CPAY
VENTE TOTALE: 226 160 titres (~93 070 973,42 $ US)
- Insiders
- Clarke Ronald, Stull Steven T, Farrelly Joseph W
- Total bought
- —
- Total sold
- $93,070,973
- Last activity
- 2026-08-25
- Last synced
-
2026-08-31 10:14:36
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-28
CPAY presents a weak composite profile: low liquidity (40) and deteriorating fundamental trends (45) signal structural fragility, with a current ratio below 1.0, high leverage, and compressing margins.
The first sentence of the analysis written for CPAY on 2026-08-28 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.9% | 78.1% | 78.2% | 77.7% | 80.2% | |
| Ebit Margin | 43.0% | 44.5% | 44.5% | 42.0% | 43.1% | |
| Ebitda Margin | 51.6% | 53.3% | 53.5% | 51.4% | 53.2% | |
| Operating Profit Margin | 43.1% | 45.0% | 44.1% | 42.2% | 43.8% | |
| Pretax Profit Margin | 34.0% | 34.8% | 35.3% | 37.2% | 39.1% | |
| Continuous Operations Profit Margin | 23.7% | 25.3% | 26.1% | 27.8% | 29.6% | |
| Net Profit Margin | 23.6% | 25.3% | 26.1% | 27.8% | 29.6% | |
| Bottom Line Profit Margin | 23.6% | 25.3% | 26.1% | 27.8% | 29.6% | |
| Current Ratio | 0.976 | 0.996 | 1.038 | 1.010 | 1.037 | |
| Quick Ratio | 0.976 | 0.996 | 1.038 | 1.010 | 1.037 | |
| Solvency Ratio | 0.066 | 0.091 | 0.108 | 0.111 | 0.107 | |
| Cash Ratio | 0.629 | 0.178 | 0.204 | 0.237 | 0.287 | |
| Price To Earnings Ratio | 19.733 | 23.715 | 20.981 | 14.555 | 21.881 | |
| Price To Earnings Growth Ratio | 2.873 | 3.744 | 3.310 | 0.623 | 0.991 | |
| Forward Price To Earnings Growth Ratio | 2.873 | 3.744 | 3.310 | 0.623 | 0.991 | |
| Price To Earnings Diluted Ratio | 20.022 | 24.225 | 21.330 | 14.789 | 22.406 | |
| Price To Earnings Diluted Growth Ratio | 2.639 | 4.153 | 3.396 | 0.608 | 0.973 | |
| Price To Book Ratio | 5.434 | 7.623 | 6.275 | 5.464 | 6.408 | |
| Price To Sales Ratio | 4.661 | 5.988 | 5.481 | 4.052 | 6.482 | |
| Price To Free Cash Flow Ratio | 16.246 | 13.482 | 10.577 | 23.014 | 16.921 | |
| Price To Operating Cash Flow Ratio | 14.072 | 12.265 | 9.803 | 18.397 | 15.344 | |
| Debt To Assets Ratio | 0.383 | 0.445 | 0.434 | 0.499 | 0.446 | |
| Debt To Equity Ratio | 2.605 | 2.561 | 2.048 | 2.769 | 2.085 | |
| Debt To Capital Ratio | 0.723 | 0.719 | 0.672 | 0.735 | 0.676 | |
| Long Term Debt To Capital Ratio | 0.632 | 0.626 | 0.583 | 0.650 | 0.609 | |
| Financial Leverage Ratio | 6.799 | 5.751 | 4.715 | 5.544 | 4.676 | |
| Working Capital Turnover Ratio | -24.046 | 35.096 | 23.397 | 26.323 | 30.519 | |
| Operating Cash Flow Ratio | 0.105 | 0.223 | 0.308 | 0.125 | 0.226 | |
| Operating Cash Flow Sales Ratio | 0.331 | 0.488 | 0.559 | 0.220 | 0.422 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.866 | 0.910 | 0.927 | 0.799 | 0.907 | |
| Debt Service Coverage Ratio | 0.495 | 0.551 | 0.673 | 0.581 | 0.759 | |
| Interest Coverage Ratio | 4.833 | 4.666 | 4.753 | 8.786 | 10.928 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.444 | 0.701 | 0.988 | 0.326 | 0.789 | |
| Operating Cash Flow Coverage Ratio | 0.148 | 0.243 | 0.313 | 0.107 | 0.200 | |
| Capital Expenditure Coverage Ratio | 7.471 | 11.078 | 13.660 | 4.985 | 10.733 | |
