Corpay, Inc.

BIT:1CPAY Stock Report

Market Cap: €19.9b

Corpay Valuation

Is 1CPAY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of 1CPAY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: 1CPAY (€290) is trading below our estimate of future cash flow value (€535.23)

Significantly Below Future Cash Flow Value: 1CPAY is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1CPAY?

Key metric: As 1CPAY is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1CPAY. This is calculated by dividing 1CPAY's market cap by their current earnings.
What is 1CPAY's PE Ratio?
PE Ratio22x
EarningsUS$1.07b
Market CapUS$23.58b

Price to Earnings Ratio vs Peers

How does 1CPAY's PE Ratio compare to its peers?

The above table shows the PE ratio for 1CPAY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13x
NEXI Nexi
12.4x17.84%€3.8b
PST Poste Italiane
13.8x6.13%€29.8b
BMED Banca Mediolanum
10.6x-1.79%€13.1b
BGN Banca Generali
15.2x2.97%€6.2b
1CPAY Corpay
22x19.36%€23.6b

Price-To-Earnings vs Peers: 1CPAY is expensive based on its Price-To-Earnings Ratio (22x) compared to the peer average (13x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does 1CPAY's PE Ratio compare vs other companies in the European Diversified Financial Industry?

9 CompaniesPrice / EarningsEstimated GrowthMarket Cap
1CPAY 22.0xIndustry Avg. 12.2xNo. of Companies16PE01224364860+
9 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 1CPAY is expensive based on its Price-To-Earnings Ratio (22x) compared to the European Diversified Financial industry average (12x).

Price to Earnings Ratio vs Fair Ratio

What is 1CPAY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

1CPAY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio22x
Fair PE Ratio19x

Price-To-Earnings vs Fair Ratio: 1CPAY is expensive based on its Price-To-Earnings Ratio (22x) compared to the estimated Fair Price-To-Earnings Ratio (19x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 1CPAY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€290.00
€324.08
+11.75%
6.52%€370.66€286.42n/a14
Feb ’27€258.00
€304.59
+18.06%
8.50%€371.01€265.61n/a13
Jan ’27€260.00
€297.57
+14.45%
9.14%€374.53€268.13n/a12
Dec ’26€256.00
€299.96
+17.17%
9.21%€380.56€272.44n/a11
Nov ’26€220.00
€317.11
+44.14%
9.35%€377.48€274.53n/a11
Oct ’26€246.00
€323.14
+31.36%
8.16%€374.79€272.58n/a11
Sep ’26€278.00
€329.23
+18.43%
9.38%€382.08€274.75n/a11
Aug ’26€272.00
€333.32
+22.55%
8.03%€378.87€280.96n/a12
Jul ’26€284.00
€336.81
+18.60%
8.02%€377.45€279.91n/a14
Jun ’26€290.00
€346.35
+19.43%
8.65%€391.96€290.66n/a15
May ’26€282.00
€350.68
+24.35%
7.18%€392.49€299.00n/a17
Apr ’26n/a
€383.75
0%
6.02%€415.94€341.99n/a17
Mar ’26n/a
€399.45
0%
6.02%€432.95€355.98n/a17
Feb ’26n/a
€390.72
0%
8.46%€432.18€316.93€258.0017
Jan ’26n/a
€378.15
0%
10.39%€419.23€295.37€260.0016
Dec ’25n/a
€374.28
0%
9.92%€419.23€295.37€256.0016
Nov ’25n/a
€337.33
0%
12.59%€393.04€245.07€220.0016
Oct ’25n/a
€295.06
0%
10.42%€338.51€238.58€246.0015
Sep ’25n/a
€289.41
0%
9.92%€337.95€238.18€278.0016
Aug ’25n/a
€299.52
0%
8.97%€346.52€244.22€272.0017
Jul ’25n/a
€299.63
0%
9.49%€350.85€247.27€284.0017
Jun ’25n/a
€300.57
0%
9.15%€345.81€243.72€290.0016
May ’25n/a
€307.28
0%
9.76%€351.26€247.56€282.0016
Apr ’25n/a
€296.48
0%
9.09%€327.77€235.44n/a16
Mar ’25n/a
€291.67
0%
7.81%€316.25€235.11n/a17
Feb ’25n/a
€282.77
0%
9.91%€317.45€222.12n/a17
€330.94
Fair Value
12.4% undervalued intrinsic discount
14
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/17 11:30
End of Day Share Price 2026/02/17 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Corpay, Inc. is covered by 32 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David KoningBaird
null nullBMO Capital Markets Equity Research
Rufus HoneBMO Capital Markets Equity Research