Logotype for Corpay Inc

Corpay (CPAY) investor relations material

Corpay Autonomous 10th Annual Future of Commerce Symposium 2025 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Corpay Inc
Autonomous 10th Annual Future of Commerce Symposium 2025 summary11 Sep, 2025

Strategic business evolution

  • Corporate payments have grown from 10% to nearly 40% of revenue, with a target of 50% soon, driven by organic growth and M&A.

  • Domestic payables generate $700M in revenue, growing in the high teens to low 20s percent annually, with AP automation as the fastest-growing segment.

  • Cross-border business is approaching $1B in revenue, with four key customer segments: corporate, financial institutions/fintech, private markets, and digital currency.

  • Private markets and digital currency segments are experiencing rapid growth, with digital currency just launched commercially and gaining traction.

  • Geographic expansion includes Europe, Asia-Pacific, and Mexico, with a shift from direct sales to channel partnerships.

Competitive positioning and technology

  • Direct in-country payment connectivity has grown from 5% to over 50% of flows, reducing reliance on SWIFT and banks.

  • Real-time and instant payment capabilities are being expanded, including blockchain and stablecoin solutions for 24/7 payments.

  • The network's competitive moat is built on regulatory licenses, customer-facing tech, ERP/API integrations, and global reach.

  • Custom technology and embedded solutions in partner platforms drive differentiation and customer stickiness.

  • Stablecoin and blockchain payments are valued for always-on capability, but most revenue still comes from FX conversion.

Partnerships, acquisitions, and product innovation

  • Mastercard's minority investment is expected to drive multi-year growth via introductions to thousands of financial institutions and fintechs.

  • The Alpha Group acquisition brings bank account and consolidation software, expanding product offerings and geographic reach in Europe.

  • Acquisitions since 2021 have rapidly increased EBITDA margins by consolidating onto a single tech stack and optimizing customer portfolios.

  • The multi-currency account product has seen strong adoption, with over 10,000 accounts and $1B in deposits in six months.

  • Cross-selling initiatives are in early stages, with significant potential for further integration across business lines.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Corpay earnings date

Logotype for Corpay Inc
Q3 20255 Nov, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Corpay earnings date

Logotype for Corpay Inc
Q3 20255 Nov, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Business Payment Solutions

Fleetcor Technologies Inc. is an American company with global operations that provides business payment solutions. The company specializes in fuel cards, corporate payments, tolls, and lodging management for businesses, merchants, and other customers. Its product portfolio includes branded fuel cards, corporate lodging discount cards, and toll payment solutions, among others. Fleetcor has a diverse customer base, with clients being found in transportation, government, construction, and more. The company is headquartered in Atlanta, Georgia, and its shares are listed on the NYSE.

Ron Clarke

Ron Clarke, the company’s long-term CEO and chairman, has taken Fleetcor from a $25 million company into one of the largest players within its industry since his hiring in 2000. Clarke had previously worked at General Electric and Booz Allen Hamilton, and he proved to be just the man for the job. Under his leadership, Fleetcor has grown both organically and through strategic acquisitions into one of the largest companies of its kind.

Fleet Payment Solutions

A bulk of the company’s revenue is generated through its fleet payment solutions. These offerings include specialized fuel cards and payment products that enable companies to manage and control fuel and transportation expenses. The fuel cards are used by fleet drivers to purchase fuel, maintenance services, and other vehicle-related expenses. FleetCor's system offers detailed reporting and analytics, which help businesses track spending patterns, monitor usage, and identify potential cost-saving opportunities. Fleetcor is one of the leaders in this sector together with WEX.

Other Services

FleetCor offers a diverse range of services beyond fleet payment solutions. The company provides corporate payment services, which include virtual cards and accounts payable automation, which helps manage corporate expenses and supplier payments. Additionally, it offers toll payment solutions, simplifying the process of paying toll charges for fleet vehicles. Its lodging solutions cater to businesses requiring accommodations for their mobile workforce, offering options for hotel bookings and expense management.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage