# Corpay Inc. (CPAY) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Technology / Software. Price $416.37, market value $27.3 billion.

## Valuation
- **P/E (trailing): 25.3×** (5-yr avg 20.6×, 3-yr avg 21.9×). Corpay Inc. trades at 25.3× trailing earnings, well above its own five-year average of 20.6×: investors are paying up relative to the company's past. The Technology median in the September 2026 study was 32.1×. Forward P/E is 13.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.74**. A PEG of 1.74 is in the range usually read as fairly priced for its growth.
- **Price / sales: 5.4×**. Each dollar of revenue is priced at 5.4×.
- **Price / book: 7.7×**. The shares trade at 7.7× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 14.5×**. Enterprise value is 14.5× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 6.0%** (5-yr avg 6.5%). Free cash flow equals 6.0% of the market value, in line with its five-year average of 6.5%. Above 5% is generally attractive.
- **Earnings yield: 4.0%**. The inverse of the P/E: 4.0% of the price is earned each year.

## Profitability
- **Operating margin: 43.7%**. 43.7% of revenue is left after running the business, an exceptional level.
- **Net margin: 23.6%**. 23.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 27.5%**. 27.5% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 11.7%**. Return on all capital, debt included, is 11.7%.
- **Return on assets: 4.3%**. Each dollar of assets produces 4.3% of profit.

## Growth
- **Revenue growth (1 yr): 13.9%** (3-yr 9.7%/yr, 5-yr 13.6%/yr). Revenue grew 13.9% over the last year, against 13.6% a year compounded over five years.
- **EPS growth (1 yr): 7.6%** (3-yr 6.6%/yr, 5-yr 13.1%/yr). Earnings per share rose 7.6%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 29.1%/yr**. Free cash flow has compounded at 29.1% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 3.44**. Debt is 3.44 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 4.1×**. It would take 4.1 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Corpay Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (14 analysts). 14 analysts cover Corpay Inc.; the consensus is buy, with an average price target of $454.57 (+9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 30.1%** (YTD 38.4%, 3-mo 19.8%). The shares are up 30.1% over twelve months including dividends.
- **From 52-week high: -2.6%** (64.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): 0.90** (volatility 37%). Beta of 0.90 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CPAY · Page: https://foliofundamentals.com/stocks/cpay

Not investment advice.