Corpay Announces Q3 EPS of $5.70, Exceeding Consensus Estimate of $5.64
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 05 2025
0mins
Should l Buy CPAY?
Q3 Revenue Performance: Corpay, Inc. reported Q3 revenue of $1.17 billion, slightly above the consensus estimate of $1.16 billion.
Organic Growth Improvement: The company experienced a significant organic growth increase of 500 basis points year-over-year, reaching 11% in Q3, driven by the Vehicle Payments segment, particularly in the U.S. market.
Corporate Payments Segment Growth: The Corporate Payments segment showed strong organic revenue growth of 17%, despite facing a 100 basis point drag from float revenue compression due to lower interest rates.
CFO Statement: Peter Walker, CFO of Corpay, highlighted the positive trends in both the Vehicle Payments and Corporate Payments segments as key contributors to the company's growth.
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Analyst Views on CPAY
Wall Street analysts forecast CPAY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CPAY is 356.20 USD with a low forecast of 315.00 USD and a high forecast of 400.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
8 Buy
3 Hold
0 Sell
Moderate Buy
Current: 300.280
Low
315.00
Averages
356.20
High
400.00
Current: 300.280
Low
315.00
Averages
356.20
High
400.00
About CPAY
Corpay, Inc. is a corporate payments company that helps businesses and consumers manage and pay expenses. The Company's suite of payment solutions helps customers to manage vehicle-related expenses, such as fueling and parking; travel expenses, such as hotel bookings; and accounts payable, such as paying vendors. Its segments include Vehicle Payments, Corporate Payments, Lodging Payments and Other. Its solutions include AP Automation, Cross-Border, Purchasing and T&E Cards, and Virtual Card. Its AP Automation solutions include Payments Automation, Invoice Automation, Purchase Order Automation and Integrations. Its Virtual Card solution provides a single-use card number for a specific amount, usable within a defined timeframe. Its trading platform and integrated payment solutions, which can be customized as per client’s business requirements. Its Cross-Border solution is used by its customers to pay international vendors, foreign office and for-profit repatriation and dividends.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Corpay, Inc. Reports Strong Q4 2025 Earnings Exceeding Expectations
- Significant Revenue Growth: Corpay reported Q4 2025 revenue of $1.248 billion, a 21% year-over-year increase that exceeded expectations, primarily driven by strong performance in cross-border payments and the Alpha business, indicating sustained competitive strength in the market.
- Record EPS Achievement: The adjusted EPS for Q4 reached $6.04, up 13% year-over-year, while the full-year EPS was $21.38, reflecting a 12% growth, which underscores the company's improving profitability and enhances investor confidence.
- Optimistic 2026 Outlook: The company projects 2026 revenue to hit $5.265 billion, a 16% increase, with EPS guidance set at $26, growing 22%, demonstrating management's strong confidence in future growth, particularly in corporate payments and acquisition integration.
- Strategic Investments and Portfolio Simplification: Management emphasized ongoing portfolio simplification and strategic investments, planning to divest the vehicle payments business while reallocating resources to enhance corporate payments, aiming to adapt to market changes and improve overall operational efficiency.
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- 2026 Fiscal Outlook: The company forecasts a 16% revenue growth and a 22% adjusted EPS growth for FY 2026, driven by strong business fundamentals, accretive acquisitions, and a favorable macroeconomic environment, showcasing confidence in future performance.
- Organic Growth Expectations: Corpay anticipates a 10% organic revenue growth for FY 2026, maintaining tight expense management, and leveraging fourth-quarter share repurchases to significantly boost adjusted EPS, thereby enhancing investor confidence.
- Q1 Outlook: For Q1 2026, organic revenue growth is expected to be 9%, with adjusted EPS projected to grow over 20%, as revenue and adjusted EPS are anticipated to build significantly throughout the year due to organic growth and realization of deal synergies.
See More
Corpay, Inc. Reports Strong Q4 2025 Earnings Exceeding Expectations
- Significant Revenue Growth: Corpay reported Q4 2025 revenue of $1.248 billion, a 21% year-over-year increase that exceeded expectations, primarily driven by strong performance in cross-border payments and the Alpha business, indicating sustained competitive strength in the market.
- Record EPS Achievement: The adjusted EPS for Q4 reached $6.04, up 13% year-over-year, while the full-year EPS was $21.38, reflecting a 12% growth, which underscores the company's improving profitability and enhances investor confidence.
- Optimistic 2026 Outlook: The company projects 2026 revenue to hit $5.265 billion, a 16% increase, with EPS guidance set at $26, growing 22%, demonstrating management's strong confidence in future growth, particularly in corporate payments and acquisition integration.
- Strategic Investments and Portfolio Simplification: Management emphasized ongoing portfolio simplification and strategic investments, planning to divest the vehicle payments business while reallocating resources to enhance corporate payments, aiming to adapt to market changes and improve overall operational efficiency.
See More
US Stocks Plunge Sharply, Led by Technology Sector Declines
- Technology Sector Decline: Qualcomm (QCOM) forecasts Q2 revenue between $10.2 billion and $11.0 billion, below the consensus of $11.18 billion, leading to an over 8% drop in its stock and exacerbating the overall decline in the Nasdaq 100 index, heightening market panic.
