GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis

NYSE:GPN • US37940X1028

81.6 USD
+1.35 (+1.68%)
Last: Feb 20, 2026, 01:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

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 is still in line with the averages on profitability rating, there are concerns on its financial health. GPN may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year GPN was profitable.
  • GPN had a positive operating cash flow in the past year.
  • GPN had positive earnings in 4 of the past 5 years.
  • GPN had a positive operating cash flow in 4 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's Return On Assets of 3.65% is fine compared to the rest of the industry. GPN outperforms 70.10% of its industry peers.
  • GPN's Return On Equity of 7.72% is in line compared to the rest of the industry. GPN outperforms 44.33% of its industry peers.
  • GPN's Return On Invested Capital of 4.90% is fine compared to the rest of the industry. GPN outperforms 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 8.38%.
  • 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 77.32% of its industry peers.
  • In the last couple of years the Profit Margin of GPN has grown nicely.
  • With a decent Operating Margin value of 26.85%, GPN is doing good in the industry, outperforming 73.20% of the companies in the same industry.
  • In the last couple of years the Operating Margin of GPN has grown nicely.
  • Looking at the Gross Margin, with a value of 67.06%, GPN is in the better half of the industry, outperforming 78.35% of the companies in the same industry.
  • 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

2

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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

  • Based on the Altman-Z score of 1.02, we must say that GPN is in the distress zone and has some risk of bankruptcy.
  • GPN's Altman-Z score of 1.02 is in line compared to the rest of the industry. GPN outperforms 59.79% of its industry peers.
  • 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.
  • The Debt to FCF ratio of GPN (7.50) is comparable to the rest of the industry.
  • GPN has a Debt/Equity ratio of 0.63. This is a neutral value indicating GPN is somewhat dependend on debt financing.
  • GPN has a Debt to Equity ratio (0.63) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 7.5
Altman-Z 1.02
ROIC/WACC0.65
WACC7.52%
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 has a Current ratio of 0.85. This is comparable 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 (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

4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.89% over the past year.
  • GPN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.83% yearly.
EPS 1Y (TTM)5.89%
EPS 3Y9.44%
EPS 5Y13.83%
EPS Q2Q%7.8%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%1.37%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.95% 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 11.48% yearly.
EPS Next Y12.74%
EPS Next 2Y14.79%
EPS Next 3Y18.36%
EPS Next 5Y17.95%
Revenue Next Year5.87%
Revenue Next 2Y5.32%
Revenue Next 3Y15.51%
Revenue Next 5Y11.48%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.67 indicates a rather cheap valuation of GPN.
  • Based on the Price/Earnings ratio, GPN is valued cheaper than 86.60% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of GPN to the average of the S&P500 Index (27.09), we can say GPN is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.92 indicates a rather cheap valuation of GPN.
  • 84.54% of the companies in the same industry are more expensive than GPN, based on the Price/Forward Earnings ratio.
  • GPN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.98.
Industry RankSector Rank
PE 6.67
Fwd PE 5.92
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 the industry average as 73.20% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, GPN is valued a bit cheaper than the industry average as 73.20% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.57
EV/EBITDA 8.95
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.
  • GPN's earnings are expected to grow with 18.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)0.48
EPS Next 2Y14.79%
EPS Next 3Y18.36%

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

5

5. Dividend

5.1 Amount

  • GPN has a Yearly Dividend Yield of 1.25%.
  • GPN's Dividend Yield is comparable with the industry average which is at 2.34.
  • Compared to the average S&P500 Dividend Yield of 1.85, GPN is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.25%

5.2 History

  • On average, the dividend of GPN grows each year by 21.27%, which is quite nice.
  • 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.
  • The dividend of GPN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP13.82%
EPS Next 2Y14.79%
EPS Next 3Y18.36%
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 (2/20/2026, 1:16:48 PM)

81.6

+1.35 (+1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-18
Earnings (Next)05-04
Inst Owners95.88%
Inst Owner Change0.41%
Ins Owners0.54%
Ins Owner Change-0.03%
Market Cap22.85B
Revenue(TTM)N/A
Net Income(TTM)1.75B
Analysts71.67
Price Target105.2 (28.92%)
Short Float %4.24%
Short Ratio3.18
Dividend
Industry RankSector Rank
Dividend Yield 1.25%
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 6.67
Fwd PE 5.92
P/S 2.57
P/FCF 10.57
P/OCF 8.18
P/B 1.01
P/tB 13.79
EV/EBITDA 8.95
EPS(TTM)12.23
EY14.99%
EPS(NY)13.79
Fwd EY16.9%
FCF(TTM)7.72
FCFY9.46%
OCF(TTM)9.98
OCFY12.23%
SpS31.76
BVpS80.95
TBVpS5.92
PEG (NY)0.52
PEG (5Y)0.48
Graham Number149.25
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 1.02
F-Score7
WACC7.52%
ROIC/WACC0.65
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)5.89%
EPS 3Y9.44%
EPS 5Y13.83%
EPS Q2Q%7.8%
EPS Next Y12.74%
EPS Next 2Y14.79%
EPS Next 3Y18.36%
EPS Next 5Y17.95%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%1.37%
Revenue Next Year5.87%
Revenue Next 2Y5.32%
Revenue Next 3Y15.51%
Revenue Next 5Y11.48%
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 6 / 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 6.67 and the Price/Book (PB) ratio is 1.01.


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%.