CORPAY INC (CPAY) Fundamental Analysis & Valuation

NYSE:CPAY • US2199481068

Current stock price

293.83 USD
+0.52 (+0.18%)
At close:
293.83 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.

7

1. CPAY Profitability Analysis

1.1 Basic Checks

  • In the past year CPAY was profitable.
  • CPAY had a positive operating cash flow in the past year.
  • In the past 5 years CPAY has always been profitable.
  • CPAY had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of CPAY (4.05%) is better than 73.00% of its industry peers.
  • The Return On Equity of CPAY (27.55%) is better than 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.
  • CPAY had an Average Return On Invested Capital over the past 3 years of 11.18%. This is above the industry average of 8.07%.
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 has a Profit Margin of 23.62%. This is amongst the best in the industry. CPAY outperforms 81.00% of its industry peers.
  • CPAY's Profit Margin has declined in the last couple of years.
  • CPAY has a better Operating Margin (43.10%) than 82.00% of its industry peers.
  • 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 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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CPAY is creating some value.
  • CPAY has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CPAY has less shares outstanding
  • 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

  • Based on the Altman-Z score of 1.48, we must say that CPAY is in the distress zone and has some risk of bankruptcy.
  • CPAY has a Altman-Z score of 1.48. This is in the better half of the industry: CPAY outperforms 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.
  • Looking at the Debt to FCF ratio, with a value of 7.70, CPAY is in line with its industry, outperforming 57.00% of the companies in the same industry.
  • 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 1.48
ROIC/WACC1.34
WACC7.4%
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

  • A Current Ratio of 0.98 indicates that CPAY may have some problems paying its short term obligations.
  • CPAY has a Current ratio (0.98) which is in line with 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.
  • With a Quick ratio value of 0.98, CPAY perfoms like the industry average, outperforming 50.00% of the companies in the same 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.
  • 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

  • The Earnings Per Share is expected to grow by 17.89% on average over the next years. This is quite good.
  • 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.
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

  • The Price/Earnings ratio is 13.74, which indicates a correct valuation of CPAY.
  • CPAY's Price/Earnings ratio is in line with the industry average.
  • CPAY is valuated rather cheaply when we compare the Price/Earnings ratio to 25.50, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.15, the valuation of CPAY can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CPAY.
  • CPAY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 13.74
Fwd PE 11.15
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

  • 64.00% of the companies in the same industry are more expensive than CPAY, based on the Enterprise Value to EBITDA ratio.
  • 64.00% of the companies in the same industry are more expensive than CPAY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.39
EV/EBITDA 10.93
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

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.
  • 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 17.89% in the coming years.
PEG (NY)0.59
PEG (5Y)0.98
EPS Next 2Y18.99%
EPS Next 3Y17.89%

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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 (3/24/2026, 7:00:00 PM)

After market: 293.83 0 (0%)

293.83

+0.52 (+0.18%)

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 Cap20.00B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts84.35
Price Target387.93 (32.03%)
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)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 RankSector Rank
PE 13.74
Fwd PE 11.15
P/S 4.42
P/FCF 15.39
P/OCF 13.33
P/B 5.15
P/tB N/A
EV/EBITDA 10.93
EPS(TTM)21.38
EY7.28%
EPS(NY)26.35
Fwd EY8.97%
FCF(TTM)19.09
FCFY6.5%
OCF(TTM)22.04
OCFY7.5%
SpS66.55
BVpS57.07
TBVpS-101.67
PEG (NY)0.59
PEG (5Y)0.98
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 1.48
F-Score6
WACC7.4%
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.