Core Insights - The article emphasizes a strategy that combines technical analysis with the CAN SLIM method to identify high-growth, underanalyzed companies in the micro-cap market [1] Group 1: Investment Strategy - The focus is on financial trends, profit growth, and institutional capital accumulation to uncover stocks with significant upside potential [1] - Key indicators prioritized include relative strength, trading volume shifts, and accelerating profit growth, which help in identifying stocks with the highest potential [1] Group 2: Research Approach - The research approach integrates both fundamental and technical analysis, allowing for the identification of strong growth stocks before they gain widespread attention [1] - Writing for Seeking Alpha is described as an integral part of the investment process, enabling refinement of strategies and engagement with the investor community [1] Group 3: Analysis Focus - The articles aim to deliver in-depth company analyses, focusing on stocks with strong growth trends, improving fundamentals, and technical setups that signal potential breakouts [1] - The structured research is intended to enhance market understanding and provide actionable investment insights [1]

Core Insights - Shares of Corpay, Inc. (CPAY) have increased by 7.8% over the past month, outperforming the industry which declined by 6.7% [1][10] - The company anticipates a 20.2% year-over-year earnings growth for Q1 2026, with projected earnings growth of 19.6% in 2026 and 15.7% in 2027 [1][10] - Revenue growth is expected to be 16.5% in 2026 and 9.4% in 2027 [1] Revenue Growth Factors - CPAY's revenue growth is supported by a multi-channel approach to marketing and selling its commercial payment solutions, utilizing digital channels, direct sales forces, and partner relationships [2] - The company employs specialized sales forces across various channels, including field sales, telesales, and digital marketing, while also leveraging partnerships with major oil companies and other entities [3] Geographic Performance - CPAY has shown strong results in its vehicle payment businesses across the United States, Europe, and Brazil, with the U.S. being the most successful market [4] - The company has recently acquired a second local vehicle debt company in Brazil to enhance non-toll revenue growth [4] Strategic Acquisitions - CPAY is actively pursuing acquisitions to enhance performance and expand its customer base, including the acquisition of AvidXchange for accounts payable automation solutions [5] - The company also acquired Alpha Group International plc to strengthen its global customer reach and made a minority investment in Mastercard [6] Financial Position - CPAY's current ratio stands at 0.98, which is below the industry average of 1.14, indicating potential challenges in meeting short-term obligations [7]

Core Insights - Zacks Premium offers various tools for investors to enhance their stock market strategies and confidence in investing [1] Zacks Style Scores - Zacks Style Scores are indicators that help investors select stocks likely to outperform the market in the next 30 days, rated from A to F based on value, growth, and momentum characteristics [2] - The Style Scores consist of four categories: Value Score, Growth Score, Momentum Score, and VGM Score, each focusing on different investment strategies [3][4][5][6] Value Score - The Value Score identifies stocks trading below their true value using ratios like P/E, PEG, Price/Sales, and Price/Cash Flow to find attractive investment opportunities [3] Growth Score - The Growth Score emphasizes a company's financial health and future outlook, analyzing projected and historical earnings, sales, and cash flow to identify stocks with sustainable growth potential [4] Momentum Score - The Momentum Score focuses on stocks with upward or downward price trends, utilizing recent price changes and earnings estimate shifts to identify favorable buying opportunities [5] VGM Score - The VGM Score combines the three Style Scores to identify stocks with the best value, growth forecasts, and momentum, serving as a strong indicator alongside the Zacks Rank [6] Zacks Rank - The Zacks Rank is a proprietary model that uses earnings estimate revisions to simplify portfolio building, with 1 (Strong Buy) stocks achieving an average annual return of +23.83% since 1988, significantly outperforming the S&P 500 [7][8] Stock Selection Strategy - Investors are encouraged to select stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B to maximize potential success, while stocks with lower ranks should also have strong Style Scores to ensure upside potential [9][10] Company Spotlight: Corpay, Inc. - Corpay, Inc. is a global commercial payments solution provider, helping businesses automate and control payments across various regions [11] - Corpay holds a Zacks Rank of 3 (Hold) with a VGM Score of B and a Momentum Style Score of B, having seen a 7.6% increase in shares over the past four weeks [11][12] - Recent upward revisions in earnings estimates by analysts have increased the Zacks Consensus Estimate for Corpay to $25.58 per share, with an average earnings surprise of +0.8% [12]

