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CPAY Stock Analysis

NYQ · Technology · Software - Infrastructure

$394.77

-3.34 (-0.84%)

OverviewTechnicalRiskWhaleEarningsOptionsShort InterestESG

CPAY Interactive Price Chart & Trading Signals

CPAY Stock Snapshot — Valuation, Risk & Technical Signals

CPAY Key Fundamentals, Analyst Targets & Company Profile

Key Financial Ratios

Marktkapitalisatie

$25.92B

P/E

24.01

Forward P/E

12.55

PEG

0.76

P/B

7.32

EPS

$16.44

Dividendrendement

—

52W bereik

$252.84 – $427.46

Beta

0.87

Volume

0.2M

ROE

29.2%

Winstmarge

22.7%

Omzetgroei

21.5%

Brutomarge

80.5%

EV/EBITDA

12.17

Analystendoel

$461.00

The trailing price-to-earnings ratio stands at 24.0x. Forward P/E of 12.6x implies earnings expansion expected. Price-to-book is 7.32x. EV/EBITDA sits at 12.17x. Market capitalization is $25.92B. Revenue is growing at 21.5% on a trailing basis. Earnings are compressing at -7.0%. Profit margins are 22.7%. Return on equity is 29.2%. Beta of 0.87 indicates market-average volatility.

Analyst Consensus

Aanbeveling

Buy

Doel laag

$390.00

Doel gemiddeld

$461.00

Doel hoog

$536.00

Gebaseerd op 15 analisten

Over CPAY

Corpay, Inc. operates as a payments company that helps businesses and consumers to manage and pay their expenses. It operates through Corporate Payments, Vehicle Payments, Lodging Payments, and Other segments. The company offers vehicle payment solutions for fuel, tolls and parking, vehicle compliance, auto insurance and road assistance, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions, such as cross-border payments, spend management solutions, AP modernization, virtual cards, and purchasing and T&E cards. Additionally, it offers lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; workforce lodging solutions for business travel programs; airline logistics, crew management, insurance, and other payments solutions. Further, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in June 2002. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.

United States11,800 medewerkersWebsite ↗

Handel CPAY op Interactive Brokers

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CPAY Deep Dive Analysis

Bottom Line

Verdict

Overvalued

Best for

Growth-oriented investors

Watch out for

Premium valuation, Earnings decline

Non-zero inputs

4/5

Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.

Corpay, Inc. (CPAY) trades above our multi-model fair value estimate of $264.86 by approximately 32.9%. Trailing P/E: 24.0x. Profitability signals include profit margin of 22.7% and return on equity of 29.2%. Recent growth metrics show revenue growth of 21.5% and earnings growth of -7.0%. Risk profile: beta of 0.87. Consensus: buy.

Valuation, Growth & Risk

Valuation

Overvalued

P/E 24.0x

Price is above what fundamentals suggest.

Growth

Expanding

Rev 21.5%

Revenue is outpacing the market.

Valuation Snapshot

Corpay, Inc. (CPAY) trades above our multi-model fair value estimate of $264.86 by approximately 32.9%. The trailing price-to-earnings ratio stands at 24.0x. Forward P/E of 12.6x suggests earnings compression ahead. Price-to-sales is 5.2x. Price-to-book is 7.3x. EV/EBITDA sits at 12.2x. Market capitalization is $25.92B.

Why it matters: Paying a premium works only if the company keeps growing faster than expected.

Growth & Profitability

Revenue is growing at 21.5% on a trailing basis. Earnings are compressing at -7.0%. Profit margins are 22.7%. Return on equity is 29.2%. Return on assets is 6.3%.

Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.

Risk Profile

Beta of 0.87 indicates market-average volatility. Net debt position is $7.56B.

Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.

Analyst Context

Analyst consensus target of $461.00 implies 16.8% upside. Target range spans $390.00 to $536.00. 15 analysts cover the stock. Consensus recommendation: buy.

Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.

Investor Fit

Premium valuation is supported by above-average growth, potentially fitting growth-oriented strategies. Free cash flow yield of 5.0% is attractive for cash-flow-focused investors.

Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.

Data Methodology & Sources

Market Data (Facts)

  • Price, volume, and market cap: Yahoo Finance (may be delayed)
  • P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
  • Analyst estimates: Yahoo Finance (coverage and update times vary)
  • Insider transactions: Yahoo Finance (reporting may be delayed)

QuantSoar Model (Derived)

  • Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
  • Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
  • Composite Score: 40% Value + 30% Momentum + 30% Risk
  • Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.

Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.

CPAY Overvalued

Corpay, Inc. (CPAY) trades above our multi-model fair value estimate of $264.86 by approximately 32.9%.

Frequently Asked Questions

ValuationIs CPAY stock overvalued right now?
Based on our discounted cash flow and relative valuation models, CPAY appears to trade above fair value by approximately 32.9%. This suggests the market may be pricing in elevated growth expectations or sentiment premiums.
ValuationWhat is CPAY fair value based on current fundamentals?
Our fair value estimate for CPAY is $264.86, derived from discounted cash flow, dividend discount, and relative valuation multiples. The estimate assumes a discount rate of 9.0% and terminal growth of 2.5%.
RiskHow risky is CPAY compared with other stocks?
Risk profile for CPAY: a beta of 0.87 is near market average. Investors should weigh macro exposure against their own risk tolerance.
GrowthIs CPAY still growing?
Latest trailing metrics show revenue growth of 21.5% and earnings contraction of 7.0%. Profit margins are 22.7%.
AnalystWhat do analysts think about CPAY?
Analyst consensus target is $461.00, implying 16.8% upside. The street recommendation is "buy".
CatalystWhat could change the investment case for CPAY?
Key catalysts include Technology sector dynamics, interest rate shifts, and company-specific earnings surprises. Monitor macro risk scores and analyst estimate revisions for early signals.

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