GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis

NYSE:GPN • US37940X1028

77.7 USD
-0.19 (-0.24%)
At close: Mar 3, 2026
77.7 USD
0 (0%)
After Hours: 3/3/2026, 8:16:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to GPN. GPN was compared to 97 industry peers in the Financial Services industry. While GPN belongs to the best of the industry regarding profitability, 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.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year GPN was profitable.
  • GPN had a positive operating cash flow in the past year.
  • 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 2025 1B 2B 3B

1.2 Ratios

  • GPN has a better Return On Assets (2.62%) than 68.04% of its industry peers.
  • GPN has a Return On Equity of 6.12%. This is comparable to the rest of the industry: GPN outperforms 43.30% of its industry peers.
  • With a Return On Invested Capital value of 4.13%, GPN perfoms like the industry average, outperforming 57.73% of the companies in the same industry.
  • GPN had an Average Return On Invested Capital over the past 3 years of 4.08%. This is below the industry average of 8.35%.
  • The 3 year average ROIC (4.08%) for GPN is below the current ROIC(4.13%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.62%
ROE 6.12%
ROIC 4.13%
ROA(3y)2.64%
ROA(5y)2.06%
ROE(3y)5.82%
ROE(5y)4.34%
ROIC(3y)4.08%
ROIC(5y)3.94%
GPN Yearly ROA, ROE, ROICGPN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 16.92%, GPN is doing good in the industry, outperforming 67.01% 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 28.11%, GPN is doing good in the industry, outperforming 76.29% 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 (69.37%) is better than 79.38% of its industry peers.
  • In the last couple of years the Gross Margin of GPN has grown nicely.
Industry RankSector Rank
OM 28.11%
PM (TTM) 16.92%
GM 69.37%
OM growth 3Y10.79%
OM growth 5Y12.34%
PM growth 3Y144.55%
PM growth 5Y18.2%
GM growth 3Y7.6%
GM growth 5Y7.17%
GPN Yearly Profit, Operating, Gross MarginsGPN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • GPN has less shares outstanding than it did 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 2025 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 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • GPN has an Altman-Z score of 1.00. This is a bad value and indicates that GPN is not financially healthy and even has some risk of bankruptcy.
  • GPN has a better Altman-Z score (1.00) than 60.82% of its industry peers.
  • GPN has a debt to FCF ratio of 10.70. This is a negative value and a sign of low solvency as GPN would need 10.70 years to pay back of all of its debts.
  • The Debt to FCF ratio of GPN (10.70) is comparable to the rest of the industry.
  • GPN has a Debt/Equity ratio of 0.87. This is a neutral value indicating GPN is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.87, GPN is in line with its industry, outperforming 44.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 10.7
Altman-Z 1
ROIC/WACC0.53
WACC7.86%
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 2025 5B 10B 15B 20B 25B

2.3 Liquidity

  • A Current Ratio of 1.69 indicates that GPN should not have too much problems paying its short term obligations.
  • GPN has a Current ratio of 1.69. This is in the better half of the industry: GPN outperforms 73.20% of its industry peers.
  • A Quick Ratio of 1.69 indicates that GPN should not have too much problems paying its short term obligations.
  • GPN has a Quick ratio of 1.69. This is in the better half of the industry: GPN outperforms 74.23% of its industry peers.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 1.69
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 2025 2B 4B 6B 8B 10B

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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 5.89%.
  • The Earnings Per Share has been growing by 13.83% 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 -18.13% 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)-18.13%
Revenue growth 3Y-4.96%
Revenue growth 5Y0.75%
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.
  • The Revenue is expected to grow by 11.48% on average over the next years. This is quite good.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue 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

  • GPN is valuated cheaply with a Price/Earnings ratio of 6.35.
  • Based on the Price/Earnings ratio, GPN is valued cheaply inside the industry as 86.60% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of GPN to the average of the S&P500 Index (26.83), we can say GPN is valued rather cheaply.
  • GPN is valuated cheaply with a Price/Forward Earnings ratio of 5.64.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GPN indicates a rather cheap valuation: GPN is cheaper than 84.54% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. GPN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.35
Fwd PE 5.64
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 71.13% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, GPN is valued a bit cheaper than the industry average as 71.13% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.67
EV/EBITDA 9.34
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.
  • GPN's earnings are expected to grow with 18.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)0.46
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 1.28%. Purely for dividend investing, there may be better candidates out there.
  • GPN's Dividend Yield is comparable with the industry average which is at 2.29.
  • Compared to the average S&P500 Dividend Yield of 1.82, GPN is paying slightly less dividend.
Industry RankSector 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
GPN Yearly Dividends per shareGPN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 17.04% of the earnings are spent on dividend by GPN. This is a low number and sustainable payout ratio.
  • GPN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP17.04%
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 2025 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 (3/3/2026, 8:16:03 PM)

