Is CPAY a good stock to buy right now?

Based on our 6-factor quantitative model, CORPAY, INC. (CPAY) receives a "Hold" rating with a composite score of 47.8/100. It is ranked #1,632 out of 4,446 stocks. Key factor scores: Quality 50/100, Value 66/100, Momentum 38/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for CPAY?

CORPAY, INC. (CPAY) has a "Hold" rating and 3-star score. The composite score of 47.8 ranks it #1,632 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is CPAY in?

CORPAY, INC. operates in the Industrials sector (Business Services industry) with a market cap of $19.71 billion. It is classified as a large-cap stock.

Does CPAY pay a dividend?

CPAY does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is CPAY's P/E ratio?

CPAY has a trailing P/E ratio of 18.63x. The Industrials sector average is 28.3x. This P/E is in a moderate range relative to the broader market.

How profitable is CPAY?

CPAY's quality factor score is 50/100. Gross margin: 78.8%. ROE: 27.6% vs sector average 8.9%. High margins suggest pricing power and competitive moats.

How is CPAY valued compared to peers?

CPAY's value factor score is 66/100 (higher = cheaper). Key multiples: P/E 18.6x, EV/EBITDA 13.3x. The stock appears attractively valued versus peers.

What is CPAY's debt level?

CPAY's debt-to-equity ratio is 255%. Sector average: 70%. Elevated leverage increases credit risk.

CPAY has a beta of 1.13, meaning it tracks the market. Stability score: 57/100.

Does CPAY have high short interest?

CPAY's short interest factor score is 50/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

CPAY Stock Analysis: Hold (Score 47.8/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
CPAY	-1.22%	+3.24%	-7.98%	+0.63%	+1.03%	-	-	-
Industry Proxy XLI	-0.39%	+4.73%	+0.88%	+10.57%	+38.89%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.15%	-0.37%	-8.31%	+0.99%	-28.49%	-	-	-
Alpha vs Sector	-0.83%	-1.50%	-8.86%	-9.94%	-37.86%	-	-	-

Metric	CPAY	Benchmark
P/E Ratio	18.6x	-34%
EV/EBITDA	13.3x	+134%
Price / Book	5.1x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
STNG Scorpio Tankers Inc.	64	43	96	73	-	93.3%	63.1%	53.8%	-	30.0x	$3.8B	VS
TNK TEEKAY TANKERS LTD.	62	50	97	71	6.4x	91.9%	67.0%	32.8%	-	0.0x	$2.5B	VS
TEN TSAKOS ENERGY NAVIGATION LTD	61	50	86	75	7.6x	42.1%	97.8%	22.6%	-	103.0x	$1.2B	VS
HAFN Hafnia Ltd	60	42	79	77	-	439.1%	48.5%	27.0%	-	0.0x	$3.8B	VS
TPH Tri Pointe Homes, Inc.	57	50	67	66	13.6x	8.8%	47.5%	7.9%	-26.0%	50.0x	$4.0B	VS
GLDD Great Lakes Dredge & Dock CORP	57	50	69	70	16.3x	13.5%	22.2%	8.1%	14.8%	73.0x	$1.1B	VS
SOBO South Bow Corp	57	39	79	66	22.0x	48.4%	82.3%	14.9%	-	219.0x	$6.8B	VS
IMPP Imperial Petroleum Inc./Marshall Islands	54	44	98	58	2.8x	47.7%	100.0%	34.0%	-19.7%	0.0x	$156M	VS
CCO Clear Channel Outdoor Holdings, Inc.	52	48	58	69	59.3x	-	53.4%	-0.3%	7.7%	-	$1.2B	VS
IMXI International Money Express, Inc.	52	50	73	52	11.6x	25.5%	0.0%	6.4%	-9.7%	221.0x	$476M	VS
CPAY CORPAY, INC.	48	50	66	38	18.6x	27.6%	78.8%	25.2%	20.2%	255.0x	$19.7B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	-	-	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	0.7%
Operating Margin %	0.4%	0.4%	0.4%	0.4%	0.4%	0.4%	0.4%	0.5%	0.4%	0.4%	0.4%
EBITDA Margin %	0.5%	0.5%	0.5%	0.5%	0.5%	0.5%	0.5%	0.6%	0.6%	0.6%	0.5%
Net Margin %	0.3%	0.2%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.2%
FCF Margin %	-	-	44.4%	51.8%	17.6%	38.3%	58.4%	41.0%	33.8%	26.9%	35.3%
ROE %	0.3%	0.3%	0.3%	0.3%	0.4%	0.3%	0.2%	0.2%	0.2%	0.2%	0.1%
ROA %	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%
ROIC %	0.1%	11.3%	14.8%	15.2%	14.0%	13.4%	11.4%	13.0%	12.1%	9.6%	9.2%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.8%

