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

EPS (Earnings per Share)

EPS Growth (3y CAGR): 11.44%
EPS Trend (3y Corr): 85.6%

Last SUE: 1.10σ
Qual. Beats: 2

Revenue

Revenue Growth (3y CAGR): -4.11%
Revenue Trend (3y Corr): -44.5%

Last SUE: -0.73σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	33.4%
Value at Risk 5%th	49.3%
Relative Tail Risk	-10.21%

Reward TTM
Sharpe Ratio	-1.05
Alpha	-51.78

Character TTM
Hurst Exponent	0.306
Beta	1.252
Beta Downside	1.400

Drawdowns 3y
Max DD	50.88%
Mean DD	19.27%
Median DD	16.94%

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	17,860m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2001-01-16
Return 12m vs S&P 500	-44.8%
Analyst Rating	3.59 of 5

GPN Dividends

Metric	Value
Dividend Yield	1.38%
Yield on Cost 5y	0.55%
Yield CAGR 5y	6.41%
Payout Consistency	94.3%
Payout Ratio	8.3%

GPN Growth Ratios

Metric	Value
CAGR 3y	-8.11%
CAGR/Max DD Calmar Ratio	-0.16
CAGR/Mean DD Pain Ratio	-0.42
Current Volume	1627.7k
Average Volume	1787k

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (1.75b TTM) > 0 and > 6% of Revenue (6% = 533.5m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA -1.27pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -13.79% (prev -7.12%; Δ -6.67pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 2.79b > Net Income 1.75b (YES >=105%, WARN >=100%)

Net Debt (12.62b) to EBITDA (4.32b) ratio: 2.92 <= 3.0 (WARN <= 3.5)

Current Ratio 0.85 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (240.2m) change vs 12m ago -5.78% (target <= -2.0% for YES)

Gross Margin 67.06% (prev 61.93%; Δ 5.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 18.16% (prev 17.65%; Δ 0.51pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 4.52 (EBITDA TTM 4.32b / Interest Expense TTM 583.1m) >= 6 (WARN >= 3)

Altman Z'' 0.83

(A) -0.03 = (Total Current Assets 7.21b - Total Current Liabilities 8.43b) / Total Assets 47.96b

(B) 0.12 = Retained Earnings (Balance) 5.78b / Total Assets 47.96b

(D) 0.23 = Book Value of Equity 5.64b / Total Liabilities 24.46b

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

ValueRay F-Score (Strict, 0-100) 61.78

1. Piotroski 6.50pt = 1.50

2. FCF Yield 7.09% = 3.54

3. FCF Margin 24.31% = 6.08

4. Debt/Equity 0.67 = 2.28

5. Debt/Ebitda 2.92 = -1.66

6. ROIC - WACC (= -1.24)% = -1.55

7. RoE 7.79% = 0.65

8. Rev. Trend -44.52% = -3.34

9. EPS Trend 85.59% = 4.28

What is the price of GPN shares?

As of November 19, 2025, the stock is trading at USD 72.58 with a total of 1,627,678 shares traded.
Over the past week, the price has changed by -4.11%, over one month by -15.03%, over three months by -15.72% and over the past year by -36.77%.

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	104.2	43.6%
Analysts Target Price	104.2	43.6%
ValueRay Target Price	66.4	-8.5%

GPN Fundamental Data Overview November 17, 2025

Market Cap USD = 17.86b (17.86b USD * 1.0 USD.USD)
P/E Trailing = 11.2458
P/E Forward = 5.4945
P/S = 1.7725
P/B = 0.774
P/EG = 0.5134
Beta = 0.824
Revenue TTM = 8.89b USD
EBIT TTM = 2.64b USD
EBITDA TTM = 4.32b USD
Long Term Debt = 13.32b USD (from longTermDebt, last quarter)
Short Term Debt = 1.90b USD (from shortTermDebt, last quarter)
Debt = 15.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.62b USD (from netDebt column, last quarter)
Enterprise Value = 30.48b USD (17.86b + Debt 15.23b - CCE 2.60b)
Interest Coverage Ratio = 4.52 (Ebit TTM 2.64b / Interest Expense TTM 583.1m)
FCF Yield = 7.09% (FCF TTM 2.16b / Enterprise Value 30.48b)
FCF Margin = 24.31% (FCF TTM 2.16b / Revenue TTM 8.89b)
Net Margin = 19.68% (Net Income TTM 1.75b / Revenue TTM 8.89b)
Gross Margin = 67.06% ((Revenue TTM 8.89b - Cost of Revenue TTM 2.93b) / Revenue TTM)
Gross Margin QoQ = 72.27% (prev 74.51%)
Tobins Q-Ratio = 0.64 (Enterprise Value 30.48b / Total Assets 47.96b)
Interest Expense / Debt = 0.77% (Interest Expense 117.0m / Debt 15.23b)
Taxrate = 29.63% (199.3m / 672.6m)
NOPAT = 1.86b (EBIT 2.64b * (1 - 29.63%))
Current Ratio = 0.85 (Total Current Assets 7.21b / Total Current Liabilities 8.43b)
Debt / Equity = 0.67 (Debt 15.23b / totalStockholderEquity, last quarter 22.67b)
Debt / EBITDA = 2.92 (Net Debt 12.62b / EBITDA 4.32b)
Debt / FCF = 5.84 (Net Debt 12.62b / FCF TTM 2.16b)
Total Stockholder Equity = 22.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.65% (Net Income 1.75b / Total Assets 47.96b)
RoE = 7.79% (Net Income TTM 1.75b / Total Stockholder Equity 22.45b)
RoCE = 7.37% (EBIT 2.64b / Capital Employed (Equity 22.45b + L.T.Debt 13.32b))
RoIC = 4.75% (NOPAT 1.86b / Invested Capital 39.08b)
WACC = 5.99% (E(17.86b)/V(33.09b) * Re(10.63%) + D(15.23b)/V(33.09b) * Rd(0.77%) * (1-Tc(0.30)))
Discount Rate = 10.63% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.09%
[DCF Debug] Terminal Value 69.15% ; FCFE base≈2.45b ; Y1≈2.42b ; Y5≈2.50b
Fair Price DCF = 124.3 (DCF Value 29.44b / Shares Outstanding 236.7m; 5y FCF grow -2.18% → 3.0% )
EPS Correlation: 85.59 | EPS CAGR: 11.44% | SUE: 1.10 | # QB: 2
Revenue Correlation: -44.52 | Revenue CAGR: -4.11% | SUE: -0.73 | # QB: 0

Additional Sources for GPN Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle