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Corpay, Inc. Quality Score

CPAY

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Quality77

Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 58/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
60/100
25.5x

25–30x, paying a growth premium

Cash Flow Multiple
90/100
16.8x

Under 20x cash flow, well covered

Revenue Growth
100/100
10.0%

Above 10% CAGR, strong compounder

Cash Flow Growth
100/100
28.4%

Above 10% CAGR, strong compounder

Business Quality & Capital Allocation

Share Dilution
100/100
-13.7%

Shrinking >2%, active buybacks

Margin Trend
90/100
+1.5pp

Expanded 1–3pp, steady progress

Capital Structure
0/100
$11.99B

Net debt/FCF of 7.3x, high leverage

2022
$1.44B
$9.46B
2023
$1.39B
$8.95B
2024
$1.55B
$10.9B
2025
$2.41B
$13.5B
TTM
$3.16B
$15.2B
CashDebt
Return on Capital
40/100
9.8%

8–10%, clearing the bar

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Corpay (CPAY) quality: score, margins and returns

Corpay (CPAY) scores 77/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100, on 43.7% operating margins and 9.8% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Corpay (CPAY) a high-quality business?+

Corpay scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Recent figures include a 43.7% operating margin and a 9.8% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Corpay's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from CPAY's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Corpay scores well and where it falls behind.

What is Corpay's return on invested capital (ROIC)?+

Corpay earns about 9.8% on its invested capital, which is modest. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to CPAY's margins and growth on this scorecard to judge durability.

How profitable is Corpay?+

Corpay runs an operating margin of about 43.7% and a net margin of about 22.7%. Revenue has grown at roughly 13.6% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 11 Aug 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

CPAY is in 243 US ETFs. The largest of them, with CPAY's weight in each:

Spot a number that looks wrong? Check it in CPAY's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.