0.7%

Operating Margin %

0.4%

0.5%

0.4%

EBITDA Margin %

0.5%

0.6%

0.5%

Net Margin %

0.3%

0.2%

0.3%

0.2%

FCF Margin %

44.4%

51.8%

17.6%

38.3%

58.4%

41.0%

33.8%

26.9%

35.3%

ROE %

0.3%

0.4%

0.3%

0.2%

0.1%

ROA %

0.0%

0.1%

0.0%

ROIC %

0.1%

11.3%

14.8%

15.2%

14.0%

13.4%

11.4%

13.0%

12.1%

9.6%

9.2%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$4.3B	$4.5B	$4.0B	$3.8B	$3.4B	$2.8B	$2.4B	$2.6B	$2.4B	$2.2B	$1.8B	$1.7B
	—	—	$3.1B	$2.9B	$2.7B	$2.3B	$1.8B	$2.1B	$1.9B	$1.7B	$1.4B	$1.3B
Gross Margin	---	---	78.1%	78.2%	77.7%	80.2%	75.0%	80.0%	80.0%	75.9%	74.9%	80.6%
	—	$393M	$359M	$344M	$330M	$291M	$261M	$279M	$280M	$272M	$211M	$201M
Total Operating Expenses	—	$2.5B	—	—	—	—	—	—	—	—	—	—
	$1.9B	$2.0B	$1.8B	$1.7B	$1.4B	$1.2B	$972M	$1.2B	$1.1B	$884M	$754M	$668M
EBIT	$1.9B	$2.0B	$1.8B	$1.7B	$1.4B	$1.2B	$972M	$1.2B	$1.1B	$884M	$754M	$668M
EBITDA	$2.3B	$2.4B	$2.1B	$2.0B	$1.8B	$1.5B	$1.2B	$1.5B	$1.5B	$1.3B	$962M	$866M
Operating Margin	44.0%	44.0%	45.0%	44.1%	42.2%	43.9%	40.7%	46.5%	44.8%	39.3%	41.2%	39.2%
EBITDA Margin	52.5%	52.7%	53.7%	53.7%	51.8%	54.0%	52.1%	57.0%	62.6%	59.1%	52.5%	50.8%
	—	—	$388M	$349M	$167M	$130M	$130M	$150M	$141M	$110M	$72M	$71M
	—	$1.5B	—	—	—	—	—	—	—	—	—	—
Income Tax Expense	—	$470M	$381M	$343M	$321M	$269M	$178M	$183M	$284M	$153M	$191M	$174M
	$1.1B	$1.1B	$1.0B	$982M	$954M	$839M	$704M	$895M	$811M	$740M	$452M	$362M
Net Margin	25.2%	23.7%	25.3%	26.1%	27.9%	29.6%	29.5%	33.8%	33.4%	32.9%	24.7%	21.3%
	$15.23	$15.23	$14.27	$13.42	$12.62	$10.23	$8.38	$10.36	$9.14	$8.12	$4.89	$3.94
Diluted EPS	$15.23	$15.03	$14.27	$13.42	$12.62	$10.23	$8.38	$10.36	$9.14	$8.12	$4.89	$3.94
Weighted Avg Basic	—	70M	—	—	—	—	—	—	—	—	—	—
Weighted Avg Diluted	—	71M	—	—	—	—	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$4.3B

