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              "target_price": 250
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          "method_notes": "DCF valuation with conservative assumptions suggests overvaluation. Not investment advice.",
          "current_price": 303.92,
          "recommendation": "SELL",
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            "High debt levels increase financial risk.",
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              "driver": "Corporate payments volume",
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              "direction": "POS"
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            {
              "driver": "Fleet segment retention",
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          "method_notes": "Valuation blends a 13.5x EV/EBITDA multiple on NTM estimates and a 16x P/E on normalized earnings. The 13.5% upside supports a BUY rating, balanced by leverage risks. Not investment advice.",
          "current_price": 303.92,
          "recommendation": "BUY",
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            "Strong operating margins of 44% and $1B+ FCF generation provide a solid valuation floor.",
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            "Strategic transition from legacy fleet cards to broader corporate payments expands the TAM.",
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