GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:GPN • US37940X1028
67.21 USD
-4.78 (-6.64%)
At close: Feb 3, 2026
67.5 USD
+0.29 (+0.43%)
After Hours: 2/3/2026, 8:21:21 PM
Overall GPN gets a fundamental rating of 5 out of 10. We evaluated GPN against 97 industry peers in the Financial Services industry. While GPN belongs to the best of the industry regarding profitability, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on GPN.
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.
- In the past 5 years GPN always reported a positive cash flow from operatings.
1.2 Ratios
- GPN has a Return On Assets of 3.65%. This is in the better half of the industry: GPN outperforms 71.13% of its industry peers.
- The Return On Equity of GPN (7.72%) is comparable to the rest of the industry.
- The Return On Invested Capital of GPN (4.90%) is better than 65.98% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for GPN is below the industry average of 8.52%.
- 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
- GPN's Profit Margin of 19.68% is fine compared to the rest of the industry. GPN outperforms 78.35% of its industry peers.
- In the last couple of years the Profit Margin of GPN has grown nicely.
- GPN has a Operating Margin of 26.85%. This is in the better half of the industry: GPN outperforms 72.16% of its industry peers.
- In the last couple of years the Operating Margin of GPN has grown nicely.
- GPN's Gross Margin of 67.06% is fine compared to the rest of the industry. GPN outperforms 77.32% of its industry peers.
- In the last couple of years the Gross Margin of GPN has remained more or less at the same level.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GPN is destroying value.
- GPN has less shares outstanding than it did 1 year ago.
- GPN has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GPN has a worse debt to assets ratio.
2.2 Solvency
- GPN has an Altman-Z score of 0.89. This is a bad value and indicates that GPN is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.89, GPN perfoms like the industry average, outperforming 57.73% of the companies in the same industry.
- 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.
- With a Debt to FCF ratio value of 7.50, GPN perfoms like the industry average, outperforming 47.42% 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.
- With a Debt to Equity ratio value of 0.63, GPN perfoms like the industry average, outperforming 52.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 7.5 | ||
| Altman-Z | 0.89 |
ROIC/WACC0.66
WACC7.4%
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.
- The Current ratio of GPN (0.85) is comparable to the rest of the industry.
- GPN has a Quick 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.
- The Quick ratio of GPN (0.85) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 6.67% over the past year.
- Measured over the past years, GPN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.36% on average per year.
- GPN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.30%.
- 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
- GPN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.55% yearly.
- Based on estimates for the next years, GPN will show a quite strong growth in Revenue. The Revenue will grow by 10.52% on average per year.
EPS Next Y6.66%
EPS Next 2Y9.07%
EPS Next 3Y11.3%
EPS Next 5Y15.55%
Revenue Next Year1.63%
Revenue Next 2Y2.67%
Revenue Next 3Y3.76%
Revenue Next 5Y10.52%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- 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
- Based on the Price/Earnings ratio of 5.60, the valuation of GPN can be described as very cheap.
- 91.75% of the companies in the same industry are more expensive than GPN, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.18. GPN is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 4.89, the valuation of GPN can be described as very cheap.
- GPN's Price/Forward Earnings ratio is rather cheap when compared to the industry. GPN is cheaper than 88.66% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.51. GPN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.6 | ||
| Fwd PE | 4.89 |
4.2 Price Multiples
- 77.32% of the companies in the same industry are more expensive than GPN, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, GPN is valued cheaply inside the industry as 82.47% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.36 | ||
| EV/EBITDA | 7.56 |
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)0.84
PEG (5Y)0.42
EPS Next 2Y9.07%
EPS Next 3Y11.3%
5. Dividend
5.1 Amount
- GPN has a Yearly Dividend Yield of 1.40%. Purely for dividend investing, there may be better candidates out there.
- GPN's Dividend Yield is a higher than the industry average which is at 1.99.
- GPN's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
- The dividend of GPN is nicely growing with an annual growth rate of 21.27%!
- GPN has been paying a dividend for at least 10 years, so it has a reliable track record.
- GPN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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 2Y9.07%
EPS Next 3Y11.3%
67.21
-4.78 (-6.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/bmo
Earnings (Next)02-18 2026-02-18/amc
Inst Owners95.88%
Inst Owner Change-2.43%
Ins Owners0.54%
Ins Owner Change-0.05%
Market Cap15.91B
Revenue(TTM)8.89B
Net Income(TTM)1.75B
Analysts70.86
Price Target106.24 (58.07%)
Short Float %4.31%
Short Ratio3.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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)-0.21%
PT rev (3m)0.04%
EPS NQ rev (1m)-0.25%
EPS NQ rev (3m)-0.1%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.98%
Revenue NQ rev (3m)-1.35%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.6 | ||
| Fwd PE | 4.89 | ||
| P/S | 1.79 | ||
| P/FCF | 7.36 | ||
| P/OCF | 5.69 | ||
| P/B | 0.7 | ||
| P/tB | 9.6 | ||
| EV/EBITDA | 7.56 |
EPS(TTM)12
EY17.85%
EPS(NY)13.74
Fwd EY20.44%
FCF(TTM)9.13
FCFY13.58%
OCF(TTM)11.81
OCFY17.56%
SpS37.56
BVpS95.75
TBVpS7
PEG (NY)0.84
PEG (5Y)0.42
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 | 0.89 |
F-Score7
WACC7.4%
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 Y6.66%
EPS Next 2Y9.07%
EPS Next 3Y11.3%
EPS Next 5Y15.55%
Revenue 1Y (TTM)-11.3%
Revenue growth 3Y5.84%
Revenue growth 5Y15.52%
Sales Q2Q%3.04%
Revenue Next Year1.63%
Revenue Next 2Y2.67%
Revenue Next 3Y3.76%
Revenue Next 5Y10.52%
EBIT growth 1Y2.31%
EBIT growth 3Y11.27%
EBIT growth 5Y17.46%
EBIT Next Year10.45%
EBIT Next 3Y7.45%
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 5.6 and the Price/Book (PB) ratio is 0.7.
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%.