Global Payments (GPN) AI Stock Analysis

• Market Cap: $17.23B
• Dividend Yield: 1.26%
• Average Volume (3M): 2.13M
• Price to Earnings (P/E): 10.2
• Beta (1Y): 1.11
• 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: 1,883,602
• 30 Day Avg. Volume: 2,129,296
• 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: 1.99
• Enterprise Value/Revenue: 3.87
• Enterprise Value/Gross Profit: 5.76
• Enterprise Value/Ebitda: 7.96
• 1Y Price Target: $106.11
• Price Target Upside: 45.76% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 14
• EPS Forecast (FY): 12.2
• Revenue Forecast (FY): $9.31B

• Rating: 68 Neutral
• Price Target: $84.00 ▲(15.38% Upside)

Global Payments' strong earnings call performance and attractive valuation are offset by weak technical indicators and challenges in revenue and cash flow growth. The company's strategic initiatives and partnerships offer potential for future growth, but current market sentiment remains cautious.

Positive Factors

Strategic Acquisitions

The Worldpay acquisition positions Global Payments as a pure-play merchant solutions provider, enhancing its competitive edge and market reach.

Genius Platform Success

The growth of the Genius platform indicates strong market adoption and potential for increased recurring revenue, supporting long-term financial stability.

Strong Cash Flow

Robust cash flow generation and shareholder returns reflect financial health and the ability to invest in growth opportunities, enhancing long-term value.

Negative Factors

Revenue Decline

Declining revenue growth can hinder the company's ability to expand and compete effectively, affecting future profitability and market position.

Mind Share Challenges

Difficulty in gaining market mind share may limit customer acquisition and retention, impacting long-term growth and competitive positioning.

Limited Customer Migration

Limited migration of existing customers to new platforms could slow growth and reduce the efficiency of strategic initiatives aimed at expanding market share.

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-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 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: 72.80
• 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 72.8 is below the 20-day moving average (MA) of 76.21, below the 50-day MA of 82.13, and below the 200-day MA of 84.59, indicating a bearish trend. The MACD of -3.03 indicates Positive momentum. The RSI at 35.00 is Neutral, neither overbought nor oversold. The STOCH value of 22.15 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
GPN	68 Neutral	$17.23B	10.22	6.72%	1.26%	-11.30%	34.28%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
CASS	60 Neutral	$540.77M	17.76	11.44%	3.26%	-4.96%	39.42%

Global Payments Corporate Events

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 Reports Strong Q3 2025 Results

Global Payments Inc., a prominent player in the financial technology sector, specializes in providing payment technology and software solutions to businesses worldwide. The company is headquartered in Georgia and is a member of the S&P 500.

Global Payments’ Earnings Call Highlights Growth and Strategic Moves

Global Payments’ recent earnings call conveyed a generally positive sentiment, highlighting strong financial performance and strategic initiatives poised to enhance future growth. The company showcased its robust growth trajectory, though it acknowledged challenges in market penetration and customer migration.

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.

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.