(CPAY) Corpay - Ratings and Ratios
Payment Solutions, Corporate Cards, Fuel Cards, Lodging Payments, Virtual Cards
CPAY EPS (Earnings per Share)
CPAY Revenue
Description: CPAY Corpay
Corpay, Inc. (NYSE:CPAY) is a payments company that provides a comprehensive suite of solutions to manage vehicle-related expenses, lodging expenses, and corporate payments globally. The companys diverse offerings cater to businesses, merchants, consumers, and payment networks, positioning it as a significant player in the financial services industry.
Key aspects of Corpays business include vehicle payment solutions, corporate payment solutions, and lodging payments solutions. The companys vehicle payment solutions encompass fuel, tolls, parking, and fleet maintenance, while its corporate payment solutions include accounts payable automation, virtual cards, and cross-border solutions. Additionally, Corpay offers lodging payments solutions for business travelers, airline crews, and insurance policyholders.
From a financial perspective, Corpays market capitalization stands at approximately $23.9 billion, with a forward P/E ratio of 16.05, indicating a relatively attractive valuation. The companys return on equity (ROE) is 32.78%, suggesting a strong ability to generate profits from shareholder equity. To further evaluate Corpays performance, key performance indicators (KPIs) such as revenue growth, gross margin, and operating cash flow margin can be examined. For instance, a high gross margin would indicate Corpays ability to maintain a competitive edge in its pricing, while a strong operating cash flow margin would suggest efficient cost management.
To gain a deeper understanding of Corpays competitive position, it is essential to analyze its market share, customer acquisition costs, and retention rates. A high customer retention rate would indicate Corpays ability to maintain strong relationships with its clients, while a low customer acquisition cost would suggest efficient sales and marketing strategies. Furthermore, Corpays ability to expand its offerings through strategic acquisitions and partnerships can be a key driver of growth, and its capacity to adapt to changing regulatory requirements and technological advancements will be crucial in maintaining its competitive edge.
CPAY Stock Overview
| Market Cap in USD | 22,441m |
| Sub-Industry | Diversified Financial Services |
| IPO / Inception | 2010-12-15 |
CPAY Stock Ratings
| Growth Rating | 30.6% |
| Fundamental | 77.4% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -14.6% |
| Analyst Rating | 4.06 of 5 |
CPAY Dividends
Currently no dividends paidCPAY Growth Ratios
| Growth Correlation 3m | -59.1% |
| Growth Correlation 12m | -42.4% |
| Growth Correlation 5y | 54% |
| CAGR 5y | 16.71% |
| CAGR/Max DD 3y | 0.61 |
| CAGR/Mean DD 3y | 2.67 |
| Sharpe Ratio 12m | 0.93 |
| Alpha | 0.00 |
| Beta | 0.890 |
| Volatility | 29.49% |
| Current Volume | 461.4k |
| Average Volume 20d | 360.7k |
| Stop Loss | 301.3 (-3%) |
| Signal | 0.21 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (1.05b TTM) > 0 and > 6% of Revenue (6% = 250.3m TTM) |
| FCFTA 0.09 (>2.0%) and ΔFCFTA -2.95pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 26.84% (prev 3.49%; Δ 23.35pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.10 (>3.0%) and CFO 2.12b > Net Income 1.05b (YES >=105%, WARN >=100%) |
| Net Debt (5.92b) to EBITDA (2.22b) ratio: 2.67 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (71.4m) change vs 12m ago -0.10% (target <= -2.0% for YES) |
| Gross Margin 78.12% (prev 78.36%; Δ -0.25pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 22.77% (prev 23.58%; Δ -0.81pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.76 (EBITDA TTM 2.22b / Interest Expense TTM 390.1m) >= 6 (WARN >= 3) |
Altman Z'' 3.12
| (A) 0.05 = (Total Current Assets 10.76b - Total Current Liabilities 9.64b) / Total Assets 20.44b |
| (B) 0.48 = Retained Earnings (Balance) 9.72b / Total Assets 20.44b |
| (C) 0.10 = EBIT TTM 1.86b / Avg Total Assets 18.32b |
| (D) 0.50 = Book Value of Equity 8.29b / Total Liabilities 16.47b |
| Total Rating: 3.12 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 77.37
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 6.80% = 3.40 |
| 3. FCF Margin 46.23% = 7.50 |
| 4. Debt/Equity 2.07 = 0.67 |
| 5. Debt/Ebitda 3.65 = -2.41 |
| 6. ROIC - WACC (= 4.74)% = 5.92 |
| 7. RoE 30.89% = 2.50 |
| 8. Rev. Trend 91.87% = 6.89 |
| 9. EPS Trend 77.82% = 3.89 |
What is the price of CPAY shares?
