{ "schema": "theclaudetrader.research_packet.v1", "generated_at": "2026-10-26T05:12:32+00:00", "snapshot_date": "2026-10-26", "about": { "site": "The Claude Trader", "what_this_is": "Evidence-first research record built from SEC XBRL, SEC Form 4 and exchange prices. Deterministic rule scores with every input linked to its source. No recommendations. fair_value_model is a labelled model estimate from SEC filings, not a price target or recommendation (method: /fair-value).", "publishes": "Facts and their provenance only; no holdings, targets, estimates or recommendations.", "how_to_answer": [ "State the snapshot date and each score's data_as_of.", "Quote scores with their status: ok = complete; partial / insufficient = a test was excluded because an input was absent or older than 550 days. Repeat each warning beside the number it affects; a 'stale' warning means the input was used but is older than 120 days (price: 7 days).", "Cite the source URL for any number you repeat.", "Say what is missing; never present holdings or targets as this site's (it has none).", "If asked for a shortlist or portfolio: build it from the user's horizon, risk, benchmark, exclusions and limits; cite inputs, explain inclusion and thesis risks; label weights as your synthesis, distinct from these deterministic scores; no promised outperformance or invented expected returns." ] }, "company": { "ticker": "CPAY", "name": "Corpay, Inc.", "legal_name": "CORPAY, INC.", "cik": "0001175454", "exchange": "NYSE", "industry": "Services-Business Services, Nec", "sic": "7389", "fiscal_year_end": "1231", "is_financial": false, "is_utility": false }, "price": { "value": 408.46, "as_of": "2026-10-23", "source": "Alpaca Market Data (consolidated SIP daily bar)", "url": "https://docs.alpaca.markets/docs/historical-stock-data-1" }, "market_cap": { "value": 26819319807.539997, "as_of": "2026-10-23", "unit": "USD", "meaning": "price on the price date x latest reported point-in-time shares (see inputs.share_count_as_of)", "warning": null, "unavailable_reason": null, "inputs": { "traded_price": { "value": 408.46, "as_of": "2026-10-23", "unit": "USD per traded unit (share or ADS)", "source": "Alpaca Market Data (consolidated SIP daily bar)", "url": "https://docs.alpaca.markets/docs/historical-stock-data-1" }, "sec_shares_outstanding": { "value": 65659599.0, "unit": "underlying shares", "concept": "SEC cover page 10-Q 0001175454-26-000050 (65,659,599 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/cpay-20260630.htm", "period_end": "2026-07-31", "accession": "0001175454-26-000050", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/R1.htm" }, "depositary_ratio": { "value": 1.0, "unit": "underlying shares per traded unit", "status": "domestic", "source": "10-K filer; SEC shares are the traded units", "evidence_url": null, "evidence_form": null, "evidence_filed": null, "body_snippet": null }, "formula": "market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used", "split_adjustment": null, "share_count_as_of": "2026-07-31", "share_count_age_days_at_price_date": 84, "warning": null, "computed": "408.46 (price 2026-10-23) / 1 x 65,659,599 (shares at 2026-07-31) = 26,819,319,808" } }, "scores": { "graham": { "score": 30.0, "status": "ok", "complete": true, "passes_all": false, "summary": "Graham Defensive: 30 of 100 (ok). Adequate size: 4.53 revenue $B \u2192 5.0/5; Current ratio: 0.97 \u2192 0.0/15; Long-term debt vs working capital: None LTD / WC \u2192 0.0/15; Positive earnings each of 10 years: 10 of 10 \u2192 15.0/15; Dividends every year for 20 years: 0 of 20 \u2192 0.0/15; EPS growth, 3-yr avg now vs 10 yrs ago: 4.28 -> 14.07 (+229%) \u2192 10.0/10; P/E on 3-year average EPS: 29.0 \u2192 0.0/15; P/B <= 1.5, or P/E x P/B <= 22.5: P/B 7.57, product 219.9 \u2192 0.0/10", "data_as_of": "2025-12-31", "history": [ "2014", "2025" ], "price_as_of": "2026-10-23", "coverage": null, "verification": { "verified": 0, "mismatch": 0, "unverified": 22, "not_cross_checked": 2 }, "warnings": [ "stale (warning, input still used): current-period inputs older than 120 days: Revenue; inputs older than 550 days are excluded and