CPAY
Corpay, Inc.
NYSEUSDEQUITY
Technology
DELAYED
Buy
+47/100
Last price
406.79
▲ 5.07 (1.26%)
MARKET · —
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Open
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Prev close
401.72
Day high
406.92
Day low
401.64
Volume
372.91K
Market cap
$26.71B
P/E (TTM)
24.73
52W range
252.84 – 427.46
Trailing performance
Returnvs SPY
1W
+3.59%
+1.6%
1M
-2.30%
-3.5%
3M
+17.62%
+13.1%
6M
+37.27%
+19.1%
YTD
+35.18%
+20.9%
1Y
+41.08%
+24.7%
3Y
+59.31%
-22.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CPAY open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+399.93K
Net buying
Buy transactions
8
767.34K shares
Sell transactions
11
367.41K shares
Net transactions
+19
Buys less sells
Sell : buy shares
0.5 : 1
Mixed
Insider-held shares
2.48M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 25, 26 | CLARKE RONALD F Chief Executive Officer |
SELL | 213.86K | $88.51M | Direct |
| Aug 21, 26 | KING ALAN Officer |
SELL | 3.81K | $1.59M | Direct |
| Aug 21, 26 | CLARKE RONALD F Chief Executive Officer |
CONVERSION | 450.00K | $67.83M | Direct |
| Aug 20, 26 | STULL STEVEN T Director |
SELL | 2.36K | $974.91K | Direct |
| Aug 20, 26 | KING ALAN Officer |
SELL | 18.42K | $7.64M | Direct |
| Aug 20, 26 | KING ALAN Officer |
CONVERSION | 18.42K | $3.61M | Direct |
| Aug 19, 26 | STULL STEVEN T Director |
SELL | 4.64K | $1.91M | Direct |
| Aug 18, 26 | KING ALAN Officer |
SELL | 25.79K | $10.65M | Direct |
| Aug 18, 26 | KING ALAN Officer |
CONVERSION | 25.79K | $6.29M | Direct |
| Aug 13, 26 | FARRELLY JOSEPH W. Director |
SELL | 5.30K | $2.17M | Direct |
| Jul 15, 26 | WALKER PETER JAMES Chief Financial Officer |
STOCK | 1.51K | $0 | Direct |
| Jun 15, 26 | NETTO ARMANDO LINS Officer |
SELL | 70.48K | $24.82M | Direct |
| Jun 15, 26 | NETTO ARMANDO LINS Officer |
CONVERSION | 70.48K | $15.67M | Direct |
| Jun 11, 26 | NETTO ARMANDO LINS Officer |
SELL | 4.56K | $1.60M | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CLARKE RONALD F |
Chief Executive Officer | 2.35M | Sale |
FARRELLY JOSEPH W. |
Director | 6.91K | Sale |
KING ALAN |
Officer | 20.73K | Sale |
MACCHIA RICHARD |
Director | 13.68K | Stock Award(Grant) |
MODDELMOG HALA G |
Director | 8.50K | Stock Award(Grant) |
NETTO ARMANDO LINS |
Officer | 11.27K | Sale |
PANTHER THOMAS E |
Chief Financial Officer | 5.64K | Stock Award(Grant) |
SLOAN JEFFREY STEVEN |
Director | 13.36K | Stock Award(Grant) |
STULL STEVEN T |
Director | 27.49K | Sale |
WALKER PETER JAMES |
Chief Financial Officer | 6.54K | Stock Award(Grant) |
Fundamentals
Market cap$26.71B
Enterprise value$34.63B
Revenue (TTM)$5.02B
Gross profit$4.04B
EBITDA$2.80B
Net income$1.13B
EPS (TTM)$16.45
Free cash flow$1.95B
Total cash$3.18B
Total debt$10.74B
Book value / share$53.95
Shares outstanding65.66M
Float63.09M
Short % of float4.94%
Dividend yield0.00%
Beta (5Y)0.89
Valuation & profitability ratios
Trailing P/E24.73
Forward P/E12.91
PEG ratio0.77
Price / sales—
Price / book7.54
EV / revenue6.90
EV / EBITDA12.38
Gross margin80.54%
Operating margin46.92%
Profit margin22.72%
Return on equity29.22%
Return on assets6.32%
Debt / equity275.29
Current ratio0.97
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $4.53B | $3.97B | $3.76B | $3.43B | +13.9% |
| Operating revenue | $4.53B | $3.97B | $3.76B | $3.43B | +13.9% |
| Cost of revenue | $969.18M | $869.09M | $819.91M | $764.71M | +11.5% |
| Gross profit | $3.56B | $3.11B | $2.94B | $2.66B | +14.6% |
| Selling, general & admin | $1.21B | $997.78M | $943.58M | $893.22M | +21.5% |
