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CPAY Corpay, Inc.

NYSE, CIK 0001175454, fiscal year ends 12/31. Last price 408.46 on 2026-10-23, market value 26.8 billion dollars.

Machine-readable: CPAY.json, CPAY.md. Sections: Graham Defensive, Magic Formula, Momentum, Insider, Buffett Quality, Lynch GARP, Graham Enterprising, Piotroski F-Score, earnings record, insiders, filings and links.

Philosophy	Score	Status	Current inputs as of	History used	Price	Verification	Rules
Graham Defensive	30	ok	2025-12-31 stale: Revenue	2014–2025	2026-10-23	0 verified, 22 unverified	method
Magic Formula	n/a	insufficient data (invested capital not positive (negative working capital exceeds fixed assets))	—	—	—	—	method
Momentum	85	ok	2026-10-23	—	2026-10-23	—	method
Insider	0	ok	2026-10-23	—	—	—	method
Buffett Quality	78	ok	2026-06-30	2016–2025	2026-10-23	0 verified, 47 unverified	method
Lynch GARP	44	ok	2026-06-30	2020–2025	2026-10-23	0 verified, 5 unverified	method
Graham Enterprising	25	ok	2026-06-30	2020–2025	2026-10-23	0 verified, 10 unverified	method
Piotroski F-Score	44 partial, missing 5	partial: 5	—	2024–2026	—	0 verified, 23 unverified	method

Market value, source trail

market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used

Input	Value	Unit	Period / date	Source
Traded price	408.46	USD per traded unit (share or ADS)	2026-10-23	Yahoo Finance
SEC shares outstanding	65,659,599	underlying shares	2026-07-31	SEC cover page 10-Q 0001175454-26-000050 (65,659,599 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/cpay-20260630.htm 0001175454-26-000050
Depositary ratio	1.0	underlying shares per traded unit		domestic 10-K filer; SEC shares are the traded units
Market value price date × latest reported shares	26,819,319,808	USD	2026-10-23 shares at 2026-07-31	408.46 (price 2026-10-23) / 1 x 65,659,599 (shares at 2026-07-31) = 26,819,319,808

Graham Defensive

30 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Adequate size	4.53 revenue $B	>= 1	5.0 / 5
2a Current ratio	0.97	>= 2.0	0.0 / 15
2b Long-term debt vs working capital working capital not positive	— LTD / WC	<= 1.0	0.0 / 15
3 Positive earnings each of 10 years	10 of 10	10 of 10	15.0 / 15
4 Dividends every year for 20 years	0 of 20 missing 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 XBRL check: 0 years agree, 20 unverified	20 of 20	0.0 / 15
5 EPS growth, 3-yr avg now vs 10 yrs ago	4.28 -> 14.07 (+229%)	>= +33%	10.0 / 10
6 P/E on 3-year average EPS	29.0	<= 15	0.0 / 15
7 P/B <= 1.5, or P/E x P/B <= 22.5	P/B 7.57, product 219.9	<= 1.5 or <= 22.5	0.0 / 10

Inputs, 24 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	408.46	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
Revenue	4528403000.0	2025-12-31 stale	SEC XBRL Revenues 0001175454-26-000018	unverified
debt_incl_current	10623531000.0	2026-06-30	SEC XBRL LongTermDebt 0001175454-26-000050	unverified
current_assets	16483992000.0	2026-06-30	SEC XBRL AssetsCurrent 0001175454-26-000050	unverified
current_liabilities	16959099000.0	2026-06-30	SEC XBRL LiabilitiesCurrent 0001175454-26-000050	unverified
equity	3541884000.0	2026-06-30	SEC XBRL StockholdersEquity 0001175454-26-000050	unverified
Net income FY2016	452385000.0	2016-12-31 history	SEC XBRL NetIncomeLoss 0001175454-19-000004	unverified
Net income FY2017	740200000.0	2017-12-31 history	SEC XBRL NetIncomeLoss 0001175454-20-000008	unverified
Net income FY2018	811483000.0	2018-12-31 history	SEC XBRL NetIncomeLoss 0001175454-21-000022	unverified
Net income FY2019	895073000.0	2019-12-31 history	SEC XBRL NetIncomeLoss 0001628280-22-004531	unverified
Net income FY2020	704216000.0	2020-12-31 history	SEC XBRL NetIncomeLoss 0001628280-23-005444	unverified
Net income FY2021	839497000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-24-008060	unverified
Net income FY2022	954327000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-25-008746	unverified
Net income FY2023	981890000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Net income FY2024	1003746000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Net income FY2025	1069826000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Dividend years (Yahoo)	[]	history	Yahoo Finance dividend history	unverified
EPS diluted FY2014	4.24	2014-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-17-000005	unverified
EPS diluted FY2015	3.85	2015-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-18-000007	unverified
EPS diluted FY2016	4.75	2016-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-19-000004	unverified
EPS diluted FY2023	13.2	2023-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-26-000018	unverified
EPS diluted FY2024	13.97	2024-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-26-000018	unverified
EPS diluted FY2025	15.03	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-26-000018	unverified
Shares outstanding	65659599.0	2026-07-31	SEC cover page 10-Q 0001175454-26-000050 (65,659,599 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/cpay-20260630.htm 0001175454-26-000050	not cross-checked

Magic Formula

insufficient data (invested capital not positive (negative working capital exceeds fixed assets)). How this is scored.

insufficient data (invested capital not positive (negative working capital exceeds fixed assets)).

Momentum

85 of 100. ok. How this is scored.

Test or factor	Value	Points
12-1 month return	38.9 % (percentile 83.3)	41.6 / 50
6 month return	30.3 % (percentile 87.7)	17.5 / 20
Price / 52-week high	0.961	14.4 / 15
Volatility penalty (60d annualised)	22.0 %	11.3 / 15

Inputs, 1 numbers with their sources

Input	Value	Period	Source	Check
Adjusted close series (14 months)	408.46	2026-10-23	Yahoo Finance / Alpaca Market Data daily history	not cross-checked

Insider

0 of 100. ok. How this is scored. Form 4 data loaded through 2026-10-23

Test or factor	Value	Points
Open-market buy value / market cap (percentile among buyers)	0.0 bp	0.0 / 35
Distinct buyers	0	0.0 / 25
Buyer seniority	0.0	0.0 / 20
Recency (half-life 30d)	0.0	0.0 / 10
Sales penalty (excludes 10b5-1 plan sales)	42.3 bp	-9.9 / 0

Inputs, 36 numbers with their sources

Input	Value	Period	Source	Check
Form 4 S Clarke Ronald 2026-08-25	2807124.24	2026-08-25	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-25	4971471.04	2026-08-25	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-25	6408956.75	2026-08-25	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-25	20837445.36	2026-08-25	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-25	10199071.4	2026-08-25	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-25	3971995.17	2026-08-25	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-25	80116.23	2026-08-25	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-24	16784.8	2026-08-24	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-24	1691775.54	2026-08-24	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-24	3154413.6	2026-08-24	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-24	3508991.6100000003	2026-08-24	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-24	21552615.28	2026-08-24	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-24	2436089.12	2026-08-24	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Clarke Ronald 2026-08-24	6877662.8	2026-08-24	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-21	1585201.05	2026-08-21	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-20	107250.59999999999	2026-08-20	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-20	4120814.96	2026-08-20	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-20	3410776.96	2026-08-20	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-20	362947.89	2026-08-20	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-20	244211.18	2026-08-20	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-20	367752.63	2026-08-20	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-19	807147.6	2026-08-19	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-19	671317.6	2026-08-19	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-19	16496.8	2026-08-19	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-19	147686.4	2026-08-19	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-18	75046.47	2026-08-18	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-18	1075272.96	2026-08-18	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-18	1565980.0	2026-08-18	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-18	3936000.0	2026-08-18	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-18	1010125.56	2026-08-18	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-18	186636.45	2026-08-18	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Stull Steven T 2026-08-18	77433.44	2026-08-18	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S King Alan 2026-08-14	2988248.76	2026-08-14	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Farrelly Joseph W 2026-08-13	726717.5299999999	2026-08-13	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Farrelly Joseph W 2026-08-12	717124.98	2026-08-12	SEC Form 4 (insider transactions data set)	not cross-checked
Form 4 S Farrelly Joseph W 2026-08-12	729162.0	2026-08-12	SEC Form 4 (insider transactions data set)	not cross-checked