make the test insufficient" ], "components": [ { "test": "1", "name": "Adequate size", "value": 4.53, "unit": "revenue $B", "threshold": ">= 1", "points": 5.0, "max": 5 }, { "test": "2a", "name": "Current ratio", "value": 0.97, "threshold": ">= 2.0", "points": 0.0, "max": 15 }, { "test": "2b", "name": "Long-term debt vs working capital", "value": null, "unit": "LTD / WC", "threshold": "<= 1.0", "points": 0.0, "max": 15, "note": "working capital not positive" }, { "test": "3", "name": "Positive earnings each of 10 years", "value": "10 of 10", "threshold": "10 of 10", "points": 15.0, "max": 15 }, { "test": "4", "name": "Dividends every year for 20 years", "value": "0 of 20", "threshold": "20 of 20", "points": 0.0, "max": 15, "missing_years": [ 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 ], "cross_check": { "verified_years": [], "mismatch_years": [], "unverified_years": [ 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 ] }, "note": null }, { "test": "5", "name": "EPS growth, 3-yr avg now vs 10 yrs ago", "value": "4.28 -> 14.07 (+229%)", "threshold": ">= +33%", "points": 10.0, "max": 10 }, { "test": "6", "name": "P/E on 3-year average EPS", "value": 29.0, "threshold": "<= 15", "points": 0.0, "max": 15, "note": null }, { "test": "7", "name": "P/B <= 1.5, or P/E x P/B <= 22.5", "value": "P/B 7.57, product 219.9", "threshold": "<= 1.5 or <= 22.5", "points": 0.0, "max": 10 } ], "rules_url": "https://theclaudetrader.com/p/graham" }, "magic_formula": { "score": null, "status": "insufficient data (invested capital not positive (negative working capital exceeds fixed assets))", "summary": "Not scored: insufficient data (invested capital not positive (negative working capital exceeds fixed assets)).", "warnings": [], "components": [] }, "momentum": { "score": 84.9, "status": "ok", "complete": true, "passes_all": null, "summary": "Momentum: 85 of 100 (ok). 12-1 month return: 38.9 % \u2192 41.6/50; 6 month return: 30.3 % \u2192 17.5/20; Price / 52-week high: 0.961 \u2192 14.4/15; Volatility penalty (60d annualised): 22.0 % \u2192 11.3/15", "data_as_of": "2026-10-23", "history": [ null, null ], "price_as_of": "2026-10-23", "coverage": null, "verification": null, "warnings": [], "components": [ { "name": "12-1 month return", "value": 38.9, "unit": "%", "percentile": 83.3, "points": 41.6, "max": 50 }, { "name": "6 month return", "value": 30.3, "unit": "%", "percentile": 87.7, "points": 17.5, "max": 20 }, { "name": "Price / 52-week high", "value": 0.961, "points": 14.4, "max": 15 }, { "name": "Volatility penalty (60d annualised)", "value": 22.0, "unit": "%", "points": 11.3, "max": 15 } ], "rules_url": "https://theclaudetrader.com/p/momentum" }, "insider": { "score": 0.0, "status": "ok", "complete": true, "passes_all": null, "summary": "Insider: 0 of 100 (ok). Open-market buy value / market cap (percentile among buyers): 0.0 bp \u2192 0.0/35; Distinct buyers: 0 \u2192 0.0/25; Buyer seniority: 0.0 \u2192 0.0/20; Recency (half-life 30d): 0.0 \u2192 0.0/10; Sales penalty (excludes 10b5-1 plan sales): 42.3 bp \u2192 -9.9/0", "data_as_of": "2026-10-23", "history": [ null, null ], "price_as_of": null, "coverage": { "window_start": "2026-07-28", "through": "2026-10-23", "missing_days": 3, "note": "Form 4 data loaded through 2026-10-23" }, "verification": null, "warnings": [], "components": [ { "name": "Open-market buy value / market cap (percentile among buyers)", "value": 0.0, "unit": "bp", "points": 0.0, "max": 35 }, { "name": "Distinct buyers", "value": 0, "points": 0.0, "max": 25 }, { "name": "Buyer seniority", "value": 0.0, "points": 0.0, "max": 20 }, { "name": "Recency (half-life 30d)", "value": 0.0, "points": 0.0, "max": 10 }, { "name": "Sales penalty (excludes 10b5-1 plan sales)", "value": 42.3, "unit": "bp", "points": -9.9, "max": 0 } ], "rules_url": "https://theclaudetrader.com/p/insider" }, "buffett": { "score": 78.3, "status": "ok", "complete": true, "passes_all": false, "summary": "Buffett Quality: 78 of 100 (ok). Average return on equity (net income / year-end equity): 28.2% over 8 yrs \u2192 25.0/25; Profitable every year: 10 of 10 \u2192 15.0/15; Net income growth, 3-yr