GPN Stock Analysis: Global Payments | NYSE
Specialty Business Services | NYSE, USA | Market Cap: 25.133m USD | 12M Return: 29.2% | US37940X1028 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 213M
EPS Trend: 99.4%
Qual. Beats: 0
Rev. Trend: 23.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 large-cap U.S. payment technology and software provider headquartered in Atlanta, Georgia, and founded in 1967. The company processes card, check, and digital-based transactions across the Americas, Europe, and Asia-Pacific, supporting merchants and financial institutions with end-to-end services including authorization, settlement, funding, chargeback resolution, terminal rental, payment security, and consolidated reporting.
In addition to core payment processing, Global Payments sells enterprise software and value-added solutions targeting specific vertical markets, such as point-of-sale software, analytics, customer engagement, payroll, and human capital management. The company distributes these offerings through a multi-channel sales model that combines a direct sales force with agent networks, independent sales organizations, payment facilitators, value-added resellers, and bank partnerships.
As a member of the Financials sector (Transaction & Payment Processing Services sub-industry), Global Payments operates in a market that has experienced significant consolidation, with a small number of scaled acquirers and software-led payment providers serving most global merchants. The sub-industrys core business model is volume-based, generating revenue from per-transaction fees, residual merchant income, terminal sales/leasing, and recurring software subscriptions, which typically produce high incremental margins on incremental volume.
- Merchant solutions segment drives organic revenue growth
- Interest rate cuts pressure net interest income margins
- Competition intensifies from Stripe and Block in payments
| Net Income: -1.31b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -4.78 > 1.0 |
| NWC/Revenue: -21.45% < 20% (prev -13.79%; Δ -7.66% < -1%) |
| CFO/TA 0.01 > 3% & CFO 728.1m > Net Income -1.31b |
| Net Debt (18.2b) to EBITDA (4.02b): 4.52 < 3 |
| Current Ratio: 0.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (265.2m) vs 12m ago 10.40% < -2% |
| Gross Margin: 61.53% > 18% (prev 67.06%; Δ -5.53% > 0.5%) |
| Asset Turnover: 20.82% > 50% (prev 18.54%; Δ 2.29% > 0%) |
| Interest Coverage Ratio: 1.02 > 6 (EBIT TTM 1.02b / Interest Expense TTM 1.00b) |
| A: -0.04 (Total Current Assets 11.0b - Total Current Liabilities 13.5b) / Total Assets 62.4b |
| B: 0.07 (Retained Earnings 4.23b / Total Assets 62.4b) |
| C: 0.02 (EBIT TTM 1.02b / Avg Total Assets 55.2b) |
| D: 0.60 (Book Value of Equity 23.1b / Total Liabilities 38.4b) |
| Altman-Z'' = 0.72 = B |
| DSRI: 3.0 (Receivables 4.42b/878.2m, Revenue 11.5b/8.89b) |
| GMI: 1.09 (GM 67.06% / 61.53%) |
| AQI: 0.96 (AQ_t 0.79 / AQ_t-1 0.82) |
| SGI: 1.29 (Revenue 11.5b / 8.89b) |
| TATA: -0.03 (NI -1.31b - CFO 728.1m) / TA 62.4b) |
| Beneish M = -1.12 (Cap -4..+1) = D |
As of November 08, 2026, the stock is trading at USD 97.40 with a total of 3,648,534 shares traded. Over the past week, the price has changed by +0.58%, over one month by +19.09%, over three months by +11.39% and over the past year by +29.20%.
Current recommended Stop Loss: 92.60 (which is 4.9% or 1.3 ATR below the current price).
Global Payments has received a consensus analysts rating of 3.78. Therefore, it is recommended to hold GPN.
- StrongBuy: 15
- Buy: 2
- Hold: 18
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 105.3 | 8.1% |
P/E Trailing = 44.5916
P/E Forward = 5.9952
P/S = 2.4624
P/B = 1.1002
P/EG = 0.2351
Revenue TTM = 11.5b USD
EBIT TTM = 1.02b USD
EBITDA TTM = 4.02b USD
Long Term Debt = 19.5b USD (from longTermDebt, last fiscal year)
Short Term Debt = 2.62b USD (from shortTermDebt, last quarter)
Debt = 23.8b USD (from shortLongTermDebtTotal, last quarter) + Leases 58.1m
Net Debt = 18.2b USD (calculated: Debt 23.8b - CCE 5.57b)
Enterprise Value = 43.3b USD (25.1b + Debt 23.8b - CCE 5.57b)
Interest Coverage Ratio = 1.02 (Ebit TTM 1.02b / Interest Expense TTM 1.00b)
EV/FCF = -256.3x (Enterprise Value 43.3b / FCF TTM -169.0m)
FCF Yield = -0.39% (FCF TTM -169.0m / Enterprise Value 43.3b)
FCF Margin = -1.47% (FCF TTM -169.0m / Revenue TTM 11.5b)
Net Margin = -11.40% (Net Income TTM -1.31b / Revenue TTM 11.5b)
Gross Margin = 61.53% ((Revenue TTM 11.5b - Cost of Revenue TTM 4.42b) / Revenue TTM)
Gross Margin QoQ = 60.78% (prev 61.04%)
Tobins Q-Ratio = 0.69 (Enterprise Value 43.3b / Total Assets 62.4b)
Interest Expense / Debt = 4.21% (Interest Expense 1.00b / Debt 23.8b)
Taxrate = 18.23% (251.6m / 1.38b)
NOPAT = 834.5m (EBIT 1.02b * (1 - 18.23%))
Current Ratio = 0.82 (Total Current Assets 11.0b / Total Current Liabilities 13.5b)
Debt / Equity = 1.03 (Debt 23.8b / totalStockholderEquity, last quarter 23.1b)
Debt / EBITDA = 4.52 (Net Debt 18.2b / EBITDA 4.02b)
Debt / FCF = -107.6 (out of range, set to none) (Net Debt 18.2b / FCF TTM -169.0m)
Total Stockholder Equity = 23.2b (last 4 quarters mean from totalStockholderEquity)
RoA = -2.37% (Net Income -1.31b / Total Assets 62.4b)
RoE = -5.64% (Net Income TTM -1.31b / Total Stockholder Equity 23.2b)
RoCE = 2.39% (EBIT 1.02b / Capital Employed (Equity 23.2b + L.T.Debt 19.5b))
RoIC = 1.64% (NOPAT 834.5m / Invested Capital 51.0b)
WACC = 5.83% (E(25.1b)/V(48.9b) * Re(8.09%) + D(23.8b)/V(48.9b) * Rd(4.21%) * (1-Tc(0.18)))
Discount Rate = 8.09% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 8.05 | Cagr: 1.72%
[DCF] Fair Price = unknown (Cash Flow -169.0m)
EPS Correlation: 99.44 | EPS CAGR: 8.46% | SUE: 0.16 | # QB: 0
Revenue Correlation: 23.03 | Revenue CAGR: 2.26% | SUE: 0.17 | # QB: 0
EPS current Quarter (2027-03-31): EPS=3.38 | Chg30d=+0.46% | Revisions=-12% | Analysts=27
EPS current Year (2026-12-31): EPS=13.64 | Chg30d=-0.06% | Revisions=-12% | GrowthEPS=+11.6% | GrowthRev=+32.6%
EPS next Year (2027-12-31): EPS=16.10 | Chg30d=+0.56% | Revisions=+55% | GrowthEPS=+18.0% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +19% (up=11, down=7)