| Total operating expense | $1.61B | $1.35B | $1.28B | $1.22B | +19.1% |
| Operating income | $1.95B | $1.76B | $1.66B | $1.45B | +11.2% |
| Net interest income | -$403.85M | -$383.04M | -$348.61M | -$164.66M | -5.4% |
| Pre-tax income | $1.54B | $1.39B | $1.33B | $1.28B | +11.3% |
| Tax provision | $469.73M | $381.38M | $343.12M | $321.33M | +23.2% |
| Net income | $1.07B | $1.00B | $981.89M | $954.33M | +6.6% |
| Net income to common | $1.07B | $1.00B | $981.89M | $954.33M | +6.6% |
| Basic EPS | 15.23 | 14.27 | 13.42 | 12.62 | +6.7% |
| Diluted EPS | 15.03 | 13.97 | 13.20 | 12.42 | +7.6% |
| EBIT | $1.95B | $1.77B | $1.67B | $1.44B | +10.0% |
| EBITDA | $2.34B | $2.12B | $2.01B | $1.76B | +10.4% |
| Basic shares | 70.14M | 70.33M | 73.16M | 75.60M | -0.3% |
| Diluted shares | 71.06M | 71.85M | 74.39M | 76.86M | -1.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $2.41B | $1.55B | $1.39B | $1.44B | +55.0% |
| Cash & short-term investments | $2.41B | $1.55B | $1.39B | $1.44B | +55.0% |
| Accounts receivable | $2.15B | $2.09B | $2.16B | $2.06B | +2.6% |
| Total current assets | $13.96B | $8.68B | $7.08B | $6.11B | +60.9% |
| Property, plant & equipment | $472.31M | $377.70M | $343.15M | $294.69M | +25.0% |
| Goodwill & intangibles | $10.80B | $8.40B | $7.73B | $7.33B | +28.7% |
| Total assets | $26.41B | $17.96B | $15.48B | $14.09B | +47.1% |
| Total current liabilities | $14.30B | $8.71B | $6.83B | $6.04B | +64.2% |
| Current debt | $3.35B | $2.77B | $2.13B | $2.31B | +20.8% |
| Long-term debt | $6.66B | $5.23B | $4.60B | $4.72B | +27.4% |
| Total debt | $10.00B | $8.00B | $6.72B | $7.04B | +25.1% |
| Total liabilities | $22.18B | $14.81B | $12.19B | $11.55B | +49.7% |
| Retained earnings | $10.26B | $9.20B | $8.19B | $7.21B | +11.6% |
| Shareholder equity | $3.88B | $3.12B | $3.28B | $2.54B | +24.4% |
| Working capital | -$333.44M | -$32.01M | $258.51M | $62.70M | -941.6% |
| Net tangible assets | -$6.92B | -$5.27B | -$4.45B | -$4.79B | -31.2% |
| Shares issued | 132.19M | 131.43M | 128.76M | 127.80M | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $1.07B | $1.00B | $981.89M | $954.33M | +6.8% |
| Depreciation & amortisation | $393.30M | $351.09M | $336.60M | $322.28M | +12.0% |
| Stock-based compensation | $102.64M | $116.72M | $116.09M | $121.42M | -12.1% |
| Change in working capital | -$162.42M | $447.85M | $593.90M | -$752.50M | -136.3% |
| Operating cash flow | $1.50B | $1.94B | $2.10B | $754.80M | -22.7% |
| Capital expenditure | -$200.76M | -$175.18M | -$153.82M | -$151.43M | -14.6% |
| Investing cash flow | $1.23B | -$807.48M | -$380.72M | -$368.35M | +252.0% |
| Share buybacks | -$782.82M | -$1.29B | -$686.86M | -$1.41B | +39.2% |
| Financing cash flow | $1.56B | $404.99M | -$898.21M | -$311.23M | +285.6% |
| Free cash flow | $1.30B | $1.77B | $1.95B | $603.37M | -26.4% |
| End cash position | $8.99B | $4.46B | $3.14B | $2.29B | +101.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $1.34B | $1.26B | $1.25B | $1.17B | $1.10B | +6.2% |
| Operating revenue | $1.34B | $1.26B | $1.25B | $1.17B | $1.10B | +6.2% |
| Cost of revenue | $275.17M | $272.06M | $260.06M | $248.76M | $238.52M | +1.1% |
| Gross profit | $1.06B | $988.92M | $988.17M | $923.72M | $863.51M | +7.6% |
| Selling, general & admin | $374.28M | $352.01M | $358.49M | $296.24M | $292.77M | +6.3% |
| Total operating expense | $592.47M | $474.18M | $465.96M | $400.60M | $384.12M | +24.9% |
| Operating income | $471.18M | $514.74M | $522.21M | $523.12M | $479.39M | -8.5% |