After market: 77.7 0 (0%)

77.7

-0.19 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-18
Earnings (Next)05-04
Inst Owners95.88%
Inst Owner Change4.56%
Ins Owners0.54%
Ins Owner Change0.1%
Market Cap21.76B
Revenue(TTM)8.27B
Net Income(TTM)1.40B
Analysts71.67
Price Target104.25 (34.17%)
Short Float %5.36%
Short Ratio3.4
Dividend
Industry RankSector 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
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)-1.87%
PT rev (3m)-2.2%
EPS NQ rev (1m)-1.52%
EPS NQ rev (3m)-1.51%
EPS NY rev (1m)0.35%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)24.99%
Revenue NQ rev (3m)24.99%
Revenue NY rev (1m)2.07%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 6.35
Fwd PE 5.64
P/S 2.63
P/FCF 10.67
P/OCF 8.19
P/B 0.95
P/tB 13.76
EV/EBITDA 9.34
EPS(TTM)12.23
EY15.74%
EPS(NY)13.79
Fwd EY17.74%
FCF(TTM)7.28
FCFY9.37%
OCF(TTM)9.49
OCFY12.21%
SpS29.55
BVpS81.74
TBVpS5.65
PEG (NY)0.5
PEG (5Y)0.46
Graham Number149.98
Profitability
Industry RankSector Rank
ROA 2.62%
ROE 6.12%
ROCE 5.07%
ROIC 4.13%
ROICexc 5.04%
ROICexgc 11.52%
OM 28.11%
PM (TTM) 16.92%
GM 69.37%
FCFM 24.64%
ROA(3y)2.64%
ROA(5y)2.06%
ROE(3y)5.82%
ROE(5y)4.34%
ROIC(3y)4.08%
ROIC(5y)3.94%
ROICexc(3y)4.53%
ROICexc(5y)4.29%
ROICexgc(3y)33.82%
ROICexgc(5y)38.61%
ROCE(3y)5.04%
ROCE(5y)4.87%
ROICexgc growth 3Y-36.25%
ROICexgc growth 5Y-24.58%
ROICexc growth 3Y4.15%
ROICexc growth 5Y13.29%
OM growth 3Y10.79%
OM growth 5Y12.34%
PM growth 3Y144.55%
PM growth 5Y18.2%
GM growth 3Y7.6%
GM growth 5Y7.17%
F-Score6
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 10.7
Debt/EBITDA 5.32
Cap/Depr 43.65%
Cap/Sales 7.47%
Interest Coverage 250
Cash Conversion 71.01%
Profit Quality 145.62%
Current Ratio 1.69
Quick Ratio 1.69
Altman-Z 1
F-Score6
WACC7.86%
ROIC/WACC0.53
Cap/Depr(3y)38.98%
Cap/Depr(5y)36.63%
Cap/Sales(3y)7.85%
Cap/Sales(5y)7.24%
Profit Quality(3y)162.96%
Profit Quality(5y)437.24%
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)-18.13%
Revenue growth 3Y-4.96%
Revenue growth 5Y0.75%
Sales Q2Q%1.37%
Revenue Next Year5.87%
Revenue Next 2Y5.32%
Revenue Next 3Y15.51%
Revenue Next 5Y11.48%
EBIT growth 1Y-1.66%
EBIT growth 3Y5.3%
EBIT growth 5Y13.18%
EBIT Next Year32.64%
EBIT Next 3Y16.93%
EBIT Next 5Y14.4%
FCF growth 1Y-28.66%
FCF growth 3Y7.78%
FCF growth 5Y1.66%
OCF growth 1Y-24.8%
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 6.35 and the Price/Book (PB) ratio is 0.95.


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%.