| Dividend Paid And Capex Coverage Ratio | 7.471 | 11.078 | 13.660 | 4.985 | 10.733 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 9.505 | 14.271 | 12.899 | 11.056 | 15.150 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.9% | ▼-8.2% | ▼-6.9% |
| Ebit Margin | 43.0% | ▼-1.5% | ▼-0.5% |
| Ebitda Margin | 51.6% | ▼-1.7% | ▼-1.0% |
| Operating Profit Margin | 43.1% | ▼-1.9% | ▼-0.5% |
| Pretax Profit Margin | 34.0% | ▼-0.8% | ▼-2.1% |
| Continuous Operations Profit Margin | 23.7% | ▼-1.6% | ▼-2.8% |
| Net Profit Margin | 23.6% | ▼-1.6% | ▼-2.9% |
| Bottom Line Profit Margin | 23.6% | ▼-1.6% | ▼-2.9% |
| Current Ratio | 0.976 | ▼-0.020 | ▼-0.036 |
| Quick Ratio | 0.976 | ▼-0.020 | ▼-0.036 |
| Solvency Ratio | 0.066 | ▼-0.025 | ▼-0.031 |
| Cash Ratio | 0.629 | ▲0.451 | ▲0.322 |
| Price To Earnings Ratio | 19.733 | ▼-3.982 | ▼-0.440 |
| Price To Earnings Growth Ratio | 2.873 | ▼-0.871 | ▲0.565 |
| Forward Price To Earnings Growth Ratio | 2.873 | ▼-0.871 | ▲0.565 |
| Price To Earnings Diluted Ratio | 20.022 | ▼-4.203 | ▼-0.532 |
| Price To Earnings Diluted Growth Ratio | 2.639 | ▼-1.514 | ▲0.285 |
| Price To Book Ratio | 5.434 | ▼-2.189 | ▼-0.806 |
| Price To Sales Ratio | 4.661 | ▼-1.327 | ▼-0.672 |
| Price To Free Cash Flow Ratio | 16.246 | ▲2.764 | ▲0.198 |
| Price To Operating Cash Flow Ratio | 14.072 | ▲1.807 | ▲0.096 |
| Debt To Assets Ratio | 0.383 | ▼-0.062 | ▼-0.059 |
| Debt To Equity Ratio | 2.605 | ▲0.044 | ▲0.191 |
| Debt To Capital Ratio | 0.723 | ▲0.003 | ▲0.018 |
| Long Term Debt To Capital Ratio | 0.631 | ▲0.005 | ▲0.012 |
| Financial Leverage Ratio | 6.799 | ▲1.048 | ▲1.302 |
| Working Capital Turnover Ratio | -24.046 | ▼-59.142 | ▼-42.303 |
| Operating Cash Flow Ratio | 0.105 | ▼-0.118 | ▼-0.092 |
| Operating Cash Flow Sales Ratio | 0.331 | ▼-0.157 | ▼-0.073 |
| Free Cash Flow Operating Cash Flow Ratio | 0.866 | ▼-0.044 | ▼-0.016 |
| Debt Service Coverage Ratio | 0.495 | ▼-0.057 | ▼-0.117 |
| Interest Coverage Ratio | 4.833 | ▲0.167 | ▼-1.960 |
| Short Term Operating Cash Flow Coverage Ratio | 0.444 | ▼-0.256 | ▼-0.205 |
| Operating Cash Flow Coverage Ratio | 0.148 | ▼-0.094 | ▼-0.054 |
| Capital Expenditure Coverage Ratio | 7.471 | ▼-3.607 | ▼-2.114 |
| Dividend Paid And Capex Coverage Ratio | 7.471 | ▼-3.607 | ▼-2.114 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 9.505 | ▼-4.766 | ▼-3.071 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $21.11B | $23.80B | $20.60B | $13.89B | $18.37B | |
| Enterprise value | $22.23B | $30.24B | $25.93B | $19.49B | $22.83B | |
| EV / Sales | 4.91x | 7.61x | 6.90x | 5.69x | 8.05x | |
| EV / Op. cash flow | 14.82x | 15.59x | 12.34x | 25.82x | 19.07x | |
| EV / Free cash flow | 17.11x | 17.13x | 13.32x | 32.30x | 21.03x | |
| EV / EBITDA | 9.51x | 14.27x | 12.90x | 11.06x | 15.15x | |
| Net debt / EBITDA | 0.48x | 3.04x | 2.65x | 3.18x | 2.96x | |
| Current ratio | 0.98x | 1.00x | 1.04x | 1.01x | 1.04x | |
| Income quality | 1.40x | 1.93x | 2.14x | 0.79x | 1.43x | |
| Graham number | $138 | $119 | $116 | $98 | $90 | |
| Graham net-net | -$145 | -$166 | -$126 | -$113 | -$94 | |
| Tax burden | 69.4% | 72.5% | 74.1% | 74.8% | 75.7% | |
| Interest burden | 79.2% | 78.3% | 79.2% | 88.6% | 90.7% | |
