D/E 2.71 — most levered decile in Technology (≈95th pctile)
P/E21.0xB+
P/E 21.0 — below the Technology median (≈40th pctile)
PEG0.86B+
PEG 0.86 — near fair value, classic Lynch benchmark (1.0)
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 84.5
Quality0.89
Growth0.90
Value0.76
Why this score
Buying back stock
Durable high returns
Entry · Margin of safety
52-week rangeNear 52-week high
4% off the 12-month high
vs DCF fair value16% belowest. fair value ~$418
Quality signals · context only
Gross profitability18% · C+gross profit ÷ total assets (Novy-Marx)
ROIC22.5% · Areturn on invested capital — not score-weighted
Why now
Corpay’s corporate‑payment platform is locking in multi‑year spend from large enterprises through its cross‑border and virtual‑card suite, driving a high‑margin growth engine; revenue is expanding at 13.9% YoY, profit margin sits at a robust 24.6%, and ROE tops 33.5%, proving the business can compound cash while financing its own expansion. The low‑beta (0.88) and modest debt‑to‑equity (2.71) give it financial flexibility to reinvest, making the compounding runway the core of the thesis.
Moat
The integrated spend‑management and AP‑modernization stack creates deep switching costs for corporate finance teams, while the virtual‑card infrastructure locks in transaction volume and pricing power, underpinning the 33.5% ROE. Cross‑border payment capabilities further differentiate Corpay, limiting easy replication by generic payment processors.
Risk
A P/E of 21.4 for a growth name signals the market may already price in the current 13.9% revenue run‑rate, and any slowdown or margin erosion would expose the stock to a steep re‑rating; the 2.71 debt‑to‑equity ratio also leaves limited headroom for aggressive acquisition or cap‑ex if competition intensifies. A miss on quarterly spend‑growth would confirm the bear case and push the price back toward the 52‑week low.
Horizon
1-3 yr $395.14 (14-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $498.86 at ~7% CAGR — dividend + buyback compounding. 10 yr $639.77 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Position sizing · CPAY
$
%
%
Shares to buy
5
Position size
$1,756
3.5% of portfolio
Stop price
$263.37
25% below $351.16
$ at risk if stopped
$438.95
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Corpay, Inc. (CPAY): score, valuation & FAQ
Corpay, Inc. (CPAY) is a Software - Infrastructure company that scores 84.5 out of 100 on the Bull Rankings quality-growth model — a strong reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are Rev (B+), P/E (B+) and PEG (B+), while D/E (D) rate weaker. On valuation, CPAY sits about 16% below our discounted-cash-flow fair value (a margin of safety).
Is CPAY a good stock to buy?
Bull Rankings scores CPAY 84.5 out of 100 on its quality-growth model, which is a strong reading. That is driven by Rev (B+), P/E (B+) and PEG (B+). A score is a quantitative screen of Corpay, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does CPAY score 84.5 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). CPAY earns its highest marks on Rev (B+), P/E (B+) and PEG (B+), and is held back by D/E (D). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is CPAY overvalued or undervalued?
Based on $351.16, CPAY sits about 16% below our discounted-cash-flow fair value (a margin of safety). It trades at a 21.0x× P/E (graded B+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in CPAY?
A P/E of 21.4 for a growth name signals the market may already price in the current 13.9% revenue run‑rate, and any slowdown or margin erosion would expose the stock to a steep re‑rating; the 2.71 debt‑to‑equity ratio also leaves limited headroom for aggressive acquisition or cap‑ex if competition intensifies. A miss on quarterly spend‑growth would confirm the bear case and push the price back toward the 52‑week low.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.