GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis

NYSE:GPN • US37940X1028

68.48 USD
-0.49 (-0.71%)
At close: Feb 13, 2026
68.53 USD
+0.05 (+0.07%)
After Hours: 2/13/2026, 8:13:55 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. While GPN belongs to the best of the industry regarding profitability, there are concerns on its financial health. GPN is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

7

1. Profitability

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.
  • GPN had a positive operating cash flow in each of the past 5 years.
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 70.10% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.72%, GPN is in line with its industry, outperforming 44.33% of the companies in the same industry.
  • GPN has a Return On Invested Capital of 4.90%. This is in the better half of the industry: GPN outperforms 65.98% of its industry peers.
  • GPN had an Average Return On Invested Capital over the past 3 years of 4.36%. This is below the industry average of 8.38%.
  • The 3 year average ROIC (4.36%) for GPN is below the current ROIC(4.90%), indicating increased profibility in the last year.
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

  • Looking at the Profit Margin, with a value of 19.68%, GPN is in the better half of the industry, outperforming 77.32% of the companies in the same industry.
  • In the last couple of years the Profit Margin of GPN has grown nicely.
  • GPN has a better Operating Margin (26.85%) than 73.20% of its industry peers.
  • GPN's Operating Margin has improved in the last couple of years.
  • GPN's Gross Margin of 67.06% is fine compared to the rest of the industry. GPN outperforms 78.35% 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 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

More info and screens

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.
  • The number of shares outstanding for GPN has been reduced compared to 5 years ago.
  • 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 0.94. This is a bad value and indicates that GPN is not financially healthy and even has some risk of bankruptcy.
  • GPN has a Altman-Z score (0.94) which is comparable to the rest of the 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.
  • The Debt to Equity ratio of GPN (0.63) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 7.5
Altman-Z 0.94
ROIC/WACC0.66
WACC7.41%
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

  • A Current Ratio of 0.85 indicates that GPN may have some problems paying its short term obligations.
  • GPN's Current ratio of 0.85 is in line compared to the rest of the industry. GPN outperforms 46.39% of its industry peers.
  • 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 47.42% of its industry peers.
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

More info and screens

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

5

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%.
  • 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

  • The Earnings Per Share is expected to grow by 15.44% on average over the next years. This is quite good.
  • GPN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.44% yearly.
EPS Next Y6.87%
EPS Next 2Y9.26%
EPS Next 3Y11.74%
EPS Next 5Y15.44%
Revenue Next Year1.63%
Revenue Next 2Y3.72%
Revenue Next 3Y4.08%
Revenue Next 5Y9.44%

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 Revenue growth rate is decreasing: in the next years the growth will be less 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 5B 10B
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

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.71, 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 90.72% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.19, GPN is valued rather cheaply.
  • A Price/Forward Earnings ratio of 4.97 indicates a rather cheap valuation of GPN.
  • Based on the Price/Forward Earnings ratio, GPN is valued cheaper than 89.69% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, GPN is valued rather cheaply.
Industry RankSector Rank
PE 5.71
Fwd PE 4.97
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GPN indicates a somewhat cheap valuation: GPN is cheaper than 74.23% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, GPN is valued a bit cheaper than 76.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.87
EV/EBITDA 8.11
GPN Per share dataGPN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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.
PEG (NY)0.83
PEG (5Y)0.43
EPS Next 2Y9.26%
EPS Next 3Y11.74%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.45%, GPN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.23, GPN pays a bit more dividend than its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.82, GPN is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.45%

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

  • 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 2Y9.26%
EPS Next 3Y11.74%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

GLOBAL PAYMENTS INC

NYSE:GPN (2/13/2026, 8:13:55 PM)

After market: 68.53 +0.05 (+0.07%)

68.48

-0.49 (-0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)02-18
Inst Owners95.88%
Inst Owner Change0.41%
Ins Owners0.54%
Ins Owner Change-0.03%
Market Cap19.18B
Revenue(TTM)8.89B
Net Income(TTM)1.75B
Analysts71.67
Price Target105.2 (53.62%)
Short Float %4.24%
Short Ratio3.18
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
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)-1.19%
PT rev (3m)-0.94%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)-0.47%
EPS NY rev (1m)0.19%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)0.86%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.17%
Valuation
Industry RankSector Rank
PE 5.71
Fwd PE 4.97
P/S 2.16
P/FCF 8.87
P/OCF 6.86
P/B 0.85
P/tB 11.57
EV/EBITDA 8.11
EPS(TTM)12
EY17.52%
EPS(NY)13.79
Fwd EY20.13%
FCF(TTM)7.72
FCFY11.27%
OCF(TTM)9.98
OCFY14.58%
SpS31.76
BVpS80.95
TBVpS5.92
PEG (NY)0.83
PEG (5Y)0.43
Graham Number147.84
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 0.94
F-Score7
WACC7.41%
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 Y6.87%
EPS Next 2Y9.26%
EPS Next 3Y11.74%
EPS Next 5Y15.44%
Revenue 1Y (TTM)-11.3%
Revenue growth 3Y5.84%
Revenue growth 5Y15.52%
Sales Q2Q%3.04%
Revenue Next Year1.63%
Revenue Next 2Y3.72%
Revenue Next 3Y4.08%
Revenue Next 5Y9.44%
EBIT growth 1Y2.31%
EBIT growth 3Y11.27%
EBIT growth 5Y17.46%
EBIT Next Year10.45%
EBIT Next 3Y7.45%
EBIT Next 5Y11.35%
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 5.71 and the Price/Book (PB) ratio is 0.85.


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%.