CPAY Stock Analysis: Buy, Sell, or Hold?
CPAY - Corpay, Inc.
$331.00
5.19 (1.59%)
▲
5d:
-4.14%
30d:
-6.13%
90d:
+12.89%
BUY
HIGH Confidence
Analysis Updated: Jun 26, 2026 12:00 AM ET
Earnings: Aug 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CPAY shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: CPAY shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$539.04
Based on 9.2% avg growth
INTRINSIC VALUE TODAY
$334.70
1.1% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPAY is currently trading at $331.00, which is considered oversold relative to its 30-day fair value range of $341.13 to $358.41. The stock's valuation (Forward PE: 10.7) is in line with its historical norms (11.4). Remarkably, the market is currently pricing in an annual earnings decline of 2.4% over the next few years. This pessimistic expectation contrasts with the company's recent 49.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CPAY is in a uptrend. The price is currently testing key support at $342.47. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $395.14 (+21.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CPAY is in a uptrend. The price is currently testing key support at $342.47. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $395.14 (+21.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$341.13 -
$358.41
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.3% below Wall St target ($395.14)
Trading Range Analysis
30-Day Trading Range
$341.13 -
$358.41
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$342.47
Resistance Level
$364.29
Current Trend
Uptrend
Technical data as of
Jun 17, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.65
Wall Street Target
$395.14
(+21.3%)
Revenue Growth (YoY)
25.4%
Earnings Growth (YoY)
49.1%
Profit Margin
24.6%
Valuation Discount vs History
-2.4% cheaper
PE vs Historical
10.7 vs 11.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.4%
(market-implied from PE analysis)
1-Year Target
$317.99
(-2%)
2-Year Target
$310.36
(-5%)
3-Year Target
$302.91
(-7%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$324.39
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.3%)
$996.04
(+206%)
Base:
(SPY PE: 10.6, Growth: 14.3%)
$486.83
(+49%)
Bear:
(PE: 9.0, Growth: 14.3%)
$413.80
(+27%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 20.61 | Current EPS (TTM): $16.70
Bull Case
$694.02
(+113%)
Analyst growth 83.3%, PE expands to 22.7
Base Case
$630.92
(+94%)
Market implied 83.3%, PE stable at 20.6
Bear Case
$234.10
(-28%)
Severe decline -20.0%, PE contracts to 17.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.6 to 11.4
Stabilization Target:
$348.91
(+7.1%)
PE Expansion Potential:
+7.1%
Share & Embed Analysis
Last updated: June 26, 2026 1:48 PM ET
Data refreshes hourly during market hours. Next update: 2:48 PM
Data refreshes hourly during market hours. Next update: 2:48 PM
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Technical Signals Check
Is CPAY showing a specific setup today?
Insider Activity (6 Months)
2
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
BUY
2026-03-23
Ro Khanna
SELL
2026-03-10
Alissa B Vickery
SELL
1701 shares
2026-02-10
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