Key Takeaways CPAY posted better-than-expected Q4 results, with EPS rising 12.7% and revenues increasing 20.7% y/y.CPAY vehicle and corporate payments grew, supported by regional sales and Alpha Group integration.CPAY guided 2026 revenues of $5.22B-$5.32B and adjusted EPS of $25.50-$26.50.Corpay, Inc. (CPAY) reported better-than-expected fourth-quarter 2025 results.CPAY’s earnings per share of $6.04 beat the consensus mark by 1.5% and rose 12.7% year over year. Total revenues of $1.2 billion marginally exce ...

Corpay (CPAY) reported $1.25 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 20.7%. EPS of $6.04 for the same period compares to $5.36 a year ago.The reported revenue represents a surprise of +0.63% over the Zacks Consensus Estimate of $1.24 billion. With the consensus EPS estimate being $5.95, the EPS surprise was +1.47%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine the ...

Financial Data and Key Metrics Changes - The company reported Q4 revenue of $1.248 billion, up 21% year-over-year, and cash EPS of $6.04, up 13% [3][4][13] - Full year revenue reached $4.528 billion, an increase of 14%, with cash EPS of $21.38, up 12% [4][14] - Organic revenue growth for the full year was 10%, marking four out of the last five years with similar growth rates [5][14] Business Line Data and Key Metrics Changes - Corporate payments segment achieved 16% organic growth in Q4, driven by a 44% increase in spend volumes [14][15] - Vehicle payments segment also saw 10% organic revenue growth, with strong results across the US, Europe, and Brazil [15][16] - The lodging segment decreased by 7% year-over-year, with expectations of low single-digit growth in 2026 [16] Market Data and Key Metrics Changes - Cross-border business continued to show resilience, with strong sales performance despite trade-related uncertainties [15] - The company noted a stable retention rate of 92.3% and a 29% increase in new sales year-over-year [4][14] Company Strategy and Development Direction - The company plans to simplify its portfolio, focusing on corporate payments and divesting non-core assets [8][19] - Key priorities for 2026 include enhancing USA sales, expanding payables, improving cross-border capabilities, and implementing AI solutions [10][11] - The company is optimistic about the macroeconomic environment, expecting favorable FX rates and lower SOFR rates to support growth [8][20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving 2026 guidance, projecting revenue of $5.265 billion and cash EPS of $26, reflecting a 16% and 22% increase, respectively [7][20] - The company anticipates continued organic revenue growth of 10% in 2026, despite some headwinds from float revenue compression [20][22] - Management highlighted the importance of sales growth and the successful integration of acquisitions as key drivers for future performance [10][70] Other Important Information - The company repurchased 1.7 million shares in Q4 for $500 million, with a total of $1.5 billion authorized for future buybacks [18] - The company has remediated a material weakness related to user access, which will be formally reported in the upcoming 10-K [23] Q&A Session Summary Question: Can you elaborate on payables monetization initiatives? - Management acknowledged the need to diversify payment options beyond virtual cards and is testing new methods like e-checks and instant payments, expecting to see impacts by Q2 or Q3 [25][26] Question: What is the organic revenue growth for domestic vehicle payments versus Brazil? - The US vehicle payments business saw approximately 5% organic growth for the quarter, with consistent results across Europe and Brazil [27][28] Question: What is the sustainability of the vehicle payments growth rate? - Management indicated that sales efforts are crucial for sustaining growth, with recent improvements in retention and approval rates in the US vehicle business [31][32] Question: What is the expected contribution from recent acquisitions? - Management is confident in achieving $1 of cash EPS from the Alpha and Avid acquisitions, with synergies expected to materialize in the second half of the year [36][37] Question: How does the company view the impact of potential tariff rollbacks? - Management believes that tariff certainty would benefit the cross-border business, as uncertainty previously affected performance [74][76]

Corpay (NYSE:CPAY) Q4 2025 Earnings call February 04, 2026 05:30 PM ET Company ParticipantsDarrin Peller - Managing DirectorJim Eglseder - Head of Investor RelationsMichael Infante - VP of Equity ResearchPeter Walker - CFORayna Kumar - Managing Director of Fintech Equity ResearchRon Clarke - Chairman and CEOTrevor Williams - Managing Director of Payments and FinTech Equity ResearchConference Call ParticipantsAndrew Jeffrey - Research Analyst of Financial Services and TechnologyDave Koning - Senior Research ...

Corpay (NYSE:CPAY) Q4 2025 Earnings call February 04, 2026 05:30 PM ET Speaker0Hello and welcome everyone joining today's Corpay fourth quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. Later, you will have the opportunity to ask questions during the question-and-answer session. To register to ask a question at any time, please press star 1 on your telephone keypad. Please note this call is being recorded. We are standing by if you should need any assistance. I ...

Corpay (CPAY) came out with quarterly earnings of $6.04 per share, beating the Zacks Consensus Estimate of $5.95 per share. This compares to earnings of $5.36 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +1.47%. A quarter ago, it was expected that this provider of fuel card and payment products for businesses would post earnings of $5.63 per share when it actually produced earnings of $5.7, delivering a surprise of +1.24%.O ...

Q4 2025 Earnings Release Supplement Refer to earnings release dated February 4, 2026 for further information ^ - dark blue-teal #00B5E2 ^ - light raspberry #981239 ^ - dark raspberry #981239 ^ - light blue-teal #59CBE8 ^ - cool gray 1 #E6E8E7 ^ Q4 2025 Results Safe Harbor Provision 2025 ^ This presentation contains forward-looking statements within the meaning of the federal securities laws. Statements that are not historical facts, including statements about Corpay's beliefs, assumptions, expectations and ...

Business payments firm Corpay reported a rise in fourth-quarter profit on Wednesday, as resilient business spending boosted its corporate payments segment. ...

Exhibit 99.1 Corpay Reports Fourth Quarter and Full Year Financial Results 4th Quarter: 21% revenue growth, 11% organic revenue growth, and 13% adjusted EPS growth Atlanta, Ga., February 4, 2026 — Corpay, Inc. (NYSE: CPAY), the corporate payments company, today reported financial results for its fourth quarter and year ended December 31, 2025. "We had a strong finish to 2025, with fourth quarter revenue, organic revenue and adjusted net income per share finishing ahead of expectations," said Ron Clarke, cha ...

For over 25 years Lightyear has partnered with growing companies at the nexus of financial services and technology, healthcare, and business services, working closely with management and leveraging its industry expertise, network of advisors and operating resources to accelerate growth and build market-leading businesses. PayByPhone is a leading provider of digital parking payments and mission critical parking management software to more than 1,300 clients globally. Lightyear's investment in PayByPhone will ...