(CPAY) Corpay - Overview

Sector: Technology | Industry: Software - Infrastructure | Exchange: NYSE (USA) | Market Cap: 21.447m USD | Total Return: 1% in 12m

Vehicle Payments, Corporate Payments, Lodging Payments
Total Rating 44
Safety 61
Buy Signal -0.24
Software - Infrastructure
Industry Rotation: -27.5
Market Cap: 21.4B
Avg Turnover: 166M USD
ATR: 3.75%
Peers RS (IBD): 37.5
Risk 5d forecast
Volatility29.7%
Rel. Tail Risk-6.08%
Reward TTM
Sharpe Ratio-0.11
Alpha-40.00
Character TTM
Beta1.250
Beta Downside1.590
Drawdowns 3y
Max DD34.54%
CAGR/Max DD0.32
EPS (Earnings per Share) EPS (Earnings per Share) of CPAY over the last years for every Quarter: "2021-03": 2.82, "2021-06": 3.15, "2021-09": 3.52, "2021-12": 3.72, "2022-03": 3.65, "2022-06": 4.17, "2022-09": 4.24, "2022-12": 4.04, "2023-03": 3.8, "2023-06": 4.19, "2023-09": 4.49, "2023-12": 4.44, "2024-03": 4.1, "2024-06": 4.55, "2024-09": 5, "2024-12": 3.44, "2025-03": 3.4, "2025-06": 5.13, "2025-09": 5.7, "2025-12": 6.04,
EPS CAGR: 14.38%
EPS Trend: 48.5%
Last SUE: 0.32
Qual. Beats: 0
Revenue Revenue of CPAY over the last years for every Quarter: 2021-03: 608.623, 2021-06: 667.381, 2021-09: 755.477, 2021-12: 802.255, 2022-03: 789.241, 2022-06: 861.278, 2022-09: 893, 2022-12: 883.61, 2023-03: 901.333, 2023-06: 948.174, 2023-09: 970.892, 2023-12: 937.32, 2024-03: 935.251, 2024-06: 975.71, 2024-09: 1029.197, 2024-12: 1034.431, 2025-03: 1005.667, 2025-06: 1102.03, 2025-09: 1172.48, 2025-12: 1248.226,
Rev. CAGR: 13.00%
Rev. Trend: 94.4%
Last SUE: 1.00
Qual. Beats: 2

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: CPAY Corpay

Corpay Inc. (CPAY) is a payments company specializing in business-to-business (B2B) and business-to-consumer (B2C) payment solutions across North America, South America, and Europe. The company focuses on specific expense categories, a common strategy in the specialized payment processing sector, to offer tailored services.

Its offerings include vehicle payment solutions for fuel, tolls, and fleet maintenance, and corporate payment solutions like accounts payable automation and virtual cards. The company also provides lodging payment services for business travel, displaced persons, and workforce logistics, illustrating its diverse application of payment technology within niche markets.

Corpay’s business model involves providing specialized payment processing and management services, a high-growth area within financial technology as businesses increasingly seek efficiency and cost control. Consider exploring ValueRay for deeper insights into CPAYs market position and financial health.

