CPAY
Corpay
$398.83
▲ 0.1%Updated Aug 7, 11:30 AM ET
CPAY at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 71/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 9.8% over the last 12 months
Market Cap
$23.04B
P/E
21.73x
Forward P/E (est.)
18.47x
ROE
30.6%
Revenue Growth
18.3%
EPS Growth
17.6%
Profit Margin
24.6%
FCF Yield
—
Debt / Equity
2.58x
ROIC
11.0%
Interest Coverage
153.19x
Current Ratio
0.98x
Dividend Yield
—
Implied Growth (rev. DCF)
3.2%
Rating Score
71/100
Corpay (CPAY) is a large-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $23.04B.
In its latest reported year it generated about $4.53B in revenue and $1.07B in net profit.
Our model rates CPAY Favorable (71/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
44.4% average over the last 3 years
±2.1 pts around 43.2% across 10 years
grew in 8 of the last 9 year-over-year periods
positive in 10 of 10 years
11.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what CPAY's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. CPAY trades near $398.83, above its 50-day average ($338.03) and 200-day average ($313.47). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 51 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. CPAY's is $11.64 (~2.9% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month CPAY found buyers near $321.19 (support) and sellers near $364.29 (resistance); its 52-week range is $252.84–$367.43. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.8× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
12.4%
Revenue moved from $1.83B in 2016 to $4.53B in 2025, a 10.6% compound annual growth rate. The most recent year grew a strong 18.3% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
78.7%
Operating Margin
44.0%
Net Margin
23.6%
ROE
30.6%
Corpay keeps about 24.6% of each sales dollar as net profit, with a 78.7% gross margin and 44.0% operating margin. Return on equity is 30.6% and return on invested capital about 11.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$10.36B
Net Debt
$7.82B
Net Debt / EBITDA
3.92x
Debt / Equity
2.58x
Leverage: debt-to-equity is 2.6x, and operating profit covers interest about 153.2x, with a current ratio of 1.0x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $10.36B of total debt against $2.54B of cash.
Operating CF
$1.50B
Free Cash Flow
$1.30B
FCF Margin
28.7%
In the latest year Corpay produced about $1.50B of operating cash flow and $1.30B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
21.73x
P/S
5.1x
P/B
6x
EV / EBITDA
—
CPAY trades at 21.7x trailing earnings (about 18.5x on estimated forward earnings), 5.1x sales, and 6.0x book value. Reverse-engineering today's price implies the market expects roughly 3.2% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$749.95
Current price
$398.83
Starting FCF (latest 10-K)
$1.30B
Growth, years 1–5
18.3%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where CPAY sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How CPAY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), CPAY ranks #36 of 289 by our overall rating. It trades at a premium versus the sector on earnings (21.7x P/E vs. 15.8x median) with a higher return on equity (30.6% vs. 13.6%) and faster revenue growth (18.3% vs. 15.9%).
P/E vs sector
21.7x
median 15.8x
ROE vs sector
30.6%
median 13.6%
Growth vs sector
18.3%
median 15.9%
Sector rank
#36
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $398.83 today · expected CAGR 7% – 19%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $5.34B | $6.31B | $7.44B | $8.78B | $10.36B |
| Net income | $1.28B | $1.51B | $1.79B | $2.11B | $2.49B |
| EPS | $22.20 | $26.20 | $30.91 | $36.48 | $43.04 |
| Share price (low) | $288.63 | $340.58 | $401.88 | $474.22 | $559.58 |
| Share price (high) | $488.44 | $576.36 | $680.11 | $802.53 | $946.98 |
| CAGR (low–high) | -28% / 22% | -8% / 20% | 0% / 19% | 4% / 19% | 7% / 19% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for CPAY:
- Revenue is growing 18.3% a year, a sign of real demand.
- High net margins (24.6%) point to pricing power or efficiency.
- Strong return on equity (30.6%) shows capital is put to work well.
- Our model's overall read is Favorable (71/100).
The case against CPAY:
- Elevated leverage (debt/equity 2.6x) adds financial risk.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 2.6x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Corpay is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 21.7x earnings, which our model scores Favorable (71/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 22 Wall Street analysts covering CPAY recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
CPAY's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
CPAY — frequently asked questions
Is CPAY a good stock to buy?
We don't give buy or sell advice. Our model rates Corpay Favorable (71/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is CPAY's rating on The Stocks School?
Corpay currently scores 71/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does CPAY's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Corpay's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for CPAY calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this CPAY analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell CPAY. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.