Global Payments (GPN) AI Stock Analysis

• Market Cap: $19.02B
• Dividend Yield: 1.24%
• Average Volume (3M): 2.34M
• Price to Earnings (P/E): 11.3
• Beta (1Y): 1.10
• Revenue Growth: -11.30%
• EPS Growth: 34.28%
• Country: US
• Employees: 27,000
• Sector: Industrials
• Sector Strength: 72
• Industry: Specialty Business Services
• EPS (TTM): 3.26
• Shares Outstanding: 236,743,710
• 10 Day Avg. Volume: 2,193,966
• 30 Day Avg. Volume: 2,339,027
• PEG Ratio: 0.29
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 2.83
• P/FCF Ratio: 9.99
• Enterprise Value/Market Cap: 1.81
• Enterprise Value/Revenue: 3.87
• Enterprise Value/Gross Profit: 5.76
• Enterprise Value/Ebitda: 7.96
• 1Y Price Target: $106.11
• Price Target Upside: 29.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 14
• EPS Forecast (FY): 12.2
• Revenue Forecast (FY): $9.32B

• Rating: 70 Outperform
• Price Target: $87.00 ▲(6.20% Upside)

Global Payments' overall stock score reflects solid financial performance and strategic initiatives, tempered by technical indicators suggesting a bearish trend. The company's valuation appears attractive, and recent corporate events support future growth prospects.

Positive Factors

Strategic Acquisitions

The acquisition of Worldpay strengthens Global Payments' market position by integrating a leading merchant solutions business, enhancing its competitive edge and long-term growth prospects.

Partnership Expansion

Strategic partnerships with major players like PayPal and Google enhance Global Payments' service offerings, improving its market reach and customer value proposition.

Innovative Platform Success

The success of the Genius platform in gaining new locations and increasing recurring revenue demonstrates strong innovation and market demand, supporting sustainable growth.

Negative Factors

Revenue Decline

A declining revenue growth rate can indicate challenges in market expansion or competitive pressures, potentially affecting long-term profitability and market share.

Free Cash Flow Concerns

A decrease in free cash flow growth may limit the company's ability to invest in new opportunities or return capital to shareholders, impacting future financial flexibility.

Mind Share Challenges

Difficulty in gaining market mind share could hinder the company's ability to attract new customers and retain existing ones, affecting long-term competitive positioning.

Global Payments Business Overview & Revenue Model

Company Description

Global Payments Inc. (GPN) is a leading provider of payment technology and software solutions, serving customers in various sectors including retail, hospitality, healthcare, and e-commerce. The company offers a comprehensive suite of services that encompass payment processing, merchant acquiring, and business management solutions. With a focus on innovation and customer experience, Global Payments enables businesses to accept payments, manage transactions, and optimize their financial operations across multiple channels and platforms.

How the Company Makes Money

Global Payments generates revenue primarily through transaction fees charged to merchants for processing payments. The company earns money from several key revenue streams, including payment processing services, where they charge a percentage of the transaction value and/or a flat fee per transaction. Additionally, Global Payments offers value-added services such as fraud detection, analytics, and customer loyalty programs, which contribute to their earnings. Partnerships with financial institutions, technology providers, and other payment networks enhance their capabilities and expand their market reach, further driving revenue growth. The company's diversified customer base and global presence also provide stability and opportunities for increased transactions across various markets.

Global Payments Financial Statement Overview

Summary

Global Payments demonstrates solid financial health with strong profitability and a balanced capital structure. However, recent declines in revenue and free cash flow growth rates pose challenges.

Income Statement

Global Payments shows strong profitability with a consistent EBIT and EBITDA margin, although there is a recent decline in revenue growth rate. The gross profit margin remains robust, indicating efficient cost management. However, the negative revenue growth in the TTM period is a concern.

Balance Sheet

The company maintains a moderate debt-to-equity ratio, suggesting a balanced approach to leverage. Return on equity is improving but remains modest. The equity ratio indicates a solid capital structure, though there is room for enhancing shareholder returns.

