Corpay Inc (CPAY) Stock Analysis
Verdict: HOLD
Corpay expands B2B/vehicle payments with 40%+ operating margins, but high leverage ($10.1B debt) and insider selling cap upside.
Investment score: 61/100
Analysis as of
Is Corpay Inc stock worth reviewing? The TradeMates thesis
Corpay demonstrates strong core profitability and B2B growth, but CEO share liquidations and high debt leverage justify a neutral HOLD rating.
7-factor investment score
- Valuation: 58/100 (weight 20%)
- Financial Health: 68/100 (weight 15%)
- Technical Momentum: 72/100 (weight 15%)
- Earnings Quality: 65/100 (weight 15%)
- Insider Sentiment: 15/100 (weight 10%)
- Analyst Consensus: 80/100 (weight 10%)
- Risk-Adjusted Return: 60/100 (weight 15%)
Corpay Inc opportunities and risks
What speaks for CPAY
- B2B & Cross-Border Expansion Runway
What speaks against CPAY
- Aggressive Executive Insider Selling
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| CPAY | 24.3x | 5.3x | 13.9x | 73.3% | 22.7% | 6.2% |
| V | 31.3x | 15.5x | 24.0x | 80.2% | 50.8% | 3.1% |
| MA | 31.0x | 14.1x | 23.0x | 100.0% | 46.3% | 3.3% |
| XYZ | 134.5x | 1.8x | 38.3x | 46.4% | 1.4% | 10.6% |
| PYPL | 10.0x | 1.3x | 6.9x | 45.8% | 14.4% | 14.5% |
| FISV | 9.4x | 1.3x | 7.8x | 47.2% | 13.4% | 15.0% |
| Peer median | 31.0x | 1.8x | 23.0x | 47.2% | 14.4% | 10.6% |
Frequently asked questions about Corpay Inc (CPAY)
Is CPAY stock a good investment?
The TradeMates model rates Corpay Inc as HOLD with an investment score of 61/100. Corpay demonstrates strong core profitability and B2B growth, but CEO share liquidations and high debt leverage justify a neutral HOLD rating. This is algorithmic model output, not personal investment advice.
Is CPAY stock a buy?
The TradeMates model verdict for CPAY is HOLD with an investment score of 61/100. Treat this as a model signal to review, not a personal buy recommendation.