Corpay, Inc. (CPAY)

Vehicle and corporate payments, 34 countries. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 27, 2026. Ranked 9 of the 135 Technology companies read so far, by the share within reach now.

Corpay states approximately 11,800 associates in 34 countries at December 31, 2025, 4,300 of them in the U.S., in vehicle, corporate and lodging payment businesses with no count by segment, so one pattern takes the whole workforce at the credit group that holds payment processing by description (c).

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

11,800 employees as of December 31, 2025 (stated). The filing states approximately 4,300 of 11,800 associates based in the U.S. (36%); revenue is 62% U.S., 20% Brazil and 18% U.K.

The filing: “Human Capital As of December 31, 2025, Corpay employed approximately 11,800 associates located in 34 countries around the world, with approximately 4,300 of those associates based in the U.S.”

The workforce as industry patterns

What the filing says about the workforce: Approximately 11,800 associates in 34 countries, 4,300 in the U.S.; females about 50% of the global workforce; minorities about 32% of the domestic workforce; no union share is stated.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

8 sentences in the filing name AI. The filing names AI-enabled capabilities in its spend management solution, machine learning models in its credit review alongside judgmental underwriting, and AI among the heightened threats to its systems.

• “Corpay's spend management solution also incorporates advanced analytics, including artificial intelligence (AI) enabled capabilities, to enhance spend oversight and decision-making.”
• “The credit review includes a combination of machine learning models, as well as judgmental underwriting based on customer financials.”
• “Because techniques used to sabotage or obtain unauthorized access to our systems and the data we collect change frequently and may not be recognized until launched against a target, especially considering heightened threats and risks associated with artificial intelligence and other technologies, we may be unable to anticipate these techniques or to implement adequate preventative measures.”
• “We must respond to the technological advances offered by our competitors, including the use of artificial intelligence and the requirements of regulators and our customers and partners, in order to maintain and improve upon our competitive position and fulfill contractual obligations.”
• “Artificial intelligence technologies, including machine learning and generative AI, are being rapidly adopted across the payments and enterprise software industries to improve automation, analytics, fraud detection, customer support and decision- making.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20232median 1
• Fiscal 20243median 4
• Fiscal 20258median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• No count by segment or kind of work: the one pattern is by description (c).

Source: the company's annual report on EDGAR, accession 0001175454-26-000018, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.