Corpay, Inc.

CPAY: NYSE
51Total

Lowest reading is at 32 out of 100. All scores are out of 100.

About The Company

CEO

Mr. Ronald F. Clarke

Market Cap

26.14 Billion USD

Sector

Technology

Website

https://www.corpay.com

Last Update

28/09/2026, 03:37:54

Description

Corpay, Inc. operates as a payments company that helps businesses and consumers to manage and pay their expenses.

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Strongest readings

  • ✔Share count has been falling at 3.54% per year
  • ✔Return on capital employed of 16.06% is above the market average of 10.00%

Weakest readings

  • ✘Revenue is growing at 13.93% per year while free cashflow is falling
  • ✘Debt is high at 3.44 times equity
  • ✘The current price sits above estimated fair value (margin of safety -80.10%)
  • ✘Earnings and cashflow growth is weak (growth score 32 out of 100)
  • ✘Price-to-earnings of 23.6 is above the market average of 19.6

Key Figures

StatusMetricValueReadingMarket avg
✘
Price / earnings (TTM)
23.60x
19.60x
✘
Margin of safety (DCF)
-80.10%
17.95%
✔
Revenue growth (5y average)
13.93%
10.97%
✘
Dividend yield (TTM)
0.00%
1.85%
✔
Share count, per year
-3.54%
0.00%
✔Return on capital employed16.06%
10.00%

The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.

Valuation

56 / 100

Priced at or below the market on most measures.

StatusMetricValueReadingMarket avg
✘
Price / earnings
23.60x
19.60x
✔Free cashflow yield7.52%
4.70%
✘Price / earnings growth3.51x
1.50x
Price / book7.38x
—
✘
Margin of safety
-80.10%
17.95%

The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.

  • ✘Estimated intrinsic value of 79.24 USD is below the current price of 398.11 USD

Desired Margin Of Safety

0%

▼

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Estimated Fair Value: 286.5 USD ✘

Current Price: 398.1 USD

How Does This Work?

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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.

Growth

32 / 100

Growing more slowly than the market on most measures.

StatusMetricValueReadingMarket avg
✔
Revenue growth
13.93%
10.97%
✘Earnings growth6.73%
14.48%
✘Cashflow growth-22.14%
12.35%

The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.

  • ✔Revenue growth has improved this year (23.53% against a five year average of 13.93%)
  • ✔Earnings growth has improved this year (18.55% against a five year average of 6.73%)
  • ✔Free cashflow growth has improved this year
  • ✘Revenue is growing at 13.93% per year while free cashflow is falling at 22.14% per year

Health

34 / 100

Balance sheet is stretched on several measures.

Measured on Leverage and capital, Funding and liquidity, Earnings quality.

StatusMetricValueReadingThreshold
✘Altman-Z score1.64
3.00
✔Piotroski score6.00
5.00
✘Debt / equity3.44x
0.80x
✘Current ratio0.98x
1.00x
✔Interest coverage4.82x
2.50x
✘Free cashflow / debt0.10x
0.15x
✔Debt / capital0.77x
1.00x

The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.

    Management

    81 / 100

    Returns on capital are at or above the market.

    StatusMetricValueReadingMarket avg
    ✔Return on equity27.55%
    15.00%
    ✔Return on capital employed16.06%
    10.00%
    Return on assets4.05%
    —
    Free cashflow return on capital10.73%
    —
    ✔Return on capital, 5y change3.21%
    0.00%
    ✔
    Share count, per year
    -3.54%
    0.00%
    ✔Share count, recent-6.38%
    0.00%
    ✘Realized buyback return-13.31%
    0.00%
    ✔Goodwill erosion / equity0.00%
    2.00%
    Price volatility, 5 year30.51%
    —

    The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.

    • ✔Shares were repurchased while the value score was 56 out of 100

    Analysts

    not enough data
    StatusMetricValueReadingNeutral
    Analyst opinion scoreN/A50

    The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.

    Financial History

    Annual figures across the full reporting history we hold.

    Market Peers

    CPAY

    SEC Filings

    Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

    See 35+ Years Annual Reports

    Other Information

    Company Name

    Corpay, Inc.

    Currency

    USD

    Beta

    0.873

    Vol Avg

    496380

    Ceo

    Mr. Ronald F. Clarke

    Cik

    0001175454

    Cusip

    Exchange

    NYSE

    Full Time Employees

    11800

    Industry

    Software - Infrastructure

    Sector

    Technology

    Ipo Date

    Address

    3280 Peachtree Road

    City

    Atlanta

    State

    GA

    Country

    United States

    Zip

    30305

    Phone

    770 449 0479

    Analysis Last Updated

    28/09/2026, 03:37:54

    Financial data compiled from SEC EDGAR filings and Yahoo Finance.

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