Corpay (CPAY) Stock: Buy, Sell, or Hold?
CPAY - Corpay, Inc.
$415.01
7.45 (1.83%)
▲
5d:
+2.17%
30d:
+5.02%
90d:
+11.99%
BUY
MODERATE Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 04, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: CPAY shows positive signals but monitor for confirmation. Market pricing in 3.5% growth. Moderate conviction.
💡 BUY OPPORTUNITY: CPAY shows positive signals but monitor for confirmation. Market pricing in 3.5% growth. Moderate conviction.
CPAY is flagged by 1 backtest-validated scanner today
SPY Bullish (stocks from this scanner have beaten SPY by a median 0.37% over the next 20 trading days; CPAY has been on it 4 days). Backtested on 8 months of scanner history vs the S&P 500, as of 2026-10-22.
See all of today's Best Signals in the free scanner →Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$590.46
Based on 9.6% avg growth
INTRINSIC VALUE TODAY
$366.63
Trading above historical range
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 11.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPAY is currently trading at $415.01, which is considered extended relative to its 30-day fair value range of $394.00 to $406.73. From a valuation perspective, the stock is trading at a premium (Forward PE: 13.2) compared to its historical average (11.9). At these levels, the market is pricing in 3.5% annual earnings growth.
Technical Outlook: Technically, CPAY is in a strong uptrend. The price is approaching resistance at $416.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPAY scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $460.33 (+10.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CPAY is in a strong uptrend. The price is approaching resistance at $416.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPAY scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $460.33 (+10.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$394.00 -
$406.73
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- BEARISH: Price extended above range
- BULLISH: Options cheap (IV 0th percentile)
- BULLISH: Strong technical setup (63/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($460.33)
- BULLISH: Expecting earnings turnaround to 3.5% growth with 21.5% revenue growth
- BULLISH: Bottoming setup score 63/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$394.00 -
$406.73
Current vs Trading Range
EXTENDED
Expected Move (7 Days)
±$16.84
(4.1%)
Support & Resistance Levels
Support Level
$389.76
Resistance Level
$416.30
Current Trend
Strong Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.15
Wall Street Target
$460.33
(+10.9%)
Revenue Growth (YoY)
21.5%
Earnings Growth (YoY)
-7.0%
Profit Margin
22.7%
Valuation Premium vs History
+3.5% premium
PE vs Historical
13.2 vs 11.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.5%
(market-implied from PE analysis)
1-Year Target
$429.54
(+4%)
2-Year Target
$444.57
(+7%)
3-Year Target
$460.13
(+11%)
3-Yr Target (if PE normalizes)
(PE: 13→12)
PE COMPRESSION
$416.24
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 15.1%)
$954.28
(+130%)
Base:
(SPY PE: 13.2, Growth: 15.1%)
$632.09
(+52%)
Bear:
(PE: 11.2, Growth: 15.1%)
$537.28
(+30%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (25x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 24.82 | Current EPS (TTM): $16.42
Bull Case
$861.36
(+108%)
Analyst growth 92.1%, PE expands to 27.3
Base Case
$783.06
(+89%)
Market implied 92.1%, PE stable at 24.8
Bear Case
$277.14
(-33%)
Severe decline -20.0%, PE contracts to 21.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 7:08 AM ET
Data refreshes hourly during market hours. Next update: 8:08 AM
Data refreshes hourly during market hours. Next update: 8:08 AM
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Technical Signals Check
Is CPAY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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Advanced CPAY Option Strategies
Professional options setups generated by AI based on today's CPAY price and gamma walls.