| Net interest income | -$114.72M | -$110.10M | -$113.02M | -$100.03M | -$96.87M | -4.2% |
| Pre-tax income | $344.72M | $505.02M | $399.38M | $421.70M | $393.09M | -31.7% |
| Tax provision | $92.93M | $151.30M | $133.76M | $143.32M | $109.01M | -38.6% |
| Net income | $248.31M | $350.07M | $264.48M | $277.94M | $284.17M | -29.1% |
| Net income to common | $248.31M | $350.07M | $264.48M | $277.94M | $284.17M | -29.1% |
| Basic EPS | 3.75 | 5.14 | 3.79 | 3.95 | 4.03 | -27.0% |
| Diluted EPS | 3.70 | 5.07 | 3.75 | 3.91 | 3.98 | -27.0% |
| EBIT | $459.44M | $615.12M | $512.39M | $521.74M | $489.96M | -25.3% |
| EBITDA | $577.74M | $729.94M | $629.00M | $614.90M | $581.31M | -20.9% |
| Basic shares | 65.54M | 67.54M | 69.38M | 70.32M | 70.55M | -3.0% |
| Diluted shares | 66.33M | 68.44M | 70.12M | 71.13M | 71.43M | -3.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $3.16B | $2.54B | $2.41B | $2.01B | $2.19B | +24.7% |
| Cash & short-term investments | $3.16B | $2.54B | $2.41B | $2.01B | $2.19B | +24.7% |
| Accounts receivable | $4.96B | $2.63B | $2.15B | $4.41B | $4.24B | +88.4% |
| Total current assets | $16.48B | $14.64B | $13.96B | $10.11B | $10.76B | +12.6% |
| Property, plant & equipment | $472.32M | $468.54M | $472.31M | $453.10M | $434.32M | +0.8% |
| Goodwill & intangibles | $10.07B | $10.40B | $10.80B | $8.65B | $8.71B | -3.2% |
| Total assets | $28.22B | $26.66B | $26.41B | $19.74B | $20.44B | +5.8% |
| Total current liabilities | $16.96B | $14.99B | $14.30B | $8.91B | $9.64B | +13.1% |
| Current debt | $4.53B | $3.75B | $3.35B | $2.30B | $2.25B | +20.6% |
| Long-term debt | $6.10B | $6.61B | $6.66B | $5.82B | $5.87B | -7.7% |
| Total debt | $10.62B | $10.36B | $10.00B | $8.12B | $8.12B | +2.5% |
| Total liabilities | $24.32B | $22.80B | $22.18B | $15.63B | $16.47B | +6.7% |
| Retained earnings | $10.86B | $10.61B | $10.26B | $10.00B | $9.72B | +2.3% |
| Shareholder equity | $3.54B | $3.51B | $3.88B | $4.08B | $3.93B | +0.9% |
| Working capital | -$475.11M | -$352.17M | -$333.44M | $1.20B | $1.12B | -34.9% |
| Net tangible assets | -$6.53B | -$6.89B | -$6.92B | -$4.57B | -$4.78B | +5.2% |
| Shares issued | 65.66M | 132.34M | 132.19M | 132.16M | 132.12M | -50.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $251.79M | $353.71M | $265.62M | $278.38M | $284.08M | -28.8% |
| Depreciation & amortisation | $118.30M | $114.83M | $116.60M | $93.16M | $91.35M | +3.0% |
| Stock-based compensation | $32.01M | $27.50M | $27.81M | $27.59M | $28.87M | +16.4% |
| Change in working capital | $990.02M | -$531.85M | $379.56M | -$814.95M | $728.05M | +286.1% |
| Operating cash flow | $1.47B | -$56.62M | $812.74M | -$378.93M | $1.14B | +2,696.4% |
| Capital expenditure | -$54.44M | -$51.09M | -$52.44M | -$50.91M | -$52.64M | -6.5% |
| Investing cash flow | -$47.66M | $369.12M | $1.51B | -$60.28M | -$38.72M | -112.9% |
| Share buybacks | -$326.56M | -$785.97M | -$500.24M | -$191.71M | -$32.16M | +58.5% |
| Financing cash flow | -$3.49M | -$416.17M | $1.66B | -$180.64M | -$63.94M | +99.2% |
| Free cash flow | $1.42B | -$107.71M | $760.30M | -$429.84M | $1.09B | +1,414.3% |
| End cash position | $10.17B | $8.82B | $8.99B | $4.91B | $5.53B | +15.3% |
Options analytics
Put / call volume
2.25
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
310.00
-23.8% from spot
ATM implied vol
1.6%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
8
Contracts, this expiry
Put volume
18
Contracts, this expiry
Heaviest call OI
370.00
