Corpay (MEX:CPAY) Moat Score: 4/10 (As of Jul. 07, 2026)


MEX:CPAY Corpay Inc MEX:CPAY
93 GF Score
Price MXN5,209.00
GF Value MXN5,815.44
! 8 Warning Signs
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What is Corpay Moat Score?

Corpay MEX:CPAY 93 Moat Score is 4 as of Jul. 07, 2026. GuruFocus rates MEX:CPAY with a GF Score™ of 93/100 and a GF Value™ of MXN5,815.44. The stock has 8 warning signs investors should review. Among 2,836 Software companies, Corpay ranks better than 90.13% on this metric.

Corpay has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Corpay has Narrow Moat: Corpay Inc has a discernible but modest moat due to its market leadership in payment solutions and some customer switching costs. However, it lacks strong brand strength and significant regulatory barriers, limiting its moat to a narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Corpay might have Narrow Moat - Discernible but modest moat.

Corpay  (MEX:CPAY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Corpay Moat Score Related Terms

MEX:CPAY vs OKTA, ZS, FFIV: Moat Score Comparison

For the Software - Infrastructure subindustry, Corpay's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Corpay Moat Score vs Software Industry

For the Software industry and Technology sector, Corpay's Moat Score distribution charts can be found below:

* The bar in red indicates where Corpay's Moat Score falls into.


MEX:CPAY
93GF Score
Corpay Inc MEX:CPAY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Corpay (MEX:CPAY) has a Moat Score of 4 as of Jul. 07, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Corpay ranks #280 out of 2836 companies in the Software industry, placing it in the top 9.9%.
Is Corpay's Moat Score too high?
Corpay's current Moat Score is 4. Based on the distribution chart, Corpay ranks #280 out of 2836 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Corpay has a GF Score™ of 93/100, reflecting its overall financial health beyond just this single metric.
How does Corpay's Moat Score compare to OKTA and ZS?
According to the Software industry distribution chart, Corpay ranks #280 out of 2836 companies for Moat Score. This places Corpay in the top 10% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Corpay's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Corpay stock overvalued right now?
Corpay (MEX:CPAY) has a current Moat Score of 4. The stock's GF Value™ is MXN5,815.44, compared to a current price of MXN5,209.00 — trading 10.4% below its estimated fair value. The current Moat Score is 4. Corpay's overall GF Score™ is 93/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Corpay (MEX:CPAY), the current Moat Score is 4 as of Jul. 07, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Corpay (MEX:CPAY) Overvalued in 2026?

Based on GuruFocus' analysis, Corpay stock appears to be undervalued. The current stock price of MXN5,209.00 is trading 10.4% below its estimated GF Value™ of MXN5,815.44.

Key valuation signals for MEX:CPAY:

  • Moat Score: 4
  • GF Value™: MXN5,815.44 vs. price of MXN5,209.00 (10.4% below fair value)
  • GF Score™: 93/100 with 8 warning signs

No single metric tells the full story. See the MEX:CPAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Corpay Business Description

Address 3280 Peachtree Road, Suite 2400, Atlanta, GA, USA, 30305
Corpay Inc is a corporate payments company that helps businesses and consumers manage and pay their expenses. The company offers payment and spend management solutions, including accounts payable automation, cross-border payments, commercial card programs, vehicle payment solutions, and lodging payment services. Its reportable segments are: Corporate Payments, Vehicle Payments, Lodging Payments and Other. The majority of the company's revenue is derived from the Vehicle Payments segment, which helps customers to pay for vehicle related expenses. Geographically, it derives the maximum revenue from the United States and the rest from Brazil, the United Kingdom and other countries.
93GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN5,209.00
Price
MXN5,815.44
GF Value