GLOBAL PAYMENTS INC (GPN) Fundamental Analysis & Valuation
NYSE:GPN • US37940X1028
73.54 USD
-1.26 (-1.68%)
At close: Mar 10, 2026
73.54 USD
0 (0%)
After Hours: 3/10/2026, 3:42:27 PM
This GPN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
GPN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. While GPN has a great profitability rating, there are some minor concerns on its financial health. GPN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. GPN Profitability Analysis
1.1 Basic Checks
- GPN had positive earnings in the past year.
- In the past year GPN had a positive cash flow from operations.
- In the past 5 years GPN has always been profitable.
- In the past 5 years GPN always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of GPN (2.62%) is better than 66.33% of its industry peers.
- The Return On Equity of GPN (6.12%) is comparable to the rest of the industry.
- GPN has a Return On Invested Capital of 4.09%. This is comparable to the rest of the industry: GPN outperforms 58.16% of its industry peers.
- GPN had an Average Return On Invested Capital over the past 3 years of 4.03%. This is below the industry average of 8.33%.
- The 3 year average ROIC (4.03%) for GPN is below the current ROIC(4.09%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Profit Margin, with a value of 16.85%, GPN is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
- GPN's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 27.68%, GPN is doing good in the industry, outperforming 76.53% of the companies in the same industry.
- In the last couple of years the Operating Margin of GPN has grown nicely.
- The Gross Margin of GPN (69.36%) is better than 79.59% of its industry peers.
- GPN's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. GPN Health Analysis
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 0.98. This is a bad value and indicates that GPN is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.98, GPN is in line with its industry, outperforming 58.16% of the companies in the same industry.
- The Debt to FCF ratio of GPN is 10.70, which is on the high side as it means it would take GPN, 10.70 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 10.70, GPN is in line with its industry, outperforming 45.92% of the companies in the same industry.
- 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 (0.87) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 10.7 | ||
| Altman-Z | 0.98 |
ROIC/WACC0.58
WACC7.04%
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.
- Looking at the Current ratio, with a value of 1.69, GPN is in the better half of the industry, outperforming 73.47% of the companies in the same industry.
- 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 Quick ratio of 1.69. This is in the better half of the industry: GPN outperforms 74.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.69 | ||
| Quick Ratio | 1.69 |
3. GPN Growth Analysis
3.1 Past
- GPN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.89%.
- GPN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.83% yearly.
- Looking at the last year, GPN shows a very negative growth in Revenue. The Revenue has decreased by -17.78% in the last year.
- The Revenue has been growing slightly by 0.75% on average over the past years.
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 Year34.33%
Revenue Next 2Y19.82%
Revenue Next 3Y14.81%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. GPN Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 6.01, the valuation of GPN can be described as very cheap.
- 88.78% of the companies in the same industry are more expensive than GPN, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 26.45, GPN is valued rather cheaply.
- GPN is valuated cheaply with a Price/Forward Earnings ratio of 5.26.
- GPN's Price/Forward Earnings ratio is rather cheap when compared to the industry. GPN is cheaper than 84.69% of the companies in the same industry.
- GPN is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.65, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.01 | ||
| Fwd PE | 5.26 |
4.2 Price Multiples
- GPN's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GPN is cheaper than 72.45% of the companies in the same industry.
- 76.53% of the companies in the same industry are more expensive than GPN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.1 | ||
| EV/EBITDA | 9.17 |
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.
- The decent profitability rating of GPN 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)0.42
PEG (5Y)0.43
EPS Next 2Y15.54%
EPS Next 3Y16.42%
5. GPN Dividend Analysis
5.1 Amount
- GPN has a Yearly Dividend Yield of 1.28%.
- Compared to an average industry Dividend Yield of 2.34, GPN has a dividend in line with its industry peers.
- GPN's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
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
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 Fundamentals: All Metrics, Ratios and Statistics
73.54
-1.26 (-1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-18 2026-02-18/bmo
Earnings (Next)05-04 2026-05-04/bmo
Inst Owners84.64%
Inst Owner Change4.74%
Ins Owners0.45%
Ins Owner Change0.58%
Market Cap20.58B
Revenue(TTM)8.31B
Net Income(TTM)1.40B
Analysts71.89
Price Target104.25 (41.76%)
Short Float %5.36%
Short Ratio3.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
Yearly Dividend0.98
Dividend Growth(5Y)4.73%
DP17.04%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-09 2026-03-09 (0.25)
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)-1.41%
EPS NQ rev (3m)-1.4%
EPS NY rev (1m)1.36%
EPS NY rev (3m)1.26%
Revenue NQ rev (1m)28.32%
Revenue NQ rev (3m)28.32%
Revenue NY rev (1m)26.9%
Revenue NY rev (3m)28.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.01 | ||
| Fwd PE | 5.26 | ||
| P/S | 2.48 | ||
| P/FCF | 10.1 | ||
| P/OCF | 7.75 | ||
| P/B | 0.9 | ||
| P/tB | 13.02 | ||
| EV/EBITDA | 9.17 |
EPS(TTM)12.23
EY16.63%
EPS(NY)13.98
Fwd EY19%
FCF(TTM)7.28
FCFY9.9%
OCF(TTM)9.49
OCFY12.91%
SpS29.69
BVpS81.77
TBVpS5.65
PEG (NY)0.42
PEG (5Y)0.43
Graham Number150.01
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.98 |
F-Score6
WACC7.04%
ROIC/WACC0.58
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 Year34.33%
Revenue Next 2Y19.82%
Revenue Next 3Y14.81%
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 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 6.01 and the Price/Book (PB) ratio is 0.9.
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%.