CPAY – Corpay, Inc.

Corpay, Inc. Monthly Stock Report – December 1, 2025

Company Overview

Corpay, Inc. (NYSE: CPAY), headquartered in Atlanta, Georgia, operates in the robust technology sector, providing software solutions for managing vehicle-related expenses, lodging costs, and various corporate payments. Formerly known as FLEETCOR Technologies, Inc., the company was founded in 1986 and rebranded in March 2024. It serves a diverse clientele, which includes businesses, merchants, and consumers across the United States, Brazil, the United Kingdom, and beyond.

Corpay has established itself as a significant player in the software infrastructure industry, a sub-sector that is witnessing substantial growth driven by the increasing digitization of payment processes. With a reported total revenue of approximately $4.31 billion, the company is well-positioned in a competitive landscape, providing value through its comprehensive range of services that encompass vehicle payment solutions for fuel, tolls, and parking, as well as accounts payable automation and virtual cards.

52-Week Price Performance Analysis

Over the past year, Corpay, Inc.’s stock has experienced notable volatility, marked by a current trading price of $296.4. The stock witnessed a 52-week high of $400.81 and a low of $252.84, reflecting a significant price fluctuation of approximately 22.77% from peak to trough.

The stock’s technical analysis reveals a predominantly bearish trend over the last year, as portrayed by a downward-sloping green trend line. From the start of the period, the stock price has seen a decline from around $375 to approximately $295.8. The moving average, represented by a blue line, continues to exhibit a downward pattern, indicating persistent bearish momentum.

Key resistance is identified around the $375 mark, a level that has consistently hindered upward movement, particularly in December and February. On the downside, a crucial support level is situated near $300, which has been tested multiple times, particularly in April and October. Market participants should closely monitor this support level as a break below could signal further declines, while a rebound from this point might indicate improving bullish sentiment.

The stock has recently shown attempts to stabilize following new lows in October, with some upward movement as it moves towards the moving average. However, without strong breakout patterns, caution is advised as the overall downtrend remains.

Investors should look for a sustained move above the moving average as well as the $300 support level before considering a potential change in trend direction.

Financial Performance and Metrics

Corpay, Inc. has demonstrated robust financial health, underpinned by its revenue generation capabilities. The company reported total revenue of approximately $4.31 billion, with an earnings before interest, taxes, depreciation, and amortization (EBITDA) of around $2.26 billion. Notably, Corpay reported third-quarter earnings of $5.70 per share, surpassing analyst expectations by 1.2%, along with revenues of $1.17 billion — a considerable year-over-year increase of 14%.

The Corporate Payments segment has shown remarkable growth, achieving a 27% revenue boost fueled by efficient execution and synergies from recent acquisitions. This trend bodes well for the company’s profitability potential moving forward.

As for valuation metrics, the stock is currently positioned with a price of $296.4, significantly lower than the analysts’ target high price of $440.00, which represents a potential upside of approximately 48.5%. The mean price target is set at $351.25, showcasing a favorable outlook on future performance. Corpay’s total shares outstanding are 69,958,056, with only about 1.2 million shares sold short, indicating that only 2.03% of the float shares are being bet against, reflecting overall positive investor sentiment.

Recent News and Developments

Recent developments within Corpay, Inc. indicate proactive management and strategic flexibility. The company has recently announced the divestiture of a legacy private label fuel card portfolio, anticipated to generate $60 million in proceeds, which will free up $35 million in working capital. This capital is earmarked for acquiring Alpha Group International plc, furthering Corpay’s goal of bolstering its focus on high-growth corporate payment assets.

Additionally, Corpay upsized its credit facility by $750 million to boost liquidity for its capital plans in 2025. These strategic movements position the company well to capitalize on emerging opportunities while streamlining its existing operations.

Market observers note that the stock’s resilience aligns with a positive market sentiment surrounding Corpay’s strategic direction and strong financial performance. Analysts have adjusted their fiscal year 2025 outlook, projecting revenues between $4.505 billion and $4.525 billion, coupled with adjusted net income between $1.503 billion and $1.523 billion.

Market Sentiment and Analyst Recommendations

Market sentiment has turned optimistic regarding Corpay, Inc.’s stock outlook. With a current price of $295.80, representing a modest increase from previous close, analysts have expressed a consensus of recommending a “buy” for the stock, supported by an average recommendation score of 1.93 across a total of 12 analysts.

This optimism is reinforced by a range of price targets; the high estimate stands at $440.00, while the low estimate is $315.00. The median target hovers around $345.50, suggesting significant potential for growth.

Investors should consider these positive signals alongside the outlined risks associated with potential market volatility and broader economic factors that could impact Corpay’s operations. The anticipated strategic initiatives and strong financial results serve as a solid foundation for continued stock performance.

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In summary, Corpay, Inc. emerges as a compelling investment opportunity within the technology sector, especially considering its favorable financial metrics, positive market sentiment, and strategic growth initiatives. However, vigilance is essential when navigating its current stock volatility and the market’s broader economic landscape.

Metric	Value
Market Cap	$20.9b
Total Debt	$8.3b
Total Cash	$2.0b
Shares Outstanding	70.0m
Float Shares	67.4m