Yahoo! Finance Canada report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Why CPAY Stock advanced +0.75% Today — RQD Quant Desk Flash
Corpay Inc. (CPAY) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
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Is CPAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Corpay Inc. (NYSE: CPAY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $400.94 (+0.75% 1D, market cap $26.13B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, CPAY ranks #234 in composite RQD confidence.
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How does CPAY compare to FISV and TCOM in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), CPAY carries a Roarable C (65/100 RQD), trailing P/E of 24.4x, gross margin of —, and ROIC of 23.2%. By comparison, FISV (Fiserv Inc.) holds a D+ grade (57/100 RQD, P/E 7.4x, ROIC 9.6%, cap $25.78B) and TCOM (Trip.com Group Limited) posts a D+ grade (53/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.28B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CPAY?
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Per CPAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001175454), Corpay Inc. generated $4.53B in revenue (+13.9% YoY), $1.07B in net income, and $1.30B in free cash flow against $26.41B in total assets and $6.18B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 28.7% FCF Margin ($1.30B FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (47.2) create a -10 pt regime headwind
⚔️ Adversarial Opposing Case: Why the CPAY Bull Thesis Could Fail
Even with a 65/100 (C) score, CPAY faces multiple-compression risk if 24.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($402.57) or 200D SMA ($356.17) invalidates the momentum regime and cuts Target Base ($413.57) toward Bear Floor ($322.58).
Why CPAY Stock advanced +0.75% Today — RQD Quant Desk Flash
Corpay Inc. (CPAY) advanced +0.75% to $400.94, trading at 85% of its 52-week range ($256.17 – $427.46). Solid steady margins (23% return on capital), mixed timing at 24x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 85% of its 52-week range ($256.17 – $427.46) with RSI-14 at 47.2 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.4% around $400.94 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $1.3B annual free cash flow.
Yahoo Finance report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
The Canadian dollar has weathered major shocks over the past decade, including the shale oil boom re
The fund sold $110.3 million more than it bought, with NVIDIA and Apple leading the sells.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (CPAY Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
CPAY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +13.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CPAY today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CPAY. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPAY)
1. Head-to-Head Consumer Discretionary Peer Comparison (CPAY vs. FISV, TCOM, GPN, BR)
Industry: Business Services (90 Tracked Issuers)Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Corpay Inc. (CPAY) ranks #234 by composite RQD confidence (65/100, grade C) and #77 by equity capitalization ($26.13B). Within this direct 5-issuer industry benchmark cohort, TCOM leads on earnings valuation at 5.1x trailing P/E, while CPAY leads on capital efficiency and profitability with 23.2% ROIC and — gross margin. BR currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with CPAY at 65/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| CPAY
ACTIVE
Corpay Inc. | C | 65/100 | 24.4x | — | 23.2% | +0.75% | $26.13B | Benchmark Subject |
| FISV Fiserv Inc. | D+ | 57/100 | 7.4x | — | 9.6% | +3.18% | $25.78B | /fisv-vs-cpay → |
| TCOM Trip.com Group Limited | D+ | 53/100 | 5.1x | 80.6% | 8.8% | +2.67% | $24.28B | /tcom-vs-cpay → |
| GPN Global Payments Inc. | C- | 61/100 | 16.2x | 72.6% | 5.1% | +12.97% | $22.68B | /gpn-vs-cpay → |
| BR Broadridge Financial Solutions Inc. | B+ | 77/100 | 24.0x | 31.0% | 18.1% | +0.38% | $20.11B | /br-vs-cpay → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001175454In its most recent audited fiscal period (FY2025, filed 2025-12-31), Corpay Inc. (CPAY) reported GAAP revenue of $4.53B (+13.9% vs. FY2024 revenue of $3.97B , and +20.5% cumulative change since FY2023) , GAAP net income of $1.07B, operating cash flow of $1.50B, and free cash flow of $1.30B (-26.4% YoY). On the balance sheet, CPAY closed FY2025 with $26.41B in total assets against $6.18B in total debt (Altman Z-Score: 2.19, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $4.53B | $1.07B | $1.50B | $1.30B | $26.41B | $6.18B |
| FY2024 (FY) | 2024-12-31 | $3.97B | $1.00B | $1.94B | $1.77B | $17.96B | $4.20B |
| FY2023 (FY) | 2023-12-31 | $3.76B | $982.0M | $2.10B | $1.93B | $14.37B | $3.36B |
3. CPAY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs CPAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Corpay Inc. (NYSE: CPAY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $400.94 (+0.75% 1D, market cap $26.13B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, CPAY ranks #234 in composite RQD confidence.
How does CPAY compare to FISV and TCOM in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Business Services), CPAY carries a Roarable C (65/100 RQD), trailing P/E of 24.4x, gross margin of —, and ROIC of 23.2%. By comparison, FISV (Fiserv Inc.) holds a D+ grade (57/100 RQD, P/E 7.4x, ROIC 9.6%, cap $25.78B) and TCOM (Trip.com Group Limited) posts a D+ grade (53/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.28B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).
