CORPAY, INC. · Business Services, NEC

CPAY

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The short version

A high-quality, profitable business with growing sales.

Going well

Sales up 22% in the latest quarter vs a year ago
Profitable every year for 10 years
Sales up 14% last year

Watch out for

High debt: 2.58x equity

Money moves

No insider buying or selling in the last 30 days
Institutions added 0.9% to their holdings in the quarter ending June 2026 (378 bought, 299 sold)
Held by Chase Coleman (Tiger Global), Ray Dalio (Bridgewater)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$399.77-2.1% that day

Company value: $26.2B; Share price times all shares
Price vs profit (P/E): 24.3x; You pay about $24 for each $1 of yearly profit
Price vs sales: 5.2x; Company value is 5.2 times a year of sales
Cash vs value: 12%; Cash as a share of company value
Debt vs value: 38%; Debt as a share of company value

From CPAY's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$1.3B+21% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $5.0B, up 20% from the 12 months before. Over 5 years, sales grew about 14% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of CPAY. Starting points are the company's recent numbers.

Sales growth+20% a yearRecently: +20% a yearProfit margin23%Last 12 months: 22.7%P/E at the end24xToday: 24.3x. Many steady companies trade at 12x to 25xShare count change-3% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$12.5B

Profit in 5 years$2.9B

Price these guesses point to$1,223.03+206% vs $399.77 todayAbout +25% a year, before dividends

What today's price needs: with a 23% margin and a 24x P/E, sales could shrink about 4.0% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

5/6Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.30.5%
MissDebt under half of equityNot relying on borrowed money.2.58x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.23.6%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$1.3B
PassShare count not growingNot diluting owners. Falling means buybacks.-7.6% in 3 years

Revenue: $4.5B; +13.9% vs prior year
5-year growth: +13.6%/yr; revenue, per year
Total debt: $10.0B; 2.58x equity
Current ratio: 0.98x; short-term assets / bills due

From annual reports filed with the SEC. Not in this company's SEC data, so not scored: gross margin 40%+. A checklist is a starting point for research, not a verdict.