Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

CPAY

BuyPremium GrowerFLAG

Corpay, Inc. · Technology · United States · $26.8B · Avg Vol: $202M/d

76
StockRank
Get insider-trade alerts
Q
55
V
47
M
69
P/E (TTM)
25.3x
ROE
29.2%
D/E
2.8x
Dividend %
AI CONVICTION THESIS

Corpay clears stage one with all legs above the floor and a buyback on file. Insiders sold 0.14% with no offsetting purchases, net selling, which is adverse, so stage two blocks approval.

COMPANY DESCRIPTION

Corpay, Inc. provides corporate payment solutions, including fleet, lodging, corporate, and gift card programs, as well as expense management and payroll services. The company benefits from its extensive network of merchants, proprietary technology platforms, and deep integration with client systems, creating high switching costs and recurring revenue. Corpay is a global leader in business payment solutions, specializing in automating and simplifying complex payment processes for businesses across various industries.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue3.4B3.8B4.0B4.5B9.7%5.0B5.3B5.8B13.0%
EPS12.6213.4214.2715.236.5%16.4519.5122.4021.3%
Shares73.4M71.7M70.2M68.4M-6.8%65.7M
Debt7.0B6.7B8.0B10.0B12.4%10.7B
Equity2.5B3.3B3.1B3.9B15.2%
Op CF754.8M2.1B1.9B1.5B25.7%1.8B
Inv CF-368.3M-380.7M-807.5M1.2B
Fin CF-311.2M-898.2M405.0M1.6B
Loading 1Y...
PRICE (1Y)+4.7%
382393404414425Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$408.47
RSI (14)
46.9
52W High
$427.46
From 52W High
1.0%

SCORE BREAKDOWN

Quality
55
ROIC
16.1%78.3
ROE
29.2%90.3
GP/Assets
15.3%36.5
Op. Margin
46.9%98.3
FCF/Assets
5.0%60.6
Piotroski
661.1
Int. Cover
4.8x37.6
D/E Ratio
2.75x2.5
Current Ratio
0.97x9.0
Value
47
P/E (TTM)
25.3x54.9
EV/EBITDA
12.6x63.1
P/FCF
20.4x62.0
P/B
7.7x17.2
P/S
5.4x31.1
Div Yield
N/A
Momentum
69
52W High %
96%97.4
RS 6M
11%70.9
SMA 50/200
1.15x77.3
EPS Rev 4W
+2.8%68.1
EPS Rev 12W
+2.8%73.1
EPS Improve
+91%54.9
Q Growth
-13%21.9

FUNDAMENTALS

Market Cap
$26.8B
P/E (Forward)
13.2x
Gross Margin
80.5%

SECTOR PEERS

Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of CPAY are excluded.

TickerCompanyMkt CapStockRankSignal
CPAYCorpay, Inc.(you)$26.8B76Buy
OKTAOkta, Inc.$29.1B76Buy
TWLOTwilio Inc.$36.5B77Buy
VRSNVeriSign, Inc.$26.4B86Strong Buy
XYZBlock, Inc.$50.2B77Buy
FFIVF5, Inc.$22.3B86Strong Buy
TOSTToast, Inc.$20.3B85Strong Buy
GDDYGoDaddy Inc.$12.4B78Buy
NTNXNutanix, Inc.$18.7B90Strong Buy
GENGen Digital Inc.$18.6B92Strong Buy

Peer medians: ROE 4.6% · P/E 35.3x · Gross margin 51.2%

Corpay, Inc. (CPAY): Stock Score Summary

Corpay, Inc. (CPAY) has a MoatMap StockRank of 76/100 based on Quality (55/100), Value (47/100), and Momentum (69/100) factor scores. The current signal is BUY. Corpay clears stage one with all legs above the floor and a buyback on file. Insiders sold 0.14% with no offsetting purchases, net selling, which is adverse, so stage two blocks approval.

Corpay, Inc. provides corporate payment solutions, including fleet, lodging, corporate, and gift card programs, as well as expense management and payroll services. The company benefits from its extensive network of merchants, proprietary technology platforms, and deep integration with client systems, creating high switching costs and recurring revenue. Corpay is a global leader in business payment solutions, specializing in automating and simplifying complex payment processes for businesses across various industries.

Key Financial Metrics

Price$408.47
Market Cap$26.8B
P/E (TTM)25.31
P/E (Forward)13.24
Price/Book7.72
Return on Equity29.2%
Return on Invested Capital16.1%
Debt/Equity2.75x
Gross Margin80.5%
Operating Margin46.9%
Revenue Growth21.5%
Free Cash Flow$1.3B

Corpay, Inc. operates in the Software - Infrastructure industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Corpay, Inc.’s (CPAY) StockRank?
MoatMap’s StockRank for Corpay, Inc. (CPAY) is 76/100, with a Buy signal. It is a composite of Quality (55), Value (47), and Momentum (69) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Corpay, Inc. have an economic moat?
Corpay, Inc. (CPAY) has a Quality factor score of 55/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Corpay, Inc. a buy, hold, or sell?
MoatMap’s current signal for Corpay, Inc. (CPAY) is Buy, based on a StockRank of 76/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Corpay, Inc. in?
Corpay, Inc. (CPAY) operates in the Technology sector, specifically the Software - Infrastructure industry (United States).