NYSE
According to Zyberno, Corpay, Inc (CPAY) shows a Value Trap signal — AVERAGE BUSINESS (61/100) with an apparent Margin of Safety of +35.1%, but a Brina Gap of -23.5% reveals the current price still assumes faster growth than the business can deliver.
According to Zyberno's DCF model, Corpay, Inc (CPAY) trades at $403.67 against an estimated intrinsic value per share of $622.12 — a +35.1% Margin of Safety based on Owner Earnings of $1.31B TTM, projected at 48.8% growth for 10 years with a 2.5% terminal growth rate. The Brina Gap of -23.5% weakens the case: based on the company's ROIC (10.3%) and reinvestment rate (-132.6%), the business can fundamentally grow at -13.7% — but the current enterprise value implies the market expects 9.8%. This places CPAY in the Value Trap quadrant of the Brina Matrix — a value-trap signal where the apparent discount is undermined by overpriced growth expectations. Zyberno's model translates this into a 5-year expected return of 30.8% annually.
Over the trailing twelve months, CPAY generated $1.31B in Owner Earnings. Capital was deployed as follows: $785.97M returned via share buybacks, $207.08M invested in capital expenditures. Reinvestment rate: -132.6%. Owner Earnings have grown at 48.8% annually over the trailing five years using log-linear regression.