CORPAY INC (CPAY) Fundamental Analysis & Valuation

NYSE:CPAY • US2199481068

324.33 USD
-4.39 (-1.34%)
At close: Mar 5, 2026
324.33 USD
0 (0%)
After Hours: 3/5/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

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. CPAY has an excellent profitability rating, but there are concerns on its financial health. CPAY has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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.
  • 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.
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

  • CPAY's Return On Assets of 4.05% is fine compared to the rest of the industry. CPAY outperforms 72.16% of its industry peers.
  • With an excellent Return On Equity value of 27.55%, CPAY belongs to the best of the industry, outperforming 92.78% of the companies in the same industry.
  • 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 8.34%.
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

  • CPAY has a better Profit Margin (23.62%) than 80.41% of its industry peers.
  • In the last couple of years the Profit Margin of CPAY has declined.
  • 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.
  • The Gross Margin of CPAY (78.60%) is better than 83.51% 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. 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.
  • 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

  • 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.
  • The Altman-Z score of CPAY (1.55) is better than 71.13% 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.
  • With a Debt to FCF ratio value of 7.70, CPAY perfoms like the industry average, outperforming 47.42% of the companies in the same industry.
  • A Debt/Equity ratio of 2.18 is on the high side and indicates that CPAY has dependencies on debt 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 RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Altman-Z 1.55
ROIC/WACC1.27
WACC7.76%
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's Current ratio of 0.98 is in line compared to the rest of the industry. CPAY outperforms 48.45% of its industry peers.
  • A Quick Ratio of 0.98 indicates that CPAY may have some problems paying 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 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. CPAY Growth Analysis

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.
  • The Revenue has grown by 13.93% in the past year. This is quite good.
  • 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 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.
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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5

4. CPAY Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.17, the valuation of CPAY can be described as correct.
  • CPAY's Price/Earnings is on the same level as the industry average.
  • CPAY is valuated rather cheaply when we compare the Price/Earnings ratio to 26.74, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 12.87, which indicates a correct valuation of CPAY.
  • CPAY's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of CPAY to the average of the S&P500 Index (24.82), we can say CPAY is valued slightly cheaper.
Industry RankSector Rank
PE 15.17
Fwd PE 12.87
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPAY indicates a somewhat cheap valuation: CPAY is cheaper than 61.86% of the companies listed in the same industry.
  • CPAY's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 17.47
EV/EBITDA 12.29
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)0.85
PEG (5Y)1.08
EPS Next 2Y16.79%
EPS Next 3Y15.87%

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

0

5. CPAY Dividend Analysis

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

CPAY Fundamentals: All Metrics, Ratios and Statistics

CORPAY INC

NYSE:CPAY (3/5/2026, 8:04:00 PM)

After market: 324.33 0 (0%)

324.33

-4.39 (-1.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners96.28%
Inst Owner Change2.35%
Ins Owners3.55%
Ins Owner Change0.11%
Market Cap22.69B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts83.64
Price Target387.93 (19.61%)
Short Float %3.02%
Short Ratio3.15
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)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 RankSector Rank
PE 15.17
Fwd PE 12.87
P/S 5.01
P/FCF 17.47
P/OCF 15.13
P/B 5.84
P/tB N/A
EV/EBITDA 12.29
EPS(TTM)21.38
EY6.59%
EPS(NY)25.21
Fwd EY7.77%
FCF(TTM)18.57
FCFY5.73%
OCF(TTM)21.44
OCFY6.61%
SpS64.73
BVpS55.52
TBVpS-98.89
PEG (NY)0.85
PEG (5Y)1.08
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 1.55
F-Score6
WACC7.76%
ROIC/WACC1.27
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.