Global Payments (GPN) AI Stock Analysis

• Market Cap: $18.34B
• Dividend Yield: 1.25%
• Average Volume (3M): 2.62M
• Price to Earnings (P/E): 10.9
• 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: 280,011,750
• 10 Day Avg. Volume: 2,965,817
• 30 Day Avg. Volume: 2,623,092
• 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: 1.87
• Enterprise Value/Revenue: 3.87
• Enterprise Value/Gross Profit: 5.76
• Enterprise Value/Ebitda: 7.96
• 1Y Price Target: $100.71
• Price Target Upside: 34.30% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 19
• EPS Forecast (FY): 13.59
• Revenue Forecast (FY): $9.71B

• Rating: 68 Neutral
• Price Target: $86.00 ▲(14.68% Upside)

The score is driven primarily by solid underlying financial performance (strong margins and cash conversion but weaker recent growth). Valuation is supportive with a low P/E, while technical indicators are mixed-to-soft. Earnings call execution trends were positive (growth, margin expansion, cash flow and deleveraging), and the Worldpay/Issuer Solutions transactions improve strategic focus but introduce integration and debt-related execution risk.

Positive Factors

Scale and Market Position

Closing Worldpay materially enlarges Global Payments' merchant footprint and geographic reach, creating durable scale across Enterprise, SMB and Platform channels. The enlarged platform improves distribution, cross-sell potential and long-term pricing power while enabling >$1B annual innovation investment.

Cash Generation and Conversion

High adjusted free cash flow and near-complete conversion from net income underpin resilient internal funding for capex, share repurchases and debt paydown. Strong cash conversion supports the company's ability to sustain investment, deleverage and maintain investment-grade credit targets over the medium term.

Platform and Partnerships

Meaningful growth in Genius new-location sales and MRR signals durable platform adoption. Combined with strategic partnerships (e.g., Google, PayPal), this strengthens product-led revenue streams, recurring economics and differentiation versus competitors if organic migration and partner distribution continue expanding.

Negative Factors

Acquisition Financing and Leverage

Large debt issuance materially increases gross leverage and interest expense near-term, concentrating execution risk on integration and synergy capture. Failing to achieve targeted cost and cash synergies would pressure the leverage-reduction plan and constrain strategic flexibility over the next 18–36 months.

Recent Revenue Contraction

Negative trailing revenue growth indicates persistent top-line pressure, partly from dispositions and slower organic momentum. Sustained top-line weakness can limit margin expansion and cash-flow upside, increasing reliance on acquisitions and cost efficiencies to drive durable revenue and earnings improvement.

Mind-Share and Back-Book Migration

Low back-book migration constrains the recurring revenue upside and upsell economics of the Genius platform. Reliance on new-location wins raises customer acquisition costs and slows realization of integration synergies, making long-term margin and revenue targets harder to achieve without stronger retention and migration.

Global Payments Business Overview & Revenue Model

Company Description

Global Payments Inc. provides payment technology and software solutions for card, electronic, check, and digital-based payments in the Americas, Europe, and the Asia-Pacific. It operates through three segments: Merchant Solutions, Issuer Solutions, and Business and Consumer Solutions. The Merchant Solutions segment offers authorization services, settlement and funding services, customer support and help-desk functions, chargeback resolution, terminal rental, sales and deployment, payment security services, consolidated billing and statements, and on-line reporting services. This segment also provides an array of enterprise software solutions that streamline business operations of its customers in various vertical markets; and value-added services, such as point-of-sale solutions, and analytic and engagement tools, as well as payroll and human capital management services. The Issuer Solutions segment offers solutions that enable financial institutions and retailers to manage their card portfolios through a platform; and commercial payments and ePayables solutions for businesses and governments. The Business and Consumer Solutions segment provides general-purpose reloadable prepaid debit and payroll cards, demand deposit accounts, and other financial service solutions to the underbanked and other consumers, and businesses under the Netspend brand. It markets its products and services through direct sales force, trade associations, agent and enterprise software providers, referral arrangements with value-added resellers, and independent sales organizations. The company was founded in 1967 and is headquartered in Atlanta, Georgia.

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: Negative
• Last Price: 74.99
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 74.99 is below the 20-day moving average (MA) of 78.99, below the 50-day MA of 77.61, and below the 200-day MA of 80.69, indicating a bearish trend. The MACD of -0.53 indicates Positive momentum. The RSI at 37.20 is Neutral, neither overbought nor oversold. The STOCH value of 36.03 is Neutral, 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
MMS	74 Outperform	$5.23B	17.43	18.14%	1.38%	2.36%	11.30%
LZ	72 Outperform	$1.64B	74.12	16.96%	―	7.17%	-5.86%
ABM	69 Neutral	$2.65B	16.98	9.10%	2.20%	4.62%	102.72%
CASS	69 Neutral	$553.07M	18.17	11.44%	2.98%	-4.96%	39.42%
GPN	68 Neutral	$18.34B	10.87	6.72%	1.25%	-11.30%	34.28%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
ACTG	63 Neutral	$368.48M	75.86	0.90%	―	71.28%	-89.20%

Global Payments Corporate Events

Global Payments Completes Transformative Worldpay Acquisition and Divestiture

On January 12, 2026, Global Payments completed its acquisition of Worldpay from FIS and GTCR and the divestiture of its Issuer Solutions business to FIS, reshaping the company into a pure-play commerce solutions provider focused on merchants ranging from small businesses to global enterprises. The transactions significantly expand Global Payments’ scale and reach, with the combined company now serving over 6 million merchant locations and processing $3.7 trillion in payment volume and roughly 94 billion transactions a year across more than 175 countries; the firm will go to market via three dedicated channels—Enterprise, SMB, and Integrated & Platforms—and expects the enlarged platform, enhanced distribution and integration synergies to strengthen free cash flow, support more than $1 billion in annual innovation investment and underpin plans to maintain investment-grade credit ratings while reducing adjusted net leverage to 3.0x within 18 to 24 months. In connection with the deal, GTCR now holds about 15.45% of Global Payments’ common stock as of December 31, 2025, under a shareholders agreement that imposes a staged lock-up on share sales, standstill limits on increasing its stake above current levels, and grants it information and preemptive rights, alongside a registration rights agreement that facilitates future liquidity for GTCR’s equity position.

The most recent analyst rating on (GPN) stock is a Hold with a $75.00 price target. To see the full list of analyst forecasts on Global Payments stock, see the GPN Stock Forecast page.

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.

The most recent analyst rating on (GPN) stock is a Hold with a $84.00 price target. To see the full list of analyst forecasts on Global Payments stock, see the GPN Stock Forecast page.

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.

The most recent analyst rating on (GPN) stock is a Hold with a $84.00 price target. To see the full list of analyst forecasts on Global Payments stock, see the GPN Stock Forecast page.

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.

The most recent analyst rating on (GPN) stock is a Hold with a $95.00 price target. To see the full list of analyst forecasts on Global Payments stock, see the GPN Stock Forecast page.

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.

The most recent analyst rating on (GPN) stock is a Hold with a $95.00 price target. To see the full list of analyst forecasts on Global Payments stock, see the GPN Stock Forecast page.