Stock Analysis
Global Payments, Inc.GPN
Sector: Financial Services · Industry: Credit Services
AnalystsHold39 analystsPrice is 66% of the way from the year's low to its high.
Cash covers 39% of debt · FY 2025.
PMP Verdict
Cheap for a reason — weak fundamentals
Risks
- Profitability17
- Growth32
Cheap for a reason — fundamentals remain weak.
What's happening with GPN
Profile
profitability, growth, earnings quality, financial health and valuation lag behind.
How is each axis scored?
- Valuation47/100 · Weak
- P/E vs own history (n/a)10/25
- FCF yield (3.8%)12/25
- P/S (2.1x)20/25
- EV/EBIT (27.4x)5/25
- Growth32/100 · Weak
- Revenue CAGR (-2.5%)0/25
- Net income CAGR (9.7%)12/25
- EPS CAGR 5Y (15.1%)20/25
- Fwd implied growth (n/a)0/25
- Profitability17/100 · Weak
- ROIC (2.8%)5/25
- ROE (-4.1%)0/25
- Net margin (-9.1%)0/25
- Operating margin (12.4%)12/25
- Financial Health43/100 · Weak
- Altman Z (0.94)3/25
- Current ratio (1.69)18/25
- Interest coverage (3.6x)10/25
- Net cash / debt (D/A 25%)12/25
- Quality41/100 · Weak
- Piotroski F (6/9)15/25
- Beneish M (-1.42)6/25
- FCF conversion (n/a)0/25
- Margin stability (σ 6.6%)20/25
- Moat62/100 · Moderate
- ROIC >12% years (0/9 yrs)0/25
- Median gross margin (57.9%)25/25
- FCF-positive years (9/9 yrs)25/25
- Worst-year net margin (worst 1.2%)12/25
Risk Flags
- ⚠Altman Z 0.9 — distress-zone balance sheet
- ⚠Beneish M -1.42 — earnings-manipulation flag
- ⚠Revenue shrinking 2.5%/yr
About Global Payments, Inc.
Global Payments is a leading provider of payment processing and software solutions and historically focused on serving small and midsize merchants. Show more
The Worldpay acquisition pushes the company into the large merchant space and expands the company's international operations. Following the Worldpay acquisition, the company will process about $4 trilliion in payment volume.
Headquarters: ATLANTA, GA · Employees: 26,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
47D+P/E (TTM)—
Price / TTM EPS (own statements)
P/FCF16.0xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative · Elevated investment — CapEx = 50% of operating cash flow, weighing on reported FCF
FCF Yield3.8%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 3.3%–16.4% · 7th pct · Elevated investment — CapEx = 50% of operating cash flow, weighing on reported FCF
P/S (TTM)2.12xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.9x–6.2x · 8th pct
EV/EBIT27.4xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 12.0x–85.4x · 56th pct
EV/Sales3.9xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E5.5xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.95xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.38C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.15%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio21.2%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Elevated investment: Elevated investment — CapEx = 50% of operating cash flow, weighing on reported FCF
Profitability
17EROIC2.8%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE-4.1%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA-1.6%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin-9.1%D
Grade D: LowNet Income / Revenue
Operating Margin12.4%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin63.9%A
Grade A: PremiumGross Profit / Revenue
FCF Margin8.0%C
Grade C: AverageFCF / Revenue · Elevated investment — CapEx = 50% of operating cash flow, weighing on reported FCF
True FCF Margin6.8%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost · Elevated investment — CapEx = 50% of operating cash flow, weighing on reported FCF
Growth
32DRevenue CAGR-2.5%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR9.7%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)15.1%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth—
Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-10.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.3%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
43D+Altman Z-Score0.94D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.69xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio0.79xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage3.6xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment16.0yD
Grade D: SlowYears to repay net debt via FCF · Elevated investment — CapEx = 50% of operating cash flow, weighing on reported FCF
Net Debt/EBIT10.3xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity0.94xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.39xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
41D+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-1.42D
Grade D: RiskyEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income · Elevated investment — CapEx = 50% of operating cash flow, weighing on reported FCF
