arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

CORPAY, INC.

CPAY

$393.20 ▼ -5.31 (-1.33%) at close

18 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Moderately Bullish

auto_awesome

Analytical Summary

CORPAY, INC. demonstrates solid fundamentals with strength in Return on Common Equity (%). However, watch Debt to Equity which shows concerning trends. Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap $27.6B

Dividend Yield —

Revenue Growth 13.9% ↗

Op. Margin 44.0% ↘

ROIC 10.0% ↘

FCF / Share $18.52 ↘

Trailing P/E 25.8x

Price / Book 6.9x

FCF Yield 4.7%

Debt / Equity 2.58

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$4.53B

↑ +13.9% —

Net Income Profit after all expenses

$1.07B

↑ +6.6% —

Operating Margin Operating profit as % of sales

44.0%

↓ -2.1% 95th

FCF / Share Free cash flow per share

$18.52

↓ -26.2% —

Long-Term Debt Long-term obligations

$10.00B

↑ +25.1% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Cash Quality ↓

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	13.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+179%)	5.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	9.6% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+93%)	20.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+319%)	18.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+272%)	-9.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-296%)	8.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	8.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	22.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+356%)	7.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+51%)	42.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+740%)	34.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+580%)	26.5% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+430%)	36.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+623%)	19.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+295%)	22.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+351%)	—	—
EPS Growth YoY (%)	6.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	23.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	22.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-19.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	66.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	24.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	25.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	34.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	41.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	38.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	6.6% Fair ↑ Fair Improving Year-over-year change in net income	2.2% Caution ↓ Caution Declining Year-over-year change in net income	2.9% Caution ↓ Caution Declining Year-over-year change in net income	13.7% Fair ↑ Fair Improving Year-over-year change in net income	19.2% Good ↑ Good Improving Year-over-year change in net income	-21.3% Weak ↓ Weak Declining Year-over-year change in net income	10.3% Fair ↓ Fair Declining Year-over-year change in net income	9.6% Fair ↓ Fair Declining Year-over-year change in net income	63.6% Excellent ↑ Excellent Improving Year-over-year change in net income	24.8% Good ↑ Good Improving Year-over-year change in net income	-1.7% Weak ↓ Weak Declining Year-over-year change in net income	29.6% Excellent ↓ Excellent Declining Year-over-year change in net income	31.6% Excellent ↓ Excellent Declining Year-over-year change in net income	46.7% Excellent ↑ Excellent Improving Year-over-year change in net income	36.6% Excellent Excellent Year-over-year change in net income	21.2% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%)	-26.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	-5.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	233.5% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-39.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	-20.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	31.9% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	35.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	38.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-4.2% Weak Weak Year-over-year change in free cash flow	-9.8% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	9.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	13.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	23.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	27.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	34.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	32.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	27.3% Excellent Excellent Compound annual revenue growth over 3 years	26.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	13.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	7.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	17.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	26.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	28.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	31.5% Excellent Excellent Compound annual revenue growth over 5 years	27.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	6.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	11.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	17.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	1.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	28.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	32.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	22.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	15.0% Excellent → Excellent Stable Compound annual EPS growth over 3 years	33.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.1% Fair Fair Compound annual EPS growth over 3 years	6.1% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	44.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+267%)	45.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+275%)	44.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+267%)	42.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+252%)	43.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+265%)	40.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+239%)	46.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+287%)	44.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+274%)	39.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+227%)	41.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+243%)	39.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+227%)	47.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+293%)	47.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+292%)	45.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+283%)	43.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+263%)	39.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+227%)	41.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+244%)	—
Effective Tax Rate (%) (%)	30.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.4% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	23.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+195%)	25.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+216%)	26.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+227%)	27.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+248%)	29.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+270%)	29.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+268%)	33.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+322%)	33.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+317%)	32.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+311%)	24.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+209%)	21.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+166%)	30.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+284%)	31.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+297%)	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+282%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+254%)	24.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+211%)	25.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+214%)	—
