Corpay CPAY
Corpay (formerly FleetCor) is a provider of payment and expense management solutions for businesses, specializing in fuel cards, tolls, and fleet payments, as well as cross-border and accounts payable payments. Corpay shows solid financial health (operating margin 46.9%, ROE 29.2%) and attractive valuation (forward P/E 12.7, PEG 0.76), but earnings growth is negative (-7%) and the $100 million FTC fine for hidden fees adds near-term pressure.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Corpay (formerly FleetCor) is a provider of payment and expense management solutions for businesses, specializing in fuel cards, tolls, and fleet payments, as well as cross-border and accounts payable payments. Corpay shows solid financial health (operating margin 46.9%, ROE 29.2%) and attractive valuation (forward P/E 12.7, PEG 0.76), but earnings growth is negative (-7%) and the $100 million FTC fine for hidden fees adds near-term pressure.
Score by category
| Category | Score |
|---|---|
| Financial health | 6.2 |
| Quality / Moat | 8.1 |
| Valuation | 7.7 |
| Growth | 5.4 |
| Dividend | 1.5 |
| Momentum | 8.4 |
| Risk & Context | 6.5 |
OVERALL SCORE: 6.9/10
Context and risks
The $100 million FTC settlement for hidden fuel-card fees is a material and already resolved regulatory risk, but it reflects ongoing scrutiny of the company's fee practices. Interest rate exposure is limited: net debt/EBITDA of 2.7x is moderate and the payments business is not excessively long-duration.
News considered in the analysis
- 3 Reasons We Love Corpay (CPAY) — Artículo de opinión con sesgo positivo que refuerza la tesis de inversión, pero sin información nueva y con descuento parcial en el precio.
- Here's Why You Should Hold Corpay's Stock in Your Portfolio Now — Análisis de Zacks con tono positivo, pero sin catalizadores concretos; el mercado ya conoce la historia.
- Priority Technology Shares Surge on $1.6 Billion All-Cash Go-Private Deal — Noticia sobre un competidor (Priority Technology), no afecta directamente a Corpay.
- Is Corpay (CPAY) Below Fair Value After The FTC Settlement? — El acuerdo con la FTC ya es un hecho conocido y el impacto en el precio está parcialmente descontado; el riesgo regulatorio residual es limitado.
- FleetCor, CEO agree to pay $100 million over hidden fuel-card fees — Multa de 100 millones de dólares por cargos ocultos en tarjetas de combustible. Impacto material en beneficios y reputación, aunque el monto es manejable para la empresa; el mercado ya lo conocía en parte.
Verdict: Hold: quality and valuation offset weak growth and regulatory risk, but the catalyst for re-rating will depend on the ability to reverse the earnings decline.
Main risk: The main risk is Corpay's ability to sustain revenue growth (21.5%) while earnings decline (-7%), which could indicate margin pressure or rising costs; the $100 million FTC fine is a materialized but not existential risk.
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