| Working capital | -$344.6M | -$32.0M | $258.5M | $62.7M | $197.7M | |
| Invested capital | $11.03B | $8.74B | $8.33B | $7.69B | $7.85B | |
| Return on assets | 4.1% | 5.6% | 6.3% | 6.8% | 6.3% | |
| Operating ROA | 8.8% | 10.7% | 11.2% | 10.5% | 10.1% | |
| Return on tangible assets | 6.9% | 10.5% | 12.7% | 14.1% | 14.0% | |
| Return on equity | 27.5% | 32.1% | 29.9% | 37.5% | 29.3% | |
| Return on invested capital | 8.8% | 10.8% | 11.4% | 10.4% | 9.8% | |
| Return on capital employed | 16.1% | 19.3% | 19.2% | 18.0% | 15.3% | |
| Earnings yield | 5.1% | 4.2% | 4.8% | 6.9% | 4.6% | |
| Free cash flow yield | 6.2% | 7.4% | 9.5% | 4.3% | 5.9% | |
| Capex / Op. cash flow | 13.4% | 9.0% | 7.3% | 20.1% | 9.3% | |
| Capex / Depreciation | 51.0% | 49.9% | 45.7% | 47.0% | 39.2% | |
| Capex / Sales | 4.4% | 4.4% | 4.1% | 4.4% | 3.9% | |
| SG&A / Sales | 26.8% | 25.1% | 25.1% | 26.1% | 26.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 2.3% | 2.9% | 3.1% | 3.5% | 2.8% | |
| Intangibles / Total assets | 40.9% | 46.8% | 50.0% | 52.0% | 55.3% | |
| Days sales outstanding | 322d | 192d | 210d | 220d | 231d | |
| Days payables outstanding | 419d | 660d | 723d | 749d | 917d | |
| Operating cycle | 322d | 192d | 210d | 220d | 231d | |
| Cash conversion cycle | -97d | -468d | -513d | -529d | -686d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-11.3%EV / Sales ▼-35.5%EV / EBITDA ▼-33.4%EV / Op. cash flow ▼-0.764Earnings yield ▲+0.009Graham number ▲+18.460
Profitability
Return on equity ▼-0.046Return on assets ▼-0.015Return on invested capital ▼-0.020Return on capital employed ▼-0.032Operating ROA ▼-0.019Income quality ▼-0.534Tax burden ▼-0.031
Efficiency
Days sales outstanding ▲+129.946Days payables outstanding ▼-240.418Operating cycle ▲+129.946Cash conversion cycle ▲+370.364Capex / Sales +0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.020Net debt / EBITDA ▼-2.559Working capital ▼-312625000.000Invested capital ▲+2289063000.000Intangibles / Total assets ▼-0.058
Change over 5 years
Valuation
Market cap ▲+14.9%EV / Sales ▼-39.1%EV / EBITDA ▼-37.3%EV / Op. cash flow ▼-4.247Earnings yield ▲+0.005Graham number ▲+48.187
Profitability
Return on equity ▼-0.017Return on assets ▼-0.022Return on invested capital ▼-0.010Return on capital employed ▲+0.008Operating ROA ▼-0.013Income quality ▼-0.027Tax burden ▼-0.063
Efficiency
Days sales outstanding ▲+90.941Days payables outstanding ▼-497.802Operating cycle ▲+90.941Cash conversion cycle ▲+588.744Capex / Sales ▲+0.005R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.061Net debt / EBITDA ▼-2.478Working capital ▼-542334000.000Invested capital ▲+3181511000.000Intangibles / Total assets ▼-0.144
Employee count
Peer market caps
Congressional trades
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-09-29 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2025-09-05 | Ro Khanna | Sale | $1,001 - $15,000 |
Recent news
- 2026-08-30 Corpay Sees Growth Momentum Extending as Corporate Payments Takes Center Stage Corpay NYSE: CPAY CFO Peter Walker said the company expects its growth momentum to continue through the second half of the year, citing strong customer activity, sales and retention across its businesses.