- Weak Labor Market Signals: Challenger's report shows January job cuts surged 117.8% year-on-year to 108,435, marking the highest level since 2009, indicating fragility in the US labor market and increasing investor concerns about economic outlook.
- Bitcoin Price Crash: Bitcoin (^BTCUSD) is down more than 7% today, hitting a 1.25-year low and falling about 45% from its October record high, reflecting negative sentiment in the cryptocurrency market and a trend of capital outflows.
- Impact of Earnings Season: Despite 150 S&P 500 companies set to report earnings this week and 81% of the 237 companies that have reported exceeding expectations, market concerns over future economic data continue to suppress stock performance, with S&P earnings growth expected to reach 8.4% in Q4.
See More
Significant Stock Movements in Midday Trading
- McKesson Earnings Beat: McKesson's fiscal third-quarter earnings per share exceeded Wall Street's highest estimates, and the adjusted full-year EPS guidance was raised above analyst consensus, leading to a 16% stock price increase, indicating strong performance in the medical supply sector.
- Bob's Discount Furniture IPO: Bob's Discount Furniture debuted on the New York Stock Exchange with shares priced at $17, recently rising 10%, marking a successful entry into the public market and laying the groundwork for future growth.
- Fluence Energy Earnings Miss: Fluence Energy reported first-quarter revenue of $475.2 million, falling short of the $481.2 million consensus, with a per-share loss of 34 cents missing the 21-cent loss estimate, resulting in a 31% stock price drop, reflecting market concerns over its profitability.
- Cardinal Health Guidance Raised: Cardinal Health reported quarterly adjusted earnings of $2.63 per share, exceeding the $2.36 consensus, with revenue of $65.63 billion surpassing the $64.14 billion estimate, leading to an 8% stock price increase, showcasing strong growth potential in the healthcare services sector.
See More
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- Software Sector Decline: Software stocks fell for the eighth consecutive session on Thursday, marking the longest losing streak since May 2021, as investor concerns about AI undermining demand in the SaaS economy intensified.
- ETF Performance: The iShares Expanded Tech-Software Sector ETF (NYSE:IGV) dropped 1.9%, extending its decline to approximately 30% from late October highs, indicating a waning confidence in tech stocks.
- Individual Stock Movements: Palantir Technologies Inc. (NASDAQ:PLTR) fell 4.4% after an 11% drop on Wednesday, suggesting a diminishing market expectation for its growth prospects in the AI-driven landscape.
- Broader Economic Impact: Bitcoin slid 9% to $66,000, negatively impacting software stocks tied to crypto markets, while commodities also faced broad declines, with silver plunging 13% to $76 an ounce and gold slipping 2% to $4,865 per ounce.
See More
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- Qualcomm's Downgraded Forecast: Qualcomm's stock plummeted nearly 11% as the company projected adjusted earnings of $2.45 to $2.65 per share and revenue of $10.2 to $11 billion for Q2, both below analyst expectations of $11.11 billion and $2.89 per share, reflecting concerns over a global memory shortage.
- Estee Lauder's Disappointing Results: Despite reporting adjusted earnings of $0.89 per share, exceeding the $0.84 expected by analysts, Estee Lauder's stock fell 12%, indicating market skepticism about future growth, even as the company raised its full-year earnings guidance to $2.05 to $2.25 per share.
- Align Technology's Strong Performance: Align Technology's stock rose 2.7% after reporting fourth-quarter earnings of $3.29 per share, surpassing the $2.97 consensus estimate, with revenue of $1.05 billion exceeding expectations of $1.03 billion, showcasing robust demand for its products.
- Bristol-Myers Squibb's Stock Increase: The pharmaceutical giant's stock gained 2% after posting fourth-quarter adjusted earnings of $1.26 per share and revenues of $12.5 billion, both exceeding analyst expectations, highlighting its competitive strength and growth potential in the market.
See More
Corpay Reports Q4 Earnings Beat and 2026 Growth Outlook
- Earnings Beat: Corpay's Q4 Non-GAAP EPS of $6.04 exceeded expectations by $0.10, with revenue of $1.25 billion reflecting a 21.4% year-over-year increase, surpassing estimates by $20 million, indicating robust business fundamentals and market demand.
- 2026 Fiscal Outlook: The company forecasts a 16% revenue growth and a 22% adjusted EPS growth for FY 2026, driven by strong business fundamentals, accretive acquisitions, and a favorable macroeconomic environment, showcasing confidence in future performance.
- Organic Growth Expectations: Corpay anticipates a 10% organic revenue growth for FY 2026, maintaining tight expense management, and leveraging fourth-quarter share repurchases to significantly boost adjusted EPS, thereby enhancing investor confidence.
- Q1 Outlook: For Q1 2026, organic revenue growth is expected to be 9%, with adjusted EPS projected to grow over 20%, as revenue and adjusted EPS are anticipated to build significantly throughout the year due to organic growth and realization of deal synergies.
See More
