What is the market's earnings forecast for WEX next quarter?

What does WEX do and what are its main business segments?

What is WEX's latest dividend and current dividend yield?

What factors drove the changes in WEX's revenue and profit?

What is the revenue and EPS growth rate for WEX year over year?

What is WEX's gross profit margin?

What guidance did WEX's management provide for the next earnings period?

What were the key takeaways from WEX’s earnings call?

- **Revenue Growth**: Q3 $691.8M (+3.9% YoY), driven by Mobility (50%), Benefits (30%), and Corporate Payments (20%).
- **EPS Beat**: Non-GAAP EPS $4.59 (+5.5% YoY), outpacing fuel/forex headwinds.
- **Strategic Wins**: 12% new small business customers, 20%+ Direct AP volume growth, 100+ AI use cases.
- **2026 Outlook**: 5-10% revenue growth target, 10+ EPS growth, $19M invested in growth initiatives.

**【CEO Summary Section】**
- Q3 revenue of $691.8 million (+3.9% YoY) driven by Mobility (50%), Benefits (30%), and Corporate Payments (20%).
- Mobility: 12% YoY new small business customers, 104xWEX app savings $300/month, and BP partnership on track.
- Benefits: 6% SaaS account growth, 14.9% custodial investment revenue increase.
- Corporate Payments: 4.7% growth from Direct AP (20%+ volume growth) and embedded payments expansion.

**【CFO Financial Commentary】**
- GAAP net income $420M, Non-GAAP EPS $4.59 (+5.5% YoY), outpacing fuel/forex headwinds.
- Operating margin impacted by +$19M sales/marketing investments.
- Interest rate sensitivity: 100bp change affects revenue ±$40M, EPS ±$0.30-$0.35.

**【Q&A Highlights】**
- Mobility: 1.4% YoY same-store sales decline, but 12% new small business growth.
- Corporate Payments: 20%+ Direct AP volume growth, lapping OTA transition.
- AI: 100+ AI use cases across fraud, claims, and customer service.
- 2026 Outlook: 5-10% long-term revenue growth, 10+ EPS growth target.

WEX Inc.(WEX)-20251030-2025 Q3 Earnings call transcript

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