Corpay Inc. (CPAY) — RQD Stock Rating Cockpit

$397.97 +0.53% NYSE • Public Delayed / 60s Snapshot

Corpay Inc. (CPAY) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The underlying business is intact, so current owners don’t need to panic-sell—but mixed big-money flow or rich pricing means new buyers can afford to wait for either a pullback or a B-or-higher upgrade.

ROARABLE C • HOLD / WATCH Cap $26.13B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw C- · Rk C
Cash (14)Whales (10)SEC (13)Macro (13)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$478 Bull$405 Base$316 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:56% Call Buyers ($2.6M)
44% PutsMax Pain: $390.00
RSI-14 MOMENTUMNEUTRAL RANGE
49.830 Oversold · 70 Hot
ALTMAN-Z SHIELDWATCH ZONE (1.8–3.0)
2.19>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE83% OF RANGE
L: $256$397.97H: $427
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (41% profit margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 22 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on CPAY

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

23.2% ROIC with 41.0% gross margin and 4.97% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 2.19 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (58)

Put/Call 0.80x with 22/40 institutional & insider flow.

Bull Case: Why Buyers Like CPAY
  • ✓Established market leader in Consumer Discretionary with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
🔴 SUNDAY NIGHT PREP • 7:00 PM ETHosted Live by Perry Belcher & Guest Trading Systems Desk

Today's Top 3 RQD Strong Buys & Whale Accumulation Setups (Live CPAY Tape Review)

  • ✓Live breakdown of today’s highest-scoring RQD Green-Light breakouts
  • ✓1 urgent Red-Light accounting trap to cut from your watchlist immediately
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RQD INSIDER CLUB UPGRADE$49/YEAR
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CPAY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +30.83%🛡️ HOLDING TREND SUPPORT
2026-10-30O $400.2H $403.4L $396.8C $400.9VOL 406.5K
RES: $414.3SUP: $392.2SMA50: $403.3SMA200: $355.5
$436.5$399.1$361.7$324.3$286.8RES $414.3SUP $392.2$400.92026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

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 →

CPAY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CPAY stock right now?

Corpay Inc. (CPAY) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid 41% profit margin (23% return on capital), mixed timing at 24x P/E—hold if owned, no rush to chase.

What is CPAY's 12-month price target and RQD AI Jury consensus?

CPAY's 12-month base price target is $405.13 (range $316 to $478.05), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.