GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GPN - US37940X1028 - Common Stock
74.88 USD
-0.11 (-0.15%)
Taking everything into account, GPN scores 5 out of 10 in our fundamental rating. GPN was compared to 98 industry peers in the Financial Services industry. While GPN has a great profitability rating, there are quite some concerns on its financial health. GPN may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- GPN had positive earnings in the past year.
- In the past year GPN had a positive cash flow from operations.
- GPN had positive earnings in each of the past 5 years.
- GPN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 3.65%, GPN is doing good in the industry, outperforming 71.43% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 7.72%, GPN is in line with its industry, outperforming 44.90% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 4.90%, GPN is in the better half of the industry, outperforming 66.33% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for GPN is below the industry average of 8.44%.
- The last Return On Invested Capital (4.90%) for GPN is above the 3 year average (4.36%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 7.72% | ||
| ROIC | 4.9% |
ROA(3y)1.85%
ROA(5y)1.8%
ROE(3y)3.95%
ROE(5y)3.55%
ROIC(3y)4.36%
ROIC(5y)3.81%
1.3 Margins
- The Profit Margin of GPN (19.68%) is better than 78.57% of its industry peers.
- GPN's Profit Margin has improved in the last couple of years.
- GPN has a Operating Margin of 26.85%. This is in the better half of the industry: GPN outperforms 72.45% of its industry peers.
- In the last couple of years the Operating Margin of GPN has grown nicely.
- The Gross Margin of GPN (67.06%) is better than 77.55% of its industry peers.
- GPN's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 26.85% | ||
| PM (TTM) | 19.68% | ||
| GM | 67.06% |
OM growth 3Y5.13%
OM growth 5Y1.68%
PM growth 3Y11.11%
PM growth 5Y12.13%
GM growth 3Y3.83%
GM growth 5Y1.31%
2. Health
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.
- Compared to 1 year ago, GPN has less shares outstanding
- Compared to 5 years ago, GPN has less shares outstanding
- Compared to 1 year ago, GPN has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.91, we must say that GPN is in the distress zone and has some risk of bankruptcy.
- GPN has a Altman-Z score of 0.91. This is comparable to the rest of the industry: GPN outperforms 58.16% of its industry peers.
- The Debt to FCF ratio of GPN is 7.50, which is on the high side as it means it would take GPN, 7.50 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 7.50, GPN is in line with its industry, outperforming 46.94% of the companies in the same industry.
- GPN has a Debt/Equity ratio of 0.63. This is a neutral value indicating GPN is somewhat dependend on debt financing.
- GPN's Debt to Equity ratio of 0.63 is in line compared to the rest of the industry. GPN outperforms 52.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 7.5 | ||
| Altman-Z | 0.91 |
ROIC/WACC0.66
WACC7.39%
2.3 Liquidity
- GPN has a Current Ratio of 0.85. This is a bad value and indicates that GPN is not financially healthy enough and could expect problems in meeting its short term obligations.
- GPN has a Current ratio (0.85) which is comparable to the rest of the industry.
- A Quick Ratio of 0.85 indicates that GPN may have some problems paying its short term obligations.
- GPN has a Quick ratio of 0.85. This is comparable to the rest of the industry: GPN outperforms 46.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
- GPN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.67%.
- GPN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.36% yearly.
- Looking at the last year, GPN shows a very negative growth in Revenue. The Revenue has decreased by -11.30% in the last year.
- Measured over the past years, GPN shows a quite strong growth in Revenue. The Revenue has been growing by 15.52% on average per year.
EPS 1Y (TTM)6.67%
EPS 3Y12.23%
EPS 5Y13.36%
EPS Q2Q%5.84%
Revenue 1Y (TTM)-11.3%
Revenue growth 3Y5.84%
Revenue growth 5Y15.52%
Sales Q2Q%3.04%
3.2 Future
- The Earnings Per Share is expected to grow by 15.55% on average over the next years. This is quite good.
- The Revenue is expected to grow by 10.52% on average over the next years. This is quite good.
EPS Next Y6.67%
EPS Next 2Y9.31%
EPS Next 3Y11.51%
EPS Next 5Y15.55%
Revenue Next Year1.04%
Revenue Next 2Y2.56%
Revenue Next 3Y3.26%
Revenue Next 5Y10.52%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 6.24 indicates a rather cheap valuation of GPN.
- Based on the Price/Earnings ratio, GPN is valued cheaper than 86.73% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, GPN is valued rather cheaply.
- The Price/Forward Earnings ratio is 5.43, which indicates a rather cheap valuation of GPN.
- GPN's Price/Forward Earnings ratio is rather cheap when compared to the industry. GPN is cheaper than 87.76% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. GPN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.24 | ||
| Fwd PE | 5.43 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GPN is valued a bit cheaper than 76.53% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, GPN is valued cheaper than 80.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.2 | ||
| EV/EBITDA | 7.74 |
4.3 Compensation for Growth
- The 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.
PEG (NY)0.94
PEG (5Y)0.47
EPS Next 2Y9.31%
EPS Next 3Y11.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.27%, GPN has a reasonable but not impressive dividend return.
- GPN's Dividend Yield is comparable with the industry average which is at 2.49.
- GPN's Dividend Yield is slightly below the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
5.2 History
- The dividend of GPN is nicely growing with an annual growth rate of 21.27%!
- GPN has paid a dividend for at least 10 years, which is 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)21.27%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
- 13.82% of the earnings are spent on dividend by GPN. This is a low number and sustainable payout ratio.
