CORPAY INC (CPAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPAY - US2199481068 - Common Stock
303.7 USD
-6.94 (-2.23%)
303.7 USD
0 (0%)
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 scores excellent on profitability, but there are some minor concerns on its financial health. CPAY is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
In the past 5 years CPAY has always been profitable.
Each year in the past 5 years CPAY had a positive operating cash flow.
1.2 Ratios
CPAY has a Return On Assets of 5.32%. This is in the better half of the industry: CPAY outperforms 75.26% of its industry peers.
Looking at the Return On Equity, with a value of 25.79%, CPAY belongs to the top of the industry, outperforming 91.75% of the companies in the same industry.
The Return On Invested Capital of CPAY (10.98%) is better than 84.54% of its industry peers.
CPAY had an Average Return On Invested Capital over the past 3 years of 12.51%. This is above the industry average of 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of CPAY (24.37%) is better than 81.44% of its industry peers.
CPAY's Profit Margin has declined in the last couple of years.
CPAY's Operating Margin of 43.73% is amongst the best of the industry. CPAY outperforms 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 83.51% of its industry peers.
CPAY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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 less shares outstanding than it did 1 year ago.
CPAY has less shares outstanding than it did 5 years ago.
CPAY has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.15 indicates that CPAY is not a great score, but indicates only limited risk for bankruptcy at the moment.
CPAY has a Altman-Z score of 2.15. This is in the better half of the industry: CPAY outperforms 77.32% of its industry peers.
CPAY has a debt to FCF ratio of 7.10. This is a slightly negative value and a sign of low solvency as CPAY would need 7.10 years to pay back of all of its debts.
CPAY has a Debt to FCF ratio (7.10) which is comparable to the rest of the industry.
CPAY has a Debt/Equity ratio of 1.86. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.86, CPAY is doing worse than 65.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.15 |
ROIC/WACC1.41
WACC7.79%
2.3 Liquidity
A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
CPAY has a Current ratio (1.13) which is in line with its industry peers.
A Quick Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
CPAY's Quick ratio of 1.13 is in line compared to the rest of the industry. CPAY outperforms 57.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 |
3. Growth
3.1 Past
CPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.43%, which is quite good.
CPAY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.03% yearly.
CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.27%.
Measured over the past years, CPAY shows a quite strong growth in Revenue. The Revenue has been growing by 8.45% on average per year.
EPS 1Y (TTM)14.43%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%14%
Revenue 1Y (TTM)11.27%
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.
The Revenue is expected to grow by 10.09% on average over the next years. This is quite good.
EPS Next Y14.13%
EPS Next 2Y15.48%
EPS Next 3Y15.79%
EPS Next 5Y15.01%
Revenue Next Year13.12%
Revenue Next 2Y14.33%
Revenue Next 3Y13.01%
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
The Price/Earnings ratio is 14.67, which indicates a correct valuation of CPAY.
CPAY's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of CPAY to the average of the S&P500 Index (26.49), we can say CPAY is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 11.98, 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.
CPAY's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.67 | ||
| Fwd PE | 11.98 |
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 60.82% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, CPAY is valued a bit cheaper than 60.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.58 | ||
| EV/EBITDA | 11.57 |
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 15.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.04
PEG (5Y)1.46
EPS Next 2Y15.48%
EPS Next 3Y15.79%
5. Dividend
5.1 Amount
CPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
303.7
-6.94 (-2.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.11%
Inst Owner Change5.9%
Ins Owners3.55%
Ins Owner Change-0.04%
Market Cap21.25B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts80.91
Price Target361.41 (19%)
Short Float %1.8%
Short Ratio2.08
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)-1.37%
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)-4.13%
PT rev (3m)-8.1%
EPS NQ rev (1m)0.85%
EPS NQ rev (3m)2.72%
EPS NY rev (1m)0.98%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)1.29%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)1.48%
Revenue NY rev (3m)1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.67 | ||
| Fwd PE | 11.98 | ||
| P/S | 4.92 | ||
| P/FCF | 18.58 | ||
| P/OCF | 15.91 | ||
| P/B | 5.21 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.57 |
EPS(TTM)20.7
EY6.82%
EPS(NY)25.35
Fwd EY8.35%
FCF(TTM)16.34
FCFY5.38%
OCF(TTM)19.09
OCFY6.29%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1.04
PEG (5Y)1.46
Graham Number164.72
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.15 |
F-Score6
WACC7.79%
ROIC/WACC1.41
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 Y14.13%
EPS Next 2Y15.48%
EPS Next 3Y15.79%
EPS Next 5Y15.01%
Revenue 1Y (TTM)11.27%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%13.92%
Revenue Next Year13.12%
Revenue Next 2Y14.33%
Revenue Next 3Y13.01%
Revenue Next 5Y10.09%
EBIT growth 1Y9.51%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year34.68%
EBIT Next 3Y20.62%
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 ChartMill fundamental rating of CORPAY INC (CPAY) stock?
ChartMill assigns a fundamental rating of 5 / 10 to CPAY.
Can you provide the valuation status for CORPAY INC?
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 are the PE and PB ratios of CORPAY INC (CPAY) stock?
The Price/Earnings (PE) ratio for CORPAY INC (CPAY) is 14.67 and the Price/Book (PB) ratio is 5.21.