Corpay, Inc. (CPAY)
Corpay is a financial technology company that helps businesses manage their spending, from fuel cards for lorries to automated corporate payments.
Is Corpay, Inc. a good stock for a UK beginner?
The honest version: Corpay is a financial technology company that helps businesses manage their spending, from fuel cards for lorries to automated corporate payments.
Over about 2 years to 2026-07-31. This is the share price only; any dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
Dominance in the corporate payment software sector
Technological disruption making their services obsolete
What does Corpay, Inc. do?
Corpay acts as a digital middleman, helping companies control and track their expenses through specialised payment cards and software. A small fee, taken whenever these cards or payment systems are used, is where the income comes from. How they balance growth in digital payment services against the costs of their traditional fuel card business is the thing to follow.
On our factor screen it looks strongest on momentum and growth, and weakest on income.
- !Pays no dividend - the whole return rides on the share price
- ✓Growing - revenue up about 25% over the year
- ✓Very profitable - turns about 25% of sales into profit
- !Carries a lot of debt - roughly 2.7x its equity
- ✓Strong return on shareholder money (ROE 32%)
- Growth screens high (78/100)
- Momentum screens high (78/100)
- Very high profit margins compared to many other industries
- Strong growth in both revenue and earnings
- Efficient use of shareholder capital
- Income screens low (16/100)
- Economic downturns often lead to reduced business travel and spending
- Rapid changes in payment technology could threaten their business model
- Regulatory changes in the financial services sector
What do Corpay, Inc.'s numbers mean?
How much money does Corpay, Inc. make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Does Corpay, Inc. pay a dividend?
No - Corpay, Inc. doesn't currently pay a dividend, so the whole return would rest on the share price. Plenty of growing companies reinvest their profits instead of paying them out - neither approach is better or worse, they're just different.
When does Corpay, Inc. report earnings, and how did recent quarters go?
Corpay, Inc. is next scheduled to report on about 2026-08-05 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-05-07 | $5.47 | $5.80 | Beat +6% |
| 2026-02-04 | $5.94 | $6.04 | Beat +2% |
| 2025-11-05 | $5.64 | $5.70 | Beat +1% |
| 2025-08-06 | $5.12 | $5.13 | In line |
| 2025-05-06 | $4.51 | $4.51 | In line |
| 2025-02-05 | $5.35 | $5.36 | In line |
Across the last 6 quarters here, Corpay, Inc. came in ahead of what analysts expected 3 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
More in Technology
Micron Technology
Western Digital
NVIDIA
Gen Digital
Dell Technologies
Teradyne
Fidelity National Information Services
Hewlett Packard EnterpriseWhat are the scenarios for Corpay, Inc.?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Corpay, Inc.?
How many points the write-up makes each way — a balance check, not a score or verdict.
- Very high profit margins compared to many other industries
- Strong growth in both revenue and earnings
- Efficient use of shareholder capital
- Does not pay a dividend to shareholders
- High price-to-book ratio suggests a premium valuation
- Relies heavily on corporate spending habits
- Economic downturns often lead to reduced business travel and spending
- Rapid changes in payment technology could threaten their business model
- Regulatory changes in the financial services sector
The write-up's own warning lights — if these start happening, the case above changes.
- A sustained decline in year-over-year revenue growth
- A significant drop in net profit margins
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →
This plain-English summary was auto-generated on 2026-08-01 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.