A Business at a Glance
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ITEM 1. BUSINESS Corpay, Inc. (the "Company") is a global corporate payments company that helps businesses and consumers better manage and pay their expenses in a simple, controlled manner. Corpay provides a broad suite of payment and spend management solutions, including accounts payable (AP) automation and cross-border payment solutions (including foreign exchange spot, forward and option transactions), commercial card programs (e.g., purchasing cards, business cards and virtual cards), vehicle payment solutions (e.g., fuel cards, toll payments and related services) and lodging payment solutions (e.g., hotel and extended stay bookings). Since its incorporation in 2000, Corpay has delivered payment and spend solutions with customized controls and robust capabilities that offer our customers a better way to pay. This results in our customers saving time and ultimately spending less.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.5B | 4.5B | 4.0B | 3.8B | 3.4B | 2.8B |
| Net Income | 1.1B | 1.1B | 1.0B | 982M | 954M | 839M |
| EPS | $15.03 | $15.03 | $13.97 | $13.20 | $12.42 | $9.99 |
| Free Cash Flow | 1.3B | 1.3B | 1.8B | 1.9B | 603M | 1.1B |
| ROIC | 11.8% | 16.1% | 16.4% | 15.9% | 15.5% | 14.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 2.65 | 2.65 | 2.52 | 2.20 | 2.87 | 2.34 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 2.0B | 2.0B | 1.8B | 1.7B | 1.4B | 1.2B |
| Operating Margin | 44.0% | 44.0% | 45.0% | 44.1% | 42.2% | 43.8% |
| ROE | 27.5% | 30.5% | 32.1% | 29.9% | 37.5% | 29.3% |
| Shares Outstanding | 71M | 71M | 72M | 74M | 77M | 84M |
CORPAY, INC. passes 5 of 9 quality checks, suggesting mixed fundamentals.
CORPAY, INC. trades at 21.0x trailing earnings, compared to its 15-year median P/E of 23.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 16.5x vs a median of 19.0x. The company's 5-year average ROIC is 15.7%. Total shareholder yield (buybacks) is 3.5%. At current prices, the estimated annualized return to fair value is +14.4%.
CORPAY, INC. (CPAY) has a current P/E ratio of 21.0, compared to its historical median P/E of 23.5. The stock is currently considered Fair based on its historical valuation range.
CORPAY, INC. (CPAY) has a 5-year average return on invested capital (ROIC) of 15.7%. This indicates strong capital allocation and a potential competitive advantage.
CORPAY, INC. (CPAY) has a market capitalization of $22.4B. It is classified as a large-cap stock.
CORPAY, INC. (CPAY) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 3.49%.
Based on historical P/E analysis, CORPAY, INC. (CPAY) appears fair. The current P/E of 21.0 is 11% below its historical median of 23.5. The estimated fair value CAGR (P/E method) is 9.1%.
CORPAY, INC. (CPAY) operates in the Services-Business Services, Nec industry, within the Industrials sector.
CORPAY, INC. (CPAY) reported annual revenue of $4.5 billion in its most recent fiscal year, based on SEC EDGAR filings.
CORPAY, INC. (CPAY) has a net profit margin of 23.6%. This is a strong margin indicating high profitability.
CORPAY, INC. (CPAY) generated $1.3 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CORPAY, INC. (CPAY) has a debt-to-equity ratio of 2.65. This indicates higher leverage, which may increase financial risk.
CORPAY, INC. (CPAY) reported earnings per share (EPS) of $15.03 in its most recent fiscal year.
CORPAY, INC. (CPAY) has a return on equity (ROE) of 30.5%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 17 years of financial data for CORPAY, INC. (CPAY), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CORPAY, INC. (CPAY) has a book value per share of $54.56, based on its most recent annual SEC filing.