Core Insights - Corpay, Inc. (CPAY) reported strong third-quarter 2025 results, with earnings and revenues exceeding the Zacks Consensus Estimate [1][9] - Earnings per share reached $5.7, surpassing estimates by 1.2% and reflecting a 14% year-over-year increase [1][9] - Total revenues amounted to $1.2 billion, exceeding estimates slightly and showing a 13.9% increase from the previous year [1][9] Segment Performance - Vehicle payments generated revenues of $553.2 million, a 9% increase year-over-year, beating the estimate of $550.3 million [3] - Corporate payments revenues were $409.7 million, up 27% year-over-year, surpassing the estimate of $398.5 million [4] - Lodging payments revenues declined by 5% year-over-year to $127 million, missing the projection of $138 million [4] Financial Metrics - EBITDA increased by 12.5% year-over-year to $627.5 million, though it fell short of the estimate of $630.6 million [5] - The EBITDA margin was reported at 57.7%, down 10 basis points from the previous year [5] Balance Sheet and Cash Flow - Corpay ended Q3 2025 with cash and cash equivalents of $2 billion, down from $2.2 billion in Q2 2025 [6] - Long-term debt decreased to $5.8 billion from $5.9 billion in the previous quarter [6] - The company utilized $378.9 million in cash from operating activities during the quarter, with capital expenditures of $50.9 million [6] 2025 Outlook - CPAY raised its revenue guidance for 2025 to a range of $4.51-$4.53 billion, higher than the previous estimate of $4.41-$4.49 billion and above the Zacks Consensus Estimate of $4.46 billion [7] - The guidance for adjusted net income per diluted share was increased to $21.14-$21.34, compared to the prior range of $20.86-$21.26, also above the Zacks Consensus Estimate of $21.10 [7]

Corpay (NYSE:CPAY) Q3 2025 Earnings Call November 05, 2025 05:30 PM ET Speaker0Good afternoon, and thank you for joining us today for our earnings call to discuss third quarter 2025 results. With me today are Ron Clarke, our Chairman and CEO, and Peter Walker, our CFO. Our earnings release and supplemental materials for the quarter are available on the Investor Relations section of corpay.com. Please refer to these materials for an explanation of the non-GAAP financial measures discussed on this call, along ...

Corpay (CPAY) came out with quarterly earnings of $5.7 per share, beating the Zacks Consensus Estimate of $5.63 per share. This compares to earnings of $5 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +1.24%. A quarter ago, it was expected that this provider of fuel card and payment products for businesses would post earnings of $5.13 per share when it actually produced earnings of $5.13, delivering no surprise.Over the last ...

Q3 2025 Earnings Release Supplement Refer to earnings release dated November 5, 2025 for further information ^ - dark blue-teal #00B5E2 ^ - light raspberry #981239 ^ - dark raspberry #981239 ^ - light blue-teal #59CBE8 ^ - cool gray 1 #E6E8E7 ^ - maroon #3D1628 Q3 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 ...

EXECUTION VERSION SEVENTEENTH AMENDMENT TO CREDIT AGREEMENT Dated as of November 5, 2025 among CORPAY TECHNOLOGIES OPERATING COMPANY, LLC, as the Company, CORPAY, INC., as the Parent, THE DESIGNATED BORROWERS PARTY HERETO, CAMBRIDGE MERCANTILE CORP. (U.S.A.), as the Additional Borrower, THE OTHER GUARANTORS PARTY HERETO, THE INCREMENTAL LENDERS PARTY HERETO, and BANK OF AMERICA, N.A., as the Administrative Agent and the Foreign Swing Line Lender BANK OF AMERICA, N.A., BARCLAYS BANK PLC, JPMORGAN CHASE BANK, ...

With a market cap of $20.1 billion, Corpay, Inc. (CPAY) is a global corporate payments leader that helps businesses and consumers manage expenses efficiently through modern payment solutions. With over 800,000 clients worldwide, Corpay simplifies vehicle, travel, and vendor payments, driving time and cost savings across industries. The Atlanta, Georgia-based company is expected to announce its fiscal Q3 2025 results after the market closes on Wednesday, Nov. 5. Ahead of this event, analysts expect Corpay ...

Core Points - Corpay, Inc. has announced the satisfaction of regulatory conditions for the acquisition of Alpha Group International PLC [1] - The acquisition received shareholder approval from Alpha on September 22, 2025, and has also been approved by the FCA, MFSA, and the Italian FDI Authority [1] - Completion of the acquisition is still subject to additional conditions [1]

Core Insights - Corpay, Inc. has completed a take-private transaction for AvidXchange Holdings, Inc. in partnership with TPG, initially announced on May 6, 2025 [1] - Corpay invested approximately $550 million for a 34% equity stake in AvidXchange [1] - The transaction is expected to be slightly accretive to Corpay's earnings in the fourth quarter of 2025 and accretive in 2026 [1]

Core Insights - AvidXchange Holdings, Inc. has been acquired by TPG and Corpay for $10.00 per share, valuing the company at approximately $2.2 billion, transitioning it to a private entity [1][4]. Company Overview - AvidXchange is a leading provider of accounts payable (AP) automation software and payment solutions, serving over 8,500 businesses and facilitating payments to more than 1,350,000 suppliers in the past five years [7]. Acquisition Details - TPG acquired a majority interest in AvidXchange through TPG Capital, while Corpay obtained a minority interest. The acquisition was announced on May 6, 2025, approved by shareholders on September 16, 2025, and closed on October 15, 2025 [4]. - Following the acquisition, AvidXchange shares have ceased trading and the company is no longer listed on the Nasdaq Global Select Market [5]. Future Growth Prospects - The management team, including CEO Mike Praeger, expressed optimism about leveraging TPG and Corpay's resources to accelerate innovation and growth, aiming to enhance solutions for customers and expand the company's market presence [2][3].

Core Insights - The article compares Corpay (CPAY) and MasterCard (MA) to determine which stock offers better value for investors [1] Valuation Metrics - Both CPAY and MA currently hold a Zacks Rank of 2 (Buy), indicating positive earnings estimate revisions for both companies [3] - CPAY has a forward P/E ratio of 13.29, significantly lower than MA's forward P/E of 34.15 [5] - CPAY's PEG ratio is 1.01, while MA's PEG ratio is 2.28, suggesting CPAY is more reasonably priced relative to its expected earnings growth [5] - CPAY has a P/B ratio of 4.98 compared to MA's P/B of 64, indicating a more favorable valuation based on book value [6] - Based on these valuation metrics, CPAY is rated with a Value grade of B, while MA has a Value grade of D, suggesting CPAY is the superior value option [6]