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]

Core Insights - Corpay, Inc. (CPAY) is set to release its fourth-quarter 2025 results on February 4, with expectations of surpassing the Zacks Consensus Estimate based on previous performance [1] Revenue Expectations - The Zacks Consensus Estimate for total revenues is $1.2 billion, reflecting a 19.9% increase from the same quarter last year [2] - Vehicle Payments segment revenues are estimated at $566.5 million, indicating a 13.8% year-over-year rise, driven by higher sales production, approval rates, and strong retention in the U.S. [2] - Corporate Payments revenues are projected to reach $475.8 million, a significant 37.4% increase from the previous year, supported by growth in spend volumes [3] - The Lodging Payments segment is expected to generate $119.8 million, showing a slight year-over-year decline [4] - Other Payments revenues are anticipated to be $79.4 million, marking a 13.9% growth from the prior year, attributed to a surge in the gift business [5] Earnings Projections - The consensus estimate for earnings per share is $5.95, suggesting an 11% year-over-year growth [5] - The current model indicates that CPAY may not conclusively predict an earnings beat, with an Earnings ESP of +4.14% and a Zacks Rank of 4 (Sell) [6]

Q3 2025 Performance - Revenues reached $1.17 billion, a 14% year-over-year increase[10] - Adjusted EPS was $5.70, up 14% year-over-year, and 17% on a constant macro basis[10] - Organic revenue growth was 11%[10] - Adjusted EBITDA was $677 million, a 14% year-over-year increase[10] - Revenue retention improved to 92.4%[10] Segment Performance - Corporate Payments revenue grew by 17%, or 18% excluding float[10] - Vehicle Payments organic revenue growth was 10%[15] - Corporate Payments organic revenue growth was 17%[15] - Lodging Payments organic revenue declined by 5%[15] Guidance and Outlook - Q4 2025 GAAP revenue is projected between $1.225 billion and $1.245 billion, a 19% year-over-year increase[36] - Full year 2025 GAAP revenue is projected between $4.505 billion and $4.525 billion, a 14% year-over-year increase[36] - The company expects organic revenue growth of 9%-11% in 2026[41]

Core Insights - Corpay (CPAY) is expected to report quarterly earnings of $5.13 per share, reflecting a year-over-year increase of 12.8% [1] - Anticipated revenues for the quarter are projected to be $1.1 billion, which represents a 12.7% increase compared to the same quarter last year [1] Earnings Estimates - The consensus EPS estimate has been revised 1.2% higher over the last 30 days, indicating a collective reevaluation by analysts [2] - Changes in earnings estimates are crucial for predicting investor reactions, with empirical studies showing a strong relationship between earnings estimate revisions and short-term stock performance [3] Revenue Forecasts - Analysts predict 'Revenues- Corporate Payments' will reach $385.68 million, a year-over-year increase of 33.7% [5] - 'Revenues- Vehicle Payments' are expected to be $525.69 million, showing a 3% increase year-over-year [5] - 'Revenues- Lodging Payments' are forecasted at $122.91 million, indicating a slight increase of 0.4% from the previous year [5] - 'Revenues- Other Payments' are estimated to be $61.97 million, reflecting a 13.5% increase from the prior year [6] Transaction and Operating Income Estimates - 'Spend volume - Corporate Payments' is projected to reach 54.03 million, up from 42.88 million in the same quarter last year [7] - 'Operating income- Corporate Payments' is expected to be $144.83 million, compared to $120.56 million in the previous year [9] - 'Operating income- Vehicle Payments' is forecasted at $259.50 million, up from $242.03 million year-over-year [9] - 'Operating income- Lodging' is estimated to be $55.18 million, slightly down from $56.39 million in the same quarter last year [10] Market Performance - Corpay shares have decreased by 6.7% in the past month, contrasting with a 0.6% increase in the Zacks S&P 500 composite [10]

Core Insights - Corpay (CPAY) reported revenue of $1.01 billion for the quarter ended March 2025, reflecting a year-over-year increase of 7.5% [1] - Earnings per share (EPS) for the quarter was $4.51, up from $4.10 in the same quarter last year, with an EPS surprise of +0.45% compared to the consensus estimate of $4.49 [1] - The reported revenue matched the Zacks Consensus Estimate, resulting in a slight revenue surprise of -0.43% [1] Financial Performance Metrics - Corpay's shares have returned +13.8% over the past month, outperforming the Zacks S&P 500 composite's +11.5% change [3] - The company holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3] Key Revenue Metrics - Lodging Payments recorded 9.8 million room nights, exceeding the average estimate of 9.2 million [4] - Corporate Payments generated revenues of $352.66 million, surpassing the average estimate of $346.20 million, with a year-over-year increase of +32.9% [4] - Vehicle Payments revenues were $487.11 million, slightly below the average estimate of $492.03 million, representing a year-over-year decline of -1.4% [4] - Lodging Payments revenues were $110.22 million, also below the average estimate of $113.03 million, reflecting a -1% year-over-year change [4] - Other Payments revenues were $55.67 million, slightly above the average estimate of $55.59 million, but showed a significant year-over-year decline of -13.7% [4]

Core Insights - Corpay (CPAY) is expected to report quarterly earnings of $4.49 per share, reflecting a year-over-year increase of 9.5% [1] - Projected revenues for the quarter are $1.01 billion, which represents an 8% increase from the same quarter last year [1] - The consensus EPS estimate has been revised 0.5% higher in the last 30 days, indicating a collective reevaluation by analysts [1][2] Revenue Estimates - Analysts forecast 'Revenues- Corporate Payments' to be $346.20 million, showing a year-over-year increase of 30.5% [4] - 'Revenues- Vehicle Payments' are expected to be $492.03 million, indicating a slight decrease of 0.4% from the prior year [4] - 'Revenues- Lodging Payments' are projected to reach $113.03 million, reflecting a year-over-year change of 1.6% [4] Other Payment Metrics - 'Revenues- Other Payments' are estimated at $55.59 million, which indicates a decline of 13.8% from the previous year [5] - 'Lodging Payments - Room nights' are expected to total 9.20 million, an increase from 8.2 million reported in the same quarter last year [5] Spend Volume and Net Revenue - The consensus estimate for 'Spend volume - Corporate Payments' is 46.98 million, up from 36.8 million in the same quarter last year [6] - 'Revenues, net per room night - Lodging Payments' is projected to be $12.34, down from $13.52 reported in the same quarter of the previous year [6] Transaction Estimates - 'Other - Transactions' are forecasted to reach 343.83 million, a decrease from 367.3 million reported in the same quarter last year [7] - Corpay shares have decreased by 9.3% in the past month, contrasting with the Zacks S&P 500 composite's decline of 0.7% [7]