Corpay Inc (CPAY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Corpay Inc stock (CPAY) is currently trading at $291.83. Corpay Inc PE ratio is 19.54. Corpay Inc PS ratio (Price-to-Sales) is 4.54. Analyst consensus price target for CPAY is $385.85. WallStSmart rates CPAY as Moderate Buy.
- CPAY PE ratio analysis and historical PE chart
- CPAY PS ratio (Price-to-Sales) history and trend
- CPAY intrinsic value — DCF, Graham Number, EPV models
- CPAY stock price prediction 2025 2026 2027 2028 2029 2030
- CPAY fair value vs current price
- CPAY insider transactions and insider buying
- Is CPAY undervalued or overvalued?
- Corpay Inc financial analysis — revenue, earnings, cash flow
- CPAY Piotroski F-Score and Altman Z-Score
- CPAY analyst price target and Smart Rating
Corpay Inc
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CPAY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Corpay Inc (CPAY)
CPAY trades at a modest 9% premium above its Graham fair value of $318.85. Consider waiting for a pullback.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Corpay Inc (CPAY) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, return on equity. Concerns around price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Corpay Inc (CPAY) Key Strengths (7)
Growing significantly faster than its price suggests
Every $100 of shareholder equity generates $29 in profit
Keeps $57 of every $100 in revenue after operating costs
Keeps $24 of every $100 in revenue as net profit
97.36% of shares held by major funds and institutions
Large-cap company with substantial market presence
Strong revenue growth at 20.70% annually
Supporting Valuation Data
Corpay Inc (CPAY) Areas to Watch (3)
Very expensive at 5.0x book value
Premium valuation at 4.5x annual revenue
Modest earnings growth at 9.00%
Corpay Inc (CPAY) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.6/10) while 3 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Return on Equity, Operating Margin. Valuation metrics including PEG Ratio (0.74) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 29.10%, Operating Margin at 57.10%, Profit Margin at 23.60%. Growth metrics are encouraging with Revenue Growth at 20.70%.
The Bear Case
The primary concerns are Price/Book, Price/Sales, EPS Growth. Some valuation metrics including Price/Sales (4.54), Price/Book (5.04) suggest expensive pricing. Growth concerns include EPS Growth at 9.00%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 29.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 20.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Return on Equity makes a compelling case at current levels. The key risk is Price/Book, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CPAY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CPAY's Price-to-Sales ratio of 4.54x trades 41% below its historical average of 7.72x (7th percentile). The current valuation is 63% below its historical high of 12.38x set in Feb 2014, and 14% above its historical low of 3.98x in Sep 2022. Over the past 12 months, the PS ratio has compressed from ~6.2x as trailing revenue scaled faster than the stock price.
Compare CPAY with Competitors
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Data-driven financial summary for Corpay Inc (CPAY) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Corpay Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 4.5B with 21% growth year-over-year. Profit margins are strong at 23.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 29.1% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 23.6% and operating margin of 57.1% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Corpay Inc maintain 21%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Corpay Inc.
Bottom Line
Corpay Inc offers an attractive blend of growth (21% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 4:27:22 PM
About Corpay Inc(CPAY)
NYSE
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
Corpay Inc is a prominent provider of integrated payment solutions designed to streamline corporate payables and receivables for businesses across diverse sectors. Utilizing advanced technology and data-driven insights, Corpay empowers clients to enhance cash flow and operational efficiency through optimized payment processes. With a comprehensive suite of financial services and a commitment to customer service and regulatory compliance, Corpay serves as an essential partner for organizations seeking to successfully navigate the complexities of global commerce. Its innovative approach to payment automation positions the company as a key player in the evolving landscape of financial technology.