CPAY
BULLISH
$312.91
Live
Corpay, Inc. · NYSE
Target $381.77
(+22.0%)
$252.84
52W Range
$361.99
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 25, 2026
Market cap
$20.69B
P/E
20.83
ROE
29.1%
Profit margin
23.6%
Debt/Equity
2.43
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
75%
CPAY presents a profile of high operational efficiency tempered by balance sheet leverage, evidenced by a stable Piotroski F-Score of 4/9. While the current price ($312.91) aligns closely with its intrinsic value ($307.91), the Forward P/E of 10.52 and PEG of 0.90 suggest significant undervalued growth potential. Exceptional operating margins (57.14%) and a consistent 25-quarter track record of earnings beats provide a strong fundamental floor. However, high debt-to-equity (2.43) and bearish insider sentiment warrant a cautious approach to entry timing.
Key Strengths
Exceptional operating margins (57.14%) and gross margins (79.68%)
Strong revenue growth (20.70% YoY) and consistent Q/Q momentum
Highly attractive valuation on a forward basis (Forward P/E 10.52, PEG 0.90)
Impressive Return on Equity (ROE) of 29.07%
Consistent earnings beat history over 25 available quarters
Key Risks
High leverage with a Debt/Equity ratio of 2.43
Poor short-term liquidity indicated by a Quick Ratio of 0.45
Bearish insider activity with net selling in the last 6 months
Bearish technical trend (0/100) suggesting short-term price pressure
Significant premium over the Graham Number ($138.56), indicating reliance on growth expectations
AI Fair Value Estimate
Based on comprehensive analysis
$315.0
+0.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
58
Moderate
75
85
90
40
0
AI Verdict
Strong growth and profitability offset by balance sheet fragility.
Key drivers: Forward P/E, Operating Margin, Revenue Growth, Debt/Equity Ratio
Confidence
80%
Value
75/100
Ref P/E 20.83, Forward P/E 10.52, PEG 0.90, Graham Number $138.56
Positives
- PEG ratio < 1.0
- Low Forward P/E relative to sector
Watchpoints
- Price is significantly above Graham Number
- High Price/Book (5.51)
Future
85/100
Ref Revenue Growth 20.70%, Earnings Growth 9.00%
Positives
- Strong YoY revenue growth (20.7%)
- Positive earnings progression
Watchpoints
- Earnings growth (9%) lagging behind revenue growth
Past
90/100
Ref Quarterly Earnings Track Record
Positives
- Consistent earnings beats over 25 quarters
- Strong 3-year price appreciation (+49.5%)
Watchpoints
- Recent 1-year return is slightly negative (-2.8%)
Health
40/100
Ref Piotroski F-Score 4/9, Debt/Equity 2.43, Quick Ratio 0.45
Positives
- Piotroski F-Score is in the 'Stable' range (4/9)
Watchpoints
- High Debt/Equity (2.43)
- Quick Ratio (0.45) suggests liquidity risk
Dividend
0/100
Ref Dividend Yield N/A
Positives
No standout positives identified.
Watchpoints
- No dividend payments
- 0% payout ratio
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$312.91
Analyst Target
$381.77
Upside/Downside
+22.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CPAY and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CPAY
Corpay, Inc.
Primary
|
+7.5% | +49.5% | -2.8% | +10.0% | +7.2% | -6.5% |
|
ALAB
Astera Labs, Inc.
Peer
|
+94.0% | +94.0% | +84.2% | -47.6% | -16.3% | +0.9% |
|
FSLR
First Solar, Inc.
Peer
|
+150.5% | -7.0% | +52.2% | -15.8% | -0.3% | +1.0% |
|
NTAP
NetApp, Inc.
Peer
|
+45.1% | +57.7% | +24.4% | -16.6% | -1.4% | +0.9% |
|
MTSI
MACOM Technology Solutions Holdings, Inc.
Peer
|
+336.0% | +317.7% | +166.2% | +100.6% | +17.3% | +11.4% |
CPA
Corpay, Inc.
Primary
5Y
+7.5%
3Y
+49.5%
1Y
-2.8%
6M
+10.0%
1M
+7.2%
1W
-6.5%
ALA
Astera Labs, Inc.
Peer
5Y
+94.0%
3Y
+94.0%
1Y
+84.2%
6M
-47.6%
1M
-16.3%
1W
+0.9%
FSL
First Solar, Inc.
Peer
5Y
+150.5%
3Y
-7.0%
1Y
+52.2%
6M
-15.8%
1M
-0.3%
1W
+1.0%
NTA
NetApp, Inc.
Peer
5Y
+45.1%
3Y
+57.7%
1Y
+24.4%
6M
-16.6%
1M
-1.4%
1W
+0.9%
MTS
MACOM Technology Solutions Holdings, Inc.