$4.5B

$4.0B

$3.8B

$3.4B

$2.8B

$2.4B

$2.6B

$2.4B

$2.2B

$1.8B

$1.7B

—

$3.1B

$2.9B

$2.7B

$2.3B

$1.8B

$2.1B

$1.9B

$1.7B

$1.4B

$1.3B

Gross Margin

---

78.1%

78.2%

77.7%

80.2%

75.0%

80.0%

75.9%

74.9%

80.6%

—

$393M

$359M

$344M

$330M

$291M

$261M

$279M

$280M

$272M

$211M

$201M

Total Operating Expenses

—

$2.5B

—

$1.9B

$2.0B

$1.8B

$1.7B

$1.4B

$1.2B

$972M

$1.2B

$1.1B

$884M

$754M

$668M

EBIT

$1.9B

$2.0B

$1.8B

$1.7B

$1.4B

$1.2B

$972M

$1.2B

$1.1B

$884M

$754M

$668M

EBITDA

$2.3B

$2.4B

$2.1B

$2.0B

$1.8B

$1.5B

$1.2B

$1.5B

$1.3B

$962M

$866M

Operating Margin

44.0%

45.0%

44.1%

42.2%

43.9%

40.7%

46.5%

44.8%

39.3%

41.2%

39.2%

EBITDA Margin

52.5%

52.7%

53.7%

51.8%

54.0%

52.1%

57.0%

62.6%

59.1%

52.5%

50.8%

—

$388M

$349M

$167M

$130M

$150M

$141M

$110M

$72M

$71M

—

$1.5B

—

Income Tax Expense

—

$470M

$381M

$343M

$321M

$269M

$178M

$183M

$284M

$153M

$191M

$174M

$1.1B

$1.0B

$982M

$954M

$839M

$704M

$895M

$811M

$740M

$452M

$362M

Net Margin

25.2%

23.7%

25.3%

26.1%

27.9%

29.6%

29.5%

33.8%

33.4%

32.9%

24.7%

21.3%

$15.23

$14.27

$13.42

$12.62

$10.23

$8.38

$10.36

$9.14

$8.12

$4.89

$3.94

Diluted EPS

$15.23

$15.03

$14.27

$13.42

$12.62

$10.23

$8.38

$10.36

$9.14

$8.12

$4.89

$3.94

Weighted Avg Basic

—

70M

—

Weighted Avg Diluted

—

71M

—

CORPAY, INC. (CPAY) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does CORPAY, INC. Do?

Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable automation; virtual cards, cross-border solutions; and purchasing and travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia. CORPAY, INC. (CPAY) is classified as a large-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO Ronald F. Clarke and employs approximately 10,500 people, headquartered in Wilmington, Georgia. With a market capitalization of $19.7B, CPAY is one of the prominent companies in the Industrials sector.

CORPAY, INC. (CPAY) Stock Rating — Hold (April 2026)

As of April 2026, CORPAY, INC. receives a Hold rating with a composite score of 47.8/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.CPAY ranks #1,632 out of 4,446 stocks in our coverage universe. Within the Industrials sector, CORPAY, INC. ranks #253 of 752 stocks, placing it in the upper half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CPAY Stock Price and 52-Week Range

CORPAY, INC. (CPAY) currently trades at $302.83. The stock lost $3.74 (1.2%) in the most recent trading session. The 52-week high for CPAY is $361.99, which means the stock is currently trading -16.3% from its annual peak. The 52-week low is $252.84, putting the stock 19.8% above its annual trough. Recent trading volume was 383K shares, suggesting relatively thin trading activity.

Is CPAY Overvalued or Undervalued? — Valuation Analysis

CORPAY, INC. (CPAY) carries a value factor score of 66/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 18.63x, compared to the Industrials sector average of 28.33x — a discount of 34%. The price-to-book ratio stands at 5.14x, versus the sector average of 2.23x. The price-to-sales ratio is 4.68x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, CPAY trades at 13.33x EV/EBITDA, versus 5.70x for the sector.