Cash Flow

Operating cash flow remains strong relative to net income, but the decline in free cash flow growth is notable. The free cash flow to net income ratio is healthy, reflecting good cash conversion, yet the recent decrease in free cash flow growth rate is a potential risk.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	8.89B	10.11B	9.65B	8.98B	8.52B	7.42B
Gross Profit	5.96B	6.35B	5.93B	5.20B	4.75B	3.77B
EBITDA	4.32B	4.52B	3.74B	2.43B	3.23B	2.69B
Net Income	1.75B	1.57B	986.23M	111.49M	965.46M	584.52M
Balance Sheet
Total Assets	47.96B	46.89B	50.57B	44.81B	45.28B	44.20B
Cash, Cash Equivalents and Short-Term Investments	2.60B	2.54B	2.09B	2.00B	1.98B	1.95B
Total Debt	15.23B	16.82B	17.38B	14.29B	12.08B	9.76B
Total Liabilities	24.46B	23.87B	26.78B	22.27B	19.41B	16.71B
Stockholders Equity	22.67B	22.28B	23.00B	22.30B	25.63B	27.33B
Cash Flow
Free Cash Flow	2.16B	2.86B	1.59B	1.63B	2.29B	1.88B
Operating Cash Flow	2.79B	3.53B	2.25B	2.24B	2.78B	2.31B
Investing Cash Flow	752.36M	-173.89M	-4.36B	-675.54M	-2.29B	-438.34M
Financing Cash Flow	-3.74B	-2.77B	2.14B	-1.38B	-405.37M	-1.55B

Global Payments Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 81.92
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GPN, the sentiment is Positive. The current price of 81.92 is above the 20-day moving average (MA) of 75.99, above the 50-day MA of 80.32, and below the 200-day MA of 83.00, indicating a neutral trend. The MACD of 0.31 indicates Negative momentum. The RSI at 62.07 is Neutral, neither overbought nor oversold. The STOCH value of 79.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GPN.

Global Payments Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MMS	74 Outperform	$4.57B	15.23	18.14%	1.41%	2.36%	11.30%
LZ	72 Outperform	$1.74B	79.74	16.96%	―	7.17%	-5.86%
GPN	70 Outperform	$19.02B	11.27	6.72%	1.24%	-11.30%	34.28%
ABM	66 Neutral	$2.81B	24.94	6.32%	2.25%	4.27%	-24.06%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
ACTG	63 Neutral	$316.34M	―	0.90%	―	71.28%	-89.20%
CASS	60 Neutral	$561.97M	18.46	11.44%	2.86%	-4.96%	39.42%

Global Payments Corporate Events

Global Payments Completes $6.2 Billion Senior Notes Offering

On November 14, 2025, Global Payments Inc. completed a public offering of senior notes totaling $6.2 billion to finance its acquisition of Worldpay Holdco, LLC. The proceeds will be used for acquisition-related expenses, debt repayment, and general corporate purposes, potentially strengthening the company’s market position in the payment processing sector.

Global Payments Announces $6.2 Billion Senior Notes Offering

On November 6, 2025, Global Payments Inc. entered into an Underwriting Agreement with several underwriters, including J.P. Morgan Securities LLC, BofA Securities, Inc., and Barclays Capital Inc., to issue and sell $6.2 billion in aggregate principal amount of senior notes due between 2028 and 2035. The public offering is expected to close on November 14, 2025, pending customary closing conditions, and is part of the company’s strategic financial initiatives to strengthen its market position.

Global Payments Announces Acquisition of Worldpay Holdco

On April 17, 2025, Global Payments Inc. announced definitive agreements to acquire Worldpay Holdco, LLC from Fidelity National Information Services, Inc. and affiliates of GTCR LLC, while simultaneously divesting its Issuer Solutions business to FIS. This strategic move is subject to regulatory approvals and customary closing conditions, and it aims to enhance Global Payments’ market position by integrating Worldpay’s merchant solutions business.

Global Payments Recasts Financials Amid Worldpay Acquisition

Global Payments Inc. announced the recasting of its financial information to reflect the presentation of its Issuer Solutions business as a discontinued operation, following its agreement to acquire Worldpay and divest its Issuer Solutions business to FIS. These transactions, expected to close in the first quarter of 2026, will impact the company’s financial disclosures and operations, with the Issuer Solutions business excluded from continuing operations. Additionally, the company has made changes to its cash flow presentation and disaggregated revenues in its Merchant Solutions segment, although these changes do not affect the overall financial statements.

Global Payments Expands Board with Two New Directors

On September 24, 2025, Global Payments Inc. expanded its Board of Directors from 10 to 12 members, appointing Patricia ‘Patty’ Watson and Archana ‘Archie’ Deskus as new directors. Both bring extensive experience in financial technology and payments, enhancing the company’s strategic direction. The company also announced plans to appoint another independent director by or immediately after the 2026 annual meeting, in collaboration with Elliott Investment Management. Additionally, a new Integration Committee will be established to oversee the integration of Worldpay, following its pending acquisition, aiming to maximize transaction value and shareholder returns.