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Upturn AI SWOT - About
Corpay Inc (CPAY)
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Upturn Advisory Summary
07/17/2025: CPAY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
17 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $393.22
1 Year Target Price $393.22
| 6 | Strong Buy |
| 6 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.28% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 23.06B USD | Price to earnings Ratio 22.94 | 1Y Target Price 393.22 |
Price to earnings Ratio 22.94 | 1Y Target Price 393.22 | ||
Volume (30-day avg) 17 | Beta 0.96 | 52 Weeks Range 265.06 - 400.81 | Updated Date 07/17/2025 |
52 Weeks Range 265.06 - 400.81 | Updated Date 07/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 14.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.15% | Operating Margin (TTM) 42.47% |
Management Effectiveness
Return on Assets (TTM) 6.49% | Return on Equity (TTM) 30.04% |
Valuation
Trailing PE 22.94 | Forward PE 15.55 | Enterprise Value 29624925471 | Price to Sales(TTM) 5.7 |
Enterprise Value 29624925471 | Price to Sales(TTM) 5.7 | ||
Enterprise Value to Revenue 7.32 | Enterprise Value to EBITDA 13.76 | Shares Outstanding 70493400 | Shares Floating 67920440 |
Shares Outstanding 70493400 | Shares Floating 67920440 | ||
Percent Insiders 3.53 | Percent Institutions 97.89 |
Upturn AI SWOT
Corpay Inc
Company Overview
History and Background
Corpay Inc, formerly known as FleetCor Technologies, was founded in 2000. It initially focused on fleet card solutions for commercial fleets. Over time, it expanded its services through acquisitions and organic growth to include corporate payments, travel payments, and other payment solutions. Key milestones include strategic acquisitions of companies in related industries, leading to its current position as a global leader in business payment solutions.
Core Business Areas
- Fleet: Provides fleet card programs and related services, enabling businesses to manage and control fuel and maintenance expenses. This includes fuel cards, telematics, and data analytics services.
- Corporate Payments: Offers accounts payable automation and cross-border payment solutions, helping businesses streamline their payment processes and improve efficiency.
- Lodging: Provides lodging solutions, including workforce lodging for crew, project and emergency travel, as well as traditional travel cards for corporate travel management.
Leadership and Structure
Corpay Inc. is led by Ron Clarke, Chairman and Chief Executive Officer. The company has a typical corporate structure with various executive vice presidents overseeing different business segments and functional areas, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Fleet Cards: Fleet cards are used by businesses to manage fuel and maintenance expenses for their vehicles. Corpay is a major player in this market. Competitors include WEX, U.S. Bank Voyager Fleet Systems, and Comdata.
- Cross-Border Payments: Provides solutions for businesses to make international payments, often with better exchange rates and lower fees than traditional methods. Competitors include Western Union Business Solutions, OFX, and Remitly.
- AP Automation: Automates the accounts payable process through electronic payments and invoice processing. Competitors include Bill.com, Coupa, and Tipalti.
Market Dynamics
Industry Overview
The business payment industry is experiencing growth driven by the increasing globalization of businesses, the need for efficient payment solutions, and the shift towards digital payments. Technological advancements like AI and blockchain are reshaping the industry landscape.
Positioning
Corpay Inc. holds a strong position in the business payment market, leveraging its diverse range of services and established customer base. Its competitive advantages include its global presence, technology platform, and expertise in specific verticals like fleet and lodging.
Total Addressable Market (TAM)
The global TAM for business payments is estimated to be in the trillions of dollars annually. Corpay is well-positioned to capture a significant share of this TAM, focusing on specific verticals and leveraging its technology and global reach.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong market position in key verticals
- Scalable technology platform
- Global presence
- Experienced management team
Weaknesses
- High debt levels (due to acquisitions)
- Exposure to economic cycles
- Integration risks from acquisitions
- Dependence on fuel prices (for fleet business)
Opportunities
- Expanding into new geographic markets
- Developing new payment solutions
- Increasing adoption of digital payments
- Acquiring complementary businesses
- Leveraging AI to enhance services
Threats
- Increased competition
- Economic downturns
- Regulatory changes
- Cybersecurity risks
- Fluctuations in fuel prices
Competitors and Market Share
Key Competitors
- WEX (WEX)
- Bill.com (BILL)
- Global Payments (GPN)
Competitive Landscape
Corpay Inc. competes with various companies across its different business segments. Its competitive advantage lies in its integrated suite of services and its expertise in specific verticals. However, it faces competition from larger, more diversified companies in some areas.
Major Acquisitions
Nvoicepay
- Year: 2019
- Acquisition Price (USD millions): 425
- Strategic Rationale: Expanded Corpay's accounts payable automation capabilities.
Growth Trajectory and Initiatives
Historical Growth: Corpay Inc. has experienced substantial growth through acquisitions and organic expansion, particularly in the fleet and corporate payments segments.
Future Projections: Analysts project continued growth for Corpay Inc, driven by increased demand for business payment solutions and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include expanding into new markets, developing new payment solutions, and integrating acquired companies.
Summary
Corpay Inc. is a strong player in the business payments industry, boasting a diversified portfolio and strategic market positioning. Acquisitions have fueled growth, but high debt levels are a concern. The company is capitalizing on the shift towards digital payments and expanding into new markets, but must navigate increasing competition and economic uncertainties.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Company website
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share and financial data might be estimates and are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Corpay Inc
Exchange NYSE | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2010-12-15 | Chairman, President & CEO Mr. Ronald F. Clarke | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 11200 | Website https://www.corpay.com |
Full time employees 11200 | Website https://www.corpay.com | ||
Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, vehicle compliance, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable AP automation; virtual cards, cross-border solutions; and purchasing and T&E travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe; workforce lodging solutions for business travel programs; airline logistics, crew management, insurance, and other payments solutions. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.
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