GLOBAL PAYMENTS INC (GLO.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GLO - US37940X1028 - Common Stock
69.34 EUR
+0.26 (+0.38%)
Overall GLO gets a fundamental rating of 5 out of 10. We evaluated GLO against 59 industry peers in the Financial Services industry. While GLO belongs to the best of the industry regarding profitability, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on GLO.
1. Profitability
1.1 Basic Checks
GLO had positive earnings in the past year.
GLO had a positive operating cash flow in the past year.
Each year in the past 5 years GLO has been profitable.
In the past 5 years GLO always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 3.65%, GLO is doing good in the industry, outperforming 67.80% of the companies in the same industry.
GLO has a Return On Equity (7.72%) which is comparable to the rest of the industry.
GLO's Return On Invested Capital of 4.90% is fine compared to the rest of the industry. GLO outperforms 64.41% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GLO is significantly below the industry average of 9.75%.
The 3 year average ROIC (4.36%) for GLO is below the current ROIC(4.90%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 7.72% | ||
| ROIC | 4.9% |
ROA(3y)1.85%
ROA(5y)1.8%
ROE(3y)3.95%
ROE(5y)3.55%
ROIC(3y)4.36%
ROIC(5y)3.81%
1.3 Margins
Looking at the Profit Margin, with a value of 19.68%, GLO is in the better half of the industry, outperforming 76.27% of the companies in the same industry.
GLO's Profit Margin has improved in the last couple of years.
GLO has a Operating Margin of 26.85%. This is in the better half of the industry: GLO outperforms 72.88% of its industry peers.
GLO's Operating Margin has improved in the last couple of years.
GLO has a Gross Margin of 67.06%. This is in the better half of the industry: GLO outperforms 66.10% of its industry peers.
In the last couple of years the Gross Margin of GLO has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 26.85% | ||
| PM (TTM) | 19.68% | ||
| GM | 67.06% |
OM growth 3Y5.13%
OM growth 5Y1.68%
PM growth 3Y11.11%
PM growth 5Y12.13%
GM growth 3Y3.83%
GM growth 5Y1.31%
2. Health
2.1 Basic Checks
GLO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, GLO has less shares outstanding
Compared to 5 years ago, GLO has less shares outstanding
Compared to 1 year ago, GLO has a worse debt to assets ratio.
2.2 Solvency
GLO has an Altman-Z score of 0.95. This is a bad value and indicates that GLO is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.95, GLO is in line with its industry, outperforming 44.07% of the companies in the same industry.
The Debt to FCF ratio of GLO is 7.50, which is on the high side as it means it would take GLO, 7.50 years of fcf income to pay off all of its debts.
GLO has a Debt to FCF ratio (7.50) which is in line with its industry peers.
A Debt/Equity ratio of 0.63 indicates that GLO is somewhat dependend on debt financing.
GLO has a Debt to Equity ratio of 0.63. This is comparable to the rest of the industry: GLO outperforms 45.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 7.5 | ||
| Altman-Z | 0.95 |
ROIC/WACC0.84
WACC5.87%
2.3 Liquidity
A Current Ratio of 0.85 indicates that GLO may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.85, GLO is doing worse than 72.88% of the companies in the same industry.
GLO has a Quick Ratio of 0.85. This is a bad value and indicates that GLO is not financially healthy enough and could expect problems in meeting its short term obligations.
GLO has a Quick ratio of 0.85. This is in the lower half of the industry: GLO underperforms 72.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.67% over the past year.
Measured over the past years, GLO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.36% on average per year.
Looking at the last year, GLO shows a very negative growth in Revenue. The Revenue has decreased by -11.30% in the last year.
The Revenue has been growing by 15.52% on average over the past years. This is quite good.
EPS 1Y (TTM)6.67%
EPS 3Y12.23%
EPS 5Y13.36%
EPS Q2Q%5.84%
Revenue 1Y (TTM)-11.3%
Revenue growth 3Y5.84%
Revenue growth 5Y15.52%
Sales Q2Q%-6.65%
3.2 Future
The Earnings Per Share is expected to grow by 11.51% on average over the next years. This is quite good.
