CORPAY INC (CPAY) Fundamental Analysis & Valuation
NYSE:CPAY • US2199481068
Current stock price
291.83 USD
-2 (-0.68%)
At close:
291.83 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.
1. CPAY Profitability Analysis
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
- CPAY has a better Return On Assets (4.05%) than 73.00% of its industry peers.
- CPAY's Return On Equity of 27.55% is amongst the best of the industry. CPAY outperforms 93.00% of its industry peers.
- CPAY has a Return On Invested Capital of 9.95%. This is amongst the best in the industry. CPAY outperforms 83.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CPAY is above the industry average of 8.07%.
| Industry Rank | Sector 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%
1.3 Margins
- With an excellent Profit Margin value of 23.62%, CPAY belongs to the best of the industry, outperforming 81.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of CPAY has declined.
- Looking at the Operating Margin, with a value of 43.10%, CPAY belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
- CPAY's Operating Margin has been stable in the last couple of years.
- With an excellent Gross Margin value of 78.60%, CPAY belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
| Industry Rank | Sector 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
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.
- Compared to 1 year ago, CPAY has less shares outstanding
- The number of shares outstanding for CPAY has been reduced compared to 5 years ago.
- CPAY has a better debt/assets ratio than last year.
2.2 Solvency
- CPAY has an Altman-Z score of 1.48. This is a bad value and indicates that CPAY is not financially healthy and even has some risk of bankruptcy.
- CPAY has a better Altman-Z score (1.48) than 73.00% of its industry peers.
- CPAY has a debt to FCF ratio of 7.70. This is a slightly negative value and a sign of low solvency as CPAY would need 7.70 years to pay back of all of its debts.
- CPAY's Debt to FCF ratio of 7.70 is in line compared 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.
- CPAY's Debt to Equity ratio of 2.18 is on the low side compared to the rest of the industry. CPAY is outperformed by 67.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 7.7 | ||
| Altman-Z | 1.48 |
ROIC/WACC1.34
WACC7.42%
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.
- Looking at the Current ratio, with a value of 0.98, CPAY is in line with its industry, outperforming 50.00% of the companies in the same industry.
- A Quick Ratio of 0.98 indicates that CPAY may have some problems paying its short term obligations.
- CPAY has a Quick ratio (0.98) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. CPAY Growth Analysis
3.1 Past
- CPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.47%, which is quite good.
- The Earnings Per Share has been growing by 14.03% on average over the past years. This is quite good.
- CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.93%.
- 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
- 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.
- The Revenue is expected to grow by 10.72% on average over the next years. This is quite good.
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.
4. CPAY Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.65, the valuation of CPAY can be described as correct.
- CPAY's Price/Earnings ratio is in line with the industry average.
- CPAY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.61.
- With a Price/Forward Earnings ratio of 11.07, the valuation of CPAY can be described as very 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 22.79. CPAY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.65 | ||
| Fwd PE | 11.07 |
4.2 Price Multiples
- CPAY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CPAY is cheaper than 64.00% 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 64.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.29 | ||
| EV/EBITDA | 10.95 |
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 17.89% in the coming years.
PEG (NY)0.59
PEG (5Y)0.97
EPS Next 2Y18.99%
EPS Next 3Y17.89%
5. CPAY Dividend Analysis
5.1 Amount
- No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CPAY Fundamentals: All Metrics, Ratios and Statistics
291.83
-2 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)05-04 2026-05-04/amc
Inst Owners94.64%
Inst Owner Change2.36%
Ins Owners3.57%
Ins Owner Change0.08%
Market Cap19.86B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts84.35
Price Target387.93 (32.93%)
Short Float %3.6%
Short Ratio3.38
Dividend
| Industry Rank | Sector 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)3.49%
PT rev (3m)6.78%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)4.54%
EPS NY rev (3m)3.92%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)0.94%
Revenue NY rev (3m)1.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.65 | ||
| Fwd PE | 11.07 | ||
| P/S | 4.39 | ||
| P/FCF | 15.29 | ||
| P/OCF | 13.24 | ||
| P/B | 5.11 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.95 |
EPS(TTM)21.38
EY7.33%
EPS(NY)26.35
Fwd EY9.03%
FCF(TTM)19.09
FCFY6.54%
OCF(TTM)22.04
OCFY7.55%
SpS66.55
BVpS57.07
TBVpS-101.67
PEG (NY)0.59
PEG (5Y)0.97
Graham Number165.7
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.48 |
F-Score6
WACC7.42%
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.