- GPN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP13.82%
EPS Next 2Y9.31%
EPS Next 3Y11.51%
NYSE:GPN (1/16/2026, 10:12:06 AM)
74.88
-0.11 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/bmo
Earnings (Next)02-11 2026-02-11/amc
Inst Owners95.88%
Inst Owner Change0.08%
Ins Owners0.54%
Ins Owner Change-0.98%
Market Cap17.73B
Revenue(TTM)8.89B
Net Income(TTM)1.75B
Analysts70.86
Price Target106.46 (42.17%)
Short Float %4.3%
Short Ratio4.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
Yearly Dividend0.99
Dividend Growth(5Y)21.27%
DP13.82%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.02%
Min EPS beat(2)-0.49%
Max EPS beat(2)0.44%
EPS beat(4)1
Avg EPS beat(4)-0.8%
Min EPS beat(4)-1.97%
Max EPS beat(4)0.44%
EPS beat(8)2
Avg EPS beat(8)-0.8%
EPS beat(12)5
Avg EPS beat(12)-0.27%
EPS beat(16)6
Avg EPS beat(16)-0.31%
Revenue beat(2)0
Avg Revenue beat(2)-0.73%
Min Revenue beat(2)-1%
Max Revenue beat(2)-0.46%
Revenue beat(4)0
Avg Revenue beat(4)-0.99%
Min Revenue beat(4)-1.67%
Max Revenue beat(4)-0.46%
Revenue beat(8)0
Avg Revenue beat(8)-1%
Revenue beat(12)2
Avg Revenue beat(12)0.22%
Revenue beat(16)6
Avg Revenue beat(16)2.55%
PT rev (1m)0%
PT rev (3m)5.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.13%
EPS NY rev (1m)0%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)-0.35%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.24 | ||
| Fwd PE | 5.43 | ||
| P/S | 1.99 | ||
| P/FCF | 8.2 | ||
| P/OCF | 6.34 | ||
| P/B | 0.78 | ||
| P/tB | 10.7 | ||
| EV/EBITDA | 7.74 |
EPS(TTM)12
EY16.03%
EPS(NY)13.8
Fwd EY18.43%
FCF(TTM)9.13
FCFY12.19%
OCF(TTM)11.81
OCFY15.77%
SpS37.56
BVpS95.75
TBVpS7
PEG (NY)0.94
PEG (5Y)0.47
Graham Number160.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 7.72% | ||
| ROCE | 6.04% | ||
| ROIC | 4.9% | ||
| ROICexc | 5.24% | ||
| ROICexgc | 11.76% | ||
| OM | 26.85% | ||
| PM (TTM) | 19.68% | ||
| GM | 67.06% | ||
| FCFM | 24.31% |
ROA(3y)1.85%
ROA(5y)1.8%
ROE(3y)3.95%
ROE(5y)3.55%
ROIC(3y)4.36%
ROIC(5y)3.81%
ROICexc(3y)4.61%
ROICexc(5y)4.02%
ROICexgc(3y)47.47%
ROICexgc(5y)47.57%
ROCE(3y)5.34%
ROCE(5y)4.65%
ROICexgc growth 3Y5.38%
ROICexgc growth 5Y12.85%
ROICexc growth 3Y11.96%
ROICexc growth 5Y18.11%
OM growth 3Y5.13%
OM growth 5Y1.68%
PM growth 3Y11.11%
PM growth 5Y12.13%
GM growth 3Y3.83%
GM growth 5Y1.31%
F-Score7
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 7.5 | ||
| Debt/EBITDA | 3.64 | ||
| Cap/Depr | 41.25% | ||
| Cap/Sales | 7.13% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.24% | ||
| Profit Quality | 123.52% | ||
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 | ||
| Altman-Z | 0.91 |
F-Score7
WACC7.39%
ROIC/WACC0.66
Cap/Depr(3y)36.77%
Cap/Depr(5y)33.3%
Cap/Sales(3y)6.79%
Cap/Sales(5y)6.4%
Profit Quality(3y)601.21%
Profit Quality(5y)472.37%
High Growth Momentum
Growth
EPS 1Y (TTM)6.67%
EPS 3Y12.23%
EPS 5Y13.36%
EPS Q2Q%5.84%
EPS Next Y6.67%
EPS Next 2Y9.31%
EPS Next 3Y11.51%
EPS Next 5Y15.55%
Revenue 1Y (TTM)-11.3%
Revenue growth 3Y5.84%
Revenue growth 5Y15.52%
Sales Q2Q%3.04%
Revenue Next Year1.04%
Revenue Next 2Y2.56%
Revenue Next 3Y3.26%
Revenue Next 5Y10.52%
EBIT growth 1Y2.31%
EBIT growth 3Y11.27%
EBIT growth 5Y17.46%
EBIT Next Year10.45%
EBIT Next 3Y7.54%
EBIT Next 5Y9.19%
FCF growth 1Y31.17%
FCF growth 3Y7.7%
FCF growth 5Y21.41%
OCF growth 1Y21.47%
OCF growth 3Y8.3%
OCF growth 5Y20.49%
GLOBAL PAYMENTS INC / GPN FAQ
Can you provide the ChartMill fundamental rating for GLOBAL PAYMENTS INC?
ChartMill assigns a fundamental rating of 5 / 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 6.24 and the Price/Book (PB) ratio is 0.78.
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 13.82%.