GLOBAL PAYMENTS INC (GPN) Fundamental Analysis & Valuation

NYSE:GPN • US37940X1028

Current stock price

67.67 USD
-2.3 (-3.29%)
Last:

This GPN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. GPN Profitability Analysis

1.1 Basic Checks

  • GPN had positive earnings in the past year.
  • GPN had a positive operating cash flow in the past year.
  • GPN had positive earnings in each of the past 5 years.
  • Each year in the past 5 years GPN had a positive operating cash flow.
GPN Yearly Net Income VS EBIT VS OCF VS FCFGPN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

1.2 Ratios

  • GPN has a Return On Assets of 2.62%. This is in the better half of the industry: GPN outperforms 65.00% of its industry peers.
  • GPN's Return On Equity of 6.12% is in line compared to the rest of the industry. GPN outperforms 44.00% of its industry peers.
  • GPN's Return On Invested Capital of 4.09% is fine compared to the rest of the industry. GPN outperforms 63.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GPN is below the industry average of 8.07%.
  • The last Return On Invested Capital (4.09%) for GPN is above the 3 year average (4.03%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.62%
ROE 6.12%
ROIC 4.09%
ROA(3y)2.64%
ROA(5y)2.06%
ROE(3y)5.82%
ROE(5y)4.34%
ROIC(3y)4.03%
ROIC(5y)3.91%
GPN Yearly ROA, ROE, ROICGPN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • GPN's Profit Margin of 16.85% is fine compared to the rest of the industry. GPN outperforms 68.00% of its industry peers.
  • GPN's Profit Margin has improved in the last couple of years.
  • The Operating Margin of GPN (27.68%) is better than 77.00% of its industry peers.
  • In the last couple of years the Operating Margin of GPN has grown nicely.
  • GPN's Gross Margin of 69.36% is fine compared to the rest of the industry. GPN outperforms 80.00% of its industry peers.
  • In the last couple of years the Gross Margin of GPN has grown nicely.
Industry RankSector Rank
OM 27.68%
PM (TTM) 16.85%
GM 69.36%
OM growth 3Y10.06%
OM growth 5Y11.89%
PM growth 3Y144.55%
PM growth 5Y18.2%
GM growth 3Y7.63%
GM growth 5Y7.19%
GPN Yearly Profit, Operating, Gross MarginsGPN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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4

2. GPN Health Analysis

2.1 Basic Checks

  • GPN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • GPN has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, GPN has less shares outstanding
  • The debt/assets ratio for GPN is higher compared to a year ago.
GPN Yearly Shares OutstandingGPN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
GPN Yearly Total Debt VS Total AssetsGPN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • GPN has an Altman-Z score of 0.96. This is a bad value and indicates that GPN is not financially healthy and even has some risk of bankruptcy.
  • With a decent Altman-Z score value of 0.96, GPN is doing good in the industry, outperforming 62.00% of the companies in the same industry.
  • GPN has a debt to FCF ratio of 10.70. This is a negative value and a sign of low solvency as GPN would need 10.70 years to pay back of all of its debts.
  • GPN has a Debt to FCF ratio of 10.70. This is comparable to the rest of the industry: GPN outperforms 53.00% of its industry peers.
  • GPN has a Debt/Equity ratio of 0.87. This is a neutral value indicating GPN is somewhat dependend on debt financing.
  • GPN has a Debt to Equity ratio of 0.87. This is comparable to the rest of the industry: GPN outperforms 46.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 10.7
Altman-Z 0.96
ROIC/WACC0.65
WACC6.27%
GPN Yearly LT Debt VS Equity VS FCFGPN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.3 Liquidity

  • GPN has a Current Ratio of 1.69. This is a normal value and indicates that GPN is financially healthy and should not expect problems in meeting its short term obligations.
  • GPN has a Current ratio of 1.69. This is in the better half of the industry: GPN outperforms 74.00% of its industry peers.
  • GPN has a Quick Ratio of 1.69. This is a normal value and indicates that GPN is financially healthy and should not expect problems in meeting its short term obligations.
  • GPN has a better Quick ratio (1.69) than 76.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 1.69
GPN Yearly Current Assets VS Current LiabilitesGPN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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5

