Corpay, Inc. CPAY
Composite 55/100; the shares have moved about 35% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 21/100 — a strong mark against it.
Momentum ranks 76/100 — a strong point in its favour. Quality ranks 70/100 — a moderate point in its favour. Valuation ranks 58/100 — a slight point in its favour.
Balance-sheet strength ranks 21/100 — a strong mark against it.
What the company does Corpay (CPAY) provides B2B and B2C payment solutions across corporate spend, lodging, and vehicle-related expenses. Its segments include Corporate Payments (cross-border, virtual cards), Vehicle Payments (fuel, tolls, fleet services), Lodging Payments (travel programs), and Other (gift/payroll cards).
Key financials High-margin business: gross margin 80.5%, operating margin 46.9%, net margin 22.7%. ROE 29.2% and revenue growth 21.5% are strong, but EPS growth is negative at -7.0%. Debt/equity is elevated at 2.75x, with net debt/EBITDA at 2.70x.
Stock health Momentum is robust: 24.19% (3m), 20.91% (6m), 27.29% (12m), though down -4.30% from the 52w high. RSI(14) at 61.40 suggests mild upside pressure. Sideravia scores Quality 73.9 and Momentum 66.6, offset by Valuation 47.6 and Strength 23.1.
Price vs fair value The stock trades at a **discount of 10.60%** to the analyst mean target of 450.64. - Record quarterly results highlighted, yet cautious outlook persists (Insider Monkey). - Q2 earnings call emphasized growth drivers and operational execution (MarketBeat). - Stock surged 25% in six months on strong performance (Zacks). - Earnings call transcript underscored confidence in long-term strategy (Motley Fool).
Looking forward Forward P/E of 15.50 and PEG of 0.26 imply undemanding valuation relative to growth, though high leverage and negative EPS growth warrant scrutiny. Analysts appear optimistic on cross-border and virtual card expansion, balancing near-term margin pressures.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.