Overall, CPAY's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

CORPAY, INC. Profitability — ROE, Margins, and Quality Score

CORPAY, INC. (CPAY) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 27.6%, compared to the Industrials sector average of 8.9%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 4.1% versus the sector average of 3.3%.

On a margin basis, CORPAY, INC. reports gross margins of 78.8%, compared to 35.8% for the sector. The operating margin is 44.0% (sector: 6.2%). Net profit margin stands at 25.2%, versus 3.9% for the average Industrials stock. Revenue growth is running at 20.2% on a trailing basis, compared to 6.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

CPAY Debt, Balance Sheet, and Financial Health

CORPAY, INC. has a debt-to-equity ratio of 255.0%, compared to the Industrials sector average of 70.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 0.98x, which may signal near-term liquidity tightness. Total debt on the balance sheet is $10.00B. Cash and equivalents stand at $2.01B.

CPAY has a beta of 1.13, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for CORPAY, INC. is 57/100, reflecting average volatility within the normal range for its sector.

CORPAY, INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, CORPAY, INC. reported revenue of $4.31B and earnings per share (EPS) of $15.23. Net income for the quarter was $1.08B. Operating income came in at $1.90B.

In FY 2025, CORPAY, INC. reported revenue of $4.53B and earnings per share (EPS) of $15.23. Net income for the quarter was $1.07B. Revenue grew 13.9% year-over-year compared to FY 2024. Operating income came in at $1.99B.

In Q3 2025, CORPAY, INC. reported revenue of $1.17B and earnings per share (EPS) of $3.95. Net income for the quarter was $278M. Revenue grew 13.9% year-over-year compared to Q3 2024. Operating income came in at $523M.

In Q2 2025, CORPAY, INC. reported revenue of $1.10B and earnings per share (EPS) of $4.03. Net income for the quarter was $284M. Revenue grew 12.9% year-over-year compared to Q2 2024. Operating income came in at $479M.

Over the past 8 quarters, CORPAY, INC. has demonstrated a growth trajectory, with revenue expanding from $976M to $4.31B. Investors analyzing CPAY stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CPAY Dividend Yield and Income Analysis

CORPAY, INC. (CPAY) does not currently pay a dividend. This is common among growth-oriented companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.

CPAY Momentum and Technical Analysis Profile

CORPAY, INC. (CPAY) has a momentum factor score of 38/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 26/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 50/100 reflects moderate short selling activity.

CPAY vs Competitors — Industrials Sector Ranking and Peer Comparison

Within the Industrials sector, CORPAY, INC. (CPAY) ranks #253 out of 752 stocks based on the Blank Capital composite score. This places CPAY in the upper half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.

Comparing CPAY against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CPAY vs S&P 500 (SPY) comparison to assess how CORPAY, INC. stacks up against the broader market across all factor dimensions.

CPAY Next Earnings Date

No upcoming earnings date has been announced for CORPAY, INC. (CPAY) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CPAY? — Investment Thesis Summary

CORPAY, INC. presents a balanced picture with arguments on both sides. The value score of 66/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 38/100, a headwind for near-term performance.

In summary, CORPAY, INC. (CPAY) earns a Hold rating with a composite score of 47.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CPAY stock.

Related Resources for CPAY Investors

Explore more research and tools: CPAY vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CPAY head-to-head with peers: CPAY vs SOBO, CPAY vs TEN, CPAY vs GLDD.

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CORPAY, INC. (CPAY) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does CORPAY, INC. Do?

CORPAY, INC. (CPAY) Stock Rating — Hold (April 2026)

CPAY Stock Price and 52-Week Range

Is CPAY Overvalued or Undervalued? — Valuation Analysis

CORPAY, INC. Profitability — ROE, Margins, and Quality Score

CPAY Debt, Balance Sheet, and Financial Health

CORPAY, INC. Revenue and Earnings History — Quarterly Trend

CPAY Dividend Yield and Income Analysis

CPAY Momentum and Technical Analysis Profile

CPAY vs Competitors — Industrials Sector Ranking and Peer Comparison

CPAY Next Earnings Date

Should You Buy CPAY? — Investment Thesis Summary

Related Resources for CPAY Investors

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