JPMorgan cuts Corpay stock price target to $400, maintains rating

Published 07/05/2025, 11:36
JPMorgan cuts Corpay stock price target to $400, maintains rating

On Wednesday, JPMorgan analyst Jeffrey Zekauskas adjusted the price target for Corpay (NYSE:CPAY) shares to $400 from the previous $420 while reaffirming an Overweight rating on the company’s stock. Currently trading at $326.29, Corpay maintains a market capitalization of $23 billion and a P/E ratio of 23x. The change comes as Corpay management actively reshapes its business strategy, focusing on high-growth and high-retention corporate payments sectors. According to InvestingPro data, analyst targets range from $339 to $445, suggesting potential upside from current levels.

The company recently announced an investment in AvidXchange, a mid-market accounts payable automation firm, with an option to fully acquire it within the next three years. This move follows a strategic partnership with Mastercard (NYSE:MA) aimed at expanding Corpay’s cross-border payment capabilities, which was unveiled last week.

Corpay’s first quarter results were consistent with management’s expectations, showing a robust 35% increase in sales, particularly strong within key corporate payment businesses. The company also maintained an impressive 92% customer retention rate. However, a slight softness was observed in the lodging revenue related to the airline industry, which was unexpected.

Despite concerns over U.S. tariffs potentially affecting cross-border transactions, Corpay’s management has not seen a significant impact thus far. Nevertheless, they have conservatively included a potential $10-$15 million downturn in the second half of 2025’s financial outlook. This precautionary step accounts for possible slowdowns in tariff-sensitive segments of the business, which represent less than 20% of cross-border spending.

The financial outlook for the full year 2025 remains largely unchanged from initial projections, with macroeconomic factors balancing out. Although reported figures have been slightly adjusted due to lower fuel prices and the deferral of some lodging revenue to 2026, Corpay is still projected to achieve 10% organic revenue growth for the remainder of the year. This growth rate positions Corpay as one of the leading mid-cap processors in terms of expansion.

In conclusion, Zekauskas expressed continued confidence in Corpay’s management, particularly regarding mergers and acquisitions, which he views as a critical element of the company’s growth strategy. The analyst’s commentary underscores a belief in the company’s potential despite the minor adjustments to financial expectations.

In other recent news, Corpay Inc. reported its Q1 2025 earnings, revealing steady growth in revenue and earnings per share (EPS) that aligned with market expectations. The company achieved an 8% year-over-year increase in revenue, totaling $1.6 billion, while EPS stood at $4.51. Analysts had anticipated these figures, demonstrating confidence in Corpay’s strategic direction. Jefferies analyst Trevor Williams raised the price target for Corpay shares to $375, maintaining a Buy rating and expressing optimism about the company’s growth trajectory, particularly in the Corporate Payments division. Corpay’s strategic initiatives, including a partnership with Mastercard and a $500 million investment in Avid, underscore its focus on enhancing payment technology capabilities. The Mastercard partnership is expected to contribute 2-3% incremental cross-border revenue growth. Despite a minor revenue shortfall, Corpay’s stock performance remained positive, reflecting investor confidence in its future prospects. The company continues to pursue mergers and acquisitions while remaining open to divesting non-core businesses to strengthen its position in the market.

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