WEXHIGH SIGNALFINANCIAL10-K

WEX shows a dramatic 11% reduction in outstanding shares (38.8M to 34.3M) combined with a significant 17% decline in stockholders' equity despite strong cash position improvement.

The substantial share reduction of 4.5 million shares suggests an aggressive share buyback program that has materially altered the capital structure. However, the simultaneous 17% decline in stockholders' equity alongside an 11% increase in total liabilities raises questions about the financing method and long-term financial health impact of these repurchases.

Comparing 2026-02-13 vs 2025-02-20View on EDGAR →
FINANCIAL ANALYSIS

WEX's balance sheet shows mixed signals with cash and equivalents surging 52% to $905.8M and current assets growing 14% to $9.7B, indicating strong liquidity. However, stockholders' equity declined sharply by 17% to $1.2B while total liabilities increased 11% to $13.2B, suggesting the company has leveraged up significantly. The combination of improved cash position with reduced equity and higher debt levels points to substantial capital allocation activity, likely aggressive share repurchases financed through debt or cash reserves.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+52%
$595.8M$905.8M

Cash position surged 52% — strong cash generation or capital raise providing significant financial cushion.

Stockholders Equity
Balance Sheet
-17.1%
$1.5B$1.2B

Equity decreased 17.1% — buybacks or losses reducing book value, monitor solvency ratios.

Current Assets
Balance Sheet
+14.1%
$8.5B$9.7B

Current assets grew 14.1% — improving short-term liquidity or inventory/receivables build.

Current Liabilities
Balance Sheet
+11.5%
$8.3B$9.3B

Current liabilities rose 11.5% — increased short-term obligations, watch current ratio.

Total Liabilities
Balance Sheet
+11.3%
$11.8B$13.2B

Liabilities increased 11.3% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-02-13
PRIOR — 2025-02-20
ADDED
There were 34,310,618 shares of the registrant s common stock outstanding as of February 6, 2026.
The following is provided to aid the reader and provide a reference point when reviewing the Annual Report: 2017 Tax Act Tax Cuts and Jobs Act of 2017 A R 2019 Plan The Company s Amended and Restated 2019 Equity and Incentive Plan, as amended on May 15, 2025.
Adjusted free cash flow A non-GAAP measure calculated as cash flows from operating activities, adjusted for net purchases of current investment securities, capital expenditures, net Funding Activity, changes in WEX Bank cash balances, and certain other adjustments.
CDH Consumer-directed healthcare CFPB Consumer Financial Protection Bureau Closed-loop Refers to proprietary, private payment networks, and transactions processed thereon, in which the card issuer, payment processor and merchant network are all part of the same system.
GAAP Generally Accepted Accounting Principles in the United States GILTI Global Intangible Low Taxed Income GPCM Guideline Public Company Method of valuation GPCs Guideline Public Companies HRA Health Reimbursement Arrangements HSA Health Savings Account HSA Yield HSA Yield is calculated by dividing total custodial investment revenue by average HSA custodial cash assets.
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REMOVED
There were 38,815,490 shares of the registrant s common stock outstanding as of February 13, 2025.
The following is provided to aid the reader and provide a reference point when reviewing the Annual Report: 2017 Tax Act Tax Cuts and Jobs Act of 2017 Adjusted free cash flow A non-GAAP measure calculated as cash flows from operating activities, adjusted for net purchases of current investment securities, capital expenditures, net Funding Activity, changes in WEX Bank cash balances and certain other adjustments.
B2B Business-to-Business benefitexpress Benefit Express Services, LLC, a provider of highly configurable, cloud-based benefits administration technologies and services, and its indirect and direct parents, which were acquired on June 1, 2021 and merged into WEX Health, Inc.
CDH Consumer directed healthcare CFPB Consumer Financial Protection Bureau CODM Chief Operating Decision Maker Company WEX Inc.
COVID-19 An infectious disease caused by the SARS-CoV-2 coronavirus.
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