CORPAY INC (CPAY) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CPAY • US2199481068
356.38 USD
+0.47 (+0.13%)
At close: Feb 10, 2026
356.38 USD
0 (0%)
After Hours: 2/10/2026, 8:04:00 PM
Overall CPAY gets a fundamental rating of 5 out of 10. We evaluated CPAY against 96 industry peers in the Financial Services industry. While CPAY has a great profitability rating, there are quite some concerns on its financial health. CPAY has a decent growth rate and is not valued too expensively.
1. Profitability
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.
- Each year in the past 5 years CPAY had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.05%, CPAY is in the better half of the industry, outperforming 72.92% of the companies in the same industry.
- CPAY's Return On Equity of 27.55% is amongst the best of the industry. CPAY outperforms 92.71% of its industry peers.
- The Return On Invested Capital of CPAY (9.89%) is better than 81.25% 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 8.59%.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Profit Margin, with a value of 23.62%, CPAY belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
- CPAY's Profit Margin has declined in the last couple of years.
- CPAY's Operating Margin of 42.86% is amongst the best of the industry. CPAY outperforms 81.25% of its industry peers.
- In the last couple of years the Operating Margin of CPAY has remained more or less at the same level.
- CPAY has a better Gross Margin (78.60%) than 83.33% of its industry peers.
| Industry Rank | Sector 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
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.
- Compared to 1 year ago, CPAY has less shares outstanding
- Compared to 5 years ago, CPAY has less shares outstanding
- CPAY has a better debt/assets ratio than last year.
2.2 Solvency
- CPAY has an Altman-Z score of 1.61. This is a bad value and indicates that CPAY is not financially healthy and even has some risk of bankruptcy.
- With a decent Altman-Z score value of 1.61, CPAY is doing good in the industry, outperforming 69.79% of the companies in the same industry.
- 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.
- The Debt to FCF ratio of CPAY (7.70) is comparable to the rest of the industry.
- A Debt/Equity ratio of 2.18 is on the high side and indicates that CPAY has dependencies on debt financing.
- CPAY has a Debt to Equity ratio of 2.18. This is in the lower half of the industry: CPAY underperforms 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 7.7 | ||
| Altman-Z | 1.61 |
ROIC/WACC1.21
WACC8.2%
2.3 Liquidity
- A Current Ratio of 0.98 indicates that CPAY may have some problems paying its short term obligations.
- The Current ratio of CPAY (0.98) is comparable to the rest of the industry.
- 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.
- Looking at the Quick ratio, with a value of 0.98, CPAY is in line with its industry, outperforming 47.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 12.47% 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 14.03% on average per year.
- CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.93%.
- CPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.64% yearly.
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 15.87% on average over the next years. This is quite good.
- CPAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.08% yearly.
EPS Next Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue Next Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 16.67, 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 28.03, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 14.14, which indicates a correct valuation of CPAY.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CPAY is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of CPAY to the average of the S&P500 Index (27.97), we can say CPAY is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.67 | ||
| Fwd PE | 14.14 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPAY is on the same level as its industry peers.
- The rest of the industry has a similar Price/Free Cash Flow ratio as CPAY.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.19 | ||
| EV/EBITDA | 13.1 |
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 15.87% in the coming years.
PEG (NY)0.93
PEG (5Y)1.19
EPS Next 2Y16.79%
EPS Next 3Y15.87%
5. Dividend
5.1 Amount
- No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
356.38
+0.47 (+0.13%)
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 Owners96.28%
Inst Owner Change1.93%
Ins Owners3.55%
Ins Owner Change-0.13%
Market Cap24.93B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts82.73
Price Target374.83 (5.18%)
Short Float %3.25%
Short Ratio4.02
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)3.18%
PT rev (3m)-0.57%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)3%
EPS NY rev (1m)0.05%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.67 | ||
| Fwd PE | 14.14 | ||
| P/S | 5.51 | ||
| P/FCF | 19.19 | ||
| P/OCF | 16.62 | ||
| P/B | 6.42 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.1 |
EPS(TTM)21.38
EY6%
EPS(NY)25.21
Fwd EY7.07%
FCF(TTM)18.57
FCFY5.21%
OCF(TTM)21.44
OCFY6.02%
SpS64.73
BVpS55.52
TBVpS-98.89
PEG (NY)0.93
PEG (5Y)1.19
Graham Number163.42
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.61 |
F-Score6
WACC8.2%
ROIC/WACC1.21
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 Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5YN/A
EBIT growth 1Y10.53%
EBIT growth 3Y10.5%
EBIT growth 5Y14.96%
EBIT Next Year42.2%
EBIT Next 3Y17.75%
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.