3. GPN Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.89% over the past year.
  • The Earnings Per Share has been growing by 13.83% on average over the past years. This is quite good.
  • The Revenue for GPN has decreased by -17.78% in the past year. This is quite bad
  • Measured over the past years, GPN shows a small growth in Revenue. The Revenue has been growing by 0.75% on average per year.
EPS 1Y (TTM)5.89%
EPS 3Y9.44%
EPS 5Y13.83%
EPS Q2Q%7.8%
Revenue 1Y (TTM)-17.78%
Revenue growth 3Y-4.96%
Revenue growth 5Y0.75%
Sales Q2Q%1.37%

3.2 Future

  • GPN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.92% yearly.
  • Based on estimates for the next years, GPN will show a quite strong growth in Revenue. The Revenue will grow by 9.96% on average per year.
EPS Next Y14.27%
EPS Next 2Y15.54%
EPS Next 3Y16.42%
EPS Next 5Y17.92%
Revenue Next Year35.66%
Revenue Next 2Y19.71%
Revenue Next 3Y14.02%
Revenue Next 5Y9.96%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
GPN Yearly Revenue VS EstimatesGPN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B
GPN Yearly EPS VS EstimatesGPN Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20

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8

4. GPN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.53, the valuation of GPN can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of GPN indicates a rather cheap valuation: GPN is cheaper than 87.00% of the companies listed in the same industry.
  • GPN is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • GPN is valuated cheaply with a Price/Forward Earnings ratio of 4.84.
  • Based on the Price/Forward Earnings ratio, GPN is valued cheaply inside the industry as 86.00% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.51. GPN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.53
Fwd PE 4.84
GPN Price Earnings VS Forward Price EarningsGPN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • GPN's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GPN is cheaper than 73.00% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GPN indicates a somewhat cheap valuation: GPN is cheaper than 78.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.29
EV/EBITDA 8.8
GPN Per share dataGPN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • GPN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • GPN has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as GPN's earnings are expected to grow with 16.42% in the coming years.
PEG (NY)0.39
PEG (5Y)0.4
EPS Next 2Y15.54%
EPS Next 3Y16.42%

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5

5. GPN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.47%, GPN has a reasonable but not impressive dividend return.
  • GPN's Dividend Yield is comparable with the industry average which is at 2.50.
  • GPN's Dividend Yield is slightly below the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 1.47%

5.2 History

  • The dividend of GPN has a limited annual growth rate of 4.73%.
  • GPN has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As GPN did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)4.73%
Div Incr Years0
Div Non Decr Years6
GPN Yearly Dividends per shareGPN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 17.04% of the earnings are spent on dividend by GPN. This is a low number and sustainable payout ratio.
  • The dividend of GPN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP17.04%
EPS Next 2Y15.54%
EPS Next 3Y16.42%
GPN Yearly Income VS Free CF VS DividendGPN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
GPN Dividend Payout.GPN Dividend Payout, showing the Payout Ratio.GPN Dividend Payout.PayoutRetained Earnings

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GPN Fundamentals: All Metrics, Ratios and Statistics

GLOBAL PAYMENTS INC

NYSE:GPN (3/27/2026, 10:31:10 AM)