average now vs start of window: +6.2% a year \u2192 6.2/10; Borrowings / 3-yr average earnings (years to repay): 10.4 years \u2192 0.0/15; Operating margin, 5-yr average: 43.8% \u2192 10.0/10; Free cash flow / net income, 5-yr (operating cash flow minus capex): 1.38 \u2192 10.0/10; Owner-earnings yield (3-yr avg free cash flow / market cap): 6.2% \u2192 12.1/15", "data_as_of": "2026-06-30", "history": [ "2016", "2025" ], "price_as_of": "2026-10-23", "coverage": null, "verification": { "verified": 0, "mismatch": 0, "unverified": 47, "not_cross_checked": 2 }, "warnings": [], "components": [ { "test": "1", "name": "Average return on equity (net income / year-end equity)", "value": "28.2% over 8 yrs", "threshold": ">= 15%", "points": 25.0, "max": 25 }, { "test": "2", "name": "Profitable every year", "value": "10 of 10", "threshold": "all years", "points": 15.0, "max": 15 }, { "test": "3", "name": "Net income growth, 3-yr average now vs start of window", "value": "+6.2% a year", "threshold": ">= +10%", "points": 6.2, "max": 10 }, { "test": "4", "name": "Borrowings / 3-yr average earnings (years to repay)", "value": 10.4, "threshold": "<= 4", "points": 0.0, "max": 15, "unit": "years", "note": "LongTermDebt (incl. current maturities)" }, { "test": "5", "name": "Operating margin, 5-yr average", "value": "43.8%", "threshold": ">= 20%", "points": 10.0, "max": 10 }, { "test": "6", "name": "Free cash flow / net income, 5-yr (operating cash flow minus capex)", "value": "1.38", "threshold": ">= 1.0", "points": 10.0, "max": 10 }, { "test": "7", "name": "Owner-earnings yield (3-yr avg free cash flow / market cap)", "value": "6.2%", "threshold": ">= 7%", "points": 12.1, "max": 15 } ], "rules_url": "https://theclaudetrader.com/p/buffett" }, "lynch": { "score": 43.5, "status": "ok", "complete": true, "passes_all": false, "summary": "Lynch GARP: 44 of 100 (ok). PEG: P/E divided by 5-yr EPS growth (in % points): 2.07 \u2192 0.0/30; EPS growth, 5-yr compound rate: +13.1% a year \u2192 20.0/20; P/E on latest annual EPS: 27.2 \u2192 8.5/10; Borrowings / equity: 3.0 \u2192 0.0/15; Years of the last 5 in which EPS rose: 5 of 5 \u2192 15.0/15; Net cash (cash minus borrowings) / market cap: -27.8% \u2192 0.0/10", "data_as_of": "2026-06-30", "history": [ "2020", "2025" ], "price_as_of": "2026-10-23", "coverage": null, "verification": { "verified": 0, "mismatch": 0, "unverified": 5, "not_cross_checked": 1 }, "warnings": [], "components": [ { "test": "1", "name": "PEG: P/E divided by 5-yr EPS growth (in % points)", "value": 2.07, "threshold": "<= 1.0", "points": 0.0, "max": 30 }, { "test": "2", "name": "EPS growth, 5-yr compound rate", "value": "+13.1% a year", "threshold": "12% to 35% a year", "points": 20.0, "max": 20 }, { "test": "3", "name": "P/E on latest annual EPS", "value": 27.2, "threshold": "<= 25", "points": 8.5, "max": 10 }, { "test": "4", "name": "Borrowings / equity", "value": 3.0, "threshold": "<= 0.5", "points": 0.0, "max": 15, "note": "LongTermDebt (incl. current maturities)" }, { "test": "5", "name": "Years of the last 5 in which EPS rose", "value": "5 of 5", "threshold": "5 of 5", "points": 15.0, "max": 15 }, { "test": "6", "name": "Net cash (cash minus borrowings) / market cap", "value": "-27.8%", "threshold": ">= +10%", "points": 0.0, "max": 10 } ], "rules_url": "https://theclaudetrader.com/p/lynch" }, "graham_enterprising": { "score": 25.0, "status": "ok", "complete": true, "passes_all": false, "summary": "Graham Enterprising: 25 of 100 (ok). Current ratio: 0.97 \u2192 0.0/15; Borrowings vs working capital: None \u2192 0.0/15; No earnings deficit in the last 5 years: 5 of 5 profitable \u2192 15.0/15; Pays a current dividend: no \u2192 0.0/10; EPS higher than five years earlier: 8.12 -> 15.03 \u2192 10.0/10; Price / book value per share: 7.57 \u2192 0.0/20; Price / net current asset value per share (current assets minus all liabilities): None \u2192 0.0/15", "data_as_of": "2026-06-30", "history": [ "2020", "2025" ], "price_as_of": "2026-10-23", "coverage": null, "verification": { "verified": 0, "mismatch": 0, "unverified": 10, "not_cross_checked": 3 }, "warnings": [], "components": [ { "test": "1", "name": "Current ratio", "value": 0.97, "threshold": ">= 1.5", "points": 0.0, "max": 15 }, { "test": "2", "name": "Borrowings vs working capital", "value": null, "threshold": "<= 1.1x", "points": 0.0, "max": 15, "note": "working capital not positive" }, { "test": "3", "name": "No earnings deficit in the last 5 years", "value": "5 of 5 profitable", "threshold": "5 of 5", "points": 15.0, "max": 15 }, { "test": "4", "name": "Pays a current dividend", "value": "no", "threshold": "yes", "points": 0.0, "max": 10 }, { "test": "5", "name": "EPS higher than five years earlier", "value": "8.12 -> 15.03", "threshold": "higher", "points": 10.0, "max": 10 }, { "test": "6", "name": "Price / book value per share", "value": 7.57, "threshold": "<= 1.2", "points": 0.0, "max": 20, "note": "book value used because intangibles are not separated in the dataset (Graham uses net tangible assets)" }, { "test": "7", "name": "Price / net current asset value per share (current assets minus all liabilities)", "value": null, "threshold": "<= 0.67", "points": 0.0, "max": 15, "note": "net current asset value not positive" } ], "rules_url": "https://theclaudetrader.com/p/graham_enterprising" }, "piotroski": { "score": 44.4, "status": "partial: 5", "complete": false, "passes_all": false, "summary": "Piotroski F-Score: 44 of 100 (partial: 5). Return on assets is positive: 4.1% \u2192 11.11111111111111/11.11111111111111; Operating cash flow is positive: 1,500M \u2192 11.11111111111111/11.11111111111111; Return on assets improved on the prior year: 5.6% -> 4.1% \u2192 0.0/11.11111111111111; Operating cash flow exceeds net income (accruals): 1,500M vs 1,070M \u2192 11.11111111111111/11.11111111111111; Long-term debt / assets fell: insufficient (an input is not reported for one of the two years); Current ratio improved: 1.00 -> 0.98 \u2192 0.0/11.11111111111111; No new shares issued (share count did not rise): 71M -> 66M \u2192 11.11111111111111/11.11111111111111; Operating margin improved (stand-in for gross margin, which the dataset does not carry): 45.0% -> 44.0% \u2192 0.0/11.11111111111111; Asset turnover (revenue / assets) improved: 0.22 -> 0.17 \u2192 0.0/11.11111111111111", "data_as_of": null, "history": [ "2024", "2026" ], "price_as_of": null, "coverage": null, "verification": { "verified": 0, "mismatch": 0, "unverified": 23, "not_cross_checked": 0 }, "warnings": [ "partial score: tests 5 could not be computed; not comparable with complete scores" ], "components": [ { "test": "1", "name": "Return on assets is positive", "value": "4.1%", "threshold": "pass = 1", "points": 11.11111111111111, "max": 11.11111111111111 }, { "test": "2", "name": "Operating cash flow is positive", "value": "1,500M", "threshold": "pass = 1", "points": 11.11111111111111, "max": 11.11111111111111 }, { "test": "3", "name": "Return on assets improved on the prior year", "value": "5.6% -> 4.1%", "threshold": "pass = 1", "points": 0.0, "max": 11.11111111111111 }, { "test": "4", "name": "Operating cash flow exceeds net income (accruals)", "value": "1,500M vs 1,070M", "threshold": "pass = 1", "points": 11.11111111111111, "max": 11.11111111111111 }, { "test": "5", "name": "Long-term debt / assets fell", "value": null, "threshold": "pass = 1", "points": null, "max": 11.11111111111111, "note": "an input is not reported for one of the two years" }, { "test": "6", "name": "Current ratio improved", "value": "1.00 -> 0.98", "threshold": "pass = 1", "points": 0.0, "max": 11.11111111111111 }, { "test": "7", "name": "No new shares issued (share count did not rise)", "value": "71M -> 66M", "threshold": "pass = 1", "points": 11.11111111111111, "max": 11.11111111111111 }, { "test": "8", "name": "Operating margin improved (stand-in for gross margin, which the dataset does not carry)", "value": "45.0% -> 44.0%", "threshold": "pass = 1", "points": 0.0, "max": 11.11111111111111 }, { "test": "9", "name": "Asset turnover (revenue / assets) improved", "value": "0.22 -> 0.17", "threshold": "pass = 1", "points": 0.0, "max": 11.11111111111111 } ], "rules_url": "https://theclaudetrader.com/p/piotroski" } }, "inputs_by_philosophy": { "graham": [ { "name": "Price (close, per traded unit)", "value": 408.46, "kind": "price", "source": "Alpaca Market Data (consolidated SIP daily bar)", "url": "https://docs.alpaca.markets/docs/historical-stock-data-1", "period": "2026-10-23", "age_days": 3, "stale": false }, { "name": "Revenue", "value": 4528403000.0, "kind": "current", "source": "SEC XBRL Revenues", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000018/", "period": "2025-12-31", "accession": "0001175454-26-000018", "fact_id": 24288676, "verified": "unverified", "age_days": 299, "stale": true }, { "name": "debt_incl_current", "value": 10623531000.0, "kind": "current", "source": "SEC XBRL LongTermDebt", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/", "period": "2026-06-30", "accession": "0001175454-26-000050", "fact_id": 24429384, "verified": "unverified", "age_days": 118, "stale": false }, { "name": "current_assets", "value": 16483992000.0, "kind": "current", "source": "SEC XBRL AssetsCurrent", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/", "period": "2026-06-30", "accession": "0001175454-26-000050", "fact_id": 24341142, "verified": "unverified", "age_days": 118, "stale": false }, { "name": "current_liabilities", "value": 16959099000.0, "kind": "current", "source": "SEC XBRL LiabilitiesCurrent", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/", "period": "2026-06-30", "accession": "0001175454-26-000050", "fact_id": 24368048, "verified": "unverified", "age_days": 118, "stale": false }, { "name": "equity", "value": 3541884000.0, "kind": "current", "source": "SEC XBRL StockholdersEquity", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545426000050/", "period": "2026-06-30", "accession": "0001175454-26-000050", "fact_id": 24501012, "verified": "unverified", "age_days": 118, "stale": false }, { "name": "Net income FY2016", "value": 452385000.0, "kind": "history", "source": "SEC XBRL NetIncomeLoss", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545419000004/", "period": "2016-12-31", "accession": "0001175454-19-000004", "fact_id": 20688885, "verified": "unverified", "age_days": 3586 }, { "name": "Net income FY2017", "value": 740200000.0, "kind": "history", "source": "SEC XBRL NetIncomeLoss", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545420000008/", "period": "2017-12-31", "accession": "0001175454-20-000008", "fact_id": 20695488, "verified": "unverified", "age_days": 3221 }, { "name": "Net income FY2018", "value": 811483000.0, "kind": "history", "source": "SEC XBRL NetIncomeLoss", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000117545421000022/", "period": "2018-12-31", "accession": "0001175454-21-000022", "fact_id": 20701897, "verified": "unverified", "age_days": 2856 }, { "name": "Net income FY2019", "value": 895073000.0, "kind": "history", "source": "SEC XBRL NetIncomeLoss", "url": "https://www.sec.gov/Archives/edgar/data/1175454/000162828022004531/", "period": "2019-12-31", "accession": "0001628280-22-004531", "fact_id": 20708201, "verified": 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"2026-08-24", "insider_name": "Clarke Ronald", "role": "CEO", "code": "S", "shares": 7545.0, "price": 418.08, "value": 3154413.6, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526365658/" }, { "txn_date": "2026-08-24", "insider_name": "Clarke Ronald", "role": "CEO", "code": "S", "shares": 8409.0, "price": 417.29, "value": 3508991.6100000003, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526365658/" }, { "txn_date": "2026-08-24", "insider_name": "Clarke Ronald", "role": "CEO", "code": "S", "shares": 51919.0, "price": 415.12, "value": 21552615.28, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526365658/" }, { "txn_date": "2026-08-24", "insider_name": "Clarke Ronald", "role": "CEO", "code": "S", "shares": 5882.0, "price": 414.16, "value": 2436089.12, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526365658/" }, { "txn_date": "2026-08-24", "insider_name": "Clarke Ronald", "role": "CEO", "code": "S", "shares": 16540.0, "price": 415.82, "value": 6877662.8, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526365658/" }, { "txn_date": "2026-08-21", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 