GPN Stock Analysis: Global Payments | NYSE
Specialty Business Services | NYSE, USA | Market Cap: 21.715m USD | 12M Return: -0.8% | US37940X1028 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 178M
EPS Trend: 99.4%
Qual. Beats: 0
Rev. Trend: -30.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
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: -955.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -4.76 > 1.0 |
| NWC/Revenue: -24.36% < 20% (prev -4.85%; Δ -19.52% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.66b > Net Income -955.9m |
| Net Debt (17.1b) to EBITDA (3.99b): 4.28 < 3 |
| Current Ratio: 0.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (259.4m) vs 12m ago 6.28% < -2% |
| Gross Margin: 63.89% > 18% (prev 67.61%; Δ -3.72% > 0.5%) |
| Asset Turnover: 18.19% > 50% (prev 18.31%; Δ -0.12% > 0%) |
| Interest Coverage Ratio: 1.76 > 6 (EBIT TTM 1.53b / Interest Expense TTM 867.3m) |
| A: -0.04 (Total Current Assets 11.7b - Total Current Liabilities 14.2b) / Total Assets 63.6b |
| B: 0.06 (Retained Earnings 4.01b / Total Assets 63.6b) |
| C: 0.03 (EBIT TTM 1.53b / Avg Total Assets 56.0b) |
| D: 0.58 (Book Value of Equity 23.1b / Total Liabilities 39.6b) |
| Altman-Z'' = 0.75 = B |
| DSRI: 3.0 (Receivables 5.20b/864.4m, Revenue 10.2b/8.88b) |
| GMI: 1.06 (GM 67.61% / 63.89%) |
| AQI: 0.97 (AQ_t 0.78 / AQ_t-1 0.81) |
| SGI: 1.15 (Revenue 10.2b / 8.88b) |
| TATA: -0.04 (NI -955.9m - CFO 1.66b) / TA 63.6b) |
| Beneish M = -1.25 (Cap -4..+1) = D |
As of October 18, 2026, the stock is trading at USD 83.67 with a total of 2,664,498 shares traded. Over the past week, the price has changed by +1.79%, over one month by -2.03%, over three months by +7.82% and over the past year by -0.77%.
Current recommended Stop Loss: 80.70 (which is 3.5% or 1.2 ATR below the current price).
Global Payments has received a consensus analysts rating of 3.69. Therefore, it is recommended to hold GPN.
- StrongBuy: 13
- Buy: 2
- Hold: 19
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 104.9 | 25.4% |
P/E Trailing = 38.5258
P/E Forward = 5.291
P/S = 2.1275
P/B = 0.9707
P/EG = 0.2075
Revenue TTM = 10.2b USD
EBIT TTM = 1.53b USD
EBITDA TTM = 3.99b USD
Long Term Debt = 21.5b USD (from longTermDebt, last quarter)
Short Term Debt = 925.0m USD (from shortTermDebt, last quarter)
Debt = 22.5b USD (from shortLongTermDebtTotal, last quarter) + Leases 58.1m
Net Debt = 17.1b USD (calculated: Debt 22.5b - CCE 5.41b)
Enterprise Value = 38.8b USD (21.7b + Debt 22.5b - CCE 5.41b)
Interest Coverage Ratio = 1.76 (Ebit TTM 1.53b / Interest Expense TTM 867.3m)
EV/FCF = 47.14x (Enterprise Value 38.8b / FCF TTM 822.7m)
FCF Yield = 2.12% (FCF TTM 822.7m / Enterprise Value 38.8b)
FCF Margin = 8.07% (FCF TTM 822.7m / Revenue TTM 10.2b)
Net Margin = -9.38% (Net Income TTM -955.9m / Revenue TTM 10.2b)
Gross Margin = 63.89% ((Revenue TTM 10.2b - Cost of Revenue TTM 3.68b) / Revenue TTM)
Gross Margin QoQ = 61.04% (prev 57.11%)
Tobins Q-Ratio = 0.61 (Enterprise Value 38.8b / Total Assets 63.6b)
Interest Expense / Debt = 3.86% (Interest Expense 867.3m / Debt 22.5b)
Taxrate = 21.17% (149.9m / 708.2m)
NOPAT = 1.21b (EBIT 1.53b * (1 - 21.17%))
Current Ratio = 0.82 (Total Current Assets 11.7b / Total Current Liabilities 14.2b)
Debt / Equity = 0.97 (Debt 22.5b / totalStockholderEquity, last quarter 23.1b)
Debt / EBITDA = 4.28 (Net Debt 17.1b / EBITDA 3.99b)
Debt / FCF = 20.75 (Net Debt 17.1b / FCF TTM 822.7m)
Total Stockholder Equity = 23.1b (last 4 quarters mean from totalStockholderEquity)
RoA = -1.71% (Net Income -955.9m / Total Assets 63.6b)
RoE = -4.14% (Net Income TTM -955.9m / Total Stockholder Equity 23.1b)
RoCE = 3.43% (EBIT 1.53b / Capital Employed (Equity 23.1b + L.T.Debt 21.5b))
RoIC = 2.42% (NOPAT 1.21b / Invested Capital 49.8b)
WACC = 5.76% (E(21.7b)/V(44.2b) * Re(8.57%) + D(22.5b)/V(44.2b) * Rd(3.86%) * (1-Tc(0.21)))
Discount Rate = 8.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -48.08 | Cagr: 0.32%
[DCF] Terminal Value 73.10% ; FCFF base≈1.67b ; Y1≈1.46b ; Y5≈1.18b
[DCF] Fair Price = 7.21 (EV 19.0b - Net Debt 17.1b = Equity 1.91b / Shares 264.6m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 99.43 | EPS CAGR: 8.48% | SUE: 0.16 | # QB: 0
Revenue Correlation: -30.07 | Revenue CAGR: -1.90% | SUE: 0.22 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.58 | Chg30d=-0.06% | Revisions=-15% | Analysts=30
EPS current Year (2026-12-31): EPS=13.65 | Chg30d=-0.04% | Revisions=-79% | GrowthEPS=+11.7% | GrowthRev=+32.6%
EPS next Year (2027-12-31): EPS=16.04 | Chg30d=+0.29% | Revisions=-31% | GrowthEPS=+17.5% | GrowthRev=+5.3%
[Analyst] Revisions Ratio: -50% (up=7, down=24)