Corpay (CPAY)
NYSEFinancialsSoftware - InfrastructureSnapshot 2026-07-08
$345.59-3.22%
Close 2026-07-08 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 13 valuation methods, at three horizons. Current price $345.59. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $357 CPAY trades at 16× p/e, below its 17× p/e peer median, but our blended $319 fair value sits below the price. We hold it with medium confidence: our number sits below the analyst range and quality doesn't explain valuation multiples in this sub-industry, so the peer comparison is a weak guide. Analysts target $388–$450. Note: our $319 fair value sits below the entire analyst range ($388–$450). Even valued only for durable growth at sustainable margins, it's worth about $384 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
$388.00 – $450.00 (median $403.00) · 4 analysts · as of 2026-06-03
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Roughly priced in line with peers.
Around its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $403.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $188.01 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $211.94 | — | — | Hist. CAGR | high |
| graham number | 12M | $161.74 | — | — | TTM | high |
| Mgmt guidance | 12M | $335.90 | 16.2 | 20.79 | Mgmt | high |
| Peer P/B | 12M | $108.43 | 2.1 | 51.95 | TTM | high |
| Peer P/FCF | 12M | $253.61 | 13.2 | 19.15 | TTM | high |
| Peer P/E | 12M | $361.59 | 16.2 | 22.38 | TTM | high |
| Peer P/S | 12M | $235.85 | 3.4 | 69.89 | TTM | high |
| PEG | 12M | $635.39 | 28.4 | 22.38 | TTM | high |
| residual income | 12M | $117.03 | — | — | TTM | high |
| Own P/E history | 12M | $351.03 | 15.7 | 22.38 | TTM | high |
| triangulated | 12M | $373.85 | 16.2 | 23.14 | Triangulated | high |
| Mgmt guidance | 3Y | $632.95 | 16.2 | 39.18 | Mgmt(prov.) | medium |
| Peer P/B | 3Y | $133.77 | 2.1 | 64.09 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $209.28 | 13.2 | 15.80 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $577.28 | 16.2 | 35.73 | Analyst | medium |
| Peer P/S | 3Y | $335.09 | 3.4 | 99.31 | guidance | medium |
| PEG | 3Y | $1014.41 | 28.4 | 35.73 | Analyst | medium |
| Own P/E history | 3Y | $560.42 | 15.7 | 35.73 | Analyst | medium |
| Mgmt guidance | 5Y | $965.63 | 16.2 | 59.77 | Mgmt(prov.) | high |
| Peer P/B | 5Y | $153.88 | 2.1 | 73.73 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $184.12 | 13.2 | 13.90 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $701.94 | 16.2 | 43.45 | Analyst | high |
| Peer P/S | 5Y | $407.45 | 3.4 | 120.75 | guidance | high |
| PEG | 5Y | $1233.46 | 28.4 | 43.45 | Analyst | high |
| Own P/E history | 5Y | $681.43 | 15.7 | 43.45 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.