Corpay (CPAY)
NYSEFinancialsSoftware - InfrastructureSnapshot 2026-09-04
$416.37-0.79%
Close 2026-09-04 · 1-day change
NYSEFinancialsSoftware - InfrastructureSnapshot 2026-09-04
QuarterlyIQ Insights · CPAY
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 11 valuation methods, at three horizons. As of 2026-09-04. 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.
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 $416 CPAY trades at 17× p/e — 1.4× the 12× p/e peer median. The market is re-rating it beyond its own range; our $284 fair value is low-confidence here. Analysts target $388–$536. Note: our $284 fair value sits below the entire analyst range ($388–$536). The flat-multiple read looks rich, but earnings are inflecting up — trailing growth is accelerating and forward estimates confirm — so we've softened our read rather than brand an accelerating name expensive. Even valued only for durable growth at sustainable margins, it's worth about $478 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
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).
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 | $442.00 | — | — | Analyst | high |
| dcf fcff | 12M | $385.27 | — | — | Hist. CAGR | high |
| graham number | 12M | $170.49 | — | — | TTM | high |
| Mgmt guidance | 12M | $244.37 | 12.4 | 19.70 | Mgmt | high |
| Peer P/B |
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.
A long-thesis check that carries the widest uncertainty of the three horizons.
Around the middle on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$388.00 – $536.00 (median $442.00) · 15 analysts · as of 2026-09-02
Flags: expensive valuation, weak execution quality. Capped at elevated by the Mania regime.
For similar setups historically (n=2,301): about 43% saw a 20%+ drawdown, and roughly 77% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| 12M |
| $72.52 |
| 1.3 |
| 54.10 |
| TTM |
| high |
| Peer P/FCF | 12M | $273.26 | 11.1 | 24.70 | TTM | high |
| Peer P/E | 12M | $219.68 | 11.2 | 19.70 | ntm analyst | high |
| Peer P/S | 12M | $217.83 | 2.9 | 75.70 | TTM | high |
| PEG | 12M | $560.44 | 28.4 | 19.70 | TTM | high |
| residual income | 12M | $124.87 | — | — | TTM | high |
| triangulated | 12M | $297.08 | 12.4 | 23.95 | Triangulated | high |
| Mgmt guidance | 3Y | $455.38 | 12.4 | 36.71 | Mgmt(prov.) | low |
| Peer P/B | 3Y | $79.73 | 1.3 | 59.48 | Hist. CAGR(prov.) | low |
| Peer P/FCF | 3Y | $271.64 | 11.1 | 24.56 | Hist. CAGR(prov.) | low |
| Peer P/E | 3Y | $386.55 | 11.2 | 34.66 | Analyst | low |
| Peer P/S | 3Y | $276.54 | 2.9 | 96.10 | guidance | low |
| PEG | 3Y | $986.16 | 28.4 | 34.66 | Analyst | low |
| Mgmt guidance | 5Y | $689.60 | 12.4 | 55.59 | Mgmt(prov.) | medium |
| Peer P/B | 5Y | $84.93 | 1.3 | 63.36 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 5Y | $270.57 | 11.1 | 24.46 | Hist. CAGR(prov.) | medium |
| Peer P/E | 5Y | $432.42 | 11.2 | 38.78 | Analyst | medium |
| Peer P/S | 5Y | $309.35 | 2.9 | 107.50 | guidance | medium |
| PEG | 5Y | $1103.17 | 28.4 | 38.78 | Analyst | medium |