Corpay Inc (CPAY) Fair Value & Analysis
Technology · US · Market cap $23.1B · ISIN US2199481068
What is Corpay Inc really worth?
Corpay Inc
CPAY · US
A solid business, but trading 97% above our fair value of $212.78.
Strengths
Risks
Fair value as of: Aug 13, 2026
From 11 valuation models · updated 22 days ago
Share price +5.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The model range is unusually wide ($159.59 to $501.70). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $164.00 – $425.24 · fair‑value band $159.59 – $501.70 · the $419.68 price screens above the $212.78 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Corpay Inc (CPAY) currently trades at $419.68, while our model-based Fair Value estimate is $212.78, implying the stock looks roughly 97.2% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Technology sector. Bull case: the DCF Models group reads highest at a median of $349.54 per share, and 3 of the 11 models we run sit above the $419.68 price. Bear case: the Asset-Based group reads lowest at $39.81, and 8 of the 11 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Corpay Inc generated revenue of $4.8B at a net margin of 24.6%. Revenue grew 25.4% year over year. It earns a return on equity of 32.1%. Net debt stands at $1.1B. Fundamentals as of Aug 13, 2026
Our scenario range runs from $159.59 (bear case) to $501.70 (bull case); at $419.68, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 66% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at −32% fair-value upside, at −49%, CPAY screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $11.35 per share, which is 5.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 11 models by family
Widest divergence: DCF Models ($349.54) versus Asset-Based ($39.81). Highest evidence: Growth DCF (77).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 70 · Market factors (momentum, volatility) 71
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Corpay, Inc. operates as a payments company that helps businesses and consumers to manage and pay their expenses.It operates through Corporate Payments, Vehicle Payments, Lodging Payments, and Other segments.
Full company description
Corpay, Inc. operates as a payments company that helps businesses and consumers to manage and pay their expenses.It operates through Corporate Payments, Vehicle Payments, Lodging Payments, and Other segments. The company offers vehicle payment solutions for fuel, tolls and parking, vehicle compliance, auto insurance and road assistance, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions, such as cross-border payments, spend management solutions, AP modernization, virtual cards, and purchasing and T&E cards. Additionally, it offers lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; workforce lodging solutions for business travel programs; airline logistics, crew management, insurance, and other payments solutions. Further, 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 June 2002. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Corpay Inc reported revenue of $4.5B in FY2025 versus $2.8B in FY2021, a compound +12.4%/yr. Reported net income was $1.1B in FY2025, compounding +6.2%/yr from FY2021.
of which total revenue +11.2 % · buybacks/dilution +2.7 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
CPAY screens 97% overvalued. Compare with Microsoft Corporation →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Is Corpay (CPAY) Still Below Fair Value On Strong Q2 Earnings?
- Diversified Financial Services Stocks Q2 Highlights: Corpay (NYSE:CPAY)
- Corpay Stock: Analyst Estimates & Ratings
- Canadian Dollar Faces Renewed Downside Risk as Trade War Escalates, Corpay Says
Peer Group
Software - Infrastructure · 369 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 30/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $480.35 | $365.74 | −24% |
| Oracle Corporation ORCL | $151.94 | $117.84 | −22% |
| Fortinet, Inc FTNT | $166.00 | $61.46 | −63% |
| Synopsys, Inc SNPS | $442.61 | $101.19 | −77% |
| Block, Inc XYZ | A$111.01 | A$70.69 | −36% |
| CoreWeave, Inc CRWV | $105.26 | $71.79 | −32% |
| NetApp, Inc NTAP | $190.64 | $154.83 | −19% |
| Adyen N.V ADYEN | €1,007 | €707.53 | −30% |
| MongoDB, Inc MDB | $440.58 | $93.91 | −79% |
| Okta, Inc OKTA | $166.23 | $30.50 | −82% |
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