MEDIUM confidence: 100% data completeness, but the composite (59) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-10.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $2.8B— | $3.4B+20.9% | $3.8B+9.6% | $4.0B+5.8% | $4.5B+13.9% |
| EPS (dil.) | $9.99— | $12.42+24.3% | $13.20+6.3% | $13.97+5.8% | $15.03+7.6% |
| Free Cash Flow | $1.1B— | $603M-44.4% | $1.9B+222.7% | $1.8B-9.3% | $1.3B-26.4% |
| Gross Margin | 80.2% | 77.7%-2.6pp | 78.2%+0.5pp | 78.1%-0.0pp | 69.9%-8.2pp |
| Operating Margin | 43.8% | 42.2%-1.6pp | 44.1%+1.9pp | 45.0%+0.9pp | 43.1%-1.9pp |
| Net Margin | 29.6% | 27.8%-1.8pp | 26.1%-1.7pp | 25.3%-0.9pp | 23.6%-1.6pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Avg target $444 (last qtr, 10 analysts) → $448 (last mo, 8) (+0.9%).
Buy-rated share 79% → 79% over ~3 months (+0pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Aug 2026 | $6.58 | $7.00 | +6.4% |
| May 2026 | $5.47 | $5.80 | +6.0% |
| Feb 2026 | $5.95 | $6.04 | +1.5% |
| Nov 2025 | $5.63 | $5.70 | +1.2% |
| Aug 2025 | $5.12 | $5.13 | +0.2% |
| May 2025 | $4.51 | $4.51 | +0.0% |
| Feb 2025 | $5.37 | $5.36 | -0.2% |
| Nov 2024 | $4.97 | $5.00 | +0.6% |
Net insider -$34.1M over 180 days (0 open-market buys, 7 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth below the analyst consensus of 12.3%/yr (revenue basis).
Base free cash flow $1.7B (avg FY2023–FY2025; latest year $1.3B) · equity value $27.1B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
The QScore of 59 for CPAY indicates a moderately attractive stock, driven by its strong momentum and lower risk profile, with a momentum score of 61 and a risk score of 75. The stock's value score is neutral, with a P/E of 24.9, while its growth score is relatively low, weighed down by a decline in free cash flow growth of 26.4%. The short-term and long-term scores are relatively aligned, with the short-term score slightly higher at 61, reflecting the stock's recent price appreciation of 33.9% over the past year.