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Upturn AI SWOT - About
CPAY 
Corpay Inc (CPAY)
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Upturn Advisory Summary
09/12/2025: 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 $383.45
1 Year Target Price $383.45
| 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 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 21.70B USD | Price to earnings Ratio 20.88 | 1Y Target Price 383.45 |
Price to earnings Ratio 20.88 | 1Y Target Price 383.45 | ||
Volume (30-day avg) 17 | Beta 1 | 52 Weeks Range 269.02 - 400.81 | Updated Date 09/14/2025 |
52 Weeks Range 269.02 - 400.81 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 14.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.17% | Operating Margin (TTM) 43.5% |
Management Effectiveness
Return on Assets (TTM) 6.25% | Return on Equity (TTM) 31.15% |
Valuation
Trailing PE 20.88 | Forward PE 12.58 | Enterprise Value 27628887758 | Price to Sales(TTM) 5.2 |
Enterprise Value 27628887758 | Price to Sales(TTM) 5.2 | ||
Enterprise Value to Revenue 6.62 | Enterprise Value to EBITDA 12.44 | Shares Outstanding 70614400 | Shares Floating 68046844 |
Shares Outstanding 70614400 | Shares Floating 68046844 | ||
Percent Insiders 3.53 | Percent Institutions 96.68 |
Upturn AI SWOT
Corpay Inc
Company Overview
History and Background
Corpay Inc., formerly known as FleetCor Technologies, Inc., was founded in 2000. It evolved from focusing on fleet cards to a broader range of payment solutions. Significant milestones include acquisitions and expansion into new markets.
Core Business Areas
- Corporate Payments: Offers accounts payable automation, cross-border payments, and virtual card solutions.
- Fleet: Provides fuel cards and fleet management solutions for businesses.
- Lodging: Provides workforce lodging solutions with access to hotel discounts.
Leadership and Structure
Ron Clarke is the Chairman and Chief Executive Officer. The organizational structure is hierarchical with various departments overseeing different business segments.
Top Products and Market Share
Key Offerings
- Corporate Payments Solutions: Offers solutions for automating accounts payable and making cross-border payments. Competitors include Coupa (COUP), Bill.com (BILL), and TransferWise (now Wise, private). Market share is growing, with increasing adoption of AP automation. They process billions of dollars in payments annually.
- Fuel Cards: Provides fuel cards for managing fuel expenses. Competitors include WEX (WEX) and U.S. Bank Voyager (USB). Market share varies by region and industry segment, but Corpay is a significant player in North America. Exact market share percentages are dynamic and fluctuate. They do have over 800,000 customers, in 80 countries.
- Workforce Lodging Solutions: Connects employees with lodging during travel with a focus on the traveling workforce. Competitors are hotel chains and booking agencies such as Expedia (EXPE) and Booking.com (BKNG). Corpay's advantage comes through its special rates and offerings designed specifically for companies and their traveling workforce.
Market Dynamics
Industry Overview
The payment solutions industry is experiencing growth driven by increasing digitization and globalization of business. There's a growing demand for automation and efficiency in financial processes.
Positioning
Corpay is positioned as a leading provider of specialized payment solutions, offering tailored services for specific industries and needs. Its competitive advantage lies in its established network, industry expertise, and integrated solutions.
Total Addressable Market (TAM)
The estimated TAM for global payments and fintech solutions is in the trillions of dollars. Corpay is well-positioned to capture a significant share of this market through its diverse product offerings and expansion strategies.
Upturn SWOT Analysis
Strengths
- Diverse product portfolio
- Established customer base
- Strong industry expertise
- Scalable technology platform
- Effective marketing and sales strategies
Weaknesses
- Dependence on economic conditions
- Exposure to regulatory changes
- Integration risks from acquisitions
- Technological obsolescence
Opportunities
- Expansion into new geographies
- Development of innovative payment solutions
- Strategic acquisitions and partnerships
- Increased adoption of digital payments
Threats
- Intense competition
- Cybersecurity risks
- Economic downturns
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- WEX
- BILL
- COUP
- GPN
- FISV
Competitive Landscape
Corpay has a strong position in the payment solutions market, with competitive advantages in its diverse product portfolio, industry expertise, and customer relationships. Disadvantages include exposure to regulatory changes and intense competition.
Major Acquisitions
Payhawk
- Year: 2024
- Acquisition Price (USD millions): 540
- Strategic Rationale: Acquisition of Payhawk expands Corpay's reach in Europe and enhances its corporate payment solutions.
Growth Trajectory and Initiatives
Historical Growth: Corpay Inc. has demonstrated consistent growth in revenue and earnings over the past few years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth for Corpay Inc., driven by increasing demand for payment solutions and expansion into new markets.
Recent Initiatives: Recent initiatives include launching new payment solutions, expanding into new geographic regions, and making strategic acquisitions.
Summary
Corpay demonstrates a strong competitive position through strategic acquisitions and an expanding portfolio that increases market reach. Its established customer base and industry expertise fuel consistent growth. However, dependence on economic conditions and competitive pressures pose challenges. Maintaining innovation and managing regulatory risks are key to continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Market Research Reports
- Analyst Estimates
- Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available information and may not be precise. Actual results may vary.
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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