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CPAY

CorpayC
NYSE / Financial Services
Last Price
At close
2026-07-20
View Chart
Current thesis
Execution continues: strong organic growth, margin expansion from product mix, and successful upsell to enterprise clients drive upside toward the analyst high; M&A or faster cross-border volume growth could push valuation above current consensus.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.0.
What can break
Client concentration risk: loss or churn of a large account would materially hurt revenue [#SERP-2].
Momentum
50
Value
51
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $359.15 · Bull $440.00 · Bear $292.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-06 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $394.40
Why
Momentum50 · Δ7d -6.9
Value51 · Δ7d +0.0
Sentiment51 · Δ7d -7.2
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
50
26% active weight
Current posture
7d trendSoftening
Δ7d
-6.9
Δ21d
-6.3
Value
51
39% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
-0.2
Sentiment
51
34% active weight
Current posture
7d trendSoftening
Δ7d
-7.2
Δ21d
-11.6
Why this grade

Composite grade C. Momentum 50.1 / Value 51.2 / Sentiment 51.4

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$24.14B
Beta
0.82
Shares Out
65.36M
P/E (TTM)
21.0
P/S (TTM)
5.00
P/FCF (TTM)
18.88
Rev YoY
+25.4%
EPS YoY
+49.2%
Gross Margin
+72.8%
Op Margin
+44.4%
Net Debt
$1.12B
Current Ratio
0.98
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology