Corpay, Inc.(US:CPAY) ZACKS·2025-12-05 17:36Core Insights - Corpay's shares have increased by approximately 7% since the last earnings report, outperforming the S&P 500 [1] - The company reported strong Q3 2025 results, with earnings per share of $5.7, exceeding estimates by 1.2% and showing a 14% year-over-year increase [2] - Total revenues reached $1.2 billion, surpassing estimates and reflecting a 13.9% increase from the previous year [2] Segment Performance - Vehicle payments generated revenues of $553.2 million, a 9% increase year-over-year, exceeding estimates [3] - Corporate payments revenues amounted to $409.7 million, up 27% year-over-year, also surpassing estimates [4] - Lodging payments saw a decline, with revenues of $127 million, down 5% from the previous year, missing projections [4] Financial Metrics - EBITDA rose by 12.5% year-over-year to $627.5 million, though it fell short of estimates [5] - The EBITDA margin was reported at 57.7%, a slight decrease of 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 [6] Future Outlook - Revenue guidance for 2025 has been raised to $4.51-$4.53 billion, up from the previous estimate of $4.41-$4.49 billion [7] - Adjusted net income per diluted share guidance was also increased to $21.14-$21.34 from $20.86-$21.26 [7] Market Position - Corpay has a Zacks Rank of 3 (Hold), indicating expectations for an in-line return in the coming months [11] - The stock has a poor Growth Score of F, a Momentum Score of D, and a Value Score of B, placing it in the top 40% for value investors [10]