Overview Dividends

(GPN) Global Payments - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US37940X1028

Payment, Processing, Software, Enterprise, Card

GPN EPS (Earnings per Share)

EPS Growth (3Y CAGR): 8.45%
EPS Trend (3Y Correlation): 82.5%

GPN Revenue

Revenue Growth (3Y CAGR): -5.49%
Revenue Trend (3Y Correlation): -11.7%

Description: GPN Global Payments October 16, 2025

Global Payments Inc. (NYSE:GPN) delivers payment technology and software across card, check, and digital channels in the Americas, Europe, and Asia-Pacific, operating through two primary segments: Merchant Solutions and Issuer Solutions.

The Merchant Solutions segment handles end-to-end transaction processing-including authorization, settlement, funding, chargeback resolution, and reporting-while also offering enterprise software such as point-of-sale systems, analytics, payroll, and human-capital management tools for a range of vertical markets. The Issuer Solutions segment provides platforms that let financial institutions and retailers manage card portfolios, plus commercial-payment, accounts-payable, and electronic-payment alternatives for businesses and governments.

Key recent metrics: FY2023 revenue reached approximately **$8.5 billion**, up about **5 % YoY**, and the company processed roughly **$7.5 trillion** in transaction volume, reflecting continued growth in digital and e-commerce payments. A primary economic driver is the accelerating shift toward cashless transactions and real-time payments, while sector dynamics such as PSD2 compliance in Europe and rising merchant discount rates in a higher-interest-rate environment directly impact margins.

For a deeper quantitative assessment, you may find ValueRay’s proprietary valuation models and scenario analysis useful.

GPN Stock Overview

Market Cap in USD	20,724m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2001-01-16

GPN Stock Ratings

Growth Rating	-58.0%
Fundamental	63.7%
Dividend Rating	48.7%
Return 12m vs S&P 500	-24.7%
Analyst Rating	3.59 of 5

GPN Dividends

Dividend Yield 12m	1.14%
Yield on Cost 5y	0.62%
Annual Growth 5y	6.41%
Payout Consistency	94.3%
Payout Ratio	8.5%

GPN Growth Ratios

Growth Correlation 3m	33.4%
Growth Correlation 12m	-67.4%
Growth Correlation 5y	-80.4%
CAGR 5y	-9.67%
CAGR/Max DD 3y (Calmar Ratio)	-0.19
CAGR/Mean DD 3y (Pain Ratio)	-0.47
Sharpe Ratio 12m	-0.10
Alpha	-27.82
Beta	0.982
Volatility	33.84%
Current Volume	1184.2k
Average Volume 20d	1796.2k
Stop Loss	84.8 (-3.1%)
Signal	0.55

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (1.43b TTM) > 0 and > 6% of Revenue (6% = 569.1m TTM)

FCFTA 0.06 (>2.0%) and ΔFCFTA 2.56pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -4.54% (prev -8.38%; Δ 3.84pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 3.57b > Net Income 1.43b (YES >=105%, WARN >=100%)

Net Debt (14.04b) to EBITDA (4.09b) ratio: 3.43 <= 3.0 (WARN <= 3.5)

Current Ratio 0.95 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (244.1m) change vs 12m ago -4.34% (target <= -2.0% for YES)

Gross Margin 65.01% (prev 64.90%; Δ 0.11pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 19.11% (prev 18.33%; Δ 0.79pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.81 (EBITDA TTM 4.09b / Interest Expense TTM 624.8m) >= 6 (WARN >= 3)

Altman Z'' 0.83

(A) -0.01 = (Total Current Assets 7.75b - Total Current Liabilities 8.18b) / Total Assets 48.52b

(B) 0.11 = Retained Earnings (Balance) 5.20b / Total Assets 48.52b

(D) 0.20 = Book Value of Equity 5.10b / Total Liabilities 25.10b

Total Rating: 0.83 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.66

1. Piotroski 5.50pt = 0.50

2. FCF Yield 8.45% = 4.22

3. FCF Margin 30.96% = 7.50

4. Debt/Equity 0.74 = 2.24

5. Debt/Ebitda 3.43 = -2.26

6. ROIC - WACC (= -1.86)% = -2.32

7. RoE 6.36% = 0.53

8. Rev. Trend -11.74% = -0.88

9. EPS Trend 82.53% = 4.13

What is the price of GPN shares?

