CORPAY INC (CPAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPAY - US2199481068 - Common Stock
328.17 USD
+0.4 (+0.12%)
We assign a fundamental rating of 5 out of 10 to CPAY. CPAY was compared to 98 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 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.
- CPAY had a positive operating cash flow in the past year.
- CPAY had positive earnings in each of the past 5 years.
- CPAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of CPAY (5.32%) is better than 75.51% of its industry peers.
- CPAY has a better Return On Equity (25.79%) than 91.84% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 10.98%, CPAY belongs to the top of the industry, outperforming 84.69% 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 8.44%.
| 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
- CPAY's Profit Margin of 24.37% is amongst the best of the industry. CPAY outperforms 81.63% of its industry peers.
- In the last couple of years the Profit Margin of CPAY has declined.
- With an excellent Operating Margin value of 43.73%, CPAY belongs to the best of the industry, outperforming 80.61% of the companies in the same industry.
- CPAY's Operating Margin has been stable in the last couple of years.
- CPAY's Gross Margin of 78.26% is amongst the best of the industry. CPAY outperforms 82.65% of its industry peers.
- In the last couple of years the Gross Margin of CPAY has declined.
| 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
- 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
- CPAY has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for CPAY is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.19 indicates that CPAY is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.19, CPAY is in the better half of the industry, outperforming 77.55% of the companies in the same industry.
- 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.
- With a Debt to FCF ratio value of 7.10, CPAY perfoms like the industry average, outperforming 51.02% of the companies in the same industry.
- CPAY has a Debt/Equity ratio of 1.86. This is a high value indicating a heavy dependency on external financing.
- CPAY has a worse Debt to Equity ratio (1.86) than 66.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.19 |
ROIC/WACC1.34
WACC8.22%
2.3 Liquidity
- A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
- The Current ratio of CPAY (1.13) is comparable to the rest of the industry.
- A Quick Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
- CPAY has a Quick ratio (1.13) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 14.43% 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 10.03% on average per year.
- CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.27%.
- The Revenue has been growing by 8.45% on average over the past years. This is quite good.
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.
- CPAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.09% yearly.
EPS Next Y14.13%
EPS Next 2Y15.49%
EPS Next 3Y15.86%
EPS Next 5Y15.01%
Revenue Next Year13.12%
Revenue Next 2Y14.33%
Revenue Next 3Y13.04%
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
- A Price/Earnings ratio of 15.85 indicates a correct valuation of CPAY.
- The rest of the industry has a similar Price/Earnings ratio as CPAY.
- CPAY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.33.
- The Price/Forward Earnings ratio is 12.94, 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 (24.12), we can say CPAY is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.85 | ||
| Fwd PE | 12.94 |
4.2 Price Multiples
- CPAY's Enterprise Value to EBITDA ratio is in line with the industry average.
- Based on the Price/Free Cash Flow ratio, CPAY is valued a bit cheaper than 60.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.08 | ||
| EV/EBITDA | 12.1 |
4.3 Compensation for Growth
- CPAY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- CPAY has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as CPAY's earnings are expected to grow with 15.86% in the coming years.
PEG (NY)1.12
PEG (5Y)1.58
EPS Next 2Y15.49%
EPS Next 3Y15.86%
5. Dividend
5.1 Amount
- CPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:CPAY (1/15/2026, 2:21:42 PM)
328.17
+0.4 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-02 2026-02-02/amc
Inst Owners96.28%
Inst Owner Change-0.03%
Ins Owners3.55%
Ins Owner Change-0.05%
Market Cap22.96B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts82.73
Price Target363.28 (10.7%)
Short Float %2.84%
Short Ratio3.01
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)-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)0.52%
PT rev (3m)-7.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.72%
EPS NY rev (1m)0%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.85 | ||
| Fwd PE | 12.94 | ||
| P/S | 5.32 | ||
| P/FCF | 20.08 | ||
| P/OCF | 17.19 | ||
| P/B | 5.63 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.1 |
EPS(TTM)20.7
EY6.31%
EPS(NY)25.36
Fwd EY7.73%
FCF(TTM)16.34
FCFY4.98%
OCF(TTM)19.09
OCFY5.82%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1.12
PEG (5Y)1.58
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 | 2.19 |
F-Score6
WACC8.22%
ROIC/WACC1.34
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 2Y15.49%
EPS Next 3Y15.86%
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 3Y13.04%
Revenue Next 5Y10.09%
EBIT growth 1Y9.51%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year34.25%
EBIT Next 3Y20.34%
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 14.13% in the next year.