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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.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.
How does Alpha acquisition boost private markets?
Mastercard partnership: What's the revenue impact?
How does Corpay integrate acquisitions?
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Next Corpay earnings date
Q3 20255 Nov, 2025
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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.
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