Buffett Quality

78 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Average return on equity (net income / year-end equity)	28.2% over 8 yrs	>= 15%	25.0 / 25
2 Profitable every year	10 of 10	all years	15.0 / 15
3 Net income growth, 3-yr average now vs start of window	+6.2% a year	>= +10%	6.2 / 10
4 Borrowings / 3-yr average earnings (years to repay) LongTermDebt (incl. current maturities)	10.4 years	<= 4	0.0 / 15
5 Operating margin, 5-yr average	43.8%	>= 20%	10.0 / 10
6 Free cash flow / net income, 5-yr (operating cash flow minus capex)	1.38	>= 1.0	10.0 / 10
7 Owner-earnings yield (3-yr avg free cash flow / market cap)	6.2%	>= 7%	12.1 / 15

Inputs, 49 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	408.46	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
Net income FY2018	811483000.0	2018-12-31 history	SEC XBRL NetIncomeLoss 0001175454-21-000022	unverified
Equity at FY2018 end	3340180000.0	2018-12-31 history	SEC XBRL StockholdersEquity 0001628280-22-004531	unverified
Net income FY2019	895073000.0	2019-12-31 history	SEC XBRL NetIncomeLoss 0001628280-22-004531	unverified
Equity at FY2019 end	3711616000.0	2019-12-31 history	SEC XBRL StockholdersEquity 0001628280-23-005444	unverified
Net income FY2020	704216000.0	2020-12-31 history	SEC XBRL NetIncomeLoss 0001628280-23-005444	unverified
Equity at FY2020 end	3355411000.0	2020-12-31 history	SEC XBRL StockholdersEquity 0001628280-24-008060	unverified
Net income FY2021	839497000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-24-008060	unverified
Equity at FY2021 end	2866580000.0	2021-12-31 history	SEC XBRL StockholdersEquity 0001628280-24-008060	unverified
Net income FY2022	954327000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-25-008746	unverified
Equity at FY2022 end	2541493000.0	2022-12-31 history	SEC XBRL StockholdersEquity 0001628280-24-046515	unverified
Net income FY2023	981890000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Equity at FY2023 end	3282359000.0	2023-12-31 history	SEC XBRL StockholdersEquity 0001628280-25-008746	unverified
Net income FY2024	1003746000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Equity at FY2024 end	3122342000.0	2024-12-31 history	SEC XBRL StockholdersEquity 0001175454-26-000018	unverified
Net income FY2025	1069826000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Equity at FY2025 end	3883864000.0	2025-12-31 history	SEC XBRL StockholdersEquity 0001175454-26-000050	unverified
Net income FY2016	452385000.0	2016-12-31 history	SEC XBRL NetIncomeLoss 0001175454-19-000004	unverified
Net income FY2017	740200000.0	2017-12-31 history	SEC XBRL NetIncomeLoss 0001175454-20-000008	unverified
Net income FY2018	811483000.0	2018-12-31 history	SEC XBRL NetIncomeLoss 0001175454-21-000022	unverified
Net income FY2019	895073000.0	2019-12-31 history	SEC XBRL NetIncomeLoss 0001628280-22-004531	unverified
Net income FY2020	704216000.0	2020-12-31 history	SEC XBRL NetIncomeLoss 0001628280-23-005444	unverified
Net income FY2021	839497000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-24-008060	unverified
Net income FY2022	954327000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-25-008746	unverified
Net income FY2023	981890000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Net income FY2024	1003746000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Net income FY2025	1069826000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
debt_incl_current	10623531000.0	2026-06-30	SEC XBRL LongTermDebt 0001175454-26-000050	unverified
Operating income FY2021	1242556000.0	2021-12-31 history	SEC XBRL OperatingIncomeLoss 0001628280-24-008060	unverified
Revenue FY2021	2833736000.0	2021-12-31 history	SEC XBRL Revenues 0001628280-24-008060	unverified
Operating income FY2022	1446641000.0	2022-12-31 history	SEC XBRL OperatingIncomeLoss 0001628280-25-008746	unverified
Revenue FY2022	3427129000.0	2022-12-31 history	SEC XBRL Revenues 0001628280-25-008746	unverified
Operating income FY2023	1656873000.0	2023-12-31 history	SEC XBRL OperatingIncomeLoss 0001175454-26-000018	unverified
Revenue FY2023	3757719000.0	2023-12-31 history	SEC XBRL Revenues 0001175454-26-000018	unverified
Operating income FY2024	1787157000.0	2024-12-31 history	SEC XBRL OperatingIncomeLoss 0001175454-26-000018	unverified
Revenue FY2024	3974589000.0	2024-12-31 history	SEC XBRL Revenues 0001175454-26-000018	unverified
Operating income FY2025	1994108000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001175454-26-000018	unverified
Revenue FY2025	4528403000.0	2025-12-31 history	SEC XBRL Revenues 0001175454-26-000018	unverified
Operating cash flow FY2021	1197063000.0	2021-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001628280-24-008060	unverified
Capital expenditure FY2021	111530000.0	2021-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001628280-24-008060	unverified
Operating cash flow FY2022	754797000.0	2022-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001628280-25-008746	unverified
Capital expenditure FY2022	151428000.0	2022-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001628280-25-008746	unverified
Operating cash flow FY2023	2101132000.0	2023-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001175454-26-000018	unverified
Capital expenditure FY2023	153822000.0	2023-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001175454-26-000018	unverified
Operating cash flow FY2024	1940565000.0	2024-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001175454-26-000018	unverified
Capital expenditure FY2024	175176000.0	2024-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001175454-26-000018	unverified
Operating cash flow FY2025	1499901000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001175454-26-000018	unverified
Capital expenditure FY2025	200756000.0	2025-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001175454-26-000018	unverified
Shares outstanding	65659599.0	2026-07-31	SEC cover page 10-Q 0001175454-26-000050 (65,659,599 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/cpay-20260630.htm 0001175454-26-000050	not cross-checked