Core Insights - Corpay Cross-Border has extended its exclusive partnership with Rugby Australia, continuing as their Official Foreign Exchange (FX) Payments Partner for multiple years [1] - The partnership includes support for both the Men's and Women's Australian National Rugby Union Teams, the Wallabies and Wallaroos [1] - Corpay has been providing foreign exchange payment solutions to Rugby Australia since 2023, and this extension will enhance the financial services available to Rugby Australia's corporate partners [1] Company Overview - Corpay, Inc. (NYSE: CPAY) is a global leader in corporate payments, offering a range of financial solutions to help businesses manage expenses effectively [1] - The company specializes in corporate foreign exchange payment solutions and currency risk management [1] - Corpay's services aim to simplify payment processes for various expenses, including travel and vendor payments, ultimately saving customers time and money [1] Industry Context - Rugby Australia serves as the national governing body for rugby in Australia, overseeing all levels of the sport and managing domestic competitions [1] - The partnership with Corpay aligns with Rugby Australia's goals to enhance its financial operations and support its global business dealings [1] - The collaboration reflects a growing trend in sports organizations partnering with fintech companies to improve financial management and operational efficiency [1]

Company Overview - Corpay, Inc. is a global commercial payments solution provider based in Peachtree Corners, GA, helping companies automate, secure, digitize, and control payments for employees and suppliers [11] - The company serves businesses, partners, and merchants across North America, Latin America, Europe, and the Asia Pacific [11] Investment Ratings - Corpay has a Zacks Rank of 3 (Hold) and a VGM Score of B, indicating a moderate investment outlook [11] - The Value Style Score for Corpay is also rated B, supported by a forward P/E ratio of 14.04, which is attractive for value investors [12] Earnings Estimates - In the last 60 days, three analysts have revised their earnings estimates higher for fiscal 2026, with the Zacks Consensus Estimate increasing by $0.40 to $25.22 per share [12] - Corpay has an average earnings surprise of +0.8%, suggesting a positive trend in earnings performance [12] Investment Considerations - With a solid Zacks Rank and strong Value and VGM Style Scores, Corpay is recommended for investors' consideration [12]

Core Insights - Corpay, Inc. (CPAY) reported better-than-expected fourth-quarter 2025 results, with earnings per share of $6.04, beating the consensus mark by 1.5% and increasing 12.7% year over year. Total revenues reached $1.2 billion, exceeding the consensus estimate and rising 20.7% from the previous year [1][7]. Segmental Results - Vehicle payments generated revenues of $572.9 million, a 9.5% increase from the year-ago quarter, surpassing the consensus estimate of $550.3 million, driven by strong sales in the United States, Europe, and Brazil [2]. - Corporate payments revenues totaled $480.8 million, up 38.9% year over year, exceeding the consensus estimate of $475.8 million, supported by strength in the payables business and strategic investments [3]. - Lodging payments reported revenues of $113 million, a decline of 6.9% from the year-ago quarter, missing projections of $119.8 million [3]. CPAY's Margins - Adjusted EBITDA increased 17.7% year over year to $712 million, with an adjusted EBITDA margin of 57.1%, a decline of 40 basis points from the previous year [4]. Key Balance Sheet and Cash Flow Figures - At the end of Q4 2025, Corpay had cash and cash equivalents of $2.5 billion, up from $2 billion in Q3 2025. Long-term debt increased to $6.7 billion from $5.8 billion in the previous quarter. The company generated $812.8 million in cash from operating activities, with capital expenditures of $52.4 million [5]. CPAY's Q1 and 2026 Guidance - For Q1 2026, CPAY anticipates revenues between $1.20 billion and $1.22 billion, with adjusted net income per share expected to be between $5.38 and $5.52. For the full year 2026, revenues are projected to be between $5.22 billion and $5.32 billion, with adjusted net income per share expected in the range of $25.50 to $26.50 [6].

Core Insights - Corpay (CPAY) reported $1.25 billion in revenue for the quarter ended December 2025, marking a year-over-year increase of 20.7% and an EPS of $6.04 compared to $5.36 a year ago, exceeding both revenue and EPS consensus estimates [1] Financial Performance - The reported revenue of $1.25 billion was a surprise of +0.63% over the Zacks Consensus Estimate of $1.24 billion, while the EPS surprise was +1.47% against the consensus estimate of $5.95 [1] - Corpay's shares have returned -8% over the past month, contrasting with the Zacks S&P 500 composite's +0.9% change, and the stock currently holds a Zacks Rank 4 (Sell) [3] Key Metrics - Corporate Payments spend volume reached 81.43 million, exceeding the estimated 67.64 million [4] - Lodging Payments room nights totaled 7.9 million, below the estimated 10.07 million [4] - Revenues per room night in Lodging Payments were $14.18, surpassing the $11.96 average estimate [4] - Revenues from Corporate Payments were $480.79 million, representing a +38.9% year-over-year change, and exceeded the average estimate of $475.81 million [4] - Revenues from Vehicle Payments were $572.85 million, reflecting a +15.1% year-over-year change, also surpassing the average estimate of $566.51 million [4] - Revenues from Lodging Payments were $112.51 million, which is a -6.9% year-over-year change and below the average estimate of $119.8 million [4] - Revenues from Other Payments were $82.07 million, exceeding the estimated $79.37 million and showing a +17.8% year-over-year change [4]

