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Upturn AI SWOT - About
Corpay Inc (CPAY)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.04% | 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 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.73B USD | Price to earnings Ratio 25.2 | 1Y Target Price 415.18 |
Price to earnings Ratio 25.2 | 1Y Target Price 415.18 | ||
Volume (30-day avg) 496029 | Beta 1.26 | 52 Weeks Range 247.10 - 400.81 | Updated Date 04/2/2025 |
52 Weeks Range 247.10 - 400.81 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 13.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.25% | Operating Margin (TTM) 44.18% |
Management Effectiveness
Return on Assets (TTM) 6.57% | Return on Equity (TTM) 31.23% |
Valuation
Trailing PE 25.2 | Forward PE 16.78 | Enterprise Value 31169708396 | Price to Sales(TTM) 6.22 |
Enterprise Value 31169708396 | Price to Sales(TTM) 6.22 | ||
Enterprise Value to Revenue 7.84 | Enterprise Value to EBITDA 14.71 | Shares Outstanding 70249904 | Shares Floating 67718818 |
Shares Outstanding 70249904 | Shares Floating 67718818 | ||
Percent Insiders 5.09 | Percent Institutions 94.72 |
Analyst Ratings
Rating 4.11 | Target Price 330.29 | Buy 6 | Strong Buy 7 |
Buy 6 | Strong Buy 7 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Corpay Inc
Company Overview
History and Background
Corpay Inc., formerly known as FleetCor Technologies, Inc., was founded in 2000. It has grown through acquisitions and organic growth to become a leading provider of specialized payment products and services.
Core Business Areas
- Corporate Payments: Provides cross-border and domestic accounts payable (AP) automation solutions to businesses of all sizes.
- Fuel: Offers fleet fuel cards and related services to help businesses manage and control fuel expenses.
- Lodging: Provides lodging management solutions to businesses and government agencies, focusing on cost control and efficiency.
- Gift: Closed-loop gift card programs for merchants and brands.
Leadership and Structure
Ron Clarke is the Chairman and Chief Executive Officer. The company has a structured executive team and operates with a divisional organizational structure based on its core business areas.
Top Products and Market Share
Key Offerings
- Cross-Border Payments: Enables businesses to make and receive payments internationally in various currencies. Market share data is difficult to pinpoint, but it competes with companies like Western Union Business Solutions and OFX. Revenue generated from this product constitutes a significant portion of the Corporate Payments segment.
- Fleet Fuel Cards: Provides businesses with fuel cards that offer expense tracking, purchase controls, and discounts at fueling locations. Competitors include WEX and U.S. Bank Voyager. A substantial percentage of revenue is generated from the Fuel segment.
- AP Automation: Streamlines accounts payable processes for large enterprises. Competitors include Coupa and Bill.com.
Market Dynamics
Industry Overview
The payment solutions industry is experiencing rapid growth, driven by the increasing globalization of business, the shift towards digital payments, and the need for cost-effective expense management solutions.
Positioning
Corpay Inc. holds a strong position in the market due to its diversified product portfolio, established customer base, and focus on specialized payment solutions. Its competitive advantage lies in its integrated platform and ability to offer customized solutions.
Total Addressable Market (TAM)
The total addressable market for payment solutions is estimated to be in the hundreds of billions of dollars. Corpay Inc. is well-positioned to capture a significant share of this market with its expanding product offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Diversified product portfolio
- Established customer base
- Integrated platform
- Strong brand recognition
- Experienced management team
Weaknesses
- Exposure to economic cycles
- Reliance on acquisitions for growth
- Integration risks associated with acquisitions
- Dependence on fuel prices
Opportunities
- Expanding into new geographic markets
- Developing new payment solutions
- Acquiring complementary businesses
- Leveraging technology to improve efficiency
Threats
- Increased competition
- Changing regulatory landscape
- Cybersecurity risks
- Economic downturns
- Fluctuations in currency exchange rates
Competitors and Market Share
Key Competitors
- WEX (WEX)
- Global Payments (GPN)
- Fleet Complete NA (Private)
Competitive Landscape
Corpay Inc. competes with a range of companies, from large global payment processors to smaller niche players. Its competitive advantage lies in its diversified product portfolio and focus on specialized payment solutions.
Major Acquisitions
Nvoicepay
- Year: 2019
- Acquisition Price (USD millions): 425
- Strategic Rationale: Expanded Corpay's accounts payable automation capabilities and enhanced its presence in the corporate payments market.
Growth Trajectory and Initiatives
Historical Growth: Corpay Inc. has experienced strong revenue and earnings growth over the past years, driven by acquisitions and organic growth.
Future Projections: Analysts project continued revenue and earnings growth for Corpay Inc., driven by its expanding product portfolio and geographic reach.
Recent Initiatives: Recent strategic initiatives include acquisitions of companies in the payment solutions space and expansion into new geographic markets.
Summary
Corpay Inc. exhibits strong financial health and a diversified revenue stream, enhanced by strategic acquisitions. Its robust market position is challenged by increasing competition and regulatory changes. While it showcases consistent historical growth, successful integration of acquired businesses is essential for continued expansion. Dependence on fuel prices remains a risk factor to monitor.
Similar Companies
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
GPN
Global Payments Inc
GPN
Global Payments Inc
WEX
Wex Inc
WEX
Wex Inc
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary. Past performance is not indicative of 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 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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