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Upturn AI Summary - About
Corpay Inc(CPAY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CPAY
09/25/2026: CPAY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Corpay Inc is a specialized FinTech company that provides B2B payment solutions for fleets, corporate expenses, and international transactions. The company has a leading position in niche payment segments, supported by a scalable platform that has historically delivered high margins. Its primary growth story revolves around digitizing complex corporate payments and migrating clients to its integrated software suites. Key risks include significant exposure to competition from established financial institutions and potential execution challenges arising from its ongoing acquisition-led growth strategy. The stock may suit growth-oriented investors who are comfortable with the inherent volatility of the financial technology sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Corpay has a consistent history of expanding its top and bottom lines through strategic market consolidation. |
| Momentum investor | Mixed fit | The stock's performance is often tied to broader FinTech sentiment and macroeconomic indicators, necessitating a positive market signal. |
| Value investor | Mixed fit | The valuation often reflects premium growth expectations typical of the financial technology sector. |
| Dividend investor | Weak fit | The company does not pay a dividend, focusing instead on capital reinvestment. |
| Low-risk investor | Weak fit | Exposure to fuel price volatility and the risks associated with an acquisition-heavy strategy increase the risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | FinTech stocks frequently experience significant price swings based on interest rate expectations and sector sentiment. |
| Valuation risk | Medium | Investors pay a premium for the company's growth, which could contract if organic growth slows. |
| Competition risk (FinTech/Banking) | High | Increased competition from well-funded banks and software firms threatens pricing power and market share. |
| Business quality | Strong | The company's proprietary networks and high margins are indicative of a durable business model. |
| Dividend income | Low / none | The absence of dividends means investors rely entirely on capital appreciation. |
| Execution risk | Medium / high | Continuous reliance on M&A requires successful integration to realize projected synergies and value. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -22.83% | Avg. Invested days 39 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 26.14B USD | Price to earnings Ratio 24.22 | 1Y Target Price 461 |
Price to earnings Ratio 24.22 | 1Y Target Price 461 | ||
Volume (30-day avg) 428.0K shares | Beta 0.87 | 52 Weeks Range 252.84 - 427.46 | Updated Date 09/27/2026 |
52 Weeks Range 252.84 - 427.46 | Updated Date 09/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 16.44 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Vehicle Payments | Fuel cards, maintenance payments, and proprietary processing fees. | This is a stable, cash-generative core business. |
| Corporate Payments | Virtual cards, B2B software, and AP automation solutions. | This segment is the primary engine for future growth. |
| Cross-Border/Lodging | Currency exchange, international payments, and hotel booking solutions. | These offer geographic and functional diversification. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 24.22 | Forward PE 12.77 | Enterprise Value 33.26B | Price to Sales(TTM) 5.21 |
Enterprise Value 33.26B | Price to Sales(TTM) 5.21 | ||
Enterprise Value to Revenue 6.62 | Enterprise Value to EBITDA 13.04 | Shares Outstanding 65.66M | Shares Floating 63.09M |
Shares Outstanding 65.66M | Shares Floating 63.09M | ||
Percent Insiders 3.78 | Percent Institutions 100.68 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Corpay Inc
Exchange NYSE | Headquarters Atlanta, GA, United States | ||
IPO Launch date 2010-12-15 | Chairman, President & CEO Mr. Ronald F. Clarke | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 11800 | Website https://www.corpay.com |
Full time employees 11800 | Website https://www.corpay.com | ||
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.
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