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Held by 646 of 5,944 reporting institutions (98th percentile) — extremely crowded.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $404.26 today, the market must believe free cash flow compounds 9.7%/yr for a decade (off $1.7B normalized FCF).
The market's 9.7% is more optimistic than its 9-yr track record.
2-stage DCF · 0.07B shares · net debt $10.9B
mean 23.3% · volatility σ 80% · implied rate exceeded in 4/9 yrs
Central path = implied 9.7%/yr growth; shaded band = ±1σ (80%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
5/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Interest coverage is thin — monitor; leverage rising year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $783M buybacks = $783M returned on $1.3B FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A balanced mix of reinvestment and shareholder returns.
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 6%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $2.4B covers the $2.3B due within a year 1.0× over. Scheduled principal only (excludes interest & revolver draws). As of 2022-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Coverage is adequate but not comfortable. Effective rate ~3.0% on $13.3B of debt.
Cash of $2.4B is below short-term debt of $3.3B — relies on refinancing/operations.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-09-17
Where each multiple sits in its own 14-yr range · 57th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Low operating leverage — profit tracks sales closely (stable, less cyclical).
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| SG&A | 16.0 | 15.4 | 15.7 | 17.1 | 17.0 | 16.1 | 15.5 | 16.2 |
| Operating Income | 44.8 | 46.5 | 40.7 | 43.8 | 42.2 | 44.1 | 45.0 | 44.0 |
| Income Tax | 11.7 | 6.9 | 7.5 | 9.5 | 9.4 | 9.1 | 9.6 | 10.4 |
| Net Income | 33.3 | 33.8 | 29.5 | 29.6 | 27.8 | 26.1 | 25.3 | 23.6 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on CPAY: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.53B 100.0% | $3.97B 100.0% | $3.76B 100.0% | $3.43B 100.0% | $2.83B 100.0% | $2.39B 100.0% | $2.65B 100.0% | $2.43B 100.0% | $2.25B 100.0% | $1.83B 100.0% |
| Cost of Revenue | — | — | — | — | — | — | — | — | $96.8M 4.3% | $91.6M 5.0% |
| Cost of Products | — | — | — | — | — | — | — | — | $96.8M 4.3% | $91.6M 5.0% |
| Selling, General & Admin | $733.0M 16.2% | $616.9M 15.5% | $603.4M 16.1% | $584.1M 17.0% | $485.8M 17.1% | $374.7M 15.7% | $407.2M 15.4% | $389.2M 16.0% | $387.7M 17.2% | $283.6M 15.5% |
| Operating Income | $1.99B 44.0% | $1.79B 45.0% | $1.66B 44.1% | $1.45B 42.2% | $1.24B 43.8% | $972.3M 40.7% | $1.23B 46.5% | $1.09B 44.8% | $883.8M 39.3% | $754.2M 41.2% |
| Interest Expense | $403.8M 8.9% | $383.0M 9.6% | $348.6M 9.3% | $164.7M 4.8% | — | — | — | — | — | — |
| Other Income (Expense), net | -$452.4M -10.0% | -$402.0M -10.1% | -$331.9M -8.8% | -$171.0M -5.0% | -$133.7M -4.7% | -$89.7M -3.8% | -$153.6M -5.8% | $4.4M 0.2% | $9.8M 0.4% | -$111.2M -6.1% |
| Pretax Income | $1.54B 34.0% | $1.39B 34.8% | $1.33B 35.3% | $1.28B 37.2% | $1.11B 39.1% | $882.5M 36.9% | $1.08B 40.7% | $1.10B 45.0% | $893.6M 39.7% | $642.9M 35.1% |
| Income Tax Expense | $469.7M 10.4% | $381.4M 9.6% | $343.1M 9.1% | $321.3M 9.4% | $269.3M 9.5% | $178.3M 7.5% | $182.7M 6.9% | $283.6M 11.7% | $153.4M 6.8% | $190.5M 10.4% |
