Overview Dividends

(CPAY) Corpay - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US2199481068

Fleet Cards, Fuel Cards, Lodging Payments, Virtual Cards, Payroll Cards

CPAY EPS (Earnings per Share)

EPS Growth (3Y CAGR): -57.83%
EPS Trend (3Y Correlation): -45.5%

CPAY Revenue

Revenue Growth (3Y CAGR): 7.95%
Revenue Trend (3Y Correlation): 91.9%

Description: CPAY Corpay October 16, 2025

Corpay, Inc. (NYSE: CPAY) is a payments platform that enables businesses and consumers to manage vehicle-related costs (fuel, tolls, parking, fleet compliance, maintenance, and long-haul services), prepaid food and transportation vouchers, and a suite of corporate payment solutions-including AP automation, virtual cards, cross-border payments, and travel-and-entertainment (T&E) cards. It also provides lodging payments for overnight travelers, airline crew, stranded passengers, and disaster-displaced policyholders, plus gift and payroll cards.

Headquartered in Atlanta, Georgia, Corpay operates in the United States, Brazil, the United Kingdom, and other international markets. The company was formerly known as Fleetcor Technologies and rebranded to Corpay in March 2024, reflecting its broader focus beyond fleet-centric services.

Key metrics and sector dynamics: • FY 2023 revenue was approximately $1.2 billion, up roughly 8 % YoY, driven by strong adoption of its AP-automation and virtual-card products. • The global B2B payments market is projected to grow at a CAGR of about 12 % through 2028, with cross-border transaction volumes accelerating as e-commerce expands internationally. • Corporate travel spend, a core driver for Corpay’s lodging and T&E solutions, remains sensitive to macro-economic cycles and corporate cost-containment initiatives, making AP-automation adoption a hedge against discretionary travel cuts.

For a deeper, data-driven assessment of Corpay’s valuation and risk profile, you may find ValueRay’s analytical toolkit useful for extending your research.

CPAY Stock Overview

Market Cap in USD	18,384m
Sub-Industry	Diversified Financial Services
IPO / Inception	2010-12-15

CPAY Stock Ratings

Growth Rating	0.39%
Fundamental	73.1%
Dividend Rating	-
Return 12m vs S&P 500	-30.0%
Analyst Rating	4.06 of 5

CPAY Dividends

Currently no dividends paid

CPAY Growth Ratios

Growth Correlation 3m	-94%
Growth Correlation 12m	-83.5%
Growth Correlation 5y	55.3%
CAGR 5y	11.55%
CAGR/Max DD 3y (Calmar Ratio)	0.33
CAGR/Mean DD 3y (Pain Ratio)	1.37
Sharpe Ratio 12m	0.18
Alpha	-33.78
Beta	0.971
Volatility	32.83%
Current Volume	507.8k
Average Volume 20d	482.5k
Stop Loss	268.2 (-3%)
Signal	-0.14

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 -4.23pp (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

(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) 73.05

1. Piotroski 4.0pt = -1.0

2. FCF Yield 7.93% = 3.97

3. FCF Margin 46.23% = 7.50

4. Debt/Equity 2.07 = 0.67

5. Debt/Ebitda 2.67 = -1.25

6. ROIC - WACC (= 4.84)% = 6.05

7. RoE 30.89% = 2.50

8. Rev. Trend 91.87% = 6.89

9. EPS Trend -45.49% = -2.27

What is the price of CPAY shares?

As of November 10, 2025, the stock is trading at USD 276.53 with a total of 507,764 shares traded.
Over the past week, the price has changed by +6.21%, over one month by -4.32%, over three months by -9.19% and over the past year by -20.19%.

Is Corpay a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Corpay (NYSE:CPAY) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 73.05 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CPAY is around 239.80 USD . This means that CPAY is currently overvalued and has a potential downside of -13.28%.

Is CPAY a buy, sell or hold?

Corpay has received a consensus analysts rating of 4.06. Therefore, it is recommended to buy CPAY.

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	368.5	33.3%
Analysts Target Price	368.5	33.3%
ValueRay Target Price	263.6	-4.7%

CPAY Fundamental Data Overview November 04, 2025

Market Cap USD = 18.38b (18.38b USD * 1.0 USD.USD)
P/E Trailing = 17.6988
P/E Forward = 11.7371
P/S = 4.4073
P/B = 5.1583
P/EG = 0.9032
Beta = 0.971
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 (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.92b USD (from netDebt column, last quarter)
Enterprise Value = 24.31b USD (18.38b + Debt 8.12b - CCE 2.19b)
Interest Coverage Ratio = 4.76 (Ebit TTM 1.86b / Interest Expense TTM 390.1m)
FCF Yield = 7.93% (FCF TTM 1.93b / Enterprise Value 24.31b)
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)
Gross Margin QoQ = 78.36% (prev 77.94%)
Tobins Q-Ratio = 1.19 (Enterprise Value 24.31b / Total Assets 20.44b)
Interest Expense / Debt = 1.19% (Interest Expense 96.9m / Debt 8.12b)
Taxrate = 27.73% (109.0m / 393.1m)
NOPAT = 1.34b (EBIT 1.86b * (1 - 27.73%))
Current Ratio = 1.12 (Total Current Assets 10.76b / Total Current Liabilities 9.64b)
Debt / Equity = 2.07 (Debt 8.12b / totalStockholderEquity, last quarter 3.93b)
Debt / EBITDA = 2.67 (Net Debt 5.92b / EBITDA 2.22b)
Debt / FCF = 3.07 (Net Debt 5.92b / FCF TTM 1.93b)
Total Stockholder Equity = 3.40b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 3.40b + L.T.Debt 5.87b))
RoIC = 11.76% (NOPAT 1.34b / Invested Capital 11.41b)
WACC = 6.92% (E(18.38b)/V(26.50b) * Re(9.59%) + D(8.12b)/V(26.50b) * Rd(1.19%) * (1-Tc(0.28)))
Discount Rate = 9.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.40%
[DCF Debug] Terminal Value 76.58% ; FCFE base≈2.04b ; Y1≈2.52b ; Y5≈4.30b
Fair Price DCF = 786.1 (DCF Value 55.51b / Shares Outstanding 70.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -45.49 | EPS CAGR: -57.83% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.87 | Revenue CAGR: 7.95% | SUE: 0.29 | # QB: 0

Additional Sources for CPAY Stock

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Fund Manager Positions: Dataroma | Stockcircle