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]

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% [4][14] - Full year revenue for 2025 was $4.528 billion, representing a 14% increase, with cash EPS of $21.38, up 12% [6][15] - Organic revenue growth for the full year was 10%, marking four out of the last five years with growth of 10% or higher [6][15] Business Line Data and Key Metrics Changes - Corporate payments segment grew 16% organically in Q4, driven by increased spend volumes, which rose 44% on a pro forma basis [15] - Vehicle payments segment achieved 10% organic revenue growth in Q4, with strong results across the U.S., Europe, and Brazil [16] - The lodging segment decreased by 7% year-over-year, with expectations of low single-digit growth in 2026 [17] Market Data and Key Metrics Changes - New sales or bookings increased by 29% year-over-year, indicating robust sales momentum [5] - Same-store sales turned positive, up 1%, while overall revenue retention remained stable at 92% [5][15] Company Strategy and Development Direction - The company aims to simplify its portfolio, focusing on corporate payments and divesting non-core assets like PayByPhone [9][21] - Key priorities for 2026 include enhancing U.S. sales, expanding payables, improving cross-border capabilities, and implementing AI solutions [10][12] - The company plans to leverage acquisitions, particularly the Alpha acquisition, to drive revenue growth and operational synergies [8][9] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the 2026 guidance, projecting revenue of $5.265 billion, up 16%, and cash EPS of $26, up 22% [8][22] - The macroeconomic environment is expected to be favorable, with stable tax rates and lower interest rates contributing to growth [9][22] - Management highlighted the importance of sales growth and retention in sustaining business momentum [34] 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 [20] - The company has remediated a material weakness related to user access, which will be formally reported in the 10-K [25] 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 [27][28] Question: What is the organic revenue growth for domestic vehicle payments versus Brazil? - Domestic vehicle payments achieved approximately 5% organic growth for the quarter, with consistent results across Europe and Brazil contributing to the overall 10% growth [29][30] Question: What are the expectations for corporate payments growth? - Management indicated that the corporate payments segment has the sales pipeline to support mid-teens growth, although float revenue compression may impact results [43][44] Question: What are the lessons learned from the PayByPhone acquisition? - Management noted that while the initial thesis for the acquisition did not fully materialize, they successfully increased profits and are selling the asset for a profit [51] Question: What is the outlook for the lodging segment? - Management acknowledged the challenges in the lodging segment but noted stabilization and improvements in new sales as key to future growth [63]

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][12] - Full year revenue for 2025 was $4.528 billion, an increase of 14%, with cash EPS of $21.38, up 12% [4][13] - Organic revenue growth for the full year was 10%, marking four out of the last five years with 10% or higher organic growth [4][14] Business Line Data and Key Metrics Changes - Corporate payments segment grew 16% organically in Q4, despite a 200 basis points drag from float revenue compression [14][16] - Vehicle payments organic revenue growth was 10% in Q4, with strong results across the US, Europe, and Brazil [15][16] - Lodging segment decreased 7% year-over-year, with expectations of low single-digit growth in 2026 [16][19] Market Data and Key Metrics Changes - Cross-border business showed resilience with strong sales performance, despite trade-related uncertainties [15][16] - Spend volumes in corporate payments increased 44% on a pro forma basis to over $81 billion [14] Company Strategy and Development Direction - The company aims to simplify its portfolio and accelerate the rotation towards corporate payments, with plans for divestitures and acquisitions [5][9] - Key priorities for 2026 include enhancing USA sales, expanding payables, focusing on cross-border capabilities, and implementing AI solutions [10][11] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in 2026 guidance, projecting revenue of $5.265 billion, up 16%, and cash EPS of $26, up 22% [6][21] - The macro environment is expected to be favorable, with lower SOFR rates and a stable tax rate contributing to growth [8][21] Other Important Information - The company repurchased 1.7 million shares in Q4 for $500 million, with a total of $1.5 billion authorized for share repurchases [18][19] - The company has remediated a material weakness related to user access, which will be formally reported in the 10-K [24] 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 in Q2 or Q3 [26] Question: What is the organic revenue growth for domestic vehicle payments versus Brazil? - Domestic vehicle payments saw approximately 5% organic growth for the quarter, with consistent results across Europe and Brazil contributing to the overall 10% growth [28] Question: What are the expectations for corporate payments growth? - Management indicated confidence in mid-teens growth for corporate payments, supported by a strong sales pipeline and successful integration of recent acquisitions [41] Question: What are the drivers for lodging growth? - Management noted that while lodging has stabilized, the focus will be on generating new sales to drive growth, with expectations for low single-digit growth in 2026 [91]