Based on estimates for the next years, GLO will show a small growth in Revenue. The Revenue will grow by 3.52% on average per year.
EPS Next Y6.67%
EPS Next 2Y9.31%
EPS Next 3Y11.51%
EPS Next 5YN/A
Revenue Next Year1.39%
Revenue Next 2Y2.9%
Revenue Next 3Y3.52%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
GLO is valuated cheaply with a Price/Earnings ratio of 6.81.
Based on the Price/Earnings ratio, GLO is valued cheaper than 89.83% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.50. GLO is valued rather cheaply when compared to this.
GLO is valuated cheaply with a Price/Forward Earnings ratio of 5.92.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GLO indicates a rather cheap valuation: GLO is cheaper than 88.14% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.93, GLO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.81 | ||
| Fwd PE | 5.92 |
4.2 Price Multiples
66.10% of the companies in the same industry are more expensive than GLO, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, GLO is valued a bit cheaper than 76.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.95 | ||
| EV/EBITDA | 8.15 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
GLO has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.02
PEG (5Y)0.51
EPS Next 2Y9.31%
EPS Next 3Y11.51%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.22%, GLO has a reasonable but not impressive dividend return.
GLO's Dividend Yield is a higher than the industry average which is at 2.01.
Compared to the average S&P500 Dividend Yield of 1.87, GLO is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.22% |
5.2 History
The dividend of GLO is nicely growing with an annual growth rate of 21.27%!
Dividend Growth(5Y)21.27%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
13.82% of the earnings are spent on dividend by GLO. This is a low number and sustainable payout ratio.
GLO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP13.82%
EPS Next 2Y9.31%
EPS Next 3Y11.51%
FRA:GLO (12/22/2025, 7:00:00 PM)
69.34
+0.26 (+0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.78%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap16.42B
Revenue(TTM)8.89B
Net Income(TTM)1.75B
Analysts70.86
Price Target90.93 (31.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.22% |
Yearly Dividend0.85
Dividend Growth(5Y)21.27%
DP13.82%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.02%
Min EPS beat(2)-0.49%
Max EPS beat(2)0.44%
EPS beat(4)1
Avg EPS beat(4)-0.8%
Min EPS beat(4)-1.97%
Max EPS beat(4)0.44%
EPS beat(8)2
Avg EPS beat(8)-0.8%
EPS beat(12)5
Avg EPS beat(12)-0.27%
EPS beat(16)6
Avg EPS beat(16)-0.31%
Revenue beat(2)0
Avg Revenue beat(2)-0.73%
Min Revenue beat(2)-1%
Max Revenue beat(2)-0.46%
Revenue beat(4)2
Avg Revenue beat(4)3.77%
Min Revenue beat(4)-1%
Max Revenue beat(4)8.51%
Revenue beat(8)6
Avg Revenue beat(8)6.7%
Revenue beat(12)10
Avg Revenue beat(12)8.2%
Revenue beat(16)14
Avg Revenue beat(16)8.54%
PT rev (1m)-33.49%
PT rev (3m)-33.49%
