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CPAY

S&P 500
Favorable · 71/100

Corpay

Financials
Transaction & Payment Processing Services

$347.17

0.5%

Updated Today 7:15 PM ET

Price — Past Year

▲ Up 9.8% over the last 12 months

Price 50-day average 200-day averageSource: Yahoo Finance · refreshed daily
Key Metrics

Market Cap

$22.57B

P/E

18.81x

Forward P/E (est.)

15.99x

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)

3.1%

Rating Score

71/100

Technical Analysis (Educational)
Research

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 $347.17, above its 50-day average ($334.24) and 200-day average ($312.13). 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 $11.32 (~3.3% 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 $333.18 (support) and sellers near $367.43 (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 1.1× 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.

Business Overview
Research

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 $22.57B.

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.

Revenue Growth
Research

4Y CAGR

12.4%

Revenue moved from $2.83B in 2021 to $4.53B in 2025, a 12.4% 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.

Profitability
Research

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.

Debt Analysis
Research

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.

Cash Flow Analysis
Research

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.

Valuation Analysis
Research

P/E

18.81x

P/S

5.1x

P/B

5.19x

EV / EBITDA

13.14x

CPAY trades at 18.8x trailing earnings (about 16.0x on estimated forward earnings), 5.1x sales, and 5.2x book value. Reverse-engineering today's price implies the market expects roughly 3.1% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.

Metrics vs. Typical Range

Where this stock sits versus what most companies trade at.

TTM P/E
18.8xFair
Forward P/E
16.0xCheap
P/S ratio
5.1xExpensive
Revenue growth
18.3%Strong
EPS growth
17.6%Strong
Gross margin
78.7%Strong
Net margin
24.6%Strong
ROE
30.6%Strong

Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.

Sector Peer Comparison

How CPAY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.

In the Financials sector (76 S&P 500 companies), CPAY ranks #20 of 76 by our overall rating. It trades at a premium versus the sector on earnings (18.8x P/E vs. 15.2x median) with a higher return on equity (30.6% vs. 15.3%) and faster revenue growth (18.3% vs. 9.1%).

P/E vs sector

18.8x

median 15.2x

ROE vs sector

30.6%

median 15.3%

Growth vs sector

18.3%

median 9.1%

Sector rank

#20

of 76 by rating

CompanyP/ERev Gr.Rating
CPAYThis stock18.8x18.3%Favorable· 71
FISV7.9x1.9%Neutral· 50
FIS7.4x12.2%Favorable· 70
GPN13.1x-12.6%Neutral· 44
PYPL7.4x5.8%Favorable· 66
XYZ55.1x2.3%Weak· 25
JKHY17.3x8.4%Strong· 74
TROW11x4.2%Strong· 72
Financials median15.2x9.1%65/100

Valuation vs. quality map

sector medianFISVFISGPNPYPLXYZJKHYTROWCPAYP/E — cheaper ←→ pricierROE — more profitable ↑

The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.

Compare side by side

Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.

5-Year Projection Model

Project revenue → earnings → price. Edit the assumptions to build your own case.

2030 price target (Base Case)

$418.44$722.76

vs. $347.17 today · expected CAGR 4%16%

Metric20262027202820292030
Revenue$5.34B$6.31B$7.44B$8.78B$10.36B
Net income$1.28B$1.51B$1.79B$2.11B$2.49B
EPS$19.62$23.15$27.32$32.24$38.04
Share price (low)$215.83$254.68$300.52$354.61$418.44
Share price (high)$372.79$439.90$519.08$612.51$722.76
CAGR (low–high)-38% / 7%-14% / 13%-5% / 14%1% / 15%4% / 16%

Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.

Bull Case

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).
Bear Case

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.
Key Risks
Research

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.

Investment Thesis
Research

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 18.8x earnings, which our model scores Favorable (71/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.

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.