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CPAY Corpay

FY2025 10-K
Filed: Feb 27, 2026
Information Technology
Services-Business Services, NECSEC EDGAR
Corpay Overview

Corpay (CPAY) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.

AI Filing Analysis
FY2025 10-K

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
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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%
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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
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Financial Summary
XBRL

Revenue

$4.5B

Net Income

$1.1B

Operating Margin

44.0%

Net Margin

23.6%

ROE

27.5%

Total Assets

$26.4B

EPS (Diluted)

$15.03

Operating Cash Flow

$1.5B

Source: XBRL data from Corpay FY2025 10-K filing on SEC EDGAR. All figures in USD.

Other Corpay Annual Reports

FY2024 10-K

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