GPN Stock Analysis: Global Payments | NYSE
Specialty Business Services | NYSE, USA | Market Cap: 25.094m USD | 12M Return: 6% | US37940X1028 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 269M
EPS Trend: 99.4%
Qual. Beats: 0
Rev. Trend: -30.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 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 payment technology and software provider headquartered in Atlanta, Georgia, and founded in 1967. The company operates across the Americas, Europe, and Asia-Pacific, offering card, check, and digital-based payment processing services including authorization, settlement, funding, chargeback resolution, reconciliation, payment security, and consolidated billing and reporting.
In addition to core payment processing, Global Payments supplies enterprise software solutions tailored to various vertical markets, along with value-added offerings such as point-of-sale software, analytics and customer engagement tools, payroll and reporting, and human capital management services.
The company distributes its products through multiple channels, including a direct sales force, trade associations, agent and enterprise software providers, value-added resellers, independent sales organizations, payment facilitators, and financial institutions. It is classified within the GICS Transaction & Payment Processing Services sub-industry, a sector characterized by high transaction volumes, recurring revenue streams, and consolidation among a small number of large-scale processors that serve merchants, banks, and software platforms globally.
- Consumer spending trends drive merchant transaction volume growth
- Acquisition debt burden pressures margins amid elevated rates
- European operations face currency headwinds from strong dollar
| 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 (3.60b): 4.75 < 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: 1.39 > 6 (EBIT TTM 1.21b / 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: 0.02 (EBIT TTM 1.21b / Avg Total Assets 56.0b) |
| D: 0.58 (Book Value of Equity 23.1b / Total Liabilities 39.6b) |
| Altman-Z'' = 0.71 = 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 August 19, 2026, the stock is trading at USD 90.37 with a total of 1,442,448 shares traded. Over the past week, the price has changed by +5.25%, over one month by +9.71%, over three months by +32.11% and over the past year by +6.01%.
Current recommended Stop Loss: 86.20 (which is 4.6% or 1.2 ATR below the current price).
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 | 101.5 | 12.3% |
P/E Trailing = 41.9602
P/E Forward = 6.3331
P/S = 2.4585
P/B = 0.9862
P/EG = 0.2464
Revenue TTM = 10.2b USD
EBIT TTM = 1.21b USD
EBITDA TTM = 3.60b 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 = 42.2b USD (25.1b + Debt 22.5b - CCE 5.41b)
Interest Coverage Ratio = 1.39 (Ebit TTM 1.21b / Interest Expense TTM 867.3m)
EV/FCF = 51.25x (Enterprise Value 42.2b / FCF TTM 822.7m)
FCF Yield = 1.95% (FCF TTM 822.7m / Enterprise Value 42.2b)
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 = 0.66 (Enterprise Value 42.2b / Total Assets 63.6b)
Interest Expense / Debt = 3.86% (Interest Expense 867.3m / Debt 22.5b)
Taxrate = 21.17% (149.9m / 708.2m)
NOPAT = 952.4m (EBIT 1.21b * (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 = 4.75 (Net Debt 17.1b / EBITDA 3.60b)
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 = 2.71% (EBIT 1.21b / Capital Employed (Equity 23.1b + L.T.Debt 21.5b))
RoIC = 1.91% (NOPAT 952.4m / Invested Capital 49.8b)
WACC = 6.17% (E(25.1b)/V(47.6b) * Re(8.97%) + D(22.5b)/V(47.6b) * Rd(3.86%) * (1-Tc(0.21)))
Discount Rate = 8.97% (= 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=3.59 | Chg30d=-1.92% | Revisions=-36% | Analysts=28
EPS current Year (2026-12-31): EPS=13.70 | Chg30d=-0.87% | Revisions=-80% | GrowthEPS=+12.1% | GrowthRev=+32.6%
EPS next Year (2027-12-31): EPS=15.93 | Chg30d=-1.31% | Revisions=-53% | GrowthEPS=+16.3% | GrowthRev=+5.3%
[Analyst] Revisions Ratio: -66% (up=5, down=30)