(GPN) Global Payments - NYSE
Sector: Industrials | Industry: Specialty Business Services | Exchange: NYSE (USA) | Market Cap: 18.459m USD | Total Return: -11.6% in 12m
Avg Turnover: 287M
EPS Trend: -44.2%
Qual. Beats: -1
Rev. Trend: -79.4%
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
Global Payments Inc. (GPN) is an Atlanta-based provider of payment technology and software solutions operating across the Americas, Europe, and the Asia-Pacific regions. The company manages the full lifecycle of transaction processing, including authorization, settlement, and dispute management for card-based and digital payments. Its business model increasingly integrates merchant acquiring with proprietary vertical-market software, a strategy known as software-led payments designed to increase customer retention and margin stability.
The firm serves various sectors through a multi-channel distribution network comprising direct sales, financial institution partnerships, and independent software vendors. Beyond core processing, Global Payments offers value-added services such as payroll processing, human capital management, and point-of-sale analytics. As the payment processing industry shifts toward digital-first ecosystems, firms like GPN rely on scale and technological integration to compete with both legacy processors and emerging fintech challengers. Investors can use ValueRay to further analyze the companys valuation and growth metrics.
- Merchant solutions volume growth depends on resilient consumer discretionary spending trends
- Strategic shift toward software-led payments integration improves long-term operating margins
- High interest rates increase debt servicing costs on significant corporate leverage
- Expansion into international markets diversifies revenue away from domestic economic volatility
- Competitive pricing pressure from fintech rivals threatens merchant acquisition and retention rates
| 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 (3.26b): 5.45 < 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: 1.93 > 6 (EBIT TTM 1.43b / 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 1.43b / Avg Total Assets 55.9b) |
| D: 0.60 (Book Value of Equity 23.8b / Total Liabilities 39.6b) |
| Altman-Z'' = 0.70 = 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 June 20, 2026, the stock is trading at USD 66.88 with a total of 6,117,670 shares traded.
Over the past week, the price has changed by +2.59%,
over one month by -1.18%,
over three months by -1.53% and
over the past year by -11.58%.
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 | 94.5 | 41.3% |
P/E Trailing = 24.9004
P/E Forward = 4.9092
P/S = 2.0845
P/B = 0.7785
P/EG = 0.1911
Revenue TTM = 8.83b USD
EBIT TTM = 1.43b USD
EBITDA TTM = 3.26b 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 = 36.2b USD (18.5b + Debt 23.6b - CCE 5.86b)
Interest Coverage Ratio = 1.93 (Ebit TTM 1.43b / Interest Expense TTM 742.0m)
EV/FCF = 34.15x (Enterprise Value 36.2b / FCF TTM 1.06b)
FCF Yield = 2.93% (FCF TTM 1.06b / Enterprise Value 36.2b)
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 = 0.56 (Enterprise Value 36.2b / Total Assets 64.3b)
Interest Expense / Debt = 3.14% (Interest Expense 742.0m / Debt 23.6b)
Taxrate = 29.24% (273.2m / 934.3m)
NOPAT = 1.01b (EBIT 1.43b * (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 = 5.45 (Net Debt 17.8b / EBITDA 3.26b)
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 = 3.26% (EBIT 1.43b / Capital Employed (Equity 23.0b + L.T.Debt 21.0b))
RoIC = 1.96% (NOPAT 1.01b / Invested Capital 51.7b)
WACC = 5.35% (E(18.5b)/V(42.1b) * Re(9.36%) + D(23.6b)/V(42.1b) * Rd(3.14%) * (1-Tc(0.29)))
Discount Rate = 9.36% (= 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=3.49 | Chg30d=-0.66% | Revisions=-44% | Analysts=26
EPS next Quarter (2026-09-30): EPS=3.67 | Chg30d=-0.07% | Revisions=+31% | Analysts=25
EPS current Year (2026-12-31): EPS=13.86 | Chg30d=-0.02% | Revisions=+76% | GrowthEPS=+13.4% | GrowthRev=+33.6%
EPS next Year (2027-12-31): EPS=16.19 | Chg30d=-0.03% | Revisions=+7% | GrowthEPS=+16.8% | GrowthRev=+5.6%
[Analyst] Revisions Ratio: +76%