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Company Analysis

Corpay, Inc. CPAY

A comprehensive view of key metrics, scores, and financial health for Corpay, Inc.

Overview of Corpay, Inc.

CPAY NYQ
Technology Software - Infrastructure Framework: Software & SaaS Large Cap
Corpay, Inc. (CPAY), is a Large Cap company, in the Software - Infrastructure industry, last closed at $364.80, about 10.0% overvalued vs fair value, +10.8% 1Y return, ranked 219/780 in sector.
Metrics P/E 20.0× Rev Growth 13.9% ROE 30.5% Gross Margin 78.6%
USD 364.80
1.62%
(Delayed)
• Vol 90d: 36.9%
52-Week Range
Market Cap
$22.95B
Enterprise Value
$30.78B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Good
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 84%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.corpay.com
HQ Atlanta, GA
Fiscal year Dec 31

Next Events

Earnings Aug 5 Estimated

Fair Value Snapshot

Bear Base Bull
$302
$328
$358
Current: $364.80 -10% vs base

Engine Room Money Flow™

Large Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$4.5B
13.9%%
Gross Profit
$3.6B
14.6%%
Operating Income (GAAP)
$2.0B
11.2%%
Operating Cash Flow
$1.5B
-22.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
78.6%
Excellent

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$782.8M
60.3% of FCF

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Corpay, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
94
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing CPAY's balance between Growth (34.1%), Profitability (46.5%), and Safety (19.5%). Growth 34% Safety 20% Profitability 46%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

62th percentile vs peers
62
Key Signals
Rev Growth YoY 13.9% 59p Def Rev Growth 1.49 93p Revenue CAGR 3Y 9.7% 51p EPS Growth YoY 7.8% 39p
Strengths
  • Def Rev Growth in top 20% of peers (1.49, 93th percentile)
  • Gross Profit Margin in top 20% of peers (78.6%, 83th percentile)
  • Rule of 40 in top 20% of peers (42.6%, 80th percentile)
  • FCF Margin in top 20% of peers (28.7%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

85th percentile vs peers
85
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
36
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Corpay, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$328.18
- - -
-10.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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