

The Earnings per Share (EPS) of CORPAY INC (CPAY) is expected to grow by 23.25% in the next year.