3805.0, "price": 416.61, "value": 1585201.05, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526365660/" }, { "txn_date": "2026-08-20", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 258.0, "price": 415.7, "value": 107250.59999999999, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361107/" }, { "txn_date": "2026-08-20", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 9928.0, "price": 415.07, "value": 4120814.96, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361107/" }, { "txn_date": "2026-08-20", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 8237.0, "price": 414.08, "value": 3410776.96, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361107/" }, { "txn_date": "2026-08-20", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 879.0, "price": 412.91, "value": 362947.89, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361115/" }, { "txn_date": "2026-08-20", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 589.0, "price": 414.62, "value": 244211.18, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361115/" }, { "txn_date": "2026-08-20", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 889.0, "price": 413.67, "value": 367752.63, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526361115/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 1960.0, "price": 411.81, "value": 807147.6, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 1640.0, "price": 409.34, "value": 671317.6, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 40.0, "price": 412.42, "value": 16496.8, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-19", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 360.0, "price": 410.24, "value": 147686.4, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 183.0, "price": 410.09, "value": 75046.47, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 2617.0, "price": 410.88, "value": 1075272.96, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 3800.0, "price": 412.1, "value": 1565980.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 9600.0, "price": 410.0, "value": 3936000.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 2463.0, "price": 410.12, "value": 1010125.56, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-18", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 455.0, "price": 410.19, "value": 186636.45, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-18", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 188.0, "price": 411.88, "value": 77433.44, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526359318/" }, { "txn_date": "2026-08-14", "insider_name": "King Alan", "role": "Pres", "code": "S", "shares": 7122.0, "price": 419.58, "value": 2988248.76, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526355956/" }, { "txn_date": "2026-08-13", "insider_name": "Farrelly Joseph W", "role": "director", "code": "S", "shares": 1751.0, "price": 415.03, "value": 726717.5299999999, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526352221/" }, { "txn_date": "2026-08-12", "insider_name": "Farrelly Joseph W", "role": "director", "code": "S", "shares": 1749.0, "price": 410.02, "value": 717124.98, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526352221/" }, { "txn_date": "2026-08-12", "insider_name": "Farrelly Joseph W", "role": "director", "code": "S", "shares": 1800.0, "price": 405.09, "value": 729162.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526352221/" }, { "txn_date": "2026-06-15", "insider_name": "Netto Armando Lins", "role": "Pres", "code": "S", "shares": 70476.0, "price": 352.13, "value": 24816713.88, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526273107/" }, { "txn_date": "2026-06-11", "insider_name": "Netto Armando Lins", "role": "Pres", "code": "S", "shares": 4560.0, "price": 351.6, "value": 1603296.