CPAY Corpay

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Global B2B payments platform spanning Corporate Payments, Vehicle Payments, Lodging Payments — volume-driven recurring revenue across 4 continents
• • AI-enabled spend analytics and unified Spend Management platform (virtual + purchasing + T&E cards in single system) explicitly emphasized as new capability
• • Stablecoin integration for cross-border liquidity movement disclosed as active capability — unusual for a corporate payments filer
• • Technology spend $408M in 2025; 99.9%+ authorization uptime; ~11,800 employees across 34 countries, ~4,300 U.S.-based
• • New CFO Peter Walker appointed July 2025, replacing prior leadership — notable mid-year C-suite transition

Risk Factors

• • FTC Order (June 8, 2023, U.S. District Court Northern District of Georgia) mandates advertising, contracting, and reporting compliance for U.S. fuel card business; non-compliance risks significant fines
• • ~51% of revenue denominated in non-USD currencies (BRL, GBP, EUR, CAD, AUD, MXN, CZK, NZD); ~8% of consolidated revenue directly tied to absolute fuel prices
• • $10.0B debt outstanding under Credit Facility and Securitization Facility as of December 31, 2025; floating-rate exposure creates earnings sensitivity to rate volatility
• • Goodwill and intangibles ~41% of total assets at December 31, 2025; impairment losses already recorded, further write-downs possible
• • AI adoption by competitors risks disintermediation of Corpay's offerings; stablecoin/blockchain payments could erode cross-border solution reliant on traditional bank relationships

Management Discussion & Analysis

• • Revenue $4,528M, up 13.9% YoY ($553.8M increase); organic growth 10%, acquisitions contributed 5%
• • Operating margin 44.0% vs 45.0%; adjusted EBITDA margin 56.6% vs 57.1%; effective tax rate rose to 30.5% vs 27.5%
• • Best segment: Corporate Payments revenue +33.8% to $1,635M; worst: Lodging Payments revenue -3.9% to $469.5M, operating income -12.8%
• • Operating cash flow $1,499.9M vs $1,940.6M; capex $200.8M; buybacks $505.2M (2,568,667 shares); no dividend noted
• • Key risks: Alpha acquisition ($2.4B) adds leverage; Mastercard put option exercisable Aug 2027; "One Big Beautiful Bill Act" tax impact still being evaluated; PayByPhone sale ($450M) pending H1 2026

What are the latest CPAY SEC filings in 2026?

Corpay (CPAY) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on August 5, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did CPAY file its most recent 10-K annual report?

Corpay (CPAY) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view CPAY 10-Q quarterly reports?

Corpay (CPAY)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every CPAY 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has CPAY filed recently?

Corpay (CPAY)'s most recent 8-K was filed on August 5, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find CPAY insider trading activity (Form 4)?

SignalX aggregates every CPAY Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does CPAY file with the SEC?

Corpay (CPAY) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new CPAY filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Corpay (CPAY).

What is CPAY's SEC CIK number?

Corpay (CPAY)'s SEC CIK (Central Index Key) number is 1175454. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1175454 to look up all CPAY filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find CPAY return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Corpay (CPAY) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.