Margin Stability6.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue8.2%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.18xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Cortopassi Robert M Filed | Cortopassi Robert M | Tax withholding | -825 | |
Cortopassi Robert M Filed | Cortopassi Robert M | Tax withholding | -2955 | |
Bready Cameron M Filed | Bready Cameron M | Option exercise | -9703 | |
Bready Cameron M Filed | Bready Cameron M | Tax withholding | -8871 | |
Bready Cameron M Filed | Bready Cameron M | Option exercise | +9.7K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Bready Cameron M Filed | Bready Cameron M | Tax withholding | -2297 | |
Steele-Belkin Dara L. Filed | Steele-Belkin Dara L. | Tax withholding | -2254 | |
Osnoss Joseph Filed | Osnoss Joseph | Grant / award | +3.2K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
62BROIC >12% Years0/9 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)57.9%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/9 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor1.2%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)—
TTM net income per share (Finnhub fallback)
Cash / Share$20.35
Cash & short-term investments per share (Finnhub)
Book Value / Share$86.94
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$21.46B
Total debt obligations (short + long term)
Cash & Equiv.$8.34B
Cash and short-term investments
Net Debt$13.13B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$22.89B
Shareholders' equity (book value)
Asset / Liability1.80xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$21.68B
Current Market Capitalization
Beta0.87B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: Global Payments, Inc. (GPN)
GPN is down 0.59% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Global Payments, Inc.. Altman Z-Score of 0.94 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -1.42 is above the −1.78 flag threshold, a signal that reported earnings warrant closer scrutiny.
- Revenue has been contracting (CAGR ≈ -2%), which weighs on the growth outlook.
- Takes ~16.0 years to repay net debt from free cash flow.
See how GPN ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all GPN moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 84.22 | +4.12% | 2.54 |
| Oct 15 | After-hours | 84.18 | +4.07% | 2.51 |
| Oct 5 | Regular | 81.90 | +4.49% | 3.28 |
| Oct 5 | After-hours | 83.00 | +5.89% | 4.11 |
Frequently Asked Questions about GPN
What is the current Global Payments, Inc. (GPN) stock price?
GPN is trading at $83.67 at the last market close, down 0.59% on the session. PreMarketPrice tracks GPN pre-market, intraday and after-hours prices.
Is GPN stock a buy right now?
PreMarketPrice's quantitative model rates Global Payments, Inc.'s financial health at 43/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is GPN stock overvalued?
Global Payments, Inc. trades at a trailing P/E of n/a and our valuation score rates it 47/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Global Payments, Inc. report earnings?
No confirmed earnings date is currently scheduled for GPN. The Earnings section lists recent reports and updates as dates are announced.
What sector does Global Payments, Inc. operate in?
Global Payments, Inc. operates in the Financial Services sector, within the Credit Services industry. The Related Stocks section lists sector peers for comparison.
What does Global Payments, Inc. do?
Global Payments is a leading provider of payment processing and software solutions and historically focused on serving small and midsize merchants.
About Global Payments, Inc. (GPN) Stock
Global Payments, Inc. (GPN) is a US-listed stock operating in the Financial Services sector, specifically the Credit Services industry. As of the latest update, Global Payments, Inc. is trading at $83.67, down 0.59% on the day with a market capitalization of $21.7 billion. The financial health score for GPN is 43/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for GPN stock.
GPN Stock Analysis & Key Metrics
On PreMarketPrice, you can track Global Payments, Inc. (GPN) across multiple dimensions:
- Pre-market price & movement: Real-time GPN stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for GPN with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Global Payments, Inc. across multiple reporting periods.
- Financial health score: A composite score of 43/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for GPN.
- Sector peers: Compare GPN against 6 other financial services stocks on key financial metrics.
Is GPN a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Global Payments, Inc. (GPN) as an investment. The financial health score of 43/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Global Payments, Inc. (GPN) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.