| Net Income | $1.07B 23.6% | $1.00B 25.3% | $982.0M 26.1% | $954.0M 27.8% | $839.0M 29.6% | $704.2M 29.5% | $895.1M 33.8% | $811.5M 33.3% | $740.2M 32.9% | $452.4M 24.7% |
| Per Share | ||||||||||
| EPS (Basic) | $15.23 | $14.27 | $13.42 | $12.62 | $10.23 | $8.38 | $10.36 | $9.14 | $8.12 | $4.89 |
| EPS (Diluted) | $15.03 | $13.97 | $13.20 | $12.42 | $9.99 | $8.12 | $9.94 | $8.81 | $7.91 | $4.75 |
| Weighted Avg Shares (Basic) | 70.1M | 70.3M | 73.2M | 75.6M | 82.1M | 84.0M | 86.4M | 88.8M | 91.1M | 92.6M |
| Weighted Avg Shares (Diluted) | 71.1M | 71.8M | 74.4M | 76.9M | 84.1M | 86.7M | 90.1M | 92.2M | 93.6M | 95.2M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Ranked against 743 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| TSM | $11.16T | — | — | — | — | — | — | — | — | — | 3,121 |
| NVDA | $5.33T | 44.8× | 40.0× | 24.7× | 65.5% | 71.1% | 55.6% | 76.3% | 72.4% | 0.1× | 5,582 |
| AAPL | $4.98T | 45.2× | 34.8× | 12.0× | 6.4% | 46.9% | 26.9% | 152% | 68.1% | 0.6× | 5,858 |
| MSFT | $3.70T | 27.7× | 19.6× | 11.1× | 17.8% | 67.9% | 40.3% | 30.2% | 27.7% | 0.2× | 5,944 |
| AVGO | $1.65T | 72.8× | 65.1× | 25.8× | 23.9% | 67.8% | 36.2% | 28.4% | 15.8% | 2.5× | 4,442 |
| MU | $1.10T | 128.8× | 60.7× | 29.3× | 48.9% | 39.8% | 22.8% | 15.8% | 12.9% | 0.7× | 2,894 |
| AMD | $888.5B | 205.7× | 210.2× | 25.6× | 34.3% | 49.5% | 12.5% | 6.9% | 6.5% | 0.8× | 3,059 |
| INTC | $543.3B | — | 67.4× | 10.3× | -0.5% | 34.8% | -0.5% | -0.2% | -0.2% | 5.5× | 2,495 |
| CSCO | $436.6B | 43.2× | 36.6× | 7.7× | 5.3% | 64.9% | 18.0% | 21.7% | 13.6% | 2.3× | 3,560 |
| PLTR | $421.4B | 279.8× | 291.6× | 94.2× | 56.2% | 82.4% | 36.3% | 22.0% | 22.0% | — | 2,883 |
| DELL | $383.6B | 67.8× | 36.1× | 3.4× | 18.8% | 20.0% | 5.2% | -240% | 20.4% | 2.8× | 1,564 |
| LRCX | $341.7B | 64.9× | 54.5× | 18.5× | 23.7% | 48.7% | 29.1% | 54.3% | 37.4% | 0.7× | 2,500 |
| RPAY | $338.0B | — | — | 1092.8× | -1.2% | 75.0% | -83.0% | -53.0% | -28.2% | -1.7× | 142 |
| AMAT | $331.0B | 48.2× | 38.1× | 11.7× | 4.4% | 48.7% | 24.7% | 34.3% | 25.9% | 0.8× | 2,826 |
| UMC | $307.4B | — | — | — | — | — | — | — | — | — | 302 |
| ARM | $281.9B | 311.6× | 242.9× | 57.3× | 22.8% | 97.5% | 18.4% | 10.9% | 10.9% | — | 730 |
| SAP | $262.5B | — | — | — | — | — | — | — | — | — | 794 |
| ANET | $250.7B | 72.6× | 63.3× | 27.8× | 28.6% | 64.1% | 39.0% | 28.4% | 28.4% | — | 1,930 |
| PANW | $250.5B | 234.4× | 156.5× | 27.2× | 14.9% | 73.4% | 12.3% | 14.5% | 14.5% | — | 2,374 |
| SNDK | $235.7B | — | — | 32.0× | 10.4% | 30.1% | -22.3% | -17.8% | -14.8% | -1.5× | 1,127 |
| TXN | $234.6B | 47.4× | 30.9× | 13.3× | 13.0% | 57.0% | 28.3% | 30.7% | 16.5% | 1.8× | 2,345 |
| CRM | $225.6B | 31.1× | 24.4× | 5.4× | 9.6% | 77.7% | 18.0% | 12.6% | 10.1% | 1.5× | 2,547 |
| IBM | $222.8B | 21.3× | — | 3.3× | 7.6% | 58.2% | 15.7% | 32.4% | 11.3% | — | 3,351 |
| MRVL | $204.0B | 78.4× | 133.3× | 24.9× | 42.1% | 51.0% | 32.6% | 18.7% | 14.2% | 2.9× | 1,477 |
| QCOM | $202.7B | 37.7× | 15.2× | 4.6× | 13.7% | 55.4% | 12.5% | 26.1% | 15.4% | 1.1× | 2,611 |
| CPAY | $27.6B | 26.9× | 18.1× | 6.1× | 13.9% | — | 23.6% | 27.5% | 6.2% | 6.3× | 646 |
Peers = companies sharing CPAY's sector (Technology) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.