Stock Analysis
Corpay, Inc.CPAY
P/E 23.13×· 3Y range 16.84–47.62×· 47th percentile of history
Sector: Technology · Industry: Services-Business Services, Nec
AnalystsStrong Buy23 analystsP/E 23.1× sits at the 47th percentile of its 2.5598904859685145-year history.
Cash covers 30% of debt · Q2 2026.
PMP Verdict
High quality, fairly valued
Strengths
- Profitability95
- Growth77
Risks
- Financial Health39
Strong fundamentals at a reasonable valuation.
Bull Case
- ✓ROE 29.1% — efficient capital deployment
- ✓Revenue CAGR 12.4% — durable top-line growth
What's happening with CPAY
Profile
Strong moat, profitability, growth and earnings quality; financial health lags behind.
How is each axis scored?
- Valuation56/100 · Moderate
- P/E vs own history (47th pct)12/25
- FCF yield (6.2%)20/25
- P/S (5.2x)12/25
- EV/EBIT (15.1x)12/25
- Growth77/100 · Strong
- Revenue CAGR (12.4%)20/25
- Net income CAGR (6.2%)12/25
- EPS CAGR 5Y (10.8%)20/25
- Fwd implied growth (58.6%)25/25
- Profitability95/100 · Strong
- ROIC (15.4%)20/25
- ROE (29.1%)25/25
- Net margin (22.6%)25/25
- Operating margin (44.6%)25/25
- Financial Health39/100 · Weak
- Altman Z (1.40)3/25
- Current ratio (0.97)6/25
- Interest coverage (6.2x)18/25
- Net cash / debt (D/A 27%)12/25
- Quality77/100 · Strong
- Piotroski F (5/9)15/25
- Beneish M (-2.07)12/25
- FCF conversion (144%)25/25
- Margin stability (σ 2.0%)25/25
- Moat100/100 · Strong
- ROIC >12% years (5/5 yrs)25/25
- Median gross margin (78.2%)25/25
- FCF-positive years (5/5 yrs)25/25
- Worst-year net margin (worst 23.6%)25/25
Risk Flags
- ⚠Altman Z 1.4 — distress-zone balance sheet
About Corpay, Inc.
Corpay Inc is a corporate payments company that helps businesses and consumers manage and pay their expenses. Show more
The company offers payment and spend management solutions, including accounts payable automation, cross-border payments, commercial card programs, vehicle payment solutions, and lodging payment services. Its reportable segments are: Corporate Payments, Vehicle Payments, Lodging Payments and Other. The majority of the company's revenue is derived from the Vehicle Payments segment, which helps customers to pay for vehicle related expenses. Geographically, it derives the maximum revenue from the United States and the rest from Brazil, the United Kingdom and other countries.
Headquarters: ATLANTA, GA · Employees: 11,800 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
56CP/E (TTM)23.1xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 3Y history: 16.8x–47.6x · 47th pct
P/FCF12.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.2%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 3Y history: 3.5%–9.2% · 63rd pct
P/S (TTM)5.23xC
Grade C: ExpensivePrice / TTM Revenue (own statements) — vs own 3Y history: 4.1x–12.0x · 31st pct
EV/EBIT15.1xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 3Y history: 11.4x–32.7x · 40th pct
EV/Sales6.8xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E14.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio6.73xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.10C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
95A+ROIC15.4%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE29.1%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA4.5%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin22.6%A
Grade A: HighNet Income / Revenue
Operating Margin44.6%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin80.3%A
Grade A: PremiumGross Profit / Revenue
FCF Margin32.6%A
Grade A: HighFCF / Revenue
True FCF Margin30.3%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
77B+Revenue CAGR12.4%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR6.2%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)10.8%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth58.6%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income10.1%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue2.3%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
39DAltman Z-Score1.40D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.97xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.89xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage6.2xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment4.6yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT3.4xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity2.75xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.30xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
77B+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.07C
Grade C: Gray zoneEarnings manipulation risk. < -2.22 Safe
FCF Conversion144.4%A
Grade A: StrongFCF / Net Income
Margin Stability2.0%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue4.2%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.20xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -193 | |
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -9581 | |
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -24670 | |
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -50504 | |
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -15575 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -12109 | |
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -6854 | |
Clarke Ronald Filed | Clarke Ronald | SellOpen market sale | -40 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
100A+ROIC >12% Years5/5 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)78.2%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years5/5 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor23.6%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$17.29
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$48.40
Cash & short-term investments per share (Finnhub)
Book Value / Share$54.19
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$10.74B
Total debt obligations (short + long term)
Cash & Equiv.$3.18B
Cash and short-term investments
Net Debt$7.56B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$3.90B
Shareholders' equity (book value)
Asset / Liability1.16xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$26.25B
Current Market Capitalization
Beta0.95B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Corpay, Inc. (CPAY)
CPAY is down 1.57% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Corpay, Inc.. Altman Z-Score of 1.40 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Corpay, Inc. converts about 33% of revenue into free cash flow — strong cash generation.
- Takes ~4.6 years to repay net debt from free cash flow.
- Return on equity of 29.1% is well above the market average.
See how CPAY ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all CPAY moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 405.99 | +3.30% | 3.39 |
| Oct 15 | After-hours | 406.20 | +3.35% | 3.44 |
| Oct 5 | Regular | 404.01 | +2.38% | 2.68 |
| Oct 5 | After-hours | 401.72 | +1.80% | 2.10 |
Frequently Asked Questions about CPAY
What is the current Corpay, Inc. (CPAY) stock price?
CPAY is trading at $399.84 at the last market close, down 1.57% on the session. PreMarketPrice tracks CPAY pre-market, intraday and after-hours prices.
Is CPAY stock a buy right now?
PreMarketPrice's quantitative model rates Corpay, Inc.'s financial health at 39/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is CPAY stock overvalued?
Corpay, Inc. trades at a trailing P/E of 23.1 and our valuation score rates it 56/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Corpay, Inc. report earnings?
No confirmed earnings date is currently scheduled for CPAY. The Earnings section lists recent reports and updates as dates are announced.
What sector does Corpay, Inc. operate in?
Corpay, Inc. operates in the Technology sector, within the Services-Business Services, Nec industry. The Related Stocks section lists sector peers for comparison.
What does Corpay, Inc. do?
Corpay Inc is a corporate payments company that helps businesses and consumers manage and pay their expenses.
About Corpay, Inc. (CPAY) Stock
Corpay, Inc. (CPAY) is a US-listed stock operating in the Technology sector, specifically the Services-Business Services, Nec industry. As of the latest update, Corpay, Inc. is trading at $399.84, down 1.57% on the day with a market capitalization of $26.3 billion. The financial health score for CPAY is 39/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for CPAY stock.
CPAY Stock Analysis & Key Metrics
On PreMarketPrice, you can track Corpay, Inc. (CPAY) across multiple dimensions:
- Pre-market price & movement: Real-time CPAY stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for CPAY with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Corpay, Inc. across multiple reporting periods.
- Financial health score: A composite score of 39/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for CPAY.
- Sector peers: Compare CPAY against 6 other technology stocks on key financial metrics.
Is CPAY a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Corpay, Inc. (CPAY) as an investment. The financial health score of 39/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Corpay, Inc. (CPAY) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.