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"source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361107/" }, { "txn_date": "2026-08-20", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 8237.0, "price": 414.08, "value": 3410776.96, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361107/" }, { "txn_date": "2026-08-20", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 879.0, "price": 412.91, "value": 362947.89, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361115/" }, { "txn_date": "2026-08-20", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 589.0, "price": 414.62, "value": 244211.18, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361115/" }, { "txn_date": "2026-08-20", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 889.0, "price": 413.67, "value": 367752.63, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361115/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 1960.0, "price": 411.81, "value": 807147.6, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 1640.0, "price": 409.34, "value": 671317.6, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 40.0, "price": 412.42, "value": 16496.8, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 360.0, "price": 410.24, "value": 147686.4, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 183.0, "price": 410.09, "value": 75046.47, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 2617.0, "price": 410.88, "value": 1075272.96, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 3800.0, "price": 412.1, "value": 1565980.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 9600.0, "price": 410.0, "value": 3936000.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 2463.0, "price": 410.12, "value": 1010125.56, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 455.0, "price": 410.19, "value": 186636.45, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-18", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 188.0, "price": 411.88, "value": 77433.44, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-14", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 7122.0, "price": 419.58, "value": 2988248.76, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-13", "insider_name": "Farrelly Joseph W", "role": "director", "code": "S", "shares": 1751.0, "price": 415.03, "value": 726717.5299999999, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526352221/" }, { "txn_date": "2026-08-12", "insider_name": "Farrelly Joseph W", "role": "director", "code": "S", "shares": 1749.0, "price": 410.02, "value": 717124.98, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526352221/" }, { "txn_date": "2026-08-12", "insider_name": "Farrelly Joseph W", "role": "director", "code": "S", "shares": 1800.0, "price": 405.09, "value": 729162.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526352221/" }, { "txn_date": "2026-06-15", "insider_name": "Netto Armando Lins", "role": "Pres", "code": "S", "shares": 70476.0, "price": 352.13, "value": 24816713.88, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526273107/" }, { "txn_date": "2026-06-11", "insider_name": "Netto Armando Lins", "role": "Pres", "code": "S", "shares": 4560.0, "price": 351.6, "value": 1603296.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526269414/" }, { "txn_date": "2026-06-02", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 1000.0, "price": 360.78, "value": 360780.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526271566/" }, { "txn_date": "2026-05-29", "insider_name": "Netto Armando Lins", "role": "Pres", "code": "S", "shares": 2694.0, "price": 357.02, "value": 961811.88, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526248364/" } ], "links": { "sec_filings": "https://www.sec.gov/edgar/browse/?CIK=0001175454", "sec_xbrl_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001175454.json", "sec_form4": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001175454&type=4", "sec_8k": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001175454&type=8-K", "yahoo": "https://finance.yahoo.com/quote/CPAY", "stooq": "https://stooq.com/q/d/?s=cpay.us", "external_views_link_only": { "morningstar": "https://www.morningstar.com/search?query=CPAY", "finviz": "https://finviz.com/quote.ashx?t=CPAY", "stockanalysis": "https://stockanalysis.com/stocks/cpay/", "seeking_alpha": "https://seekingalpha.com/symbol/CPAY", "openinsider": "http://openinsider.com/search?q=CPAY", "google_news": "https://news.google.com/rss/search?q=CPAY+stock" } }, "machine_readable": { "json": "https://theclaudetrader.com/s/CPAY.json", "markdown": "https://theclaudetrader.com/s/CPAY.md", "research_packet": "https://theclaudetrader.com/r/CPAY.json", "index": "https://theclaudetrader.com/llms.txt" }, "dossier": null, "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.", "disclaimer": "Scores are deterministic rule outputs from public filings. fair_value_model is a labelled model estimate from the same filings (method at /fair-value), not an opinion or recommendation.", "fair_value_model": { "fair_value": 454.33, "fv_low": 135.06, "fv_high": 611.49, "fv_gap_pct": 11.2, "fv_verdict": "green", "fv_methods": 3, "fv_as_of": "2026-10-23", "fv_calculated_on": "2026-10-26", "fv_inputs_through": "2026-08-10", "fv_skipped": null, "unit": "per traded unit (share or ADS), same currency as the price", "methods": { "dcf": { "value": 611.4940437424735, "growth_used": 0.1, "fcf_avg": 1670614666.6666667, "inputs": { "fcf": { "value": 1670614666.6666667, "years": [ 2023, 2024, 2025 ], "by_year": [ 1947310000.0, 1765389000.0, 1299145000.0 ], "cfo": [ { "value": 2101132000.0, "tag": "SEC XBRL NetCashProvidedByUsedInOperatingActivities", "period_end": "2023-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/" }, { "value": 1940565000.0, "tag": "SEC XBRL NetCashProvidedByUsedInOperatingActivities", "period_end": "2024-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/" }, { "value": 1499901000.0, "tag": "SEC XBRL NetCashProvidedByUsedInOperatingActivities", "period_end": "2025-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/" } ], "capex": [ { "value": 153822000.0, "tag": "SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment", "period_end": "2023-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/" }, { "value": 175176000.0, "tag": "SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment", "period_end": "2024-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/" }, { "value": 200756000.0, "tag": "SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment", "period_end": "2025-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/" } ] }, "revenue_cagr_5y": { "value": 0.13645189195144858, "from": { "value": 2388855000.0, "tag": "SEC XBRL Revenues", "period_end": "2020-12-31", "accession": "0001628280-23-005444", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000162828023005444/" }, "to": { "value": 4528403000.0, "tag": "SEC XBRL Revenues", "period_end": "2025-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/" } }, "shares": { "value": 65659599.0, "tag": "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", "period_end": "2026-07-31", "accession": "0001175454-26-000050", "filed": "2026-08-10", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/R1.htm" } } }, "earnings": { "value": 454.3327777777777, "pe_used": 30.228395061728392, "pe_raw": 30.228395061728392, "pe_basis": "SIC 73 peer median excluding itself (47 peers)", "inputs": { "eps": { "fy": 2025, "value": 15.03, "tag": "SEC XBRL EarningsPerShareDiluted", "period_end": "2025-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/", "value_reported": 15.03, "split_factor": 1.0 } } }, "graham": { "value": 135.0637498439654, "inputs": { "eps": { "fy": 2025, "value": 15.03, "tag": "SEC XBRL EarningsPerShareDiluted", "period_end": "2025-12-31", "accession": "0001175454-26-000018", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/", "value_reported": 15.03, "split_factor": 1.0 }, "bvps": { "value": 53.94312566544916, "equity": { "value": 3541884000.0, "tag": "SEC XBRL StockholdersEquity", "period_end": "2026-06-30", "accession": "0001175454-26-000050", "filed": null, "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/" }, "shares": 65659599.0 } } } }, "method_note": "Median of up to three methods from SEC filings: owner-earnings DCF (3-yr avg FCF, 10-yr two-stage, growth = min(5-yr revenue CAGR, 10%) fading to 2.5%, 9% discount), trailing EPS x SIC-peer median P/E (8-35), Graham number. Model estimate, not advice.", "discount_rate": 0.09, "terminal_growth": 0.025, "verdict_rule": "green: fair value more than 10% above price; red: more than 10% below; amber: within 10%", "page": "https://theclaudetrader.com/fair-value" } }