67.67

-2.3 (-3.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-18
Earnings (Next)05-04
Inst Owners84.64%
Inst Owner Change4.74%
Ins Owners0.45%
Ins Owner Change0.58%
Market Cap18.94B
Revenue(TTM)8.31B
Net Income(TTM)1.40B
Analysts71.89
Price Target104.25 (54.06%)
Short Float %4.5%
Short Ratio2.71
Dividend
Industry RankSector Rank
Dividend Yield 1.47%
Yearly Dividend0.98
Dividend Growth(5Y)4.73%
DP17.04%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-09
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.4%
Min EPS beat(2)-0.49%
Max EPS beat(2)-0.31%
EPS beat(4)1
Avg EPS beat(4)-0.58%
Min EPS beat(4)-1.97%
Max EPS beat(4)0.44%
EPS beat(8)2
Avg EPS beat(8)-0.77%
EPS beat(12)5
Avg EPS beat(12)-0.23%
EPS beat(16)6
Avg EPS beat(16)-0.28%
Revenue beat(2)0
Avg Revenue beat(2)-0.8%
Min Revenue beat(2)-1.14%
Max Revenue beat(2)-0.46%
Revenue beat(4)0
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-1.14%
Max Revenue beat(4)-0.46%
Revenue beat(8)0
Avg Revenue beat(8)-1.05%
Revenue beat(12)1
Avg Revenue beat(12)-0.76%
Revenue beat(16)5
Avg Revenue beat(16)1.94%
PT rev (1m)-0.9%
PT rev (3m)-2.08%
EPS NQ rev (1m)-1.1%
EPS NQ rev (3m)-1.09%
EPS NY rev (1m)1.36%
EPS NY rev (3m)1.26%
Revenue NQ rev (1m)28.28%
Revenue NQ rev (3m)28.28%
Revenue NY rev (1m)28.13%
Revenue NY rev (3m)30.19%
Valuation
Industry RankSector Rank
PE 5.53
Fwd PE 4.84
P/S 2.28
P/FCF 9.29
P/OCF 7.13
P/B 0.83
P/tB 11.98
EV/EBITDA 8.8
EPS(TTM)12.23
EY18.07%
EPS(NY)13.98
Fwd EY20.65%
FCF(TTM)7.28
FCFY10.76%
OCF(TTM)9.49
OCFY14.03%
SpS29.69
BVpS81.77
TBVpS5.65
PEG (NY)0.39
PEG (5Y)0.4
Graham Number150.01
Profitability
Industry RankSector Rank
ROA 2.62%
ROE 6.12%
ROCE 5.01%
ROIC 4.09%
ROICexc 4.99%
ROICexgc 11.39%
OM 27.68%
PM (TTM) 16.85%
GM 69.36%
FCFM 24.54%
ROA(3y)2.64%
ROA(5y)2.06%
ROE(3y)5.82%
ROE(5y)4.34%
ROIC(3y)4.03%
ROIC(5y)3.91%
ROICexc(3y)4.47%
ROICexc(5y)4.26%
ROICexgc(3y)33.48%
ROICexgc(5y)38.41%
ROCE(3y)4.98%
ROCE(5y)4.84%
ROICexgc growth 3Y-36.67%
ROICexgc growth 5Y-24.88%
ROICexc growth 3Y3.46%
ROICexc growth 5Y12.84%
OM growth 3Y10.06%
OM growth 5Y11.89%
PM growth 3Y144.55%
PM growth 5Y18.2%
GM growth 3Y7.63%
GM growth 5Y7.19%
F-Score6
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 10.7
Debt/EBITDA 5.35
Cap/Depr 43.65%
Cap/Sales 7.43%
Interest Coverage 4
Cash Conversion 71.5%
Profit Quality 145.62%
Current Ratio 1.69
Quick Ratio 1.69
Altman-Z 0.96
F-Score6
WACC6.27%
ROIC/WACC0.65
Cap/Depr(3y)38.98%
Cap/Depr(5y)36.63%
Cap/Sales(3y)7.85%
Cap/Sales(5y)7.24%
Profit Quality(3y)152.88%
Profit Quality(5y)431.18%
High Growth Momentum
Growth
EPS 1Y (TTM)5.89%
EPS 3Y9.44%
EPS 5Y13.83%
EPS Q2Q%7.8%
EPS Next Y14.27%
EPS Next 2Y15.54%
EPS Next 3Y16.42%
EPS Next 5Y17.92%
Revenue 1Y (TTM)-17.78%
Revenue growth 3Y-4.96%
Revenue growth 5Y0.75%
Sales Q2Q%1.37%
Revenue Next Year35.66%
Revenue Next 2Y19.71%
Revenue Next 3Y14.02%
Revenue Next 5Y9.96%
EBIT growth 1Y-2.74%
EBIT growth 3Y4.6%
EBIT growth 5Y12.73%
EBIT Next Year39.81%
EBIT Next 3Y17.76%
EBIT Next 5Y14.54%
FCF growth 1Y-14.43%
FCF growth 3Y7.78%
FCF growth 5Y1.66%
OCF growth 1Y-13.11%
OCF growth 3Y5.79%
OCF growth 5Y2.8%

GLOBAL PAYMENTS INC / GPN Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for GLOBAL PAYMENTS INC?

ChartMill assigns a fundamental rating of 6 / 10 to GPN.


What is the valuation status of GLOBAL PAYMENTS INC (GPN) stock?

ChartMill assigns a valuation rating of 8 / 10 to GLOBAL PAYMENTS INC (GPN). This can be considered as Undervalued.


What is the profitability of GPN stock?

GLOBAL PAYMENTS INC (GPN) has a profitability rating of 7 / 10.


What is the valuation of GLOBAL PAYMENTS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for GLOBAL PAYMENTS INC (GPN) is 5.53 and the Price/Book (PB) ratio is 0.83.


Is the dividend of GLOBAL PAYMENTS INC sustainable?

The dividend rating of GLOBAL PAYMENTS INC (GPN) is 5 / 10 and the dividend payout ratio is 17.04%.