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CPAY
Corpay, Inc.
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is average at 8.0% per year
Earnings Expectations CPAY has met or exceeded earnings expectations in few recent quarters (4/10)
Positive Reasonable Price-Earnings Ratio
Positive Strong Gross Profit Margin
Negative High Price-to-Sales Ratio
Negative Elevated Price-to-Book Ratio

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Overall, CPAY demonstrates a strong business model with solid growth in revenue and cash EPS, supported by effective M&A strategies. However, macroeconomic challenges pose risks to future growth potential, necessitating careful navigation of market conditions.

Analysis Date: February 5, 2025
Last Updated: May 29, 2025

+116%
+8.0% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Software - Infrastructure
Sector Technology
Market Cap $23.87B
CEO Mr. Ronald F. Clarke

Corpay, Inc. is a payments company that helps businesses and people manage expenses related to vehicles and travel. They offer services for paying things like fuel, parking, and maintenance for vehicles. Corpay also provides tools for companies to make payments easily, like cards for travel costs and gifts. Founded in 1986 and based in Atlanta, Georgia, Corpay operates in several countries, including the United States and the United Kingdom.

Streams of revenue

Corporate Payments: 83%
Other Operating Segments: 17%

Geographic Distribution

UNITED STATES: 64%
Other Countries: 20%
BRAZIL: 16%

Core Products

🤖
AP Automation Automate payables
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Expense Management Track expenses
📉
FX Risk Management Manage currency risk
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Cross-Border Payments Global transactions

Business Type

B2B Business to Business

Competitive Advantages

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Key Business Risks

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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Graham Value Metrics

Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.

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ROE: 32.77578211858936

ROA: None

Gross Profit Margin: 78.15780202991095

Net Profit Margin: 25.14731131358305

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.

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  • • Return on Equity (ROE) analysis
  • • Return on Assets (ROA) insights
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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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Meeting Expectations

4 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

4.51
Estimated
4.51
Actual
0.00%
Difference

Revenue

$1015394796
Estimated
$1005667000
Actual
-0.96%
Difference
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Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

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CPAY Stock Analysis: Corpay, Inc. Investment Guide

CPAY (Corpay, Inc.) is a Technology company listed on New York Stock Exchange. The stock has generated 8.0% annual returns with an overall investment score of None/100.

Overall, CPAY demonstrates a strong business model with solid growth in revenue and cash EPS, supported by effective M&A strategies. However, macroeconomic challenges pose risks to future growth potential, necessitating careful navigation of market conditions.

CPAY Key Financial Metrics

CPAY financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 5.702374059476485/100 and profitability score of 5.0/100 with financial health rated 2.5/100.

About Corpay, Inc.

Corpay, Inc. is a payments company that helps businesses and people manage expenses related to vehicles and travel. They offer services for paying things like fuel, parking, and maintenance for vehicles. Corpay also provides tools for companies to make payments easily, like cards for travel costs and gifts. Founded in 1986 and based in Atlanta, Georgia, Corpay operates in several countries, including the United States and the United Kingdom.

CPAY Investment Recommendation

Based on our comprehensive analysis of CPAY, investors should consider the company's positive performance track record, earnings consistency (4/10 quarters beat expectations), and current valuation metrics when making investment decisions.

Technology Sector Analysis

CPAY operates in the Software - Infrastructure industry within the Technology sector. This analysis compares Corpay, Inc. performance against industry and sector benchmarks to provide context for investment decisions.

Frequently Asked Questions about CPAY Stock

Is CPAY a good investment?

CPAY (Corpay, Inc.) has generated 8.0% annual returns with an overall score of None/100. Overall, CPAY demonstrates a strong business model with solid growth in revenue and cash EPS, supported by effective M&A strategies. However, macroeconomic challenges pose risks to future growth potential, necessitating … Investors should consider their risk tolerance and investment goals when evaluating CPAY.

What is CPAY P/E ratio and valuation?

CPAY valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Software - Infrastructure industry and Technology sector benchmarks. The company currently has a valuation score of 5.702374059476485/100.

Should I buy CPAY stock now?

The decision to buy CPAY stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 5.0/100, financial health score of 2.5/100, and detailed performance metrics to help inform your investment decision.

What are CPAY financial health indicators?

CPAY financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 2.5/100 based on comprehensive analysis of balance sheet strength and operational efficiency.

How does CPAY compare to competitors?

CPAY performance is benchmarked against Software - Infrastructure industry peers and Technology sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Corpay, Inc.'s market position.

What are CPAY historical returns?

CPAY has generated 8.0% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.

CPAY Key Investment Metrics Summary

  • Annual Return: 8.0%
  • Valuation Score: 5.702374059476485/100
  • Profitability Score: 5.0/100
  • Financial Health Score: 2.5/100
  • Growth Score: -0.6515146315950348/100
  • Earnings Beat Rate: 4/10 quarters
  • Sector: Technology
  • Industry: Software - Infrastructure
  • Exchange: New York Stock Exchange
  • Market Cap: 23866955070

CPAY Investment Thesis

Corpay, Inc. (CPAY) represents a moderate investment opportunity in the Technology sector. With an overall score of None/100, the company demonstrates areas for financial improvement.

Investment Strengths

  • Reasonable Price-Earnings Ratio
  • Strong Gross Profit Margin
  • High Return on Equity
  • Solid Interest Coverage Ratio
  • Adequate Current Ratio
  • Strong Revenue Growth
  • Solid Cash EPS Increase
  • Successful Acquisitions and Integration
  • Optimistic Guidance for 2025
  • Focus on Corporate Payments Expansion

Investment Risks

  • High Price-to-Sales Ratio
  • Elevated Price-to-Book Ratio
  • Moderate Net Profit Margin
  • High Debt-to-Equity Ratio
  • Low Cash Ratio
  • Macro Headwinds Impacting Revenue
  • Dependence on Macro Conditions
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