GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis

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

73.28 USD
+1.52 (+2.12%)
At close: Feb 10, 2026
73.28 USD
0 (0%)
After Hours: 2/10/2026, 8:11:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, GPN scores 5 out of 10 in our fundamental rating. GPN was compared to 96 industry peers in the Financial Services industry. GPN has an excellent profitability rating, but 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.
  • 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.
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

  • Looking at the Return On Assets, with a value of 3.65%, GPN is in the better half of the industry, outperforming 70.83% of the companies in the same industry.
  • The Return On Equity of GPN (7.72%) is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 4.90%, GPN is in the better half of the industry, outperforming 65.63% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for GPN is below the industry average of 8.59%.
  • 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

  • The Profit Margin of GPN (19.68%) is better than 78.13% of its industry peers.
  • In the last couple of years the Profit Margin of GPN has grown nicely.
  • The Operating Margin of GPN (26.85%) is better than 72.92% of its industry peers.
  • 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 78.13% 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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3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GPN is destroying value.
  • GPN has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, GPN has less shares outstanding
  • Compared to 1 year ago, GPN has a worse debt to assets ratio.
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 57.29% 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 47.92% of the companies in the same industry.
  • A Debt/Equity ratio of 0.63 indicates that 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 0.89
ROIC/WACC0.64
WACC7.67%
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.
  • With a Current ratio value of 0.85, GPN perfoms like the industry average, outperforming 45.83% of the companies in the same industry.
  • A Quick Ratio of 0.85 indicates that GPN may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.85, GPN is in line with its industry, outperforming 46.88% of the companies in the same 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

  • GPN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.67%.
  • 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.
  • 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 Y6.87%
EPS Next 2Y9.26%
EPS Next 3Y11.74%
EPS Next 5Y15.55%
Revenue Next Year1.63%
Revenue Next 2Y3.72%
Revenue Next 3Y4.08%
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.
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

  • A Price/Earnings ratio of 6.11 indicates a rather cheap valuation of GPN.
  • Based on the Price/Earnings ratio, GPN is valued cheaply inside the industry as 91.67% of the companies are valued more expensively.
  • GPN is valuated cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 5.31, the valuation of GPN can be described as very cheap.
  • 88.54% 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 27.97.
Industry RankSector Rank
PE 6.11
Fwd PE 5.31
GPN Price Earnings VS Forward Price EarningsGPN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GPN is valued a bit cheaper than 79.17% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, GPN is valued cheaply inside the industry as 81.25% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.03
EV/EBITDA 7.55
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.
  • The decent profitability rating of GPN may justify a higher PE ratio.
PEG (NY)0.89
PEG (5Y)0.46
EPS Next 2Y9.26%
EPS Next 3Y11.74%

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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 1.40%. 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 2.03.
  • GPN's Dividend Yield is slightly below the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.4%

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

  • 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 2Y9.26%
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

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GLOBAL PAYMENTS INC

NYSE:GPN (2/10/2026, 8:11:36 PM)

After market: 73.28 0 (0%)

73.28

+1.52 (+2.12%)

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-1.83%
Ins Owners0.54%
Ins Owner Change-0.03%
Market Cap17.35B
Revenue(TTM)8.89B
Net Income(TTM)1.75B
Analysts70.86
Price Target105.2 (43.56%)
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)-1.19%
PT rev (3m)-0.94%
EPS NQ rev (1m)-0.25%
EPS NQ rev (3m)-0.45%
EPS NY rev (1m)0.19%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)0.17%
Valuation
Industry RankSector Rank
PE 6.11
Fwd PE 5.31
P/S 1.95
P/FCF 8.03
P/OCF 6.21
P/B 0.77
P/tB 10.47
EV/EBITDA 7.55
EPS(TTM)12
EY16.38%
EPS(NY)13.79
Fwd EY18.82%
FCF(TTM)9.13
FCFY12.46%
OCF(TTM)11.81
OCFY16.11%
SpS37.56
BVpS95.75
TBVpS7
PEG (NY)0.89
PEG (5Y)0.46
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
WACC7.67%
ROIC/WACC0.64
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 5Y15.55%
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 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 6.11 and the Price/Book (PB) ratio is 0.77.


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%.