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Upturn AI SWOT - About
WEX 
Wex Inc (WEX)
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Upturn Advisory Summary
08/14/2025: WEX (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $184.56
1 Year Target Price $184.56
| 2 | Strong Buy |
| 1 | Buy |
| 13 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.06% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.98B USD | Price to earnings Ratio 22.07 | 1Y Target Price 184.56 |
Price to earnings Ratio 22.07 | 1Y Target Price 184.56 | ||
Volume (30-day avg) 16 | Beta 1.28 | 52 Weeks Range 110.45 - 217.47 | Updated Date 08/15/2025 |
52 Weeks Range 110.45 - 217.47 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 3.7 | Actual 3.95 |
Profitability
Profit Margin 11.8% | Operating Margin (TTM) 23.77% |
Management Effectiveness
Return on Assets (TTM) 2.94% | Return on Equity (TTM) 22.19% |
Valuation
Trailing PE 22.07 | Forward PE 11.4 | Enterprise Value 6527508785 | Price to Sales(TTM) 2.3 |
Enterprise Value 6527508785 | Price to Sales(TTM) 2.3 | ||
Enterprise Value to Revenue 2.51 | Enterprise Value to EBITDA 6.67 | Shares Outstanding 34264300 | Shares Floating 29644797 |
Shares Outstanding 34264300 | Shares Floating 29644797 | ||
Percent Insiders 1.02 | Percent Institutions 112.56 |
Upturn AI SWOT
Wex Inc
Company Overview
History and Background
WEX Inc. was founded in 1983 as Wright Express. Initially focused on fleet management and fuel card services, it has expanded through acquisitions and organic growth into a global commerce platform. Significant milestones include expanding into healthcare and travel payment solutions.
Core Business Areas
- Fleet Solutions: Provides fleet management solutions, including fuel cards, telematics, and data analytics, to help businesses control fuel costs and improve operational efficiency. It represents the largest segment in terms of revenue.
- Travel and Mobility: Offers payment solutions for the travel industry, including virtual payment cards and accounts payable automation. Facilitates secure and efficient transactions between travel agencies and suppliers.
- Healthcare: Provides healthcare payment solutions, including benefit cards and claims processing, to simplify healthcare payments and reduce administrative costs.
Leadership and Structure
Melissa Smith is the Chair and CEO. The organizational structure includes functional departments such as finance, technology, sales, and marketing, aligned under the CEO and executive leadership team.
Top Products and Market Share
Key Offerings
- Fuel Cards: WEX's fuel cards enable businesses to track and manage fuel expenses. Market share data is not publicly available but the market is competitive. Competitors include FleetCor (FLT), U.S. Bank Voyager, and Comdata.
- Virtual Payment Cards: Used in the travel industry for secure and efficient payments to suppliers. Market share data is not publicly available but WEX is a leading provider in this niche. Competitors include Coupa (COUP) and Amadeus (AMADY).
- Health Benefit Cards: Allows participants to pay for eligible healthcare expenses. Market share data is not publicly available. Competitors include Optum Financial and HSA Bank.
Market Dynamics
Industry Overview
The payment solutions industry is experiencing growth driven by increasing digitalization and globalization. Fleet management is evolving with the adoption of telematics and data analytics. Travel payments are becoming more streamlined with virtual payment technologies. Healthcare payments are focusing on efficiency and cost reduction.
Positioning
WEX is positioned as a leading global commerce platform, providing payment solutions across fleet, travel, and healthcare industries. Its competitive advantages include its established customer base, technology platform, and diverse product offerings.
Total Addressable Market (TAM)
The TAM for the global payment solutions market is estimated to be in the trillions of dollars. WEX is well positioned to capture a portion of this market through its specialized solutions and industry expertise.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams across multiple industries
- Established customer base and brand recognition
- Technology platform and data analytics capabilities
- Global presence
- Strong management team
Weaknesses
- Exposure to macroeconomic conditions
- Dependence on acquisitions for growth
- Integration risks associated with acquisitions
- Competition in the payment solutions industry
Opportunities
- Expansion into new markets and geographies
- Development of new products and services
- Adoption of emerging technologies
- Strategic partnerships and alliances
- Increasing demand for payment solutions
Threats
- Economic downturns and recessions
- Intense competition from existing and new players
- Changes in regulations and compliance requirements
- Cybersecurity threats and data breaches
- Disruptive technologies
Competitors and Market Share
Key Competitors
- FLT
- PYPL
- GPN
Competitive Landscape
WEX faces competition from established players and new entrants in the payment solutions industry. WEX's advantages include its specialized solutions and industry expertise, while its disadvantages include its smaller size compared to some competitors.
Major Acquisitions
eNett
- Year: 2020
- Acquisition Price (USD millions): 577.5
- Strategic Rationale: Expanded WEX's presence in the global travel payments market. The purchase price was significantly reduced compared to the original deal.
Growth Trajectory and Initiatives
Historical Growth: WEX has experienced significant growth through acquisitions and organic expansion.
Future Projections: Analysts project continued growth for WEX driven by increasing demand for payment solutions and expansion into new markets.
Recent Initiatives: Recent strategic initiatives include acquisitions to expand product offerings and geographic reach, as well as investments in technology and innovation.
Summary
WEX Inc. is a solid global commerce platform with a diversified revenue base across fleet, travel, and healthcare industries. The company has grown significantly through acquisitions and organic expansion. Macroeconomic conditions and intense competition are considerable threats, but it can leverage emerging technologies. Overall the fundamentals are average.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on available estimates and may not be precise. Future performance is subject to various risks and uncertainties.
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 Wex Inc
Exchange NYSE | Headquaters Portland, ME, United States | ||
IPO Launch date 2005-02-16 | Chairman of the Board, President & CEO Ms. Melissa D. Smith | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 6500 | Website https://www.wexinc.com |
Full time employees 6500 | Website https://www.wexinc.com | ||
WEX Inc. operates a commerce platform in the United States and internationally. The Mobility segment offers fleet vehicle payment solutions, transaction processing, and information management services; and provides account activation and account retention services; authorization and billing inquiries, and account maintenance services; account management; credit and collections services; merchant services; analytics solutions; and ancillary services and offerings. This segment markets its products directly and indirectly to businesses and government agencies with fleets of commercial vehicles; and indirectly through co-branded and private label relationships. The Corporate Payments segment provides payment solutions, including embedded payments; and accounts payable automation and spend management solutions. This segment also markets its products directly and indirectly to customers in travel, fintech, insurance, consumer bill pay, and media verticals. The Benefits Solutions segment offers software-as-a-service (SaaS) platform for consumer directed healthcare benefits and full-service benefit enrollment solutions. In addition, its SaaS platform includes embedded payment solutions and plan administration services for consumer-directed health benefits; COBRA accounts; and benefit enrollment and administration services. Further, it offers custodial and depository services for health savings accounts; and markets its products through third-party administrators, financial institutions, payroll providers, and health plans. The company was formerly known as Wright Express Corporation and changed its name to WEX Inc. in October 2012. The company was founded in 1983 and is headquartered in Portland, Maine.
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