GLOBAL PAYMENTS INC (GPN) Fundamental Analysis & Valuation

NYSE:GPN • US37940X1028

76.4 USD
-1.89 (-2.41%)
At close: Mar 6, 2026
76.11 USD
-0.29 (-0.38%)
After Hours: 3/6/2026, 8:23:07 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This GPN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

GPN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. GPN has an excellent profitability rating, but there are some minor concerns on its financial health. GPN may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

7

1. GPN Profitability Analysis

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.
  • Each year in the past 5 years GPN had a positive operating cash flow.
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

  • The Return On Assets of GPN (2.62%) is better than 67.01% of its industry peers.
  • GPN has a Return On Equity (6.12%) which is in line with its industry peers.
  • The Return On Invested Capital of GPN (4.13%) is comparable to the rest of the 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 68.04% of the companies in the same industry.
  • GPN's Profit Margin has improved in the last couple of years.
  • GPN has a Operating Margin of 28.11%. This is in the better half of the industry: GPN outperforms 76.29% of its industry peers.
  • In the last couple of years the Operating Margin of GPN has grown nicely.
  • GPN has a Gross Margin of 69.37%. This is in the better half of the industry: GPN outperforms 79.38% of its industry peers.
  • GPN's Gross Margin has improved in the last couple of years.
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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4

2. GPN Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GPN is destroying value.
  • Compared to 1 year ago, GPN has less shares outstanding
  • Compared to 5 years ago, GPN has less shares outstanding
  • The debt/assets ratio for GPN is higher compared to a year ago.
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

  • Based on the Altman-Z score of 1.00, we must say that GPN is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.00, GPN is doing good in the industry, outperforming 61.86% of the companies in the same industry.
  • The Debt to FCF ratio of GPN is 10.70, which is on the high side as it means it would take GPN, 10.70 years of fcf income to pay off all of its debts.
  • GPN's Debt to FCF ratio of 10.70 is in line compared to the rest of the industry. GPN outperforms 45.36% of its industry peers.
  • A Debt/Equity ratio of 0.87 indicates that 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 45.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 10.7
Altman-Z 1
ROIC/WACC0.53
WACC7.83%
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

  • GPN has a Current Ratio of 1.69. This is a normal value and indicates that GPN is financially healthy and should not expect problems in meeting its short term obligations.
  • GPN has a Current ratio of 1.69. This is in the better half of the industry: GPN outperforms 74.23% 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 better Quick ratio (1.69) than 75.26% 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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5

3. GPN Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.89% over the past year.
  • The Earnings Per Share has been growing by 13.83% on average over the past years. This is quite good.
  • The Revenue for GPN has decreased by -18.13% in the past year. This is quite bad
  • 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

  • Based on estimates for the next years, GPN will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.95% on average per year.
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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8

4. GPN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.25, 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 86.60% of the companies listed in the same industry.
  • GPN is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • GPN is valuated cheaply with a Price/Forward Earnings ratio of 5.54.
  • GPN's Price/Forward Earnings ratio is rather cheap when compared to the industry. GPN is cheaper than 84.54% of the companies in the same industry.
  • GPN is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.25
Fwd PE 5.54
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 71.13% of the companies are valued more expensively.
  • 71.13% 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 10.49
EV/EBITDA 9.37
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)0.49
PEG (5Y)0.45
EPS Next 2Y14.79%
EPS Next 3Y18.36%

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5

5. GPN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.28%, GPN has a reasonable but not impressive dividend return.
  • 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 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)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.
  • The dividend of GPN is growing, but earnings are growing more, so the dividend growth is 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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GPN Fundamentals: All Metrics, Ratios and Statistics

GLOBAL PAYMENTS INC

NYSE:GPN (3/6/2026, 8:23:07 PM)

After market: 76.11 -0.29 (-0.38%)

76.4

-1.89 (-2.41%)

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 Cap21.39B
Revenue(TTM)8.27B
Net Income(TTM)1.40B
Analysts71.67
Price Target104.25 (36.45%)
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 6.25
Fwd PE 5.54
P/S 2.59
P/FCF 10.49
P/OCF 8.05
P/B 0.93
P/tB 13.53
EV/EBITDA 9.37
EPS(TTM)12.23
EY16.01%
EPS(NY)13.79
Fwd EY18.05%
FCF(TTM)7.28
FCFY9.53%
OCF(TTM)9.49
OCFY12.42%
SpS29.55
BVpS81.74
TBVpS5.65
PEG (NY)0.49
PEG (5Y)0.45
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
WACC7.83%
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 6.25 and the Price/Book (PB) ratio is 0.93.


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%.