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Corpay (CPAY) Stock Analysis

This is a peer-relative look at Corpay (CPAY): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Corpay (CPAY)
Profile ItemCPAY
NameCorpay Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryFinancial Services
GICS Sub-IndustryTransaction & Payment Processing Services
Market Capitalization29.12 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateDecember 15, 2010
Security TypeCommon Stock

Price Performance

Cumulative Growth

CPAY
GSPC
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Corpay (CPAY) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Corpay (CPAY) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Corpay (CPAY) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
Total Return (1Y)65.09%1.90%
Total Return (3Y, Annualized)25.90%12.71%
Total Return (5Y, Annualized)13.34%2.81%

Risk Profile

Drawdown History

CPAY
GSPC
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Corpay (CPAY) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Corpay (CPAY) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
Volatility (1Y, Annualized)36.03%36.24%
Beta (5Y)0.871.04
Max Drawdown (5Y)-37.33%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. CPAY is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
Sharpe Ratio (1Y)1.69-0.09
Sortino Ratio (1Y)2.83-0.13

Profitability

ROE (TTM)

Corpay (CPAY) posts ROE of 32.21%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

CPAY

Financial Services industry group

32.21%

Group distribution
Max
44.78%
CPAY
32.21%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
CPAY
32.21%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
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Where Corpay (CPAY) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Corpay (CPAY) keeps 23.73% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

CPAY

Financial Services industry group

23.73%

Group distribution
Max
62.84%
Q3
28.05%
CPAY
23.73%
Median
15.36%
Q1
4.82%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
CPAY
23.73%
BRK.A
22.30%
BRK.B
22.30%
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Where Corpay (CPAY) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Corpay (CPAY) turns 49.15% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

CPAY

Financial Services industry group

49.15%

Group distribution
Max
107.33%
Q3
55.90%
CPAY
49.15%
Median
30.09%
Q1
14.60%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
CPAY
49.15%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
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Where Corpay (CPAY) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
ROE (TTM)32.21%12.91%
ROA (TTM)6.80%3.60%
Net Margin (TTM)23.73%15.36%
Operating Margin (TTM)49.15%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Corpay (CPAY) grew revenue 13.93%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Corpay (CPAY): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Corpay (CPAY) grew earnings per share 7.59%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Corpay (CPAY): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
Revenue Growth (YoY)13.93%9.46%
Revenue Growth (3Y CAGR)9.73%10.90%
EPS Growth (YoY)7.59%7.46%
EPS Growth (3Y CAGR)6.56%13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Corpay (CPAY) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Corpay (CPAY) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Corpay (CPAY) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

CPAY

Financial Services industry group

0.00%

Group distribution
Max
9.77%
Q3
3.92%
Median
1.09%
CPAY
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
V
0.66%
MA
0.53%
CPAY
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Corpay (CPAY) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Corpay (CPAY) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

CPAY

Financial Services industry group

0.00%

Group distribution
Max
241.07%
Q3
97.36%
Median
25.77%
CPAY
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.91%
GS
25.88%
V
21.75%
MA
17.63%
CPAY
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Corpay (CPAY) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
Dividend Yield (TTM)0.00%1.09%
Dividend Payout Ratio (TTM)0.00%25.77%

Valuation

P/E Ratio (TTM)

Corpay (CPAY) trades at P/E ratio of 25.02, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

CPAY

Financial Services industry group

25.02

Group distribution
Max
45.85
CPAY
25.02
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Largest peers
V
34.31
MA
34.15
CPAY
25.02
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
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Where Corpay (CPAY) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Corpay (CPAY) trades at 5.57 on P/S ratio, in the higher sales-valuation quartile. Investors are paying up for each dollar of revenue, so stronger margins, growth, or revenue quality need to carry that price.

CPAY

Financial Services industry group

5.57

Group distribution
Max
9.23
CPAY
5.57
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
CPAY
5.57
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
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Where Corpay (CPAY) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Corpay (CPAY) trades at 8.89 on P/B ratio, above the industry benchmark range. Investors are putting an unusually rich price on each dollar of book equity relative to peers.

CPAY

Financial Services industry group

8.89

Group distribution
CPAY
8.89
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
CPAY
8.89
MS
2.65
GS
2.36
BRK.A
1.72
BRK.B
0.00
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Where Corpay (CPAY) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Corpay (CPAY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CPAYIndustry group median
P/E Ratio (TTM)25.0215.37
P/S Ratio (TTM)5.572.72
P/B Ratio (MRQ)8.891.57
Free Cash Flow Yield (TTM)----