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Upturn AI SWOT - About
CPAY 
Corpay Inc (CPAY)
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Upturn Advisory Summary
10/14/2025: 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 $376.64
1 Year Target Price $376.64
| 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 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.95B USD | Price to earnings Ratio 19.19 | 1Y Target Price 376.64 |
Price to earnings Ratio 19.19 | 1Y Target Price 376.64 | ||
Volume (30-day avg) 17 | Beta 0.97 | 52 Weeks Range 269.02 - 400.81 | Updated Date 10/14/2025 |
52 Weeks Range 269.02 - 400.81 | Updated Date 10/14/2025 | ||
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 19.19 | Forward PE 11.74 | Enterprise Value 26189766633 | Price to Sales(TTM) 4.78 |
Enterprise Value 26189766633 | Price to Sales(TTM) 4.78 | ||
Enterprise Value to Revenue 6.28 | Enterprise Value to EBITDA 11.79 | Shares Outstanding 70614383 | Shares Floating 68046844 |
Shares Outstanding 70614383 | Shares Floating 68046844 | ||
Percent Insiders 3.53 | Percent Institutions 96.48 |
Upturn AI SWOT
Corpay Inc
Company Overview
History and Background
Corpay Inc., formerly FleetCor Technologies, Inc., was founded in 2000. It started as a provider of fuel cards for commercial fleets and has since expanded into a global provider of payment solutions. Significant milestones include strategic acquisitions and diversification into new markets like corporate payments and lodging.
Core Business Areas
- Fleet: Offers fuel cards and fleet management solutions to commercial fleets.
- Corporate Payments: Provides accounts payable automation, cross-border payments, and purchasing card solutions.
- Lodging: Offers lodging solutions, primarily for the airline and maritime industries.
- Gift: Provides stored-value gift cards and related services.
Leadership and Structure
Ron Clarke is the Chairman and Chief Executive Officer. The organizational structure is divided into business segments, each led by a segment president, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Fuel Cards: Fuel cards for commercial fleets, offering expense tracking and controls. Competitors: Wex Inc., U.S. Bank Voyager. Market share varies by region but Corpay is a major player in North America and Europe. Estimated revenue in 2023: $1.5 Billion
- AP Automation: Accounts payable automation solutions, streamlining invoice processing and payments. Competitors: Bill.com, Coupa Software. Estimated revenue in 2023: $1.2 Billion
- Cross-Border Payments: Cross-border payments solutions for businesses. Competitors: Wise, Payoneer, Remitly. Estimated revenue in 2023: $700 million
Market Dynamics
Industry Overview
The payments industry is rapidly evolving, driven by technological advancements and changing consumer preferences. Increased regulation and competition are also key factors.
Positioning
Corpay Inc. holds a strong position in the fleet card and corporate payments markets. Competitive advantages include its scale, proprietary technology, and strong relationships with key partners.
Total Addressable Market (TAM)
The TAM for Corpay's various business segments is estimated to be in the hundreds of billions of dollars. Corpay is well-positioned to capture a significant portion of this market due to its diversified product portfolio and global presence.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong market position in fleet and corporate payments
- Proprietary technology
- Experienced management team
- Global presence
Weaknesses
- Exposure to macroeconomic cycles
- Integration risks from acquisitions
- Dependence on key partners
- Complexity of business model
- Vulnerability to data breaches
Opportunities
- Expanding into new geographies
- Developing new payment solutions
- Acquiring complementary businesses
- Leveraging data analytics
- Increasing adoption of digital payments
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Technological disruption
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WEX
- BILL
- GPN
Competitive Landscape
Corpay Inc. benefits from its scale and diversified product portfolio. However, it faces increasing competition from both established players and emerging fintech companies.
Major Acquisitions
AFEX
- Year: 2021
- Acquisition Price (USD millions): 400
- Strategic Rationale: Expanded cross-border payments capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Corpay Inc. has experienced strong historical growth, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued revenue growth in the high single digits over the next few years. EPS is expected to grow at a faster pace due to operating leverage.
Recent Initiatives: Recent initiatives include expanding into new markets, launching new payment solutions, and investing in technology.
Summary
Corpay is a strong player in payment processing due to its diversified offerings and established market presence. It exhibits good financial health, though macroeconomic conditions present a risk. Strategic acquisitions and technological investments appear to be driving growth while increased competition in the payment solutions space demands vigilance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Analyst reports, Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice.
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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