Stock AnalizCorpay, Inc. CPAY
Business Services · data as of November 13, 2026
Corpay, Inc. (CPAY) is a consumer discretionary company listed in the US with a market value of about $29.6B. In the twelve months to September 30, 2026 it had revenue of $5.2B and net income of $1.2B, a net margin of 23.7%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is track record (4/5); the weakest is value (0/5).
Key numbers: a P/E of 25.4, a price to free cash flow of 22.2, 5-year revenue growth of 14% a year, a 5-year average ROIC of 11%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 5% below the current price.
Score: 2.0 / 5
Checks passed
- Revenue growth above 10% last year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
- ROE above 15%
- Positive free cash flow
- Share count down over 3 years (buybacks)
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
Valuation
Growth and quality
Financials, last 9 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.2B | $4.5B | $4.0B | $3.8B | $3.4B | $2.8B | $2.4B | $2.6B | $2.4B | $2.2B |
| Net income | $1.2B | $1.1B | $1.0B | $982M | $954M | $839M | $704M | $895M | $811M | $740M |
| Free cash flow | $1.3B | $1.3B | $1.8B | $1.9B | $603M | $1.1B | $1.4B | $1.1B | $822M | $610M |
| EPS (diluted) | $18.18 | $15.03 | $13.97 | $13.20 | $12.42 | $9.99 | $8.12 | $9.94 | $8.81 | $7.91 |
| Net margin | 23.7% | 23.6% | 25.2% | 26.1% | 27.9% | 29.6% | 29.5% | 33.8% | 33.4% | 32.9% |
| ROIC | — | 9.9% | 11.6% | 12.2% | 11.2% | 10.5% | 10.0% | 11.6% | 9.9% | 11.0% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 15 analysts is $492.00, 6% above the current price; targets range from $460.00 to $539.00; the consensus rating is “Buy”; expected EPS is $28.00 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Corpay’s P/E ratio?
About 25.4, based on the last twelve months of diluted earnings per share (forward P/E about 15.1).
Is Corpay stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 5% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Corpay pay a dividend?
Not currently.
Is Corpay a good stock to buy?
We do not give buy or sell advice. Corpay scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.