CORPAY INC (CPAY) Stock Fundamental Analysis
USA - NYSE:CPAY - US2199481068 - Common Stock
260.35 USD
+5.35 (+2.1%)
260.35 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to CPAY. CPAY was compared to 98 industry peers in the Financial Services industry. CPAY has an excellent profitability rating, but there are some minor concerns on its financial health. CPAY is growing strongly while it is still valued neutral. This is a good combination! These ratings would make CPAY suitable for growth investing!
1. Profitability
1.1 Basic Checks
CPAY had positive earnings in the past year.
CPAY had a positive operating cash flow in the past year.
CPAY had positive earnings in each of the past 5 years.
CPAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.14%, CPAY is in the better half of the industry, outperforming 75.76% of the companies in the same industry.
CPAY's Return On Equity of 26.72% is amongst the best of the industry. CPAY outperforms 89.90% of its industry peers.
CPAY's Return On Invested Capital of 10.80% is amongst the best of the industry. CPAY outperforms 86.87% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CPAY is above the industry average of 7.79%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.14% | ||
| ROE | 26.72% | ||
| ROIC | 10.8% |
ROA(3y)6.24%
ROA(5y)6.25%
ROE(3y)33.21%
ROE(5y)29.98%
ROIC(3y)12.51%
ROIC(5y)11.72%
1.3 Margins
CPAY has a Profit Margin of 25.17%. This is amongst the best in the industry. CPAY outperforms 80.81% of its industry peers.
CPAY's Profit Margin has declined in the last couple of years.
CPAY's Operating Margin of 43.91% is amongst the best of the industry. CPAY outperforms 84.85% of its industry peers.
In the last couple of years the Operating Margin of CPAY has remained more or less at the same level.
CPAY has a Gross Margin of 78.12%. This is amongst the best in the industry. CPAY outperforms 83.84% of its industry peers.
CPAY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 43.91% | ||
| PM (TTM) | 25.17% | ||
| GM | 78.12% |
OM growth 3Y0.25%
OM growth 5Y-1.02%
PM growth 3Y-5.18%
PM growth 5Y-5.66%
GM growth 3YN/A
GM growth 5Y-4.82%
2. Health
2.1 Basic Checks
CPAY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, CPAY has less shares outstanding
Compared to 5 years ago, CPAY has less shares outstanding
CPAY has a worse debt/assets ratio than last year.
2.2 Solvency
CPAY has an Altman-Z score of 1.90. This is not the best score and indicates that CPAY is in the grey zone with still only limited risk for bankruptcy at the moment.
CPAY has a Altman-Z score of 1.90. This is in the better half of the industry: CPAY outperforms 74.75% of its industry peers.
CPAY has a debt to FCF ratio of 4.21. This is a neutral value as CPAY would need 4.21 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 4.21, CPAY is doing good in the industry, outperforming 70.71% of the companies in the same industry.
A Debt/Equity ratio of 1.91 is on the high side and indicates that CPAY has dependencies on debt financing.
With a Debt to Equity ratio value of 1.91, CPAY is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.91 | ||
| Debt/FCF | 4.21 | ||
| Altman-Z | 1.9 |
ROIC/WACC1.41
WACC7.66%
2.3 Liquidity
A Current Ratio of 1.12 indicates that CPAY should not have too much problems paying its short term obligations.
The Current ratio of CPAY (1.12) is comparable to the rest of the industry.
CPAY has a Quick Ratio of 1.12. This is a normal value and indicates that CPAY is financially healthy and should not expect problems in meeting its short term obligations.
CPAY's Quick ratio of 1.12 is in line compared to the rest of the industry. CPAY outperforms 55.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
CPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.77%, which is quite good.
CPAY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.03% yearly.
Looking at the last year, CPAY shows a quite strong growth in Revenue. The Revenue has grown by 9.22% in the last year.
The Revenue has been growing by 8.45% on average over the past years. This is quite good.
EPS 1Y (TTM)13.77%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%12.75%
Revenue 1Y (TTM)9.22%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%12.95%
3.2 Future
Based on estimates for the next years, CPAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.01% on average per year.
Based on estimates for the next years, CPAY will show a quite strong growth in Revenue. The Revenue will grow by 10.09% on average per year.
EPS Next Y12.94%
EPS Next 2Y14.14%
EPS Next 3Y14.35%
EPS Next 5Y15.01%
Revenue Next Year11.37%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y10.09%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.02 indicates a correct valuation of CPAY.
Compared to the rest of the industry, the Price/Earnings ratio of CPAY is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CPAY to the average of the S&P500 Index (26.11), we can say CPAY is valued rather cheaply.
A Price/Forward Earnings ratio of 10.51 indicates a reasonable valuation of CPAY.
CPAY's Price/Forward Earnings is on the same level as the industry average.
CPAY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.55, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.02 | ||
| Fwd PE | 10.51 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than CPAY, based on the Enterprise Value to EBITDA ratio.
74.75% of the companies in the same industry are more expensive than CPAY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.53 | ||
| EV/EBITDA | 10.32 |
4.3 Compensation for Growth
CPAY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of CPAY may justify a higher PE ratio.
