CPAY Stock Analysis: Buy, Sell, or Hold?
CPAY - Corpay, Inc.
$314.63
-7.71 (-2.39%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 04, 2026
3d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: CPAY shows positive signals but monitor for confirmation. Market pricing in 1.3% growth. Moderate conviction.
💡 BUY OPPORTUNITY: CPAY shows positive signals but monitor for confirmation. Market pricing in 1.3% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$500.69
Based on 10.1% avg growth
INTRINSIC VALUE TODAY
$310.89
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 12.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPAY is currently trading at $314.63, which is considered fair relative to its 30-day fair value range of $308.29 to $327.44. The stock's valuation (Forward PE: 13.0) is in line with its historical norms (12.6). At these levels, the market is pricing in 1.3% annual earnings growth. This is a high bar to clear, indicating the stock may be priced for perfection.
Technical Outlook: Technically, CPAY is in a uptrend. Immediate support is located at $305.19, while resistance sits at $331.55.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $361.23 (+12.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CPAY is in a uptrend. Immediate support is located at $305.19, while resistance sits at $331.55.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $361.23 (+12.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$308.29 -
$327.44
Company Quality Score
61/100
(BUY)
Options IV Signal
36th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
66.2%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 36th percentile)
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($361.23)
- BEARISH: Market expects 1.3% growth - appears too optimistic based on history
Fair Price Analysis
30-Day Fair Range
$308.29 -
$327.44
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$16.32
(5.2%)
Support & Resistance Levels
Support Level
$305.19
Resistance Level
$331.55
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
13.04
Wall Street Target
$361.23
(+12.1%)
Revenue Growth (YoY)
13.9%
Earnings Growth (YoY)
0.3%
Profit Margin
24.4%
Valuation Premium vs History
+1.3% premium
PE vs Historical
13.0 vs 12.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.3%
(market-implied from PE analysis)
1-Year Target
$326.53
(+1%)
2-Year Target
$330.78
(+3%)
3-Year Target
$335.08
(+4%)
3-Yr Target (if PE normalizes)
(PE: 13→13)
PE COMPRESSION
$323.66
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 16.1%)
$862.76
(+168%)
Base:
(SPY PE: 13.0, Growth: 16.1%)
$504.67
(+57%)
Bear:
(PE: 11.1, Growth: 16.1%)
$428.97
(+33%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (22x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 21.59 | Current EPS (TTM): $14.71
Bull Case
$586.95
(+87%)
Analyst growth 68.0%, PE expands to 23.8
Base Case
$533.59
(+70%)
Market implied 68.0%, PE stable at 21.6
Bear Case
$216.00
(-31%)
Severe decline -20.0%, PE contracts to 18.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 2:49 PM ET
Data refreshes hourly during market hours. Next update: 3:49 PM
Data refreshes hourly during market hours. Next update: 3:49 PM
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Technical Signals Check
Is CPAY showing a specific setup today?
Insider Activity (6 Months)
1
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
SELL
2025-09-29
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SELL
2025-09-05
Ro Khanna
BUY
2025-08-26
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Advanced CPAY Option Strategies
Professional options setups generated by AI based on today's CPAY price and gamma walls.
