CPAY|Earnings Snapshot
EPS
| Qtr | Est | Actual | +/− |
|---|---|---|---|
| Q3'26 | $7.19 | - | - |
| Q2'26 | $6.71 | $7.00 | +4.4% |
| Q1'26 | $5.57 | $5.80 | +4.1% |
| Q3'25 | $5.64 | $5.70 | +1.0% |
| Q2'25 | $5.12 | $5.13 | +0.1% |
| Q1'25 | $4.51 | $4.51 | -0.1% |
Revenue
| Qtr | Est | Actual | +/− |
|---|---|---|---|
| Q3'26 | $1.4B | - | - |
| Q2'26 | $1.3B | $1.3B | +1.0% |
| Q1'26 | $1.2B | $1.3B | +2.2% |
| Q3'25 | - | $1.2B | - |
| Q2'25 | - | $1.1B | - |
| Q1'25 | - | $1.0B | - |
CPAY|Monthly Returns
Market Data
CPAY Stock Snapshot
- Market cap
- 26.72B
- P/E ratio
- 23.4
- Day range
- $396.39 – $403.21
- News sentiment
- 31/100 · Bearish
- Analyst target
- $461.00 (+16.3%)
- Consensus
- Buy · 25 analysts
This is a pause rather than a turn for CPAY - the signals are mixed by construction. Earnings and guidance carry more weight than macro data at this capitalisation.
Reverse DCF
What growth is priced into CPAY?
At today's price, Corpay, Inc. needs to grow free cash flow about 12.1% a year for the next 10 years to justify its valuation at a 7.67% cost of capital. Over its actual history it has compounded free cash flow at 16.7% a year, so the market is asking for 4.6 percentage points below its own delivered rate. On that basis CPAY looks priced below what its own growth record supports.
- Implied FCF growth
- 12.1%
- Historical FCF CAGR
- 16.7%
- Growth gap
- -4.6 pts
- Verdict
- CHEAP
- Discount rate (WACC)
- 7.67%
- Beta
- 1.09
Behaviour On Record
What CPAY's own history says about today's numbers
- Realized volatility (21d)
- 19.8% 24th pct
- Below its peak
- -5.4%
- vs 200-day average
- +17.9%
- Up days (1y)
- 54%
Corpay, Inc. is currently running 19.8% annualised volatility over the last 21 sessions. Measured against CPAY's own 13 years of daily returns rather than a market-wide average, that is the 24th percentile — unusually subdued by its own history, against a typical reading of 26.1%. The distinction matters because a number that looks calm for one stock is turbulent for another, and the absolute figure on its own tells you neither.
CPAY is trading -5.4% below its running peak. Across 12 full years on file, its median worst-drawdown-in-a-year was -21.9%, and the deepest was -47.5% in 2020. The current pullback is therefore shallower than what this stock gives back in a typical year, which is context worth having before treating it as a dislocation.
Price sits +17.9% from its 200-day moving average. Against every other day in its history, that gap ranks at the 88th percentile — a wider gap than this stock usually carries. Over the past year CPAY closed higher on 54% of sessions, and it is currently 2 sessions into a falling streak.
On September specifically: over 13 years of records, CPAY finished the month higher 3 of 13 times, with a median return of -1.4% and an average of -2.5%. Its strongest month historically has been April at +4.1% on average, its weakest March at -2.9%. Seasonality is a weak signal on its own — a decade is a small sample and regimes change — but it is a real distribution rather than a rule of thumb.
Overnight risk is measurable too: CPAY has opened more than 2% away from the prior close in 133 of 3,267 sessions (4.1% of the time), with the largest gaps running +9.2% and -8.1%. For anyone holding through an event, that rate is a better guide to overnight exposure than the intraday range.
All figures computed from 3,268 daily closes between 2013-09-18 and 2026-09-16, split-adjusted, recomputed daily. Percentiles are against CPAY's own 13-year history, not a peer group or index.
Sector Rotation
Is money rotating into or out of CPAY's sector?
Corpay, Inc. sits in the Technology sector, currently ranked 1st of 11 GICS sectors by relative-strength rotation score (leading). Within its narrower Software industry group, CPAY ranks 3rd of 15 tracked industries, leading.
- Sector rank
- #1 of 11
- Sector state
- Leading
- Sector rotation score
- 90
- Industry rank
- #3 of 15
Analyst Rating Changes
Are analysts turning bullish or bearish on CPAY?
Scotiabank most recently initiated coverage on Corpay, Inc. to Sector Outperform on Sep 2, 2026 with a price target of $536. Over the last 90 days, coverage has run 0 upgrades against 0 downgrades, a net mixed lean.
- Latest action
- Scotiabank — Sector Outperform
- 90-day upgrades
- 0
- 90-day downgrades
- 0
- Net rating momentum
- 0
