Global Payments (GPN) AI Stock Analysis

• Market Cap: $18.87B
• Dividend Yield: 1.29%
• Average Volume (3M): 2.07M
• Price to Earnings (P/E): 13.6
• Beta (1Y): 1.17
• Revenue Growth: -4.17%
• EPS Growth: 4.76%
• Country: US
• Employees: 27,000
• Sector: Industrials
• Sector Strength: 72
• Industry: Specialty Business Services
• EPS (TTM): 3.10
• Shares Outstanding: 242,607,100
• 10 Day Avg. Volume: 1,929,169
• 30 Day Avg. Volume: 2,067,562
• 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: 1.82
• Enterprise Value/Revenue: 3.62
• Enterprise Value/Gross Profit: 5.57
• Enterprise Value/Ebitda: 8.41
• 1Y Price Target: $101.15
• Price Target Upside: 30.08% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17

• Rating: 71 Outperform
• Price Target: $88.00 ▲(13.17% Upside)

Global Payments' strong earnings call and solid financial performance are the primary drivers of its stock score. While technical indicators suggest a bearish trend, the company's strategic initiatives and reasonable valuation provide a positive outlook. The absence of significant corporate events further emphasizes the importance of financial and strategic factors in the overall assessment.

Positive Factors

Strategic Acquisitions

The acquisition of Worldpay enhances Global Payments' market position and expands its service offerings, potentially driving long-term growth.

Platform Launch Success

The Genius platform's strong initial demand indicates effective product innovation, supporting sustained revenue growth and competitive advantage.

Capital Return Strategy

The share repurchase program reflects strong cash generation and management's commitment to enhancing shareholder value over the long term.

Negative Factors

Revenue Decline

A decline in revenue poses challenges to growth and may indicate competitive pressures or market saturation, impacting future performance.

Sales Force Transition

Challenges in sales force transition could disrupt sales operations and affect revenue generation, impacting short- to medium-term growth.

Macro Environment Concerns

Uncertain macroeconomic conditions can affect consumer spending and transaction volumes, posing risks to revenue stability and growth.

Global Payments Business Overview & Revenue Model

Company Description

Global Payments Inc. (GPN) is a leading provider of payment technology and services, specializing in enabling merchants and financial institutions to process transactions securely and efficiently. The company operates in sectors including point-of-sale solutions, software integration, and e-commerce payments. Global Payments offers a comprehensive suite of products and services that encompass payment processing, risk management, and fraud prevention, catering to a diverse clientele ranging from small businesses to large enterprises across various industries worldwide.

How the Company Makes Money

Global Payments generates revenue primarily through transaction-based fees charged to merchants for processing payments, which includes credit card, debit card, and electronic payments. The company earns additional income from value-added services such as fraud detection and prevention solutions, which help clients mitigate risks associated with payment processing. Furthermore, Global Payments has established significant partnerships with financial institutions, technology providers, and e-commerce platforms, enhancing its service offerings and expanding its customer base. The company's revenue model is bolstered by recurring relationships with clients, enabling consistent cash flow and steady growth through ongoing transaction volumes.

Global Payments Financial Statement Overview

Summary

Global Payments exhibits solid profitability with strong EBIT and EBITDA margins, efficient cash flow management, and a stable balance sheet. However, the recent revenue decline poses a challenge, and there is room for improvement in shareholder returns.

Income Statement

Global Payments shows strong profitability with a solid gross profit margin of 65% and a net profit margin of 15.07% in the TTM. However, the company experienced a revenue decline of 6.06% in the TTM, indicating potential challenges in maintaining growth. The EBIT and EBITDA margins remain robust at 25.12% and 43.48%, respectively, showcasing efficient operational management.

Balance Sheet

The company's balance sheet reflects a moderate debt-to-equity ratio of 0.74, indicating a balanced approach to leveraging. The return on equity is relatively low at 6.36%, suggesting room for improvement in generating returns for shareholders. The equity ratio stands at 46.56%, indicating a stable capital structure.

Cash Flow

Global Payments demonstrates strong cash flow management with a free cash flow growth rate of 3.57% in the TTM. The operating cash flow to net income ratio is 0.46, and the free cash flow to net income ratio is 0.83, indicating efficient cash conversion and a healthy cash flow position.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.49B	10.11B	9.65B	8.98B	8.52B	7.42B
Gross Profit	6.17B	6.35B	5.93B	5.20B	4.75B	3.77B
EBITDA	4.09B	4.37B	3.61B	2.34B	3.07B	2.55B
Net Income	1.43B	1.57B	986.23M	111.49M	965.46M	584.52M
Balance Sheet
Total Assets	48.52B	46.89B	50.57B	44.81B	45.28B	44.20B
Cash, Cash Equivalents and Short-Term Investments	2.61B	2.54B	2.09B	2.00B	1.98B	1.95B
Total Debt	16.65B	16.82B	17.38B	14.29B	12.08B	9.76B
Total Liabilities	25.10B	23.87B	26.78B	22.27B	19.41B	16.71B
Stockholders Equity	22.59B	22.28B	23.00B	22.30B	25.63B	27.33B
Cash Flow
Free Cash Flow	2.94B	2.86B	1.59B	1.63B	2.29B	1.88B
Operating Cash Flow	3.57B	3.53B	2.25B	2.24B	2.78B	2.31B
Investing Cash Flow	46.60M	-173.89M	-4.36B	-675.54M	-2.29B	-438.34M
Financing Cash Flow	-2.73B	-2.77B	2.14B	-1.38B	-405.37M	-1.55B

Global Payments Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 77.76
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GPN, the sentiment is Negative. The current price of 77.76 is below the 20-day moving average (MA) of 85.15, below the 50-day MA of 85.93, and below the 200-day MA of 87.31, indicating a bearish trend. The MACD of -1.34 indicates Positive momentum. The RSI at 33.09 is Neutral, neither overbought nor oversold. The STOCH value of 3.96 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GPN.

Global Payments Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GPN	―	$18.87B	13.60	6.21%	1.29%	-4.17%	4.76%
Sector *	―	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
CASS	―	$522.43M	16.99	11.44%	3.26%	-6.85%	39.42%

Global Payments Corporate Events

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.

The most recent analyst rating on (GPN) stock is a Hold with a $87.00 price target. To see the full list of analyst forecasts on Global Payments stock, see the GPN Stock Forecast page.

Global Payments’ Earnings Call Highlights Robust Growth and Strategic Moves

Global Payments’ latest earnings call conveyed a generally positive sentiment, underscoring strong financial performance and successful strategic initiatives. The company demonstrated resilience with robust product launches and a transformative sales force strategy. However, the call also acknowledged the challenges posed by an uncertain macroeconomic environment and its impact on consumer sentiment. A temporary pause in buying behavior was noted, attributed to anticipation surrounding the Genius platform launch, but this is expected to be short-lived.

Global Payments Launches $500 Million Share Buyback

On August 6, 2025, Global Payments Inc. initiated an accelerated share repurchase program to buy back $500 million of its common stock, as part of its ongoing share repurchase initiative. This move is expected to impact the company’s stock valuation positively, with the final settlement of the repurchase anticipated by September 30, 2025, reflecting a strategic effort to enhance shareholder value.

The most recent analyst rating on (GPN) stock is a Hold with a $118.00 price target. To see the full list of analyst forecasts on Global Payments stock, see the GPN Stock Forecast page.

Global Payments Reports Strong Q2 2025 Results

Global Payments Inc., a leading provider of payment technology and software solutions, operates in the financial services sector, enabling commerce for businesses worldwide. The company is headquartered in Georgia and is a member of the S&P 500.