Corpay, Inc.
Corpay, Inc. is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in Atlanta, GA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $4.5 billion and a profit of $1.1 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.0 out of ten, 9 of 9 metrics filed: past 5.5 out of ten, present 7.0 out of ten, future 5.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 2.1 out of ten. 1 warning event since 2017; the latest 2024-02-29. 21st percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 5.9 out of ten. +10.6% a year over 10 filed years; profitable in 10 of 10. 59th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 7.2 out of ten. Share count shrank 2.6% a year. 50% of cash flow returned. Insiders: 45 sales, 1 purchases. 72nd percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.7 out of ten. ROE 28%: 28¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar. 57th percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 7.5 out of ten. top 25% of 101 in its family; net margin 23.6%. 75th percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 8.1 out of ten. top 19% of 67 in its family for leadership; chief executive since 2010. 81st percentile among 67 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 5.2 out of ten. top 48% of 99 in its family for room to expand. 52nd percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.0 out of ten. top 40% of 99 in its family for growth drivers. 60th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.2 out of ten. bottom 42% of 93 in its family for expectations against reality. 42nd percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-10 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 4, 2026-08-25. Filings on record since 2002. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Vehicle Payments 47%, Corporate Payments 36%, Lodging Payments 10%, Product and Service Other 6%. By geography: United States 49%, Other 21%, Brazil 16%, United Kingdom 14%. As tagged in its annual report (Form 10-K, filed 2026-02-27).
Who runs it
Clarke, Ronald (CEO & Chairman of BOD); Walker, Peter (Chief Financial Officer); Vickery, Alissa B (Chief Accounting Officer); King, Alan (GroupPresident IntlVehiclePmts); Netto, Armando Lins (GroupPresident Brazil&USVehPmt); Stull, Steven T (director); Farrelly, Joseph W (director); Bexiga, Annabelle G (director); Bunch, David L (director); Gupta, Rahul (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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