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526269414/" }, { "txn_date": "2026-06-02", "insider_name": "Stull Steven T", "role": "director", "code": "S", "shares": 1000.0, "price": 360.78, "value": 360780.0, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526271566/" }, { "txn_date": "2026-05-29", "insider_name": "Netto Armando Lins", "role": "Pres", "code": "S", "shares": 2694.0, "price": 357.02, "value": 961811.88, "is_10b5_1": 0, "source_url": "https://www.sec.gov/Archives/edgar/data/1175454/000119312526248364/" } ] }, "filings_and_news": { "sec_filing_index": "https://www.sec.gov/edgar/browse/?CIK=0001175454", "sec_8k": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001175454&type=8-K", "sec_form4": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001175454&type=4", "xbrl_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001175454.json", "news_items": [], "note": "Press releases are filed as 8-K exhibits; the 8-K link lists them with dates." }, "peer_context": { "graham": { "industry": "Services-Business Services, Nec", "scored_peers": 11, "rank": 11, "median": 45.9, "top_peers": [ { "ticker": "ACN", "score": 70.5 }, { "ticker": "PYPL", "score": 69.8 }, { "ticker": "GPN", "score": 68.8 }, { "ticker": "CSGP", "score": 67.0 }, { "ticker": "BR", "score": 47.8 } ] }, "magic_formula": { "industry": "Services-Business Services, Nec", "scored_peers": 9, "rank": null, "median": 83.7 }, "momentum": { "industry": "Services-Business Services, Nec", "scored_peers": 16, "rank": 1, "median": 38.4, "top_peers": [ { "ticker": "CPAY", "score": 84.9 }, { "ticker": "V", "score": 70.0 }, { "ticker": "EBAY", "score": 66.3 }, { "ticker": "MA", "score": 64.2 }, { "ticker": "AKAM", "score": 62.4 } ] }, "insider": { "industry": "Services-Business Services, Nec", "scored_peers": 16, "rank": 5, "median": 0.0, "top_peers": [ { "ticker": "UBER", "score": 63.6 }, { "ticker": "CSGP", "score": 56.7 }, { "ticker": "MSCI", "score": 43.1 }, { "ticker": "FISV", "score": 41.2 }, { "ticker": "ACN", "score": 0.0 } ] }, "buffett": { "industry": "Services-Business Services, Nec", "scored_peers": 11, "rank": 7, "median": 78.4, "top_peers": [ { "ticker": "PYPL", "score": 97.1 }, { "ticker": "ACN", "score": 92.3 }, { "ticker": "BR", "score": 90.6 }, { "ticker": "MA", "score": 85.0 }, { "ticker": "V", "score": 85.0 } ] }, "lynch": { "industry": "Services-Business Services, Nec", "scored_peers": 13, "rank": 8, "median": 49.0, "top_peers": [ { "ticker": "FISV", "score": 82.4 }, { "ticker": "GPN", "score": 76.9 }, { "ticker": "PYPL", "score": 75.6 }, { "ticker": "BR", "score": 73.8 }, { "ticker": "FICO", "score": 67.6 } ] }, "graham_enterprising": { "industry": "Services-Business Services, Nec", "scored_peers": 13, "rank": 11, "median": 42.1, "top_peers": [ { "ticker": "ACN", "score": 62.8 }, { "ticker": "PYPL", "score": 58.6 }, { "ticker": "CSGP", "score": 56.1 }, { "ticker": "GPN", "score": 55.0 }, { "ticker": "FIS", "score": 48.9 } ] }, "piotroski": { "industry": "Services-Business Services, Nec", "scored_peers": 9, "rank": null, "median": 66.7 } }, "dossier": null, "external_views_link_only": { "morningstar": "https://www.morningstar.com/search?query=CPAY", "finviz": "https://finviz.com/quote.ashx?t=CPAY", "stockanalysis": "https://stockanalysis.com/stocks/cpay/", "seeking_alpha": "https://seekingalpha.com/symbol/CPAY", "openinsider": "http://openinsider.com/search?q=CPAY", "google_news": "https://news.google.com/rss/search?q=CPAY+stock" }, "limits": [ "Magic Formula: insufficient data (invested capital not positive (negative working capital exceeds fixed assets))", "Piotroski F-Score: partial, missing tests 5", "News is not collected for this ticker; use the SEC 8-K and press-release links below" ], "machine_readable": { "stock_json": "https://theclaudetrader.com/s/CPAY.json", "stock_md": "https://theclaudetrader.com/s/CPAY.md", "packet": "https://theclaudetrader.com/r/CPAY.json", "grid": "https://theclaudetrader.com/grid.json", "openapi": "https://theclaudetrader.com/openapi.json", "index": "https://theclaudetrader.com/llms.txt" }, "cite_as": "The Claude Trader snapshot 2026-10-26, https://theclaudetrader.com/s/CPAY; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-23.", "disclaimer": "Scores are deterministic rule outputs from public filings. fair_value_model is a labelled model estimate from the same filings (method at /fair-value), not an opinion or recommendation." }