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CPAY · NYSE · United States · Services-Business Services, Nec
In shortCORPAY, INC. is profitable, generates cash and carries heavy debt, with revenue growing (+13.9% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 44.0% | 100/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 23.6% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 30.5% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 8.0% | 54/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.98× | 15/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 3.44× | 0/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 4.58× | 0/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 4.94× | 33/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 1.87 | 20/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 28.7% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.21× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 6.2% | 88/100 |
| Operating margin volatility | 1.0% | 100/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 9.7% | 71/100 |
|---|---|---|
| EPS growth, 3-year average | 6.6% | 58/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 2,834 | 3,427 | 3,758 | 3,975 | 4,528 |
| Operating income | 1,243 | 1,447 | 1,657 | 1,787 | 1,994 |
| Interest expense | – | 165 | 349 | 383 | 404 |
| Pre-tax income | 1,109 | 1,276 | 1,325 | 1,385 | 1,542 |
| Income tax | 269 | 321 | 343 | 381 | 470 |
| Net income | 839 | 954 | 982 | 1,004 | 1,070 |
| Diluted EPS | $9.99 | $12.42 | $13.20 | $13.97 | $15.03 |
| Diluted shares (millions) | 84 | 77 | 74 | 72 | 71 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
1.87 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 10, 2026