CPAY's earnings are expected to grow with 14.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.01
PEG (5Y)1.3
EPS Next 2Y14.14%
EPS Next 3Y14.35%
5. Dividend
5.1 Amount
No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
260.35
+5.35 (+2.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.85%
Inst Owner Change-0.66%
Ins Owners3.52%
Ins Owner Change1.61%
Market Cap18.38B
Revenue(TTM)4.17B
Net Income(TTM)1.05B
Analysts81.9
Price Target377 (44.81%)
Short Float %2.09%
Short Ratio3.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.91%
Min EPS beat(2)-2.03%
Max EPS beat(2)-1.79%
EPS beat(4)0
Avg EPS beat(4)-1.76%
Min EPS beat(4)-2.03%
Max EPS beat(4)-1.45%
EPS beat(8)0
Avg EPS beat(8)-1.85%
EPS beat(12)2
Avg EPS beat(12)-1.27%
EPS beat(16)5
Avg EPS beat(16)-0.4%
Revenue beat(2)0
Avg Revenue beat(2)-2.27%
Min Revenue beat(2)-2.93%
Max Revenue beat(2)-1.6%
Revenue beat(4)0
Avg Revenue beat(4)-2.43%
Min Revenue beat(4)-3.5%
Max Revenue beat(4)-1.6%
Revenue beat(8)0
Avg Revenue beat(8)-2.73%
Revenue beat(12)1
Avg Revenue beat(12)-2.06%
Revenue beat(16)5
Avg Revenue beat(16)-1.05%
PT rev (1m)-4.14%
PT rev (3m)-5.57%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)0.11%
EPS NY rev (1m)0.01%
EPS NY rev (3m)0.3%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.02 | ||
| Fwd PE | 10.51 | ||
| P/S | 4.41 | ||
| P/FCF | 9.53 | ||
| P/OCF | 8.69 | ||
| P/B | 4.68 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.32 |
EPS(TTM)20
EY7.68%
EPS(NY)24.76
Fwd EY9.51%
FCF(TTM)27.31
FCFY10.49%
OCF(TTM)29.96
OCFY11.51%
SpS59.08
BVpS55.64
TBVpS-67.66
PEG (NY)1.01
PEG (5Y)1.3
Graham Number158.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.14% | ||
| ROE | 26.72% | ||
| ROCE | 16.97% | ||
| ROIC | 10.8% | ||
| ROICexc | 13.11% | ||
| ROICexgc | 87.43% | ||
| OM | 43.91% | ||
| PM (TTM) | 25.17% | ||
| GM | 78.12% | ||
| FCFM | 46.23% |
ROA(3y)6.24%
ROA(5y)6.25%
ROE(3y)33.21%
ROE(5y)29.98%
ROIC(3y)12.51%
ROIC(5y)11.72%
ROICexc(3y)14.83%
ROICexc(5y)13.92%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)18.71%
ROCE(5y)16.98%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y1.1%
ROICexc growth 5Y0.59%
OM growth 3Y0.25%
OM growth 5Y-1.02%
PM growth 3Y-5.18%
PM growth 5Y-5.66%
GM growth 3YN/A
GM growth 5Y-4.82%
F-Score7
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.91 | ||
| Debt/FCF | 4.21 | ||
| Debt/EBITDA | 3.42 | ||
| Cap/Depr | 51.24% | ||
| Cap/Sales | 4.49% | ||
| Interest Coverage | 3.69 | ||
| Cash Conversion | 96.28% | ||
| Profit Quality | 183.69% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 1.9 |
F-Score7
WACC7.66%
ROIC/WACC1.41
Cap/Depr(3y)47.52%
Cap/Depr(5y)42.51%
Cap/Sales(3y)4.31%
Cap/Sales(5y)4.03%
Profit Quality(3y)145.81%
Profit Quality(5y)152.95%
High Growth Momentum
Growth
EPS 1Y (TTM)13.77%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%12.75%
EPS Next Y12.94%
EPS Next 2Y14.14%
EPS Next 3Y14.35%
EPS Next 5Y15.01%
Revenue 1Y (TTM)9.22%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%12.95%
Revenue Next Year11.37%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y10.09%
EBIT growth 1Y7.76%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year33.06%
EBIT Next 3Y17.93%
EBIT Next 5Y15.62%
FCF growth 1Y40.15%
FCF growth 3Y17.6%
FCF growth 5Y10.19%
OCF growth 1Y37.41%
OCF growth 3Y17.47%
OCF growth 5Y10.8%
CORPAY INC / CPAY FAQ
What is the ChartMill fundamental rating of CORPAY INC (CPAY) stock?
ChartMill assigns a fundamental rating of 6 / 10 to CPAY.
Can you provide the valuation status for CORPAY INC?
ChartMill assigns a valuation rating of 6 / 10 to CORPAY INC (CPAY). This can be considered as Fairly Valued.
Can you provide the profitability details for CORPAY INC?
CORPAY INC (CPAY) has a profitability rating of 7 / 10.
What are the PE and PB ratios of CORPAY INC (CPAY) stock?
The Price/Earnings (PE) ratio for CORPAY INC (CPAY) is 13.02 and the Price/Book (PB) ratio is 4.68.