(GPN) Global Payments - Ratings and Ratios
Payment, Processing, Software, Enterprise, Card
Dividends
| Dividend Yield | 1.22% |
| Yield on Cost 5y | 0.54% |
| Yield CAGR 5y | 6.41% |
| Payout Consistency | 90.1% |
| Payout Ratio | 8.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 32.7% |
| Value at Risk 5%th | 47.4% |
| Relative Tail Risk | -12.03% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.74 |
| Alpha | -45.19 |
| CAGR/Max DD | -0.07 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.408 |
| Beta | 1.252 |
| Beta Downside | 1.386 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.88% |
| Mean DD | 20.16% |
| Median DD | 18.56% |
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.
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 |
| (C) 0.05 = EBIT TTM 2.64b / Avg Total Assets 48.97b |
| (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) 63.45
| 1. Piotroski 6.50pt |
| 2. FCF Yield 6.88% |
| 3. FCF Margin 24.31% |
| 4. Debt/Equity 0.67 |
| 5. Debt/Ebitda 2.92 |
| 6. ROIC - WACC (= -1.37)% |
| 7. RoE 7.79% |
| 8. Rev. Trend -22.71% |
| 9. EPS Trend 91.55% |
What is the price of GPN shares?
Over the past week, the price has changed by +4.38%, over one month by +6.35%, over three months by -3.57% and over the past year by -28.13%.
Is GPN a buy, sell or hold?
- 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 | 26.7% |
| Analysts Target Price | 104 | 26.7% |
| ValueRay Target Price | 78.4 | -4.5% |
GPN Fundamental Data Overview December 11, 2025
P/E Trailing = 11.7602
P/E Forward = 5.777
P/S = 1.866
P/B = 0.8137
P/EG = 0.5398
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 = 31.43b USD (18.80b + Debt 15.23b - CCE 2.60b)
Interest Coverage Ratio = 4.52 (Ebit TTM 2.64b / Interest Expense TTM 583.1m)
FCF Yield = 6.88% (FCF TTM 2.16b / Enterprise Value 31.43b)
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 = 0.66 (Enterprise Value 31.43b / 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 = 6.12% (E(18.80b)/V(34.03b) * Re(10.63%) + D(15.23b)/V(34.03b) * 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: 91.55 | EPS CAGR: 12.02% | SUE: 1.10 | # QB: 2
Revenue Correlation: -22.71 | Revenue CAGR: -2.34% | SUE: -0.73 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.00 | Chg30d=+0.012 | Revisions Net=-2 | Analysts=20
EPS next Year (2026-12-31): EPS=13.65 | Chg30d=+0.044 | Revisions Net=+1 | Growth EPS=+11.8% | Growth Revenue=+4.3%
Additional Sources for GPN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle