GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:GPN • US37940X1028

72.86 USD
+1.6 (+2.25%)
At close: Feb 6, 2026
72.86 USD
0 (0%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

GPN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. GPN scores excellent on profitability, but there are concerns on its financial health. GPN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

7

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.
  • Each year in the past 5 years GPN has been profitable.
  • In the past 5 years GPN always reported a positive cash flow from operatings.
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 1B 2B 3B

1.2 Ratios

  • GPN has a better Return On Assets (3.65%) than 71.13% of its industry peers.
  • GPN has a Return On Equity of 7.72%. This is comparable to the rest of the industry: GPN outperforms 44.33% of its industry peers.
  • GPN has a better Return On Invested Capital (4.90%) than 65.98% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GPN is below the industry average of 8.54%.
  • 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 RankSector 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%
GPN Yearly ROA, ROE, ROICGPN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • GPN has a Profit Margin of 19.68%. This is in the better half 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.
  • Looking at the Operating Margin, with a value of 26.85%, GPN is in the better half of the industry, outperforming 72.16% of the companies in the same industry.
  • In the last couple of years the Operating Margin of GPN has grown nicely.
  • GPN has a Gross Margin of 67.06%. This is in the better half of the industry: GPN outperforms 77.32% of its industry peers.
  • GPN's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
GPN Yearly Profit, Operating, Gross MarginsGPN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GPN is destroying value.
  • The number of shares outstanding for GPN has been reduced compared to 1 year ago.
  • Compared to 5 years ago, GPN has less shares outstanding
  • GPN has a worse debt/assets ratio than last year.
GPN Yearly Shares OutstandingGPN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10B 20B 30B 40B 50B

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.
  • GPN has a debt to FCF ratio of 7.50. This is a slightly negative value and a sign of low solvency as GPN would need 7.50 years to pay back of all of its debts.
  • GPN has a Debt to FCF ratio (7.50) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.63 indicates that GPN is somewhat dependend on debt financing.
  • GPN has a Debt to Equity ratio (0.63) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 7.5
Altman-Z 0.89
ROIC/WACC0.66
WACC7.38%
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 5B 10B 15B 20B 25B

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 of 0.85. This is comparable to the rest of the industry: GPN outperforms 46.39% of its industry peers.
  • 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.
  • GPN has a Quick ratio (0.85) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.85
Quick Ratio 0.85
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 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.67% over the past year.
  • The Earnings Per Share has been growing by 13.36% on average over the past years. This is quite good.
  • 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

  • Based on estimates for the next years, GPN will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.55% on average per year.
  • GPN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.52% yearly.
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.07, the valuation of GPN can be described as very cheap.
  • 90.72% of the companies in the same industry are more expensive than GPN, based on the Price/Earnings ratio.
  • GPN is valuated cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 5.30, the valuation of GPN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, GPN is valued cheaper than 88.66% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.78. GPN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.07
Fwd PE 5.3
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

  • Based on the Enterprise Value to EBITDA ratio, GPN is valued a bit cheaper than 78.35% of the companies in the same industry.
  • 81.44% of the companies in the same industry are more expensive than GPN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.98
EV/EBITDA 7.52
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.
PEG (NY)0.91
PEG (5Y)0.45
EPS Next 2Y9.07%
EPS Next 3Y11.3%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.40%, GPN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 1.99, GPN pays a bit more dividend than its industry peers.
  • GPN's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
Industry RankSector 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 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
GPN Yearly Dividends per shareGPN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • GPN pays out 13.82% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of GPN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP13.82%
EPS Next 2Y9.07%
EPS Next 3Y11.3%
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 500M 1B 1.5B 2B 2.5B
GPN Dividend Payout.GPN Dividend Payout, showing the Payout Ratio.GPN Dividend Payout.PayoutRetained Earnings

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GLOBAL PAYMENTS INC

NYSE:GPN (2/6/2026, 8:04:00 PM)

After market: 72.86 0 (0%)

72.86

+1.6 (+2.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)02-18
Inst Owners95.88%
Inst Owner Change-2.43%
Ins Owners0.54%
Ins Owner Change-0.05%
Market Cap17.25B
Revenue(TTM)8.89B
Net Income(TTM)1.75B
Analysts70.86
Price Target106.24 (45.81%)
Short Float %4.31%
Short Ratio3.57
Dividend
Industry RankSector 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 RankSector Rank
PE 6.07
Fwd PE 5.3
P/S 1.94
P/FCF 7.98
P/OCF 6.17
P/B 0.76
P/tB 10.41
EV/EBITDA 7.52
EPS(TTM)12
EY16.47%
EPS(NY)13.74
Fwd EY18.86%
FCF(TTM)9.13
FCFY12.53%
OCF(TTM)11.81
OCFY16.2%
SpS37.56
BVpS95.75
TBVpS7
PEG (NY)0.91
PEG (5Y)0.45
Graham Number160.79
Profitability
Industry RankSector 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 RankSector 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
WACC7.38%
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 6.07 and the Price/Book (PB) ratio is 0.76.


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%.