FCF Margin (%) (%)	28.7% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	44.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	51.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	17.6% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	38.3% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	58.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	41.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	33.8% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	27.1% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	35.3% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	41.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	—	39.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	16.4% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	51.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	29.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	47.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.21x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.76x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.98x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.63x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.29x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.98x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.21x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.01x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	0.82x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.43x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.97x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	—	1.25x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.54x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.81x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.19x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	1.90x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%)	10.0% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	11.6% Good → Good Stable Return earned on debt + equity capital invested Optimal: > 10%	12.3% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	11.3% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	10.6% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	23.1% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	27.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	24.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	19.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	17.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	15.9% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	15.5% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	17.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	16.2% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	14.5% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	12.9% Good Good Return earned on debt + equity capital invested Optimal: > 10%	21.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	7.6% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.0% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	10.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	10.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.3% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	8.7% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.1% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.7% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.8% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	7.8% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	8.5% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	10.7% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	11.9% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.6% Fair Fair Operating profit relative to total assets Optimal: > 10%	11.5% Good Good Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	27.5% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+84%)	32.1% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+114%)	29.9% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+99%)	37.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+150%)	29.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+95%)	21.0% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+40%)	24.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+61%)	24.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+62%)	20.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	14.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	14.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	22.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+52%)	23.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	18.2% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	17.2% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	18.8% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	2.58x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+268%)	2.56x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+266%)	2.05x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+193%)	2.77x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+296%)	2.09x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+198%)	—	—	—	—	—	—	—	0.38x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	0.34x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.50x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	—	—
Interest Coverage (x)	4.06x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	3.60x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	3.70x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	6.30x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	9.38x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	7.69x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.90x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	6.96x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	7.79x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	10.49x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	9.36x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	19.60x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	25.55x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	24.96x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	16.92x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	28.42x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	20.86x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$7.59B	$6.44B	$5.33B	$5.60B	$4.46B	$-934.90M	$-1.27B	$-1.03B	$-913.60M	$-475.02M	$-447.15M	$-477.07M	$136.83M	$201.57M	$-6.73M	$198.99M	$-84.70M	$-70.36M
Debt / EBITDA (x)	4.71x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.19x Weak → Weak Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.81x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.57x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.53x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	1.09x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.43x Good → Good Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.17x Good Good Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.73x Good Good Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$64.57	$56.51	$51.37	$45.33	$34.53	$28.44	$30.66	$27.42	$24.69	$19.78	$18.50	$14.22	$10.94	—	—	—	—	—
Basic EPS, GAAP (USD)	$15.23	$14.27	$13.42	$12.62	$10.23	$8.38	$10.36	$9.14	$8.12	$4.89	$3.94	$4.37	$3.48	$2.59	$1.83	$3.00	$2.17	—
Free Cash Flow per Share (USD)	$18.52	$25.10	$26.62	$7.98	$13.23	$16.60	$12.58	$9.26	$6.69	$6.99	$7.74	—	$4.34	—	—	—	—	—
Book Value per Share (USD)	$56.81	$44.50	$45.77	$34.65	$36.34	$40.10	$43.49	$38.91	$40.94	$33.58	$30.64	$28.57	$15.08	$11.28	$9.91	$7.86	—	—
Tangible Book Value per Share (USD)	$-101.21	$-75.14	$-62.03	$-65.31	$-57.65	$-41.59	$-40.58	$-42.05	$-41.92	$-40.99	$-31.39	$-37.97	$-14.31	$-5.88	$-4.09	$-2.13	—	—
Basic Weighted Avg Shares (shares)	70.14M	70.33M	73.16M	75.60M	82.06M	84.00M	86.40M	88.75M	91.13M	92.60M	92.02M	84.32M	81.79M	83,328	80,610	35,434	33,802	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD)	$-333.44M	$-32.01M	$258.51M	$62.70M	$197.70M	$-11.99M	$155.50M	$-619.23M	$-545.80M	$-768.62M	$-302.85M	$-759.27M	$-555.39M	$53.13M	$-2.28M	$157.86M	—	—
LT Debt (USD)	$10.00B	$8.00B	$6.72B	$7.04B	$5.98B	—	—	—	—	—	—	—	$474.94M	$485.22M	$278.43M	$313.80M	—	—
Total Equity (USD)	$3.88B	$3.12B	$3.28B	$2.54B	$2.87B	$3.36B	$3.71B	$3.34B	$3.68B	$3.08B	$2.83B	$2.62B	$1.24B	$913.82M	$811.44M	$625.95M	$474.05M	$273.26M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$4.53B	$3.97B	$3.76B	$3.43B	$2.83B	$2.39B	$2.65B	$2.43B	$2.25B	$1.83B	$1.70B	$1.20B	$895.17M	$707.53M	$519.59M	$433.84M	$354.07M	—
Depreciation Expense (USD)	$131.16M	$120.11M	$109.98M	$92.01M	$75.57M	$65.18M	$62.78M	$52.94M	$46.60M	$36.46M	$30.46M	$21.10M	$16.89M	$14.12M	$11.45M	$11.26M	$9.65M	—
Net Income, GAAP (USD)	$1.07B	$1.00B	$981.89M	$954.33M	$839.50M	$704.22M	$895.07M	$811.48M	$740.20M	$452.38M	$362.43M	$368.71M	$284.50M	$216.20M	$147.34M	$107.90M	$89.05M	—
Operating Cash Flow (USD)	$1.50B	$1.94B	$2.10B	$754.80M	$1.20B	$1.47B	$1.16B	$903.38M	$680.06M	$705.91M	$754.58M	—	$375.69M	$135.46M	$279.62M	$139.75M	$178.79M	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

CORPAY, INC.

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare CPAY with peers