Lynch GARP

44 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 PEG: P/E divided by 5-yr EPS growth (in % points)	2.07	<= 1.0	0.0 / 30
2 EPS growth, 5-yr compound rate	+13.1% a year	12% to 35% a year	20.0 / 20
3 P/E on latest annual EPS	27.2	<= 25	8.5 / 10
4 Borrowings / equity LongTermDebt (incl. current maturities)	3.0	<= 0.5	0.0 / 15
5 Years of the last 5 in which EPS rose	5 of 5	5 of 5	15.0 / 15
6 Net cash (cash minus borrowings) / market cap	-27.8%	>= +10%	0.0 / 10

Inputs, 6 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	408.46	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
EPS diluted FY2025	15.03	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-26-000018	unverified
EPS diluted FY2020	8.12	2020-12-31 history	SEC XBRL EarningsPerShareDiluted 0001628280-23-005444	unverified
debt_incl_current	10623531000.0	2026-06-30	SEC XBRL LongTermDebt 0001175454-26-000050	unverified
equity	3541884000.0	2026-06-30	SEC XBRL StockholdersEquity 0001175454-26-000050	unverified
cash	3163539000.0	2026-06-30	SEC XBRL CashAndCashEquivalentsAtCarryingValue 0001175454-26-000050	unverified

Graham Enterprising

25 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Current ratio	0.97	>= 1.5	0.0 / 15
2 Borrowings vs working capital working capital not positive	—	<= 1.1x	0.0 / 15
3 No earnings deficit in the last 5 years	5 of 5 profitable	5 of 5	15.0 / 15
4 Pays a current dividend	no	yes	0.0 / 10
5 EPS higher than five years earlier	8.12 -> 15.03	higher	10.0 / 10
6 Price / book value per share book value used because intangibles are not separated in the dataset (Graham uses net tangible assets)	7.57	<= 1.2	0.0 / 20
7 Price / net current asset value per share (current assets minus all liabilities) net current asset value not positive	—	<= 0.67	0.0 / 15

