Global Payments Inc (GPN)
Financials · Transaction & Payment Processing Services · US stock · S&P 500 component
$83.67
▼ -0.50 (0.59%)
Fair valueOvervalued
$49 −41.5% to fair value
$24fair band $34–$64$73
Day's range
$82.69 – $85.67
52-week range
$60.75 – $95.61
About Global Payments Inc
Merchants and financial institutions are the customers of Global Payments, which provides payment technology and software. Its services include card acceptance, payment processing, point-of-sale systems and business management software, and it also supports banks with processing services. Customers range from small local businesses to large retailers, restaurants and online merchants. It serves them across many countries through a mix of direct sales and partnerships.
Fees on the payments it processes, together with software subscriptions and related services, generated revenue of $10.2 billion over the last twelve months. Revenue has grown at 4.1% a year across the last three years. The operating margin is 12.4%, the business earns 3% on the capital invested in it, and net debt is 4.6 times EBITDA. The dividend yield is 1.2%. On the site's X-Ray Score it receives 22 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $60.75 – $95.61Volume 2,664,485Daily, split-adjusted
Vitals
Market cap$22.6B
52-week range$60.75 – $95.61
Volume (last day)2,664,485
P/E (TTM)–
EBIT / EV yield3.2%
Free-cash-flow yield3.6%
Dividend yield1.2%
Revenue (TTM)$10.2B
Net income (TTM)−$934M
Operating margin12.4%
Return on capital2.8%
Debt incl. leases$22.4B
Cash & securities$5.4B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$49model spread $49 – $49
Overvalued
−41.5% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $84
Undervalued < $34Fair $34 – $64Overvalued > $64
10-year DCF (market-scaled)
$-22
Peer multiples
$48
Earnings power floor (not blended)
$7
Fundamentals-adjusted multiple
$50
Growth the price implies
19.2%/yr
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, priced high
Our models put fair value below today's price, so a lot of good news may already be in the price. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Weak
15/100
Expensive against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield3.2%
Free-cash-flow yield3.6%
Fair value vs price0.6×
Growth
Weak
34/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)4.1%
EPS growth (3y)143.6%
Growth consistency40%
Profitability
Weak
28/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital2.8%
Operating margin12.4%
Gross profitability10.3%
Financial health
Weak
14/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score5 / 9
Net debt / EBITDA4.6×
Interest cover1.5×
Dividends
Weak
17/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.2%
Dividends vs free cash flow33%
Dividend growth-4.5%
Quarterly results: last 6 quarters
-0.8%
Mar '25
-0.1%
Jun '25
+0.5%
Sep '25
0.0%
Dec '25
+63.1%
Mar '26
+68.6%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $3.3B, diluted EPS $0.05.
Compare with peers
JKHY Jack Henry & Associate...65 PYPL PayPal Holdings, Inc.65 MA Mastercard Inc60 CPAY Corpay, Inc.54Other Transaction & Payment Processing Services companies by X-Ray Score.
Fundamentals checklist
● 2 Good · ● 0 Average · ● 14 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldBad
Risk models
Altman Z''Bad
Piotroski F-ScoreBad
Growth
EPS growth (3y)Good
Free-cash-flow growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Current ratioBad
Net debt / EBITDABad
Interest coverBad
Valuation
Fair value vs priceBad
EBIT / EV yieldBad
Profitability
Return on invested capitalBad
Operating marginBad
Gross profitabilityBad
Each check is graded against the company's sector, not a fixed number. Checklist score 24/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $8.5B | $6.8B | $7.4B | $7.7B | $7.7B |
| Operating income | $1.4B | $310M | $1.3B | $2.0B | $1.8B |
| Net income | $965M | $111M | $986M | $1.6B | $1.4B |
| Operating cash flow | $2.8B | $2.5B | $2.5B | $3.1B | $2.7B |
| Operating margin | 15.9% | 4.5% | 17.8% | 25.5% | 22.8% |
| Free cash flow | $2.3B | $1.9B | $1.9B | $2.4B | $2.0B |
| Diluted EPS | $3.29 | $0.40 | $3.77 | $6.16 | $5.78 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
9 bullish · 4 neutral · 3 bearish
Weekly
Bullish
7 bullish · 1 neutral · 4 bearish
Monthly
Bullish
5 bullish · 1 neutral · 2 bearish
Moving averages (daily)
| SMA 10 | 82.27 | Bullish |
| EMA 10 | 82.62 | Bullish |
| SMA 20 | 82.85 | Bullish |
| EMA 20 | 83.35 | Bullish |
| SMA 50 | 87.14 | Bearish |
| EMA 50 | 84.13 | Bearish |
| SMA 100 | 80.91 | Bullish |
| EMA 100 | 81.95 | Bullish |
| SMA 200 | 76.16 | Bullish |
| EMA 200 | 79.94 | Bullish |
Oscillators (daily)
| RSI (14) | 49.35 | Neutral |
| MACD (12, 26) | -1.12 | Bearish |
| Momentum (12) | 2.45 | Bullish |
| Stochastic %K (14) | 74.19 | Neutral |
| Williams %R (14) | -25.81 | Neutral |
| CCI (20) | 50.46 | Neutral |
Pivot points (classic, last session)
S3 79.37 | S2 81.03 | S1 82.35 | Pivot 84.01 | R1 85.33 | R2 86.99 | R3 88.31 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.00 USD
Yield on today's price
1.20%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 11 Sep 2026 | 0.2500 |
| 12 Jun 2026 | 0.2500 |
| 9 Mar 2026 | 0.2500 |
| 12 Dec 2025 | 0.2500 |
| 12 Sep 2025 | 0.2500 |
| 13 Jun 2025 | 0.2500 |
| 14 Mar 2025 | 0.2500 |
| 13 Dec 2024 | 0.2500 |
| 13 Sep 2024 | 0.2500 |
| 14 Jun 2024 | 0.2500 |
| 14 Mar 2024 | 0.2500 |
| 14 Dec 2023 | 0.2500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
GPN SEC filings
5 Aug 2026
10-QSEC EDGAR
Quarterly report
5 Aug 2026
8-KSEC EDGAR
Results of operations
8 May 2026
10-QSEC EDGAR
Quarterly report
7 May 2026
8-KSEC EDGAR
Other events
6 May 2026
8-KSEC EDGAR
Results of operations
4 May 2026
8-KSEC EDGAR
Shareholder vote results
17 Mar 2026
DEF 14ASEC EDGAR
Proxy statement
12 Mar 2026
8-KSEC EDGAR
Entered a material agreement; Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.