0 contracts
Heaviest put OI
310.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 6.58 | 7.00 | +6.3% |
| Mar 2026 | 5.47 | 5.80 | +6.0% |
| Dec 2025 | 5.94 | 6.04 | +1.7% |
| Sep 2025 | 5.64 | 5.70 | +1.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 7.19 | 16 | $1.36B | +15.8% |
| Next quarter | 7.41 | 15 | $1.36B | +9.0% |
| Current year | 27.39 | 16 | $5.32B | +17.4% |
| Next year | 31.51 | 16 | $5.78B | +8.8% |
Analyst targets & ownership
Mean target$461.00
High target$536.00
Low target$390.00
Implied upside13.33%
Analyst count15
ConsensusBUY
Strong buy / Buy5 / 8
Hold3
Sell / Strong sell0 / 0
Held by insiders3.78%
Held by institutions100.64%
Institutions holding1.07K
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
396.40
+2.62% from price
SMA 20
400.08
+1.68% from price
SMA 50
402.85
+0.98% from price
SMA 100
377.54
+7.75% from price
SMA 200
347.67
+17.00% from price
EMA 12
398.44
+2.10% from price
EMA 26
399.71
+1.77% from price
EMA 50
395.08
+2.96% from price
RSI (14)
56.7
Neutral
MACD (12,26,9)
-1.27
Hist 0.19
ATR (14)
7.69
1.89% of price
Realised vol 30D
17.9%
Annualised
Bollinger upper
413.40
20, 2σ
Bollinger lower
386.75
20, 2σ
50 / 200 cross
Golden
402.85 vs 347.67
Trend bias
Above 200
+17.00%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.85
Less volatile than market
Correlation to SPY
0.30
Loosely linked
Realised vol 30D
17.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-20.2%
Peak to trough
Max drawdown 5Y
-41.6%
Peak to trough
ATR 14
7.69
1.89% of price
Beta (reported)
0.89
5Y monthly, from filing
Short interest
Shares short
3.12M
Prior 2.51M
Change vs prior
+24.1%
Shorts adding
% of float
4.94%
Normal
% of shares out
4.75%
Against total outstanding
Days to cover
7.5
Crowded exit
Float
63.09M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 2, 26 | Scotiabank | INITIATED | — | Sector Outperform |
| Aug 31, 26 | RBC Capital | MAINTAINED | Sector Perform | Sector Perform |
| Aug 25, 26 | Wolfe Research | MAINTAINED | Outperform | Outperform |
| Aug 10, 26 | Cantor Fitzgerald | MAINTAINED | Overweight | Overweight |
| Aug 6, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Aug 6, 26 | UBS | MAINTAINED | Neutral | Neutral |
| Aug 6, 26 | RBC Capital | MAINTAINED | Sector Perform | Sector Perform |
| Aug 6, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 28, 26 | Morgan Stanley | MAINTAINED | Overweight | Overweight |
| May 19, 26 | Loop Capital | INITIATED | — | Buy |
| Mar 31, 26 | Baird | MAINTAINED | Outperform | Outperform |
| Feb 10, 26 | UBS | MAINTAINED | Neutral | Neutral |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-05-22
Corporate Changes & Voting Matters
8-K · 2026-05-12
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-27
Headlines
Corpay Cross-Border Extends Exclusive Partnership with WBSC
Business Wire · 21h ago
Autonomous Research Adjusts Price Target on Corpay to $431 From $430, Keeps Outperform Rating
MT Newswires · 21h ago
Why Corpay (CPAY) Is Back In The Spotlight
Simply Wall St. · 3d ago
1 Cash-Producing Stock with Impressive Fundamentals and 2 We Brush Off
StockStory · 8d ago
Can Core Growth Help CPAY Sustain Its Strong Revenue Momentum?
Zacks · 9d ago
Corpay Expands Its AI Agent Team to Give Businesses More Control Over Spend
Business Wire · 13d ago
3 Reasons We Love Corpay (CPAY)
StockStory · 13d ago
Here's Why You Should Hold Corpay's Stock in Your Portfolio Now
Zacks · 16d ago
PRIVATE STRATEGY · BY QUALIFICATION
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