- 2026-08-28 Why Corpay (CPAY) is a Top Momentum Stock for the Long-Term Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
- 2026-08-27 Corpay, Inc. (CPAY) Presents at Deutsche Bank 2026 Technology Conference Transcript Corpay, Inc. (CPAY) Presents at Deutsche Bank 2026 Technology Conference Transcript
- 2026-08-24 Corpay to Participate in Upcoming Investor Conferences Corpay, Inc., (NYSE: CPAY), the corporate payments company, today announced that the Company will participate in the following investor conferences:On Thursday,
- 2026-08-24 Corpay to Participate in Upcoming Investor Conferences ATLANTA--(BUSINESS WIRE)--Corpay, Inc., (NYSE: CPAY), the corporate payments company, today announced that the Company will participate in the following investor conferences: On Thursday, August 27, 2026, the Company will be attending the 2026 Deutsche Bank Technology Conference in Dana Point, CA. Management will participate in a fireside chat beginning at 3:20 pm PT. On Tuesday, September 15, 2026, the Company will be attending the Oppenheimer Fintech Leaders Conference in New York, NY. On Tue.
- 2026-08-23 Corpay''s Corporate Payments Push Could Unlock Its Next Growth Phase Corpay is rated BUY after strong 2Q26 results and raised full-year guidance, with robust earnings and revenue growth. CPAY is shifting focus from vehicle to corporate payments, targeting a $560 billion TAM with less than 1% current share. 2Q26 revenue rose 21% to $1.34B, adjusted EBITDA margin expanded to 57.3%, and free cash flow hit $1.6B TTM.
- 2026-08-19 Corpay Cross-Border Named the Official FX Partner of European T20 Premier League TORONTO--(BUSINESS WIRE)--Corpay, Inc.*, (NYSE: CPAY) a global leader in corporate payments, is pleased to announce that Corpay''s Cross-Border business has entered into an agreement with the European T20 Premier League (“ETPL”), a new franchise-based tournament sanctioned by the International Cricket Council, created to establish Europe as a dynamic force in the global T20 landscape. Under the agreement, Corpay becomes EPTL''s exclusive and Official Foreign Exchange (FX) Partner, along with bein.
- 2026-08-18 Here''s Why You Should Retain Corpay Stock in Your Portfolio Now CPAY''s 10.4% one-month gain comes as Corporate Payments, Vehicle growth and acquisitions support expansion, though costs and liquidity remain risks.
- 2026-08-14 Corpay Q2 Earnings Call Highlights Volatus Aerospace outlined plans to expand its drone manufacturing, cargo delivery, wildfire-response and defense capabilities, while acknowledging that supply-chain constraints and delays in government procurement have affected the timing of some revenue and contract deliveries.
- 2026-08-14 Corpay Stock Gains 25% in 6 Months: Here''s What You Should Know CPAY''s six-month jump of 25% reflects stronger 2026 guidance, robust organic growth, margin expansion and consistent share repurchases.