CPAY
Corpay
$347.17
▲ 0.5%Updated Today 7:15 PM ET
▲ Up 9.8% over the last 12 months
Market Cap
$22.57B
P/E
18.81x
Forward P/E (est.)
15.99x
ROE
30.6%
Revenue Growth
18.3%
EPS Growth
17.6%
Profit Margin
24.6%
FCF Yield
—
Debt / Equity
2.58x
ROIC
11.0%
Interest Coverage
153.19x
Current Ratio
0.98x
Dividend Yield
—
Implied Growth (rev. DCF)
3.1%
Rating Score
71/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what CPAY's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. CPAY trades near $347.17, above its 50-day average ($334.24) and 200-day average ($312.13). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 51 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. CPAY's is $11.32 (~3.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month CPAY found buyers near $333.18 (support) and sellers near $367.43 (resistance); its 52-week range is $252.84–$367.43. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.1× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Corpay (CPAY) is a large-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $22.57B.
In its latest reported year it generated about $4.53B in revenue and $1.07B in net profit.
Our model rates CPAY Favorable (71/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
12.4%
Revenue moved from $2.83B in 2021 to $4.53B in 2025, a 12.4% compound annual growth rate. The most recent year grew a strong 18.3% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
78.7%
Operating Margin
44.0%
Net Margin
23.6%
ROE
30.6%
Corpay keeps about 24.6% of each sales dollar as net profit, with a 78.7% gross margin and 44.0% operating margin. Return on equity is 30.6% and return on invested capital about 11.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$10.36B
Net Debt
$7.82B
Net Debt / EBITDA
3.92x
Debt / Equity
2.58x
Leverage: debt-to-equity is 2.6x, and operating profit covers interest about 153.2x, with a current ratio of 1.0x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $10.36B of total debt against $2.54B of cash.
Operating CF
$1.50B
Free Cash Flow
$1.30B
FCF Margin
28.7%
In the latest year Corpay produced about $1.50B of operating cash flow and $1.30B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
18.81x
P/S
5.1x
P/B
5.19x
EV / EBITDA
13.14x
CPAY trades at 18.8x trailing earnings (about 16.0x on estimated forward earnings), 5.1x sales, and 5.2x book value. Reverse-engineering today's price implies the market expects roughly 3.1% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How CPAY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), CPAY ranks #20 of 76 by our overall rating. It trades at a premium versus the sector on earnings (18.8x P/E vs. 15.2x median) with a higher return on equity (30.6% vs. 15.3%) and faster revenue growth (18.3% vs. 9.1%).
P/E vs sector
18.8x
median 15.2x
ROE vs sector
30.6%
median 15.3%
Growth vs sector
18.3%
median 9.1%
Sector rank
#20
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$418.44 – $722.76
vs. $347.17 today · expected CAGR 4% – 16%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $5.34B | $6.31B | $7.44B | $8.78B | $10.36B |
| Net income | $1.28B | $1.51B | $1.79B | $2.11B | $2.49B |
| EPS | $19.62 | $23.15 | $27.32 | $32.24 | $38.04 |
| Share price (low) | $215.83 | $254.68 | $300.52 | $354.61 | $418.44 |
| Share price (high) | $372.79 | $439.90 | $519.08 | $612.51 | $722.76 |
| CAGR (low–high) | -38% / 7% | -14% / 13% | -5% / 14% | 1% / 15% | 4% / 16% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for CPAY:
- Revenue is growing 18.3% a year, a sign of real demand.
- High net margins (24.6%) point to pricing power or efficiency.
- Strong return on equity (30.6%) shows capital is put to work well.
- Our model's overall read is Favorable (71/100).
The case against CPAY:
- Elevated leverage (debt/equity 2.6x) adds financial risk.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 2.6x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Corpay is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 18.8x earnings, which our model scores Favorable (71/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.