Corpay (CPAY) Q3 2025 10-Q Quarterly Report
Filed: Nov 10, 2025Period ending Sep 30, 2025
Information Technology
Services-Business Services, NECSEC EDGAR Corpay (CPAY) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 10, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Corpay Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Quarterly revenue $1,172.5M, up 14% from $1,029.2M YoY
- • Adjusted net income $405.2M, up 14% from $354.5M YoY; adjusted net income per diluted share $5.70 vs $5.00 YoY
- • Vehicle Payments best segment: revenue $553.2M, up $46.4M YoY; Lodging Payments weakest: revenue $127.0M, down $7.0M YoY
- • Adjusted EBITDA margin stable at 57.7% vs 57.8% YoY, adjusted EBITDA $676.7M vs $594.7M YoY
- • Management cautious on macroeconomic risks including fuel prices, foreign exchange, and regulatory environment; no updated guidance disclosed
Risk Factors
- • No material changes to risk factors since most recent 10-K; risks carried forward unchanged
- • Carried-forward regulatory risk: potential non-compliance with evolving financial regulations impacting operations
- • Carried-forward operational risk: competitive pressures affecting market share and near-term revenue growth
- • Carried-forward financial risk: liquidity management challenges amid debt maturities and currency fluctuations
Corpay Q3 2025 Quarterly FinancialsXBRL
Revenue
$1.2B
▲ +13.9% YoY▲ +6.4% QoQ
Net Income
$278M
▲ +0.6% YoY▼ -2.2% QoQ
Net Margin
23.7%
▼ -315bp YoY▼ -208bp QoQ
Source: XBRL data from Corpay Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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