Headlines to Watch Out For
  • Corporate payments growth drives revenue expansion
  • Fuel price volatility impacts vehicle payment volumes
  • Cross-border transaction fees boost international segment
  • Regulatory changes in payment processing increase compliance costs
  • Small business spending trends influence overall demand
Piotroski VR‑10 (Strict) 6.0
Net Income: 1.07b TTM > 0 and > 6% of Revenue
FCF/TA: 0.05 > 0.02 and ΔFCF/TA -4.91 > 1.0
NWC/Revenue: -7.61% < 20% (prev -0.81%; Δ -6.81% < -1%)
CFO/TA 0.06 > 3% & CFO 1.50b > Net Income 1.07b
Net Debt (1.12b) to EBITDA (2.34b): 0.48 < 3
Current Ratio: 0.98 > 1.5 & < 3
Outstanding Shares: last quarter (70.1m) vs 12m ago -1.88% < -2%
Gross Margin: 73.97% > 18% (prev 0.78%; Δ 7.32k% > 0.5%)
Asset Turnover: 20.41% > 50% (prev 22.13%; Δ -1.72% > 0%)
Interest Coverage Ratio: 4.82 > 6 (EBITDA TTM 2.34b / Interest Expense TTM 403.8m)
Altman Z'' 2.19
A: -0.01 (Total Current Assets 13.95b - Total Current Liabilities 14.30b) / Total Assets 26.41b
B: 0.39 (Retained Earnings 10.26b / Total Assets 26.41b)
C: 0.09 (EBIT TTM 1.95b / Avg Total Assets 22.18b)
D: 0.40 (Book Value of Equity 8.87b / Total Liabilities 22.18b)
Altman-Z'' Score: 2.19 = BBB
Beneish M -2.39
DSRI: 1.68 (Receivables 3.99b/2.09b, Revenue 4.53b/3.97b)
GMI: 1.06 (GM 73.97% / 78.13%)
AQI: 0.91 (AQ_t 0.45 / AQ_t-1 0.50)
SGI: 1.14 (Revenue 4.53b / 3.97b)
TATA: -0.02 (NI 1.07b - CFO 1.50b) / TA 26.41b)
Beneish M-Score: -2.39 (Cap -4..+1) = BBB
What is the price of CPAY shares? As of April 11, 2026, the stock is trading at USD 302.83 with a total of 308,218 shares traded.
Over the past week, the price has changed by +1.54%, over one month by -7.98%, over three months by -8.44% and over the past year by +1.03%.
Is CPAY a buy, sell or hold? Corpay has received a consensus analysts rating of 4.06. Therefore, it is recommended to buy CPAY.
  • StrongBuy: 6
  • Buy: 6
  • Hold: 5
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the CPAY price?
Analysts Target Price 381.2 25.9%
Corpay (CPAY) - Fundamental Data Overview as of 11 April 2026
P/E Trailing = 20.1957
P/E Forward = 11.2994
P/S = 4.7361
P/B = 5.1397
P/EG = 0.7536
Revenue TTM = 4.53b USD
EBIT TTM = 1.95b USD
EBITDA TTM = 2.34b USD
Long Term Debt = 6.66b USD (from longTermDebt, last quarter)
Short Term Debt = 3.37b USD (from shortTermDebt, last quarter)
Debt = 10.12b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.12b USD (from netDebt column, last quarter)
Enterprise Value = 22.57b USD (21.45b + Debt 10.12b - CCE 8.99b)
Interest Coverage Ratio = 4.82 (Ebit TTM 1.95b / Interest Expense TTM 403.8m)
EV/FCF = 17.37x (Enterprise Value 22.57b / FCF TTM 1.30b)
FCF Yield = 5.76% (FCF TTM 1.30b / Enterprise Value 22.57b)
FCF Margin = 28.69% (FCF TTM 1.30b / Revenue TTM 4.53b)
Net Margin = 23.62% (Net Income TTM 1.07b / Revenue TTM 4.53b)
Gross Margin = 73.97% ((Revenue TTM 4.53b - Cost of Revenue TTM 1.18b) / Revenue TTM)
Gross Margin QoQ = 69.82% (prev 70.84%)
Tobins Q-Ratio = 0.85 (Enterprise Value 22.57b / Total Assets 26.41b)
Interest Expense / Debt = 1.12% (Interest Expense 113.0m / Debt 10.12b)
Taxrate = 33.49% (133.8m / 399.4m)
NOPAT = 1.29b (EBIT 1.95b * (1 - 33.49%))
Current Ratio = 0.98 (Total Current Assets 13.95b / Total Current Liabilities 14.30b)
Debt / Equity = 2.60 (Debt 10.12b / totalStockholderEquity, last quarter 3.88b)
Debt / EBITDA = 0.48 (Net Debt 1.12b / EBITDA 2.34b)
Debt / FCF = 0.87 (Net Debt 1.12b / FCF TTM 1.30b)
Total Stockholder Equity = 3.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.82% (Net Income 1.07b / Total Assets 26.41b)
RoE = 27.89% (Net Income TTM 1.07b / Total Stockholder Equity 3.84b)
RoCE = 18.54% (EBIT 1.95b / Capital Employed (Equity 3.84b + L.T.Debt 6.66b))
RoIC = 10.40% (NOPAT 1.29b / Invested Capital 12.44b)
WACC = 7.29% (E(21.45b)/V(31.56b) * Re(10.38%) + D(10.12b)/V(31.56b) * Rd(1.12%) * (1-Tc(0.33)))
Discount Rate = 10.38% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.31%
[DCF] Terminal Value 83.94% ; FCFF base≈1.49b ; Y1≈1.83b ; Y5≈3.13b
[DCF] Fair Price = 907.6 (EV 62.89b - Net Debt 1.12b = Equity 61.76b / Shares 68.1m; r=7.29% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 48.49 | EPS CAGR: 14.38% | SUE: 0.32 | # QB: 0
Revenue Correlation: 94.42 | Revenue CAGR: 13.00% | SUE: 1.00 | # QB: 2
EPS next Quarter (2026-06-30): EPS=6.25 | Chg7d=+0.003 | Chg30d=-0.003 | Revisions Net=+6 | Analysts=13
EPS current Year (2026-12-31): EPS=25.86 | Chg7d=+0.016 | Chg30d=+0.006 | Revisions Net=+13 | Growth EPS=+21.0% | Growth Revenue=+16.4%
EPS next Year (2027-12-31): EPS=29.66 | Chg7d=+0.000 | Chg30d=-0.002 | Revisions Net=+9 | Growth EPS=+14.7% | Growth Revenue=+10.2%
[Analyst] Revisions Ratio: +0.60 (8 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.4% (Discount Rate 10.4% - Earnings Yield 5.0%)
[Growth] Growth Spread = +12.0% (Analyst 17.5% - Implied 5.4%)
External Resources
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