Peer
5Y
+336.0%
3Y
+317.7%
1Y
+166.2%
6M
+100.6%
1M
+17.3%
1W
+11.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
20.83
Forward P/E
10.52
PEG Ratio
0.9
P/B Ratio
5.51
P/S Ratio
4.57
EV/Revenue
6.52
EV/EBITDA
12.13
Market Cap
$20.69B
Profitability
Profit margins and return metrics
Profit Margin
23.62%
Operating Margin
57.14%
Gross Margin
79.68%
ROE
29.07%
ROA
6.04%
Growth
Revenue and earnings growth rates
Revenue Growth
+20.7%
Earnings Growth
+9.0%
Q/Q Revenue Growth
+20.67%
Q/Q Earnings Growth
+7.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
2.43
High debt
Current Ratio
0.98
Weak
Quick Ratio
0.45
Poor
Cash/Share
$35.6
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$1.2B
Gross Margin
79.2%
Op. Margin
41.8%
Net Margin
21.2%
Total Assets
$26.4B
Liabilities
$22.2B
Equity
$3.9B
Debt/Equity
5.71x
Operating CF
$0.8B
CapEx
$-0.1B
Free Cash Flow
$0.8B
FCF Yield
94%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-02-04
$6.04
+1.7% surprise
2025-11-05
$5.7
+1.0% surprise
2025-08-06
$5.13
+0.1% surprise
Technology Sector Comparison
Comparing CPAY against 528 companies in the Technology sector
(46 bullish, 175 neutral, 307 bearish)
P/E Ratio
20.83
This Stock
vs
85.73
Sector Avg
-75.7%
(Discount)
Return on Equity (ROE)
29.07%
This Stock
vs
-36.43%
Sector Avg
-179.8%
(Below Avg)
Profit Margin
23.62%
This Stock
vs
-12.81%
Sector Avg
-284.5%
(Weaker)
Debt to Equity
2.43
This Stock
vs
0.71
Sector Avg
+244.9%
(Higher)
Revenue Growth
20.7%
This Stock
vs
4697.82%
Sector Avg
-99.6%
(Slower)
Current Ratio
0.98
This Stock
vs
3.69
Sector Avg
-73.5%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CPAY
Corpay, Inc.
|
BULLISH | $20.69B | 20.83 | 29.1% | 23.6% | $312.91 | |
|
ALAB
Astera Labs, Inc.
|
NEUTRAL | $20.48B | 98.61 | 18.8% | 25.7% | $120.31 | Compare |
|
FSLR
First Solar, Inc.
|
BULLISH | $21.19B | 14.12 | 17.4% | 29.3% | $197.25 | Compare |
|
NTAP
NetApp, Inc.
|
NEUTRAL | $19.87B | 16.58 | 112.6% | 18.1% | $100.33 | Compare |
|
MTSI
MACOM Technology Solutions...
|
NEUTRAL | $19.8B | 118.88 | 12.9% | 15.9% | $263.92 | Compare |
CPAY
Corpay, Inc.
BULLISH
Mkt Cap
$20.7B
P/E
20.8
ROE
29.1%
Price
$312.91
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-24 | MODDELMOG HALA G | Director | Stock Award | 886 | - |
| 2026-02-24 | GUPTA RAHUL | Director | Stock Award | 886 | - |
| 2026-02-24 | JONES ARCHIE LEE JR | Director | Stock Award | 886 | - |
| 2026-02-24 | SLOAN JEFFREY STEVEN | Director | Stock Award | 886 | - |
| 2026-02-24 | KING ALAN | Officer | Stock Award | 1,181 | - |
| 2026-02-24 | THROOP GERALD C | Director | Stock Award | 886 | - |
| 2026-02-24 | WALKER PETER JAMES | Chief Financial Officer | Stock Award | 1,772 | - |
| 2026-02-24 | MACCHIA RICHARD | Director | Stock Award | 886 | - |
| 2026-02-24 | FARRELLY JOSEPH W. | Director | Stock Award | 886 | - |
| 2026-02-24 | BEXIGA ANNABELLE G | Director | Stock Award | 886 | - |
| 2026-02-17 | SLOAN JEFFREY STEVEN | Director | Sale | 3,600 | $1,237,015 |
| 2026-02-13 | CLARKE RONALD F | Chief Executive Officer | Stock Award | 6,630 | - |
| 2026-02-13 | NETTO ARMANDO LINS | Officer | Stock Award | 3,736 | - |
| 2026-02-13 | NETTO ARMANDO LINS | Officer | Stock Award | 3,640 | - |
| 2026-02-13 | KING ALAN | Officer | Stock Award | 3,021 | - |
MODDELMOG HALA G
Director
2026-02-24
886 shares
GUPTA RAHUL
Director
2026-02-24
886 shares
JONES ARCHIE LEE JR
Director
2026-02-24
886 shares
SLOAN JEFFREY STEVEN
Director
2026-02-24
886 shares
KING ALAN
Officer
2026-02-24
1,181 shares
THROOP GERALD C
Director
2026-02-24
886 shares
WALKER PETER JAMES
Chief Financial Officer
2026-02-24
1,772 shares
MACCHIA RICHARD
Director
2026-02-24
886 shares
FARRELLY JOSEPH W.
Director
2026-02-24
886 shares
BEXIGA ANNABELLE G
Director
2026-02-24
886 shares
SLOAN JEFFREY STEVEN
Director
2026-02-17
3,600 shares
·
$1,237,015
CLARKE RONALD F
Chief Executive Officer
2026-02-13
6,630 shares
NETTO ARMANDO LINS
Officer
2026-02-13
3,736 shares
NETTO ARMANDO LINS
Officer
2026-02-13
3,640 shares
KING ALAN
Officer
2026-02-13
3,021 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
8-K/A
8-K
8-K
10-Q
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
13 analysts
Baird
2026-03-31
Outperform
Outperform
UBS
2026-02-10
Neutral
Neutral
Cantor Fitzgerald
2026-02-09
Overweight
Overweight
Mizuho
2026-02-06
Neutral
Neutral
JP Morgan
2026-02-05
Overweight
Overweight
RBC Capital
2026-02-05
Sector Perform
Sector Perform
Morgan Stanley
2026-02-05
Overweight
Overweight
Cantor Fitzgerald
2026-01-27
Overweight
Morgan Stanley
2026-01-26
Equal-Weight
Overweight
Oppenheimer
2026-01-12
Outperform
Outperform
Past News Coverage
Recent headlines mentioning CPAY from our newsroom.
Newest → oldest
No matching news yet.