Corpay, Inc. CPAY NYSE

Corpay, Inc. (CPAY) has shown moderate revenue growth over the past 3 years, expanding from $3.4B to $4.5B (average +9.8%/yr). Net income reached $1.1B, reflecting modest earnings improvement at +3.9%/yr on average. The net profit margin is 23.6%, which is high. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 69.9% (high), with a -7.8pp trend over the period. With a $22B market cap and MOAT composite score of 65/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (55/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 13-year history, the company was profitable in 13 of 13 years — a perfect long-term track record
• INCOME (85/100, Pass) — proves strong profitability and pricing power
• MOAT (65/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 65/100 with 3/7 criteria passed.