As of October 24, 2025, the stock is trading at USD 87.48 with a total of 1,184,229 shares traded.
Over the past week, the price has changed by +4.57%, over one month by +1.59%, over three months by +4.57% and over the past year by -11.45%.

Is Global Payments a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Global Payments is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 63.66 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GPN is around 75.31 USD . This means that GPN is currently overvalued and has a potential downside of -13.91%.

Is GPN a buy, sell or hold?

Global Payments has received a consensus analysts rating of 3.59. Therefor, it is recommend to hold GPN.

Strong Buy: 11
Buy: 1
Hold: 20
Sell: 1
Strong Sell: 1

What are the forecasts/targets for the GPN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	103.6	18.4%
Analysts Target Price	103.6	18.4%
ValueRay Target Price	81.8	-6.5%

GPN Fundamental Data Overview October 20, 2025

Market Cap USD = 20.72b (20.72b USD * 1.0 USD.USD)
P/E Trailing = 14.552
P/E Forward = 6.3371
P/S = 2.0587
P/B = 0.928
P/EG = 0.5813
Beta = 0.982
Revenue TTM = 9.49b USD
EBIT TTM = 2.38b USD
EBITDA TTM = 4.09b USD
Long Term Debt = 14.15b USD (from longTermDebt, last quarter)
Short Term Debt = 2.50b USD (from shortTermDebt, last quarter)
Debt = 16.65b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 14.04b USD (from netDebt column, last quarter)
Enterprise Value = 34.76b USD (20.72b + Debt 16.65b - CCE 2.61b)
Interest Coverage Ratio = 3.81 (Ebit TTM 2.38b / Interest Expense TTM 624.8m)
FCF Yield = 8.45% (FCF TTM 2.94b / Enterprise Value 34.76b)
FCF Margin = 30.96% (FCF TTM 2.94b / Revenue TTM 9.49b)
Net Margin = 15.07% (Net Income TTM 1.43b / Revenue TTM 9.49b)
Gross Margin = 65.01% ((Revenue TTM 9.49b - Cost of Revenue TTM 3.32b) / Revenue TTM)
Gross Margin QoQ = 74.51% (prev 61.81%)
Tobins Q-Ratio = 0.72 (Enterprise Value 34.76b / Total Assets 48.52b)
Interest Expense / Debt = 0.91% (Interest Expense 152.2m / Debt 16.65b)
Taxrate = 38.12% (118.3m / 310.5m)
NOPAT = 1.47b (EBIT 2.38b * (1 - 38.12%))
Current Ratio = 0.95 (Total Current Assets 7.75b / Total Current Liabilities 8.18b)
Debt / Equity = 0.74 (Debt 16.65b / totalStockholderEquity, last quarter 22.59b)
Debt / EBITDA = 3.43 (Net Debt 14.04b / EBITDA 4.09b)
Debt / FCF = 4.78 (Net Debt 14.04b / FCF TTM 2.94b)
Total Stockholder Equity = 22.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.95% (Net Income 1.43b / Total Assets 48.52b)
RoE = 6.36% (Net Income TTM 1.43b / Total Stockholder Equity 22.48b)
RoCE = 6.50% (EBIT 2.38b / Capital Employed (Equity 22.48b + L.T.Debt 14.15b))
RoIC = 3.73% (NOPAT 1.47b / Invested Capital 39.45b)
WACC = 5.59% (E(20.72b)/V(37.37b) * Re(9.63%) + D(16.65b)/V(37.37b) * Rd(0.91%) * (1-Tc(0.38)))
Discount Rate = 9.63% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.31%
[DCF Debug] Terminal Value 72.46% ; FCFE base≈2.47b ; Y1≈2.44b ; Y5≈2.52b
Fair Price DCF = 140.5 (DCF Value 34.08b / Shares Outstanding 242.6m; 5y FCF grow -2.18% → 3.0% )
EPS Correlation: 82.53 | EPS CAGR: 8.45% | SUE: 1.55 | # QB: 1
Revenue Correlation: -11.74 | Revenue CAGR: -5.49% | SUE: -0.96 | # QB: 0

Additional Sources for GPN Stock

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