Overview
Discounted cash flow
Income / accounting-based
Multiples & assets
Scenario
Toolbox
Weighted blend
$4,380.92
+1110.87% vs spot
Strong Buy
Spot price
$361.80
Mkt cap $23.65B
subtle cardAnalyst PT consensus
$362.13
+0.09% vs spot
subtle cardMethods covered
14 / 16
11 in blend
subtle cardFootball field
CPAY · fair-value range by method
Method comparison
CPAY · fair value by valuation framework
| Method | Category | Fair value | Range | vs spot | Weight | Driver | Conf. |
|---|---|---|---|---|---|---|---|
| DCF · FCFF | dcf | $12,314.80 | $3,542.19 – $13,950.33 | +3303.76% | 24.4% | WACC 4.3%, g₀=25.0%, gₗ=3.8% | high |
| DCF · FCFE | dcf | $1,062.15 | $752.47 – $1,591.31 | +193.57% | 20.0% | kₑ 8.1%, g₀=25.0%, gₗ=3.8% | high |
| Residual income | income | $109.67 | $96.51 – $122.83 | -69.69% | 13.3% | BV 75.30, ROE 25.3% → kₑ | high |
| EVA / MVA | income | $10,855.80 | $9,553.10 – $12,158.49 | +2900.50% | 8.9% | IC 5.4B, WACC 4.3% | high |
| P/E · sector | multiple | $420.84 | $370.34 – $471.34 | +16.32% | 11.1% | EPS 15.03 × peer P/E 28.0 | med |
| P/S · sector | multiple | $483.84 | $411.27 – $556.42 | +33.73% | — | Rev/sh 80.64 × peer P/S 6.00 | med |
| EV / EBITDA | multiple | $812.96 | $715.41 – $910.52 | +124.70% | 11.1% | EBITDA × peer 20.0× − ND 1.1B | high |
| EV / EBIT | multiple | $814.17 | $692.04 – $936.29 | +125.03% | — | EBIT × peer 24.0× − ND | med |
| EV / Sales | multiple | $391.25 | $332.56 – $449.93 | +8.14% | 5.6% | Sales × peer 5.10× − ND | med |
| PEG-anchored | multiple | $601.20 | $511.02 – $691.38 | +66.17% | — | PEG=1, fwd EPS g 78.2% | med |
| Earnings power | intrinsic | $536.19 | $471.84 – $600.53 | +48.20% | 1.1% | NOPAT / WACC, no growth | med |
| Graham revised | intrinsic | $719.15 | $611.28 – $827.02 | +98.77% | 1.1% | EPS×(8.5+2g)·4.4/Y | low |
| Lynch P/E=g | intrinsic | $375.75 | $319.39 – $432.11 | +3.86% | 1.1% | PE = g (25.0) | low |
| Book NAV | asset | $75.30 | $71.54 – $79.07 | -79.19% | 2.2% | (Assets − Liabilities) / Shares | high |
| Liquidation | asset | — | — | — | — | Cash 100% + non-cash 70% − Liab. | low |
| Reverse DCF | reverse | — | — | — | — | Implied g -20.0% · Pessimistic — market pricing decline | high |
Cost-of-capital build-up
CAPM cost of equity, after-tax cost of debt, WACC. Risk-free as of 2026-05-12.
| Risk-free rate (US 10y Treasury)rf | 4.46% |
| Equity beta (0.82)β | × 0.82 |
| Equity risk premiumERP | 4.46% |
| Cost of equity (CAPM)kₑ | 8.10% |
| Pre-tax cost of debtkd | 3.99% |
| Effective tax ratet | 30.5% |
| After-tax cost of debt | 2.78% |
| Equity weight$4.2B | 29.5% |
| Debt weight$10.1B | 70.5% |
| WACC | 4.35% |
Growth assumptions
Blended forward growth used as DCF default; terminal pegged to long-run nominal GDP.
| Analyst forward revenue growthFMP | 17.11% |
| Analyst forward EPS growthFMP | 78.16% |
| Historical 5y revenue CAGRFY | 12.43% |
| Historical 5y EPS CAGRFY | 10.75% |
| Sustainable g (ROE × retention)Δ | 25.30% |
| Blended near-term growth (g₀) | 25.00% |
| Terminal growth (gₗ) | 3.85% |
Sources
- FMP /analyst-estimates— 8 rows(as of 2021-12-30)
- Treasury rates · 10y— 4.46% rf(as of 2026-05-12)
- market_risk_premium · DB— 4.46% ERP(as of 2026-05-13)
- Sector multiple defaults— Technology (live sector PE unavailable)
- FMP /price-target-consensus— mean $362.13
This page is generated by a quantitative valuation engine for research purposes only and does not constitute investment advice. Methodology follows standard CFA / Damodaran frameworks; assumptions are driven by analyst consensus from Financial Modeling Prep and reported financial statements.