EPS NQ rev (1m)-12.21%
EPS NQ rev (3m)-12.21%
EPS NY rev (1m)-9.71%
EPS NY rev (3m)-9.71%
Revenue NQ rev (1m)-6.63%
Revenue NQ rev (3m)-6.63%
Revenue NY rev (1m)-6.73%
Revenue NY rev (3m)-6.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.81 | ||
| Fwd PE | 5.92 | ||
| P/S | 2.18 | ||
| P/FCF | 8.95 | ||
| P/OCF | 6.92 | ||
| P/B | 0.85 | ||
| P/tB | 11.68 | ||
| EV/EBITDA | 8.15 |
EPS(TTM)10.18
EY14.68%
EPS(NY)11.71
Fwd EY16.89%
FCF(TTM)7.75
FCFY11.17%
OCF(TTM)10.02
OCFY14.45%
SpS31.87
BVpS81.24
TBVpS5.94
PEG (NY)1.02
PEG (5Y)0.51
Graham Number136.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 7.72% | ||
| ROCE | 6.04% | ||
| ROIC | 4.9% | ||
| ROICexc | 5.24% | ||
| ROICexgc | 11.76% | ||
| OM | 26.85% | ||
| PM (TTM) | 19.68% | ||
| GM | 67.06% | ||
| FCFM | 24.31% |
ROA(3y)1.85%
ROA(5y)1.8%
ROE(3y)3.95%
ROE(5y)3.55%
ROIC(3y)4.36%
ROIC(5y)3.81%
ROICexc(3y)4.61%
ROICexc(5y)4.02%
ROICexgc(3y)47.47%
ROICexgc(5y)47.57%
ROCE(3y)5.34%
ROCE(5y)4.65%
ROICexgc growth 3Y5.38%
ROICexgc growth 5Y12.85%
ROICexc growth 3Y11.96%
ROICexc growth 5Y18.11%
OM growth 3Y5.13%
OM growth 5Y1.68%
PM growth 3Y11.11%
PM growth 5Y12.13%
GM growth 3Y3.83%
GM growth 5Y1.31%
F-Score7
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 7.5 | ||
| Debt/EBITDA | 3.64 | ||
| Cap/Depr | 41.25% | ||
| Cap/Sales | 7.13% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.24% | ||
| Profit Quality | 123.52% | ||
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 | ||
| Altman-Z | 0.95 |
F-Score7
WACC5.87%
ROIC/WACC0.84
Cap/Depr(3y)36.77%
Cap/Depr(5y)33.3%
Cap/Sales(3y)6.79%
Cap/Sales(5y)6.4%
Profit Quality(3y)601.21%
Profit Quality(5y)472.37%
High Growth Momentum
Growth
EPS 1Y (TTM)6.67%
EPS 3Y12.23%
EPS 5Y13.36%
EPS Q2Q%5.84%
EPS Next Y6.67%
EPS Next 2Y9.31%
EPS Next 3Y11.51%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.3%
Revenue growth 3Y5.84%
Revenue growth 5Y15.52%
Sales Q2Q%-6.65%
Revenue Next Year1.39%
Revenue Next 2Y2.9%
Revenue Next 3Y3.52%
Revenue Next 5YN/A
EBIT growth 1Y2.31%
EBIT growth 3Y11.27%
EBIT growth 5Y17.46%
EBIT Next Year10.45%
EBIT Next 3Y7.54%
EBIT Next 5YN/A
FCF growth 1Y31.17%
FCF growth 3Y7.7%
FCF growth 5Y21.41%
OCF growth 1Y21.47%
OCF growth 3Y8.3%
OCF growth 5Y20.49%
GLOBAL PAYMENTS INC / GLO.DE FAQ
Can you provide the ChartMill fundamental rating for GLOBAL PAYMENTS INC?
ChartMill assigns a fundamental rating of 5 / 10 to GLO.DE.
What is the valuation status of GLOBAL PAYMENTS INC (GLO.DE) stock?
ChartMill assigns a valuation rating of 8 / 10 to GLOBAL PAYMENTS INC (GLO.DE). This can be considered as Undervalued.
How profitable is GLOBAL PAYMENTS INC (GLO.DE) stock?
GLOBAL PAYMENTS INC (GLO.DE) has a profitability rating of 7 / 10.
What is the valuation of GLOBAL PAYMENTS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GLOBAL PAYMENTS INC (GLO.DE) is 6.81 and the Price/Book (PB) ratio is 0.85.
Can you provide the financial health for GLO stock?
The financial health rating of GLOBAL PAYMENTS INC (GLO.DE) is 2 / 10.