CPAY Stock Analysis: Buy, Sell, or Hold?
CPAY - Corpay, Inc.
$328.23
-0.94 (-0.29%)
▼
5d:
-4.58%
30d:
-1.16%
90d:
-2.64%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Aug 05, 2026
Smart Money Distribution
CPAY is up 8.5% this week, but smart money is buying puts. Top strike: $300 2026-06-18 with 2 OI. Put ratio: 67% View Scanner →
Strength: 5.9/10
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1 traders called CPAY this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CPAY shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
✅ BUY SIGNAL: CPAY shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$539.15
Based on 9.2% avg growth
INTRINSIC VALUE TODAY
$334.77
2.0% Margin of Safety
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 11.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPAY is currently trading at $328.23, which is considered slightly high relative to its 30-day fair value range of $304.25 to $331.87. The stock's valuation (Forward PE: 10.7) is in line with its historical norms (11.4). Remarkably, the market is currently pricing in an annual earnings decline of 2.2% over the next few years. This pessimistic expectation contrasts with the company's recent 49.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CPAY is showing sideways momentum. Immediate support is located at $298.46, while resistance sits at $347.26.
Market Sentiment: CPAY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $388.54 (+18.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CPAY is showing sideways momentum. Immediate support is located at $298.46, while resistance sits at $347.26.
Market Sentiment: CPAY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $388.54 (+18.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$304.25 -
$331.87
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
78.8%
All Signals
- BULLISH: Options cheap (IV 0th percentile)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($388.54)
Trading Range Analysis
30-Day Trading Range
$304.25 -
$331.87
Current vs Trading Range
SLIGHTLY HIGH
Expected Move (7 Days)
±$17.47
(5.3%)
Support & Resistance Levels
Support Level
$298.46
Resistance Level
$347.26
Current Trend
Sideways
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.72
Wall Street Target
$388.54
(+18.4%)
Revenue Growth (YoY)
25.4%
Earnings Growth (YoY)
49.1%
Profit Margin
24.6%
Valuation Discount vs History
-2.2% cheaper
PE vs Historical
10.7 vs 11.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.2%
(market-implied from PE analysis)
1-Year Target
$321.01
(-2%)
2-Year Target
$313.95
(-4%)
3-Year Target
$307.04
(-7%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$326.45
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 14.3%)
$1008.56
(+207%)
Base:
(SPY PE: 10.7, Growth: 14.3%)
$489.98
(+49%)
Bear:
(PE: 9.1, Growth: 14.3%)
$416.49
(+27%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 19.84 | Current EPS (TTM): $16.70
Bull Case
$667.93
(+103%)
Analyst growth 83.3%, PE expands to 21.8
Base Case
$607.21
(+85%)
Market implied 83.3%, PE stable at 19.8
Bear Case
$225.25
(-32%)
Severe decline -20.0%, PE contracts to 16.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.7 to 11.4
Stabilization Target:
$348.98
(+6.3%)
PE Expansion Potential:
+6.3%
Share & Embed Analysis
Last updated: May 15, 2026 5:42 PM ET
Data refreshes hourly during market hours. Next update: 6:42 PM
Data refreshes hourly during market hours. Next update: 6:42 PM
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Technical Signals Check
Is CPAY showing a specific setup today?
Insider Activity (6 Months)
3
Buys
3
Sells
0
Net
NEUTRAL
Recent Transactions
Ro Khanna
BUY
2026-03-23
Ro Khanna
SELL
2026-03-10
Alissa B Vickery
SELL
1701 shares
2026-02-10
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Advanced CPAY Option Strategies
Professional options setups generated by AI based on today's CPAY price and gamma walls.
