Corpay (CPAY)
NYSEFinancialsSoftware - InfrastructureSnapshot 2026-11-05
$447.00+6.78%
Close 2026-11-05 · 1-day change
NYSEFinancialsSoftware - InfrastructureSnapshot 2026-11-05
QuarterlyIQ Insights · CPAY
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 45.1% |
| Our one-year growth estimate | diamond | 12.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 32.2 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 23 industry peers · Company calendar date is not available
CPAY — credit agreement
Dated 2026-05-22
Entry into a Material Definitive Agreement. On May 21, 2026, Corpay, Inc. (“Corpay” or the "Company") entered into the eighteenth amendment (the “Eighteenth Amendment”) to its Credit Agreement (as amended and supplemented from time to time, including by the Eighteenth Amendment, the “Credit Facility”), dated as of October 24, 2014, among Corpay Technologies Operating Company, LLC, Corpay, the other borrowers party thereto, Bank of America, N.A., as administrative agent and swing line lender,…
Why it matters: Corpay raised its full-year adjusted EPS range after strong results. Keeping the lower end at $27.15 or higher would preserve that raised outlook.
Supportive ifThe next full-year 2026 adjusted EPS outlook keeps its lower end at $27.15 or higher.
Worry ifCorpay cuts the lower end of its 2026 adjusted EPS outlook below $27.15.
Why it matters: Management set a $7.15 Q3 adjusted EPS midpoint. Meeting it would support the raised full-year outlook; a miss would weaken that support.
Watch forQ3 adjusted net income per diluted share is at least $7.15.
Also watch forQ3 adjusted net income per diluted share is below $7.15.
Why it matters: Management tied sale proceeds to share repurchases and said free cash flow would pay down debt. The next update can show whether both plans advance.
Watch forCorpay reports that it closed the maintenance business sale. It also reports that the proceeds funded share repurchases.
Also watch forThe sale remains open, or Corpay reports that its proceeds did not fund repurchases.
Why it matters: Organic revenue grew 10% in Q2, and management raised its 2026 outlook. A result above 10% would keep the recent growth pace intact.
Supportive ifQ3 organic revenue growth is above 10%, with total revenue near or above the $1.355 billion midpoint.
Worry ifQ3 organic revenue growth falls below 10%, or total revenue comes in below $1.355 billion.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$115 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $282 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,020 loss on $10,000 · 20.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.