Corpay, Inc. (CPAY) Stock Price & Analysis

Corpay, Inc. (CPAY) closed at USD 415.01 on Thursday, October 22, 2026, up 1.83% on the day. The US market is currently closed (pre-market); this is not a live price.

The prior close was USD 407.56; the Oct 22, 2026 session ranged USD 407.83–416.28 on volume of 344,302 shares. Market capitalization is $27.25B, with a 52-week range of USD 252.84–427.46 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 08:41 UTC.

Also available as compact Markdown for AI agents: nexqual.com/CPAY.md

Key facts (CPAY)

• Last four reported quarters (through Jun 30, 2026): revenue $5.02B, net income $1.14B (22.7% margin), free cash flow $1.64B (SEC filings).
• Valuation: P/E 23.9x (avg 21.9x at the last 3 fiscal year-ends), EV/EBITDA 14.9x, net debt $12.0B.
• Earnings quality: non-operating income -$525M vs operating income $2.20B over the last four quarters; P/E excluding non-operating income ≈18.1x (estimate: non-operating income taxed at the company's 31.2% effective rate).
• 1 of 80 tracked superinvestors hold CPAY (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
• Insider open-market sales, last ~7 months: 11 Form 4 filings, $146M; 11 not under a Rule 10b5-1 plan ($146M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 1.88 on a 1–5 scale) (16 analysts), mean target USD 460.33 (range 390–536).
• Total return with dividends: 1Y +45.9% vs S&P 500 +14.9%; 5Y +49.6% vs S&P 500 +80.3%.
• Next earnings: 2026-11-04, EPS estimate USD 7.2, revenue estimate $1.36B.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CPAY)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (CPAY)

P/E 23.9x · P/E ex non-operating (est.) ≈18.1x · P/S 5.4x · EV/EBITDA 14.9x · EV/Sales 7.8x · P/FCF 16.6x · P/B 7.7x · FCF yield 6.01% · Earnings yield 4.19% · Buyback yield (TTM) 6.62% · Net debt $12.0B · EV $39.2B

P/E at fiscal year-ends: Dec 2025 20.0x, Dec 2024 24.2x, Dec 2023 21.4x.

Superinvestors (SEC 13F-HR, Q2 2026) (CPAY)

1 of 80 tracked investors hold CPAY. Each row is the investor's latest 13F; change is vs their prior-quarter share count.

Insider sales (SEC Form 4, open-market, last ~7 months) (CPAY)

0 of 11 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (CPAY)

Consensus Buy (mean 1.88 on a 1–5 scale), 16 analysts; mean target USD 460.33 (low 390, high 536).

Rating changes, last 120 days:

Total return (dividends reinvested) (CPAY)

CPAY revenue by business segment (quarter ended Jun 30, 2026)

CPAY revenue by product line (fiscal year ended Dec 31, 2025)

CPAY revenue by region (fiscal year ended Dec 31, 2025)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

CPAY suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Feb 27, 2026.

CPAY company outlook (results filed Aug 5, 2026)

• “Third Quarter of 2026 Outlook: "Revenue for the third quarter of 2026 is expected to be approximately $1.355 billion at the midpoint, growing 16% year over year, and adjusted net income per diluted share is expected to be $7.15 at the midpoint, growing 26% year over year," said Peter Walker.”

Quoted word-for-word from the SEC 8-K results press release.

CPAY analyst estimates and revisions

CPAY options: expected move

Options price a move of about ±7.5% (±$31.30) by Nov 20, 2026, which includes earnings on Nov 4, 2026. Over the last 8 reports the stock moved ±5.8% on average.

30-day implied volatility 31.2% vs 19.3% realized over the last 30 trading days. Put/call ratio (volume) 0.18. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 23, 2026 at 08:41 UTC)

Technical Analysis (CPAY)

Nexqual's technical model rates CPAY "BUY" based on 5 bullish and 2 bearish signals across 127 daily candles, as of October 23, 2026 at 08:41 UTC.

Analyst Ratings (CPAY)

Wall Street analysts rate CPAY "Buy" based on 16 analysts, with a mean price target of USD 460.33 (range USD 390–536), per Nexqual as of October 23, 2026 at 08:41 UTC.

Earnings (CPAY)

Recent Earnings History

Source: Nexqual, October 23, 2026 at 08:41 UTC.

Financials & Fundamentals (CPAY)

Source: Nexqual, October 23, 2026 at 08:41 UTC.

Financial Health Score (CPAY)

Nexqual rates Corpay, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 08:41 UTC.

Ownership (CPAY)

Source: Nexqual, October 23, 2026 at 08:41 UTC.

Leadership (CPAY)

Corpay, Inc. is led by Ronald F. Clarke, Chairman, President & CEO, per Nexqual as of October 23, 2026 at 08:41 UTC.

Major Backers & Investors (CPAY)

Notable institutional backers of Corpay, Inc. include Orbis Allan Gray Ltd, JPMorgan, FMR, LLC, according to Nexqual as of October 23, 2026 at 08:41 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 23, 2026 at 08:41 UTC.

From Corpay, Inc.'s Latest SEC 10-K Filing (filed 2026-02-27)

Key Strengths & Strategy (as disclosed to the SEC)

• Our ERP integrations, API capabilities, strategic vendor enrollment and transaction management tools enable us to optimize our customers' electronic payables programs.
• We offer a proprietary trading and payments platform that we can "white label" for financial institutions looking to expand their cross-border payment capability, as well as a suite of API products that enables us to embed our full capability directly within the technology of both customers and partners.
• Our customers' ERP systems are directly integrated with our issuing system, and merchants must be enrolled in our proprietary vendor network to accept our virtual card solution.
• Our tolls solution primarily operates on our proprietary Sem PararTM network, which processes transactions for more than 7.5 million tagholders on 100% of the toll roads that accept RFID across Brazil.

Partnerships

• Services are rendered in partnership with major insurance companies including Metlife, Inc., Suhai Suguradora and others, which hold the underwriting risks to our customers.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 08:41 UTC. This page is informational and not investment advice.

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