Inputs, 13 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	408.46	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
current_assets	16483992000.0	2026-06-30	SEC XBRL AssetsCurrent 0001175454-26-000050	unverified
current_liabilities	16959099000.0	2026-06-30	SEC XBRL LiabilitiesCurrent 0001175454-26-000050	unverified
Net income FY2021	839497000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-24-008060	unverified
Net income FY2022	954327000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001628280-25-008746	unverified
Net income FY2023	981890000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Net income FY2024	1003746000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Net income FY2025	1069826000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
Dividend years (Yahoo)	[]	history	Yahoo Finance dividend history	not cross-checked
EPS diluted FY2025	15.03	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001175454-26-000018	unverified
EPS diluted FY2020	8.12	2020-12-31 history	SEC XBRL EarningsPerShareDiluted 0001628280-23-005444	unverified
equity	3541884000.0	2026-06-30	SEC XBRL StockholdersEquity 0001175454-26-000050	unverified
Shares outstanding	65659599.0	2026-07-31	SEC cover page 10-Q 0001175454-26-000050 (65,659,599 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/cpay-20260630.htm 0001175454-26-000050	not cross-checked

Piotroski F-Score

44 of 100. partial: 5. How this is scored.

Test or factor	Value	Threshold	Points
1 Return on assets is positive	4.1%	pass = 1	11.11111111111111 / 11.11111111111111
2 Operating cash flow is positive	1,500M	pass = 1	11.11111111111111 / 11.11111111111111
3 Return on assets improved on the prior year	5.6% -> 4.1%	pass = 1	0.0 / 11.11111111111111
4 Operating cash flow exceeds net income (accruals)	1,500M vs 1,070M	pass = 1	11.11111111111111 / 11.11111111111111
5 Long-term debt / assets fell an input is not reported for one of the two years	—	pass = 1	None / 11.11111111111111
6 Current ratio improved	1.00 -> 0.98	pass = 1	0.0 / 11.11111111111111
7 No new shares issued (share count did not rise)	71M -> 66M	pass = 1	11.11111111111111 / 11.11111111111111
8 Operating margin improved (stand-in for gross margin, which the dataset does not carry)	45.0% -> 44.0%	pass = 1	0.0 / 11.11111111111111
9 Asset turnover (revenue / assets) improved	0.22 -> 0.17	pass = 1	0.0 / 11.11111111111111

Inputs, 23 numbers with their sources

Input	Value	Period	Source	Check
net_income 2025-12-31	1069826000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
total_assets 2025-12-31	26408135000.0	2025-12-31 history	SEC XBRL Assets 0001175454-26-000050	unverified
cfo 2025-12-31	1499901000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001175454-26-000018	unverified
net_income 2025-12-31	1069826000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
net_income 2024-12-31	1003746000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
total_assets 2025-12-31	26408135000.0	2025-12-31 history	SEC XBRL Assets 0001175454-26-000050	unverified
total_assets 2024-12-31	17957031000.0	2024-12-31 history	SEC XBRL Assets 0001175454-26-000018	unverified
cfo 2025-12-31	1499901000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001175454-26-000018	unverified
net_income 2025-12-31	1069826000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001175454-26-000022) 0001175454-26-000018	unverified
current_assets 2025-12-31	13963240000.0	2025-12-31 history	SEC XBRL AssetsCurrent 0001175454-26-000050	unverified
current_assets 2024-12-31	8675869000.0	2024-12-31 history	SEC XBRL AssetsCurrent 0001175454-26-000018	unverified
current_liabilities 2025-12-31	14296677000.0	2025-12-31 history	SEC XBRL LiabilitiesCurrent 0001175454-26-000050	unverified
current_liabilities 2024-12-31	8707881000.0	2024-12-31 history	SEC XBRL LiabilitiesCurrent 0001175454-26-000018	unverified
shares_out 2026-07-31	65659599.0	2026-07-31 history	SEC XBRL EntityCommonStockSharesOutstanding 0001175454-26-000050	unverified
shares_out 2025-08-04	70614383.0	2025-08-04 history	SEC XBRL EntityCommonStockSharesOutstanding 0001175454-25-000018	unverified
operating_income 2025-12-31	1994108000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001175454-26-000018	unverified
operating_income 2024-12-31	1787157000.0	2024-12-31 history	SEC XBRL OperatingIncomeLoss 0001175454-26-000018	unverified
revenue 2025-12-31	4528403000.0	2025-12-31 history	SEC XBRL Revenues 0001175454-26-000018	unverified
revenue 2024-12-31	3974589000.0	2024-12-31 history	SEC XBRL Revenues 0001175454-26-000018	unverified
revenue 2025-12-31	4528403000.0	2025-12-31 history	SEC XBRL Revenues 0001175454-26-000018	unverified
revenue 2024-12-31	3974589000.0	2024-12-31 history	SEC XBRL Revenues 0001175454-26-000018	unverified
total_assets 2025-12-31	26408135000.0	2025-12-31 history	SEC XBRL Assets 0001175454-26-000050	unverified
total_assets 2024-12-31	17957031000.0	2024-12-31 history	SEC XBRL Assets 0001175454-26-000018	unverified

