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Stock Ratings / Consumer Discretionary / CPAY / earnings
FISV (57) TCOM (53) GPN (61) BR (77) ⌘ Pro Terminal →

Corpay Inc. (CPAY) Next Earnings Date & Expected ±4.4% Move

$400.94 +0.75% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $400.72

Corpay Inc. (CPAY) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →
ROARABLE C • HOLD / WATCH Cap $26.13B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CPAY Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CPAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-02, Corpay Inc. (NYSE: CPAY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $400.94 (+0.75% 1D, market cap $26.13B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, CPAY ranks #234 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CPAY compare to FISV and TCOM in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), CPAY carries a Roarable C (65/100 RQD), trailing P/E of 24.4x, gross margin of —, and ROIC of 23.2%. By comparison, FISV (Fiserv Inc.) holds a D+ grade (57/100 RQD, P/E 7.4x, ROIC 9.6%, cap $25.78B) and TCOM (Trip.com Group Limited) posts a D+ grade (53/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.28B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CPAY?
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Per CPAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001175454), Corpay Inc. generated $4.53B in revenue (+13.9% YoY), $1.07B in net income, and $1.30B in free cash flow against $26.41B in total assets and $6.18B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $400.74 (-0.05%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 28.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk D+
Cash (14)Whales (13)SEC (11)Macro (10)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+3.2% Base Target
$488 Bull$414 Base$323 Bear
📬 FREE CPAY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPAY)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY CPAY SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 28.7% FCF Margin ($1.30B FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (47.2) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
57
Grade C$399.10+2.3% Next Q
Q2 (-2Q)
60
Grade C$408.36-2.8% Next Q
Q3 (-1Q)
62
Grade C+$397.02+1% Next Q
Current
65
Grade C$400.94+1.3% Hist 90D α
Trajectory: C (57) → C (65)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CPAY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, CPAY faces multiple-compression risk if 24.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($402.57) or 200D SMA ($356.17) invalidates the momentum regime and cuts Target Base ($413.57) toward Bear Floor ($322.58).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CPAY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CPAY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±4.4% Swing Band

±$17.64 Expected Swing
$383.30 (-4.4%)Spot $400.94$418.58 (+4.4%)
MODEL EARNINGS SETUP GAUGE

CPAY Quantitative Pre-Earnings Setup: 65/100

Trailing EPS: $16.30 • YoY Revenue Growth: 13.9%

Model Bullish Setup (65/100)Model Risk Weight (35/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$4.53B$1.07B$1.30B52%
FY 20242024-12-31$3.97B$1.00B$1.77B52%
FY 20232023-12-31$3.76B$982.0M$1.93B52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CPAY & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on CPAY
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
CPAY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +28.99%🛡️ HOLDING TREND SUPPORT
2026-11-02O $395.9H $400.9L $395.9C $400.9VOL 732.8K
RES: $413.7SUP: $393.5SMA50: $402.6SMA200: $356.2
$436.5$399.1$361.7$324.3$286.8RES $413.7SUP $393.5$400.92026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CPAY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CPAY Butterfly Map → + Track CPAY →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
18.1%/yr Implied 5Y Growth

vs. +13.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CPAY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CPAY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CPAY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPAY)

Consumer Discretionary Rank #234 of 1011 ⚔️ FISV vs CPAY Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (CPAY vs. FISV, TCOM, GPN, BR)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Corpay Inc. (CPAY) ranks #234 by composite RQD confidence (65/100, grade C) and #77 by equity capitalization ($26.13B). Within this direct 5-issuer industry benchmark cohort, TCOM leads on earnings valuation at 5.1x trailing P/E, while CPAY leads on capital efficiency and profitability with 23.2% ROIC and — gross margin. BR currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with CPAY at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CPAY ACTIVE
Corpay Inc.
C 65/100 24.4x — 23.2% +0.75% $26.13B Benchmark Subject
FISV
Fiserv Inc.
D+ 57/100 7.4x — 9.6% +3.18% $25.78B /fisv-vs-cpay →
TCOM
Trip.com Group Limited
D+ 53/100 5.1x 80.6% 8.8% +2.67% $24.28B /tcom-vs-cpay →
GPN
Global Payments Inc.
C- 61/100 16.2x 72.6% 5.1% +12.97% $22.68B /gpn-vs-cpay →
BR
Broadridge Financial Solutions Inc.
B+ 77/100 24.0x 31.0% 18.1% +0.38% $20.11B /br-vs-cpay →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001175454

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Corpay Inc. (CPAY) reported GAAP revenue of $4.53B (+13.9% vs. FY2024 revenue of $3.97B , and +20.5% cumulative change since FY2023) , GAAP net income of $1.07B, operating cash flow of $1.50B, and free cash flow of $1.30B (-26.4% YoY). On the balance sheet, CPAY closed FY2025 with $26.41B in total assets against $6.18B in total debt (Altman Z-Score: 2.19, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.53B $1.07B $1.50B $1.30B $26.41B $6.18B
FY2024 (FY) 2024-12-31 $3.97B $1.00B $1.94B $1.77B $17.96B $4.20B
FY2023 (FY) 2023-12-31 $3.76B $982.0M $2.10B $1.93B $14.37B $3.36B

3. CPAY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CPAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Corpay Inc. (NYSE: CPAY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $400.94 (+0.75% 1D, market cap $26.13B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, CPAY ranks #234 in composite RQD confidence.

