GPN Stock Analysis: Global Payments | NYSE
Specialty Business Services | NYSE, USA | Market Cap: 21.509m USD | 12M Return: -5.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 266M
EPS Trend: -44.2%
Qual. Beats: -1
Rev. Trend: -79.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Global Payments Inc. (NYSE: GPN) is a payment technology and software provider headquartered in Atlanta, Georgia, and founded in 1967. The company operates across the Americas, Europe, and Asia-Pacific, offering card, check, and digital-based payment processing services including authorization, settlement, funding, chargeback resolution, reconciliation, payment security, and consolidated billing and reporting.
In addition to core payment processing, Global Payments supplies enterprise software solutions tailored to various vertical markets, along with value-added offerings such as point-of-sale software, analytics and customer engagement tools, payroll and reporting, and human capital management services.
The company distributes its products through multiple channels, including a direct sales force, trade associations, agent and enterprise software providers, value-added resellers, independent sales organizations, payment facilitators, and financial institutions. It is classified within the GICS Transaction & Payment Processing Services sub-industry, a sector characterized by high transaction volumes, recurring revenue streams, and consolidation among a small number of large-scale processors that serve merchants, banks, and software platforms globally.
- Consumer spending trends drive merchant transaction volume growth
- Acquisition debt burden pressures margins amid elevated rates
- European operations face currency headwinds from strong dollar
| Net Income: -705.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -4.44 > 1.0 |
| NWC/Revenue: -34.80% < 20% (prev -4.52%; Δ -30.27% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.81b > Net Income -705.5m |
| Net Debt (17.8b) to EBITDA (3.54b): 5.02 < 3 |
| Current Ratio: 0.79 > 1.5 & < 3 |
| Outstanding Shares: last quarter (240.2m) vs 12m ago -2.83% < -2% |
| Gross Margin: 67.31% > 18% (prev 67.60%; Δ -0.28% > 0.5%) |
| Asset Turnover: 15.79% > 50% (prev 18.68%; Δ -2.90% > 0%) |
| Interest Coverage Ratio: 2.17 > 6 (EBIT TTM 1.61b / Interest Expense TTM 742.0m) |
| A: -0.05 (Total Current Assets 11.7b - Total Current Liabilities 14.7b) / Total Assets 64.3b |
| B: 0.06 (Retained Earnings 4.07b / Total Assets 64.3b) |
| C: 0.03 (EBIT TTM 1.61b / Avg Total Assets 55.9b) |
| D: 0.60 (Book Value of Equity 23.8b / Total Liabilities 39.6b) |
| Altman-Z'' = 0.72 = B |
| DSRI: 3.0 (Receivables 4.77b/1.11b, Revenue 8.83b/8.90b) |
| GMI: 1.00 (GM 67.60% / 67.31%) |
| AQI: 0.97 (AQ_t 0.79 / AQ_t-1 0.81) |
| SGI: 0.99 (Revenue 8.83b / 8.90b) |
| TATA: -0.04 (NI -705.5m - CFO 1.81b) / TA 64.3b) |
| Beneish M = -1.40 (Cap -4..+1) = D |
As of July 11, 2026, the stock is trading at USD 76.04 with a total of 2,285,203 shares traded. Over the past week, the price has changed by -3.29%, over one month by +22.19%, over three months by +16.64% and over the past year by -5.15%.
Current recommended Stop Loss: 72.30 (which is 4.9% or 1.3 ATR below the current price).
Global Payments has received a consensus analysts rating of 3.64. Therefore, it is recommended to hold GPN.
- StrongBuy: 12
- Buy: 0
- Hold: 19
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 93.4 | 22.8% |
P/E Trailing = 28.9081
P/E Forward = 5.711
P/S = 2.4289
P/B = 0.904
P/EG = 0.2223
Revenue TTM = 8.83b USD
EBIT TTM = 1.61b USD
EBITDA TTM = 3.54b USD
Long Term Debt = 21.0b USD (from longTermDebt, last quarter)
Short Term Debt = 2.59b USD (from shortTermDebt, last quarter)
Debt = 23.6b USD (from shortLongTermDebtTotal, last quarter) + Leases 58.1m
Net Debt = 17.8b USD (calculated: Debt 23.6b - CCE 5.86b)
Enterprise Value = 39.3b USD (21.5b + Debt 23.6b - CCE 5.86b)
Interest Coverage Ratio = 2.17 (Ebit TTM 1.61b / Interest Expense TTM 742.0m)
EV/FCF = 37.02x (Enterprise Value 39.3b / FCF TTM 1.06b)
FCF Yield = 2.70% (FCF TTM 1.06b / Enterprise Value 39.3b)
FCF Margin = 12.02% (FCF TTM 1.06b / Revenue TTM 8.83b)
Net Margin = -7.99% (Net Income TTM -705.5m / Revenue TTM 8.83b)
Gross Margin = 67.31% ((Revenue TTM 8.83b - Cost of Revenue TTM 2.89b) / Revenue TTM)
Gross Margin QoQ = 57.11% (prev 70.62%)
Tobins Q-Ratio = 0.61 (Enterprise Value 39.3b / Total Assets 64.3b)
Interest Expense / Debt = 3.14% (Interest Expense 742.0m / Debt 23.6b)
Taxrate = 29.24% (273.2m / 934.3m)
NOPAT = 1.14b (EBIT 1.61b * (1 - 29.24%))
Current Ratio = 0.79 (Total Current Assets 11.7b / Total Current Liabilities 14.7b)
Debt / Equity = 0.99 (Debt 23.6b / totalStockholderEquity, last quarter 23.8b)
Debt / EBITDA = 5.02 (Net Debt 17.8b / EBITDA 3.54b)
Debt / FCF = 16.75 (Net Debt 17.8b / FCF TTM 1.06b)
Total Stockholder Equity = 23.0b (last 4 quarters mean from totalStockholderEquity)
RoA = -1.26% (Net Income -705.5m / Total Assets 64.3b)
RoE = -3.07% (Net Income TTM -705.5m / Total Stockholder Equity 23.0b)
RoCE = 3.66% (EBIT 1.61b / Capital Employed (Equity 23.0b + L.T.Debt 21.0b))
RoIC = 2.21% (NOPAT 1.14b / Invested Capital 51.7b)
WACC = 5.76% (E(21.5b)/V(45.1b) * Re(9.65%) + D(23.6b)/V(45.1b) * Rd(3.14%) * (1-Tc(0.29)))
Discount Rate = 9.65% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.61 | Cagr: -3.65%
[DCF] Terminal Value 73.10% ; FCFF base≈1.80b ; Y1≈1.58b ; Y5≈1.27b
[DCF] Fair Price = 9.74 (EV 20.4b - Net Debt 17.8b = Equity 2.66b / Shares 273.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -44.21 | EPS CAGR: -16.67% | SUE: -4.0 | # QB: -1
Revenue Correlation: -79.41 | Revenue CAGR: -4.04% | SUE: 0.20 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.47 | Chg30d=-1.14% | Revisions=-64% | Analysts=27
EPS next Quarter (2026-09-30): EPS=3.67 | Chg30d=-0.19% | Revisions=-36% | Analysts=26
EPS current Year (2026-12-31): EPS=13.84 | Chg30d=-0.27% | Revisions=-71% | GrowthEPS=+13.2% | GrowthRev=+33.5%
EPS next Year (2027-12-31): EPS=16.17 | Chg30d=-0.15% | Revisions=-27% | GrowthEPS=+16.9% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: -60% (up=8, down=37)