Stocktoria
CORPAY, INC. CPAY
CORPAY, INC. (CPAY) earns a Piotroski F-score of 5/9 (mixed financial health), with an Altman Z″ in the grey zone. It does not currently pay a dividend. FY2025 revenue was $4.5B at a 23.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-10 | Cantor Fitzgerald | Overweight (main) |
| 2026-08-06 | JP Morgan | Overweight (main) |
| 2026-08-06 | UBS | Neutral (main) |
| 2026-08-06 | RBC Capital | Sector Perform (main) |
| 2026-08-06 | Keefe, Bruyette & Woods | Outperform (main) |
| 2026-07-28 | Morgan Stanley | Overweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · grey zone
| Component | Value |
|---|---|
| Working capital / assets | -0.013 |
| Retained earnings / assets | 0.389 |
| EBIT / assets | 0.076 |
| Equity / liabilities | 0.175 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CPAY | CORPAY, INC. | 5/9 | 1.88 | 20.3 | +13.9% |
| RBA | RB GLOBAL INC. | 6/9 | 1.78 | 71.3 | +7.2% |
| AKAM | AKAMAI TECHNOLOGIES INC | 5/9 | 2.86 | 36.4 | +5.4% |
| FOUR | Shift4 Payments, Inc. | 6/9 | 1.05 | 31.8 | +25.5% |
| WU | Western Union CO | 5/9 | — | 4.5 | -3.8% |
| TNET | TRINET GROUP, INC. | 6/9 | — | 14.8 | -0.9% |
| MMS | MAXIMUS, INC. | 8/9 | 3.24 | 9 | +2.4% |
About CORPAY, INC.
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.
FAQ
Is CPAY financially healthy?
CORPAY, INC.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.
Does CPAY pay a dividend?
No, CORPAY, INC. does not currently pay a dividend.
How profitable is CPAY?
In FY2025, CORPAY, INC. had a net margin of 23.6% and a return on equity of 27.2%.
Is CPAY overvalued or undervalued?
CORPAY, INC. trades at about 27.3× trailing earnings — near its 10-year norm (10-year range 16.8×–31.7×, median 26.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CPAY?
The average Wall-Street price target for CORPAY, INC. is $450.64, about 10.0% above the recent price, from 14 analysts (consensus: buy).
Is CPAY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CORPAY, INC.: a Piotroski F-score of 5/9, an Altman Z″ in the grey zone, a P/E of about 20.3×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.