Corpay Inc (1CPAY) AI Stock Analysis

Company Guidance

Management raised Q4 revenue guidance at the midpoint to $1.37 billion and cash EPS at the midpoint to $7.65, that would be up 27%, with Q4 overall organic revenue growth of 10% at the midpoint and Corporate Payments growth expected to remain in the high teens; full year 2026 revenue is expected to finish at $5.35 billion at the midpoint, growing 18% year-over-year, and adjusted EPS at $28 at the midpoint, growing 31% year-over-year, while cash EPS would be up over 30% and $28 for the full year would be a full $2 higher than the initial $26 guide. For 2027, management is outlooking 9% to 11% organic revenue growth, Corporate Payments growth of mid-teens growth or better, and roughly $2 billion of free cash flow to work on spend management acquisitions or buybacks; Vehicle Payments is targeted to maintain high single-digit growth, Avid is expected to double earnings in 2026 and materially increase them again in 2027, and Avid expects to exit Q4 this year with double-digit organic revenue growth. The growth algorithm can compound adjusted EPS of more than 20% annually from $28 this year to approximately $50 per share by 2029, supported by sustained 10% organic revenue growth, while U.K. spend management volume is expected to reach over $1 billion annualized, exiting Q4, with a $15 million revenue run rate.