Over the past week, the price has changed by +1.91%, over one month by -1.85%, over three months by -5.11% and over the past year by +1.22%.
Is Corpay a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CPAY is around 288.96 USD . This means that CPAY is currently overvalued and has a potential downside of -6.98%.
Is CPAY a buy, sell or hold?
- Strong Buy: 6
- Buy: 6
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CPAY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 383.5 | 23.4% |
| Analysts Target Price | 383.5 | 23.4% |
| ValueRay Target Price | 318 | 2.4% |
Last update: 2025-09-04 04:34
CPAY Fundamental Data Overview
CCE Cash And Equivalents = 2.19b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 21.6037
P/E Forward = 13.0039
P/S = 5.3797
P/B = 5.7121
P/EG = 1.0002
Beta = 0.961
Revenue TTM = 4.17b USD
EBIT TTM = 1.86b USD
EBITDA TTM = 2.22b USD
Long Term Debt = 5.87b USD (from longTermDebt, last quarter)
Short Term Debt = 2.25b USD (from shortTermDebt, last quarter)
Debt = 8.12b USD (Calculated: Short Term 2.25b + Long Term 5.87b)
Net Debt = 5.92b USD (from netDebt column, last quarter)
Enterprise Value = 28.37b USD (22.44b + Debt 8.12b - CCE 2.19b)
Interest Coverage Ratio = 4.76 (Ebit TTM 1.86b / Interest Expense TTM 390.1m)
FCF Yield = 6.80% (FCF TTM 1.93b / Enterprise Value 28.37b)
FCF Margin = 46.23% (FCF TTM 1.93b / Revenue TTM 4.17b)
Net Margin = 25.17% (Net Income TTM 1.05b / Revenue TTM 4.17b)
Gross Margin = 78.12% ((Revenue TTM 4.17b - Cost of Revenue TTM 912.8m) / Revenue TTM)
Tobins Q-Ratio = 3.42 (Enterprise Value 28.37b / Book Value Of Equity 8.29b)
Interest Expense / Debt = 1.19% (Interest Expense 96.9m / Debt 8.12b)
Taxrate = 27.53% (381.4m / 1.39b)
NOPAT = 1.35b (EBIT 1.86b * (1 - 27.53%))
Current Ratio = 1.12 (Total Current Assets 10.76b / Total Current Liabilities 9.64b)
Debt / Equity = 2.07 (Debt 8.12b / last Quarter total Stockholder Equity 3.93b)
Debt / EBITDA = 3.65 (Net Debt 5.92b / EBITDA 2.22b)
Debt / FCF = 4.21 (Debt 8.12b / FCF TTM 1.93b)
Total Stockholder Equity = 3.40b (last 4 quarters mean)
RoA = 5.14% (Net Income 1.05b, Total Assets 20.44b )
RoE = 30.89% (Net Income TTM 1.05b / Total Stockholder Equity 3.40b)
RoCE = 20.03% (Ebit 1.86b / (Equity 3.40b + L.T.Debt 5.87b))
RoIC = 11.79% (NOPAT 1.35b / Invested Capital 11.41b)
WACC = 7.05% (E(22.44b)/V(30.56b) * Re(9.29%)) + (D(8.12b)/V(30.56b) * Rd(1.19%) * (1-Tc(0.28)))
Shares Correlation 3-Years: -66.67 | Cagr: -0.51%
Discount Rate = 9.29% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.65% ; FCFE base≈1.96b ; Y1≈2.29b ; Y5≈3.47b
Fair Price DCF = 672.4 (DCF Value 47.48b / Shares Outstanding 70.6m; 5y FCF grow 18.14% → 3.0% )
EPS Correlation: 77.82 | EPS CAGR: 7.17% | SUE: 0.41 | # QB: 0
Revenue Correlation: 91.87 | Revenue CAGR: 7.95% | SUE: N/A | # QB: None
Additional Sources for CPAY Stock
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