Earnings record

SEC XBRL, by fiscal year (named by the calendar year it ends in); EPS split-adjusted to today's shares; each row links to the filing.

FY	Ended	Revenue, $M	Net income, $M	EPS diluted	Dividend	Filing
2013	2013-12-31	895	285	3.36	none	0001193125-16-485752
2014	2014-12-31	1,199	369	4.24	none	0001175454-17-000005
2015	2015-12-31	1,703	362	3.85	none	0001175454-18-000007
2016	2016-12-31	1,832	452	4.75	none	0001175454-19-000004
2017	2017-12-31	2,250	740	7.91	none	0001175454-20-000008
2018	2018-12-31	2,433	811	8.81	none	0001175454-21-000022
2019	2019-12-31	2,649	895	9.94	none	0001628280-22-004531
2020	2020-12-31	2,389	704	8.12	none	0001628280-23-005444
2021	2021-12-31	2,834	839	9.99	none	0001628280-24-008060
2022	2022-12-31	3,427	954	12.42	none	0001628280-25-008746
2023	2023-12-31	3,758	982	13.2	none	0001175454-26-000018
2024	2024-12-31	3,975	1,004	13.97	none	0001175454-26-000018
2025	2025-12-31	4,528	1,070	15.03	none	0001175454-26-000018

Insider transactions

SEC Form 4 open-market purchases and sales from the insider data sets; latest 20.

Date	Insider	Role	Type	Shares	Price	Value
2026-08-25	Clarke Ronald	CEO	sale	6,854	409.56	2,807,124
2026-08-25	Clarke Ronald	CEO	sale	12,109	410.56	4,971,471
2026-08-25	Clarke Ronald	CEO	sale	15,575	411.49	6,408,957
2026-08-25	Clarke Ronald	CEO	sale	50,504	412.59	20,837,445
2026-08-25	Clarke Ronald	CEO	sale	24,670	413.42	10,199,071
2026-08-25	Clarke Ronald	CEO	sale	9,581	414.57	3,971,995
2026-08-25	Clarke Ronald	CEO	sale	193	415.11	80,116
2026-08-24	Clarke Ronald	CEO	sale	40	419.62	16,785
2026-08-24	Clarke Ronald	CEO	sale	4,039	418.86	1,691,776
2026-08-24	Clarke Ronald	CEO	sale	7,545	418.08	3,154,414
2026-08-24	Clarke Ronald	CEO	sale	8,409	417.29	3,508,992
2026-08-24	Clarke Ronald	CEO	sale	51,919	415.12	21,552,615
2026-08-24	Clarke Ronald	CEO	sale	5,882	414.16	2,436,089
2026-08-24	Clarke Ronald	CEO	sale	16,540	415.82	6,877,663
2026-08-21	King Alan	Pres	sale	3,805	416.61	1,585,201
2026-08-20	King Alan	Pres	sale	258	415.70	107,251
2026-08-20	King Alan	Pres	sale	9,928	415.07	4,120,815
2026-08-20	King Alan	Pres	sale	8,237	414.08	3,410,777
2026-08-20	Stull Steven T	director	sale	879	412.91	362,948
2026-08-20	Stull Steven T	director	sale	589	414.62	244,211

Filings and links

Third-party sites are linked only; nothing from them is stored here.

SEC: filing index, 8-K, Form 4, XBRL companyfacts
Prices: Yahoo Finance, Stooq
Elsewhere: morningstar, finviz, stockanalysis, seeking alpha, openinsider, google news

Cite as: The Claude Trader snapshot 2026-10-26, https://theclaudetrader.com/s/CPAY; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-23. Data last checked 2026-10-26.