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Upturn AI SWOT - About
WEX 
Wex Inc (WEX)
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Upturn Advisory Summary
06/30/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $154.82
Year Target Price $154.82
| 2 | Strong Buy |
| 1 | Buy |
| 13 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.17% | Avg. Invested days 28 | 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 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.03B USD | Price to earnings Ratio 18.93 | 1Y Target Price 154.82 |
Price to earnings Ratio 18.93 | 1Y Target Price 154.82 | ||
Volume (30-day avg) 16 | Beta 1.22 | 52 Weeks Range 110.45 - 217.47 | Updated Date 06/30/2025 |
52 Weeks Range 110.45 - 217.47 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.76 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.07% | Operating Margin (TTM) 24.71% |
Management Effectiveness
Return on Assets (TTM) 3.05% | Return on Equity (TTM) 24.37% |
Valuation
Trailing PE 18.93 | Forward PE 9.78 | Enterprise Value 6175738769 | Price to Sales(TTM) 1.93 |
Enterprise Value 6175738769 | Price to Sales(TTM) 1.93 | ||
Enterprise Value to Revenue 2.36 | Enterprise Value to EBITDA 6.29 | Shares Outstanding 34244500 | Shares Floating 29622216 |
Shares Outstanding 34244500 | Shares Floating 29622216 | ||
Percent Insiders 1.02 | Percent Institutions 117.87 |
Analyst Ratings
Rating 4 | Target Price 154.82 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 13 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Wex Inc
Company Overview
History and Background
WEX Inc. was founded in 1983 as Wright Express. It initially focused on providing fuel card services and payment processing solutions for the fleet industry. Over time, it expanded its offerings to include health and employee benefits solutions, as well as travel solutions.
Core Business Areas
- Fleet Solutions: Provides fleet payment solutions, including fuel cards, data services, and analytics to help businesses manage and control their fleet-related expenses. Includes services such as fuel management and maintenance solutions.
- Health and Employee Benefit Solutions: Offers healthcare payment technology, including health savings accounts (HSAs), flexible spending accounts (FSAs), and other employee benefit solutions. They provide technology for benefit plans.
- Travel Solutions: Provides payment solutions for the travel industry, including virtual payment cards and other services to help travel companies streamline their payment processes.
Leadership and Structure
Melissa Smith serves as the Chair and CEO. The company has a standard corporate structure with various executive vice presidents heading different business segments and functional areas such as finance, technology, and human resources.
Top Products and Market Share
Key Offerings
- Fleet Fuel Cards: Fuel cards that allow businesses to track and manage fuel expenses. The market share in fleet fuel cards is estimated around 20-25% with competitors like FleetCor (FLT) and U.S. Bancorp (USB). Estimated Revenue: $1.2 Billion. Competitors: FLT, USB, Comdata.
- Health Account Payment Solutions (HSAs/FSAs): Technology solutions enabling healthcare payments through HSAs and FSAs. Market share in Health Account payment solutions are estimated around 10-15% with competitors like Optum and Benefit Resource Inc. Estimated Revenue: $600 Million. Competitors: Optum, Benefit Resource Inc, HSA Bank.
- Virtual Payment Solutions for Travel: Virtual cards that provide secure and efficient payment methods for travel bookings. The market share in travel payment solutions are estimated around 15-20% with competitors like Amadeus and Coupa. Estimated Revenue: $400 Million. Competitors: Amadeus, Coupa, Conferma Pay.
Market Dynamics
Industry Overview
The fleet card industry is evolving with increasing adoption of electric vehicles and data-driven solutions. The health benefits industry is focused on streamlining payment processes and enhancing consumer experience. The travel industry is embracing virtual payment solutions to improve security and efficiency.
Positioning
WEX is positioned as a technology provider offering specialized payment solutions in niche markets like fleet, health, and travel. Its competitive advantage lies in its industry-specific expertise and integrated solutions.
Total Addressable Market (TAM)
The estimated TAM for fleet management, health benefits, and travel payments is over $50 billion. WEX is targeting segments within this TAM with its specialized solutions.
Upturn SWOT Analysis
Strengths
- Strong market position in niche markets
- Diversified revenue streams across multiple segments
- Proprietary technology platform
- Established relationships with key partners
Weaknesses
- Exposure to economic cycles impacting fleet activity and travel spending
- Regulatory complexity in health and benefits industry
- Integration risks associated with acquisitions
- Dependence on partnerships to drive growth
Opportunities
- Expansion into new geographic markets
- Increased adoption of electric vehicles driving demand for EV charging solutions
- Growing demand for data analytics in fleet management
- Partnerships with digital health platforms
Threats
- Increased competition from fintech companies
- Potential disruption from new payment technologies
- Economic downturn impacting travel and fleet activity
- Data security breaches and privacy concerns
Competitors and Market Share
Key Competitors
- FLT
- GPN
- PAYX
Competitive Landscape
WEX competes with other payment processors, fleet management companies, and healthcare technology providers. Its strength lies in its specialized solutions and industry expertise, but it faces competition from larger, more diversified players.
Major Acquisitions
eNett International
- Year: 2020
- Acquisition Price (USD millions): 577.5
- Strategic Rationale: Expanded WEX's virtual payments capabilities in the travel industry.
Discovery Benefits, Inc.
- Year: 2017
- Acquisition Price (USD millions): 425
- Strategic Rationale: Strengthened WEX's position in the healthcare and employee benefits market.
Growth Trajectory and Initiatives
Historical Growth: WEX has demonstrated robust growth through a combination of organic initiatives and strategic acquisitions. Its expansion into new markets and diversification of product offerings have contributed to its success.
Future Projections: Analysts predict continued revenue growth in the high single digits, driven by increased adoption of fleet solutions, health benefits, and travel payments. EPS is expected to grow at a faster pace due to operational efficiencies and strategic investments.
Recent Initiatives: WEX has recently focused on integrating acquisitions, enhancing its technology platform, and expanding its partnerships with key industry players.
Summary
WEX Inc. is a strong company focused on niche markets with steady growth and diversified revenue streams. Their strength is their unique industry-specific experience and integrated solutions in payment technology for health, fleet, and travel. It has good future projections and solid finances, they need to watch out for fintech companies and changes in economy that impact spending.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change, impacting future results.
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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