What are the biggest fundamental strengths and SEC risk factors for CPAY?
Per CPAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001175454), Corpay Inc. generated $4.53B in revenue (+13.9% YoY), $1.07B in net income, and $1.30B in free cash flow against $26.41B in total assets and $6.18B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is CPAY trading relative to its 50-day, 200-day, and 52-week technical levels?
CPAY last traded at $400.94 (+0.75% on volume of 406,782 shares), positioning the stock -0.40% below its 50-day simple moving average ($402.57) and +12.57% above its 200-day simple moving average ($356.17). Across its 52-week range of $256.17 to $427.46, CPAY sits at the 84.5% percentile with a 14-day RSI of 47.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($383.30 to $418.58).
CPAY Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is CPAY stock moving today?
Why CPAY Stock advanced +0.75% Today — RQD Quant Desk Flash. Solid steady margins (23% return on capital), mixed timing at 24x P/E—hold if owned, no rush to chase.
CPAY — Corpay Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, CPAY scores 65 out of 100, a letter grade of C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
- Fundamental Cash Engine (14 / 20): Per the RQD rating, this pillar reflects ROIC of 23.2% and an FCF yield of 4.97%. Strong capital returns are offset by a yield that is not especially high relative to the current price.
- Whale 13F Flow (13 / 20): Per the RQD rating, this pillar captures institutional accumulation and options positioning. The score is moderate, indicating neither a strong institutional tailwind nor a clear distribution signal in the source data.
- Insider Conviction (17 / 20): Per the RQD rating, this is the highest-scoring pillar, based on SEC Form 4 and Congressional PTR cluster flow. It is the strongest individual input to the overall grade.
- Macro Regime Fit (10 / 20): Per the RQD rating, this pillar reflects a beta of 1.11 and sector sensitivity. A beta above 1.0 means the stock has tended to move somewhat more than the broader market, which amplifies both upside and drawdown exposure.
- Forensic Balance Sheet (11 / 20): Per the RQD rating, this pillar draws on an Altman Z-Score of 2.19, a Piotroski F-Score of 7/9, and Debt/Equity of 1.37. The Piotroski reading is solid; the leverage level and Altman reading keep this pillar below the midpoint.
Taken together, the pillar profile suggests a company with strong operating economics and encouraging insider activity, offset by moderate leverage and a beta above market. For a prospective investor, the implications are: upside is linked to continued cash generation and insider signals; valuation is a tradeoff, since the trailing P/E of 24.4 sits above the forward P/E of 20.5, implying expected earnings growth per the market data; and balance sheet leverage and market sensitivity are the main sources of downside risk. The "Hold" verdict reflects this balance rather than a directional call.
Snapshot
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $4528.4M | $1994.1M | $1070.0M | N/A | $1299.1M | $2408.1M | $6179.5M |
| FY 2024 | $3974.6M | $1787.2M | $1004.0M | N/A | $1765.4M | $1553.6M | $4201.9M |
| FY 2023 | $3757.7M | $1656.9M | $982.0M | N/A | $1932.0M | N/A | $3363.0M |
Per the SEC financials, revenue grew from $3757.7M in FY 2023 to $4528.4M in FY 2025, while net income rose from $982.0M to $1070.0M over the same span. Reported net margin is 23.6% and operating margin is 44%, per the market data. Per the market data, ROIC is 23.2%. Per the RQD rating, the Altman Z-Score is 2.19 and the Piotroski F-Score is 7/9. Debt rose from $3363.0M in FY 2023 to $6179.5M in FY 2025, and Debt/Equity is 1.37 per the RQD rating; FY 2025 FCF was $1299.1M, below FY 2024's $1765.4M.
Open Questions
- What are the company's specific product lines, customer segments, and revenue mix behind the reported Business Services classification?
- What is the FY 2025 EPS figure, which is listed as N/A across all reported periods?
- What is the composition of the rise in debt from $3363.0M to $6179.5M, and how does it relate to the decline in FCF from FY 2024 to FY 2025?
- What are the terms and financial scale of the Newcastle partnership referenced in the news wire?
- What do the individual SEC Form 4 and 13F filings contain, and what is the analyst consensus price target?
CPAY Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Corpay Inc. (CPAY) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Corpay Inc. (CPAY) market action, institutional positioning, and fundamental catalysts.
CPAY Bull vs. Bear Conversation Board — What's Your Call at $400.94?
🔥 Official Bull vs. Bear Debate: Is CPAY (C • RQD 65/100) a Buy at $397.97?
Welcome to the CPAY (Corpay Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Business Services. Bulls point to capital efficiency (23.2% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on CPAY — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on CPAY, but look at what you are paying: 24.4x trailing P/E with tightening sector spreads. Unless Corpay Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
CPAY cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on CPAY, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $397.97 (52-wk range $256.17 - $427.46), any beat on forward guidance forces shorts and underweight funds to chase.