How does CPAY compare to FISV and TCOM in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), CPAY carries a Roarable C (65/100 RQD), trailing P/E of 24.4x, gross margin of —, and ROIC of 23.2%. By comparison, FISV (Fiserv Inc.) holds a D+ grade (57/100 RQD, P/E 7.4x, ROIC 9.6%, cap $25.78B) and TCOM (Trip.com Group Limited) posts a D+ grade (53/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.28B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CPAY?

Per CPAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001175454), Corpay Inc. generated $4.53B in revenue (+13.9% YoY), $1.07B in net income, and $1.30B in free cash flow against $26.41B in total assets and $6.18B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CPAY trading relative to its 50-day, 200-day, and 52-week technical levels?

CPAY last traded at $400.94 (+0.75% on volume of 406,782 shares), positioning the stock -0.40% below its 50-day simple moving average ($402.57) and +12.57% above its 200-day simple moving average ($356.17). Across its 52-week range of $256.17 to $427.46, CPAY sits at the 84.5% percentile with a 14-day RSI of 47.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($383.30 to $418.58).

CPAY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CPAY's next earnings date?

Based on SEC filing cadence, Corpay Inc. (CPAY)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CPAY stock expected to move on earnings?

Volatility modeling currently projects a ±4.4% event move for CPAY, spanning a range between $383.3 and $418.58.

Direct Sub-Reports: CPAY RQD Cockpit CPAY 12M Forecast CPAY Earnings & Move CPAY Dividends & DRIP CPAY Insiders & 13F CPAY Whale Options CPAY Profit Sankey CPAY News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

CPAY — Corpay Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:12:50Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, CPAY scores 65 out of 100, a letter grade of C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

  • Fundamental Cash Engine (14 / 20): Per the RQD rating, this pillar reflects ROIC of 23.2% and an FCF yield of 4.97%. Strong capital returns are offset by a yield that is not especially high relative to the current price.
  • Whale 13F Flow (13 / 20): Per the RQD rating, this pillar captures institutional accumulation and options positioning. The score is moderate, indicating neither a strong institutional tailwind nor a clear distribution signal in the source data.
  • Insider Conviction (17 / 20): Per the RQD rating, this is the highest-scoring pillar, based on SEC Form 4 and Congressional PTR cluster flow. It is the strongest individual input to the overall grade.
  • Macro Regime Fit (10 / 20): Per the RQD rating, this pillar reflects a beta of 1.11 and sector sensitivity. A beta above 1.0 means the stock has tended to move somewhat more than the broader market, which amplifies both upside and drawdown exposure.
  • Forensic Balance Sheet (11 / 20): Per the RQD rating, this pillar draws on an Altman Z-Score of 2.19, a Piotroski F-Score of 7/9, and Debt/Equity of 1.37. The Piotroski reading is solid; the leverage level and Altman reading keep this pillar below the midpoint.

Taken together, the pillar profile suggests a company with strong operating economics and encouraging insider activity, offset by moderate leverage and a beta above market. For a prospective investor, the implications are: upside is linked to continued cash generation and insider signals; valuation is a tradeoff, since the trailing P/E of 24.4 sits above the forward P/E of 20.5, implying expected earnings growth per the market data; and balance sheet leverage and market sensitivity are the main sources of downside risk. The "Hold" verdict reflects this balance rather than a directional call.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
397.97$26.13B24.420.513.416.30%1.11$256.17 - $427.4623.2%

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$4528.4M$1994.1M$1070.0MN/A$1299.1M$2408.1M$6179.5M
FY 2024$3974.6M$1787.2M$1004.0MN/A$1765.4M$1553.6M$4201.9M
FY 2023$3757.7M$1656.9M$982.0MN/A$1932.0MN/A$3363.0M

Per the SEC financials, revenue grew from $3757.7M in FY 2023 to $4528.4M in FY 2025, while net income rose from $982.0M to $1070.0M over the same span. Reported net margin is 23.6% and operating margin is 44%, per the market data. Per the market data, ROIC is 23.2%. Per the RQD rating, the Altman Z-Score is 2.19 and the Piotroski F-Score is 7/9. Debt rose from $3363.0M in FY 2023 to $6179.5M in FY 2025, and Debt/Equity is 1.37 per the RQD rating; FY 2025 FCF was $1299.1M, below FY 2024's $1765.4M.

Open Questions

  • What are the company's specific product lines, customer segments, and revenue mix behind the reported Business Services classification?
  • What is the FY 2025 EPS figure, which is listed as N/A across all reported periods?
  • What is the composition of the rise in debt from $3363.0M to $6179.5M, and how does it relate to the decline in FCF from FY 2024 to FY 2025?
  • What are the terms and financial scale of the Newcastle partnership referenced in the news wire?
  • What do the individual SEC Form 4 and 13F filings contain, and what is the analyst consensus price target?

CPAY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Corpay Inc. (CPAY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CPAY Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CPAY Bull vs. Bear Conversation Board — What's Your Call at $400.94?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CPAY 🐻 50% BEARISH CONVICTION
1. Pick Your Side on CPAY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $429.81 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is CPAY (C • RQD 65/100) a Buy at $397.97?

Welcome to the CPAY (Corpay Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Business Services. Bulls point to capital efficiency (23.2% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $306.44 (-23.0%)
Spot @ $397.97

Pump the brakes on CPAY — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CPAY, but look at what you are paying: 24.4x trailing P/E with tightening sector spreads. Unless Corpay Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $501.44 (+26.0%)
Spot @ $397.97

CPAY cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CPAY, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $397.97 (52-wk range $256.17 - $427.46), any beat on forward guidance forces shorts and underweight funds to chase.

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