GLOBAL PAYMENTS INC (GPN) Stock Fundamental Analysis
NYSE:GPN • US37940X1028
80.25 USD
-1.01 (-1.24%)
At close: Feb 19, 2026
80 USD
-0.25 (-0.31%)
After Hours: 2/19/2026, 6:40:00 PM
Overall GPN gets a fundamental rating of 5 out of 10. We evaluated GPN against 97 industry peers in the Financial Services industry. GPN has a medium profitability rating, but doesn't score so well on its financial health evaluation. GPN may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- In the past year GPN was profitable.
- In the past year GPN had a positive cash flow from operations.
- Of the past 5 years GPN 4 years were profitable.
- GPN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- GPN's Return On Assets of 3.65% is fine compared to the rest of the industry. GPN outperforms 70.10% of its industry peers.
- Looking at the Return On Equity, with a value of 7.72%, GPN is in line with its industry, outperforming 44.33% of the companies in the same industry.
- GPN's Return On Invested Capital of 4.90% is fine compared to the rest of the industry. GPN outperforms 65.98% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for GPN is below the industry average of 8.38%.
- The last Return On Invested Capital (4.90%) for GPN is above the 3 year average (4.36%), which is a sign of increasing profitability.
| 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
- GPN's Profit Margin of 19.68% is fine compared to the rest of the industry. GPN outperforms 77.32% of its industry peers.
- GPN's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 26.85%, GPN is in the better half of the industry, outperforming 73.20% of the companies in the same industry.
- In the last couple of years the Operating Margin of GPN has grown nicely.
- With a decent Gross Margin value of 67.06%, GPN is doing good in the industry, outperforming 78.35% of the companies in the same industry.
- In the last couple of years the Gross Margin of GPN 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GPN is destroying value.
- GPN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- Based on the Altman-Z score of 1.03, we must say that GPN is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 1.03, GPN perfoms like the industry average, outperforming 59.79% of the companies in the same industry.
- The Debt to FCF ratio of GPN is 7.50, which is on the high side as it means it would take GPN, 7.50 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of GPN (7.50) is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.63 indicates that GPN is somewhat dependend on debt financing.
- GPN has a Debt to Equity ratio of 0.63. This is comparable to the rest of the industry: GPN outperforms 52.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 7.5 | ||
| Altman-Z | 1.03 |
ROIC/WACC0.65
WACC7.52%
2.3 Liquidity
- A Current Ratio of 0.85 indicates that GPN may have some problems paying its short term obligations.
- GPN has a Current ratio (0.85) which is in line with its industry peers.
- GPN has a Quick Ratio of 0.85. This is a bad value and indicates that GPN is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Quick ratio value of 0.85, GPN perfoms like the industry average, outperforming 47.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
- GPN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.89%.
- The Earnings Per Share has been growing by 13.83% on average over the past years. This is quite good.
EPS 1Y (TTM)5.89%
EPS 3Y9.44%
EPS 5Y13.83%
EPS Q2Q%7.8%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%1.37%
3.2 Future
- The Earnings Per Share is expected to grow by 17.95% on average over the next years. This is quite good.
- GPN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.48% yearly.
EPS Next Y12.74%
EPS Next 2Y14.79%
EPS Next 3Y18.36%
EPS Next 5Y17.95%
Revenue Next Year5.87%
Revenue Next 2Y5.32%
Revenue Next 3Y15.51%
Revenue Next 5Y11.48%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 6.56, which indicates a rather cheap valuation of GPN.
- 86.60% of the companies in the same industry are more expensive than GPN, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.09. GPN is valued rather cheaply when compared to this.
- GPN is valuated cheaply with a Price/Forward Earnings ratio of 5.82.
- 84.54% of the companies in the same industry are more expensive than GPN, based on the Price/Forward Earnings ratio.
- GPN is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.56 | ||
| Fwd PE | 5.82 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GPN indicates a somewhat cheap valuation: GPN is cheaper than 73.20% of the companies listed in the same industry.
- GPN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GPN is cheaper than 73.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.4 | ||
| EV/EBITDA | 9.02 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of GPN may justify a higher PE ratio.
- GPN's earnings are expected to grow with 18.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)0.47
EPS Next 2Y14.79%
EPS Next 3Y18.36%
5. Dividend
5.1 Amount
- GPN has a Yearly Dividend Yield of 1.23%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.34, GPN has a dividend in line with its industry peers.
- GPN's Dividend Yield is slightly below the S&P500 average, which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.23% |
5.2 History
- On average, the dividend of GPN grows each year by 21.27%, which is quite nice.
- GPN has paid a dividend for at least 10 years, which is a reliable track record.
- GPN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)21.27%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
- GPN pays out 13.82% of its income as dividend. This is a sustainable payout ratio.
- GPN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP13.82%
EPS Next 2Y14.79%
EPS Next 3Y18.36%
80.25
-1.01 (-1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-18 2026-02-18/bmo
Earnings (Next)05-04 2026-05-04/bmo
Inst Owners95.88%
Inst Owner Change0.41%
Ins Owners0.54%
Ins Owner Change-0.03%
Market Cap22.47B
Revenue(TTM)N/A
Net Income(TTM)1.75B
Analysts71.67
Price Target105.2 (31.09%)
Short Float %4.24%
Short Ratio3.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.23% |
Yearly Dividend0.99
Dividend Growth(5Y)21.27%
DP13.82%
Div Incr Years0
Div Non Decr Years6
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)0
Avg Revenue beat(4)-0.99%
Min Revenue beat(4)-1.67%
Max Revenue beat(4)-0.46%
Revenue beat(8)0
Avg Revenue beat(8)-1%
Revenue beat(12)2
Avg Revenue beat(12)0.22%
Revenue beat(16)6
Avg Revenue beat(16)2.55%
PT rev (1m)-1.19%
PT rev (3m)-0.94%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)-0.47%
EPS NY rev (1m)0.19%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)0.86%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.56 | ||
| Fwd PE | 5.82 | ||
| P/S | 2.53 | ||
| P/FCF | 10.4 | ||
| P/OCF | 8.04 | ||
| P/B | 0.99 | ||
| P/tB | 13.56 | ||
| EV/EBITDA | 9.02 |
EPS(TTM)12.23
EY15.24%
EPS(NY)13.79
Fwd EY17.18%
FCF(TTM)7.72
FCFY9.62%
OCF(TTM)9.98
OCFY12.44%
SpS31.76
BVpS80.95
TBVpS5.92
PEG (NY)0.52
PEG (5Y)0.47
Graham Number149.25
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 | 1.03 |
F-Score7
WACC7.52%
ROIC/WACC0.65
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)5.89%
EPS 3Y9.44%
EPS 5Y13.83%
EPS Q2Q%7.8%
EPS Next Y12.74%
EPS Next 2Y14.79%
EPS Next 3Y18.36%
EPS Next 5Y17.95%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%1.37%
Revenue Next Year5.87%
Revenue Next 2Y5.32%
Revenue Next 3Y15.51%
Revenue Next 5Y11.48%
EBIT growth 1Y2.31%
EBIT growth 3Y11.27%
EBIT growth 5Y17.46%
EBIT Next Year10.45%
EBIT Next 3Y7.45%
EBIT Next 5Y11.35%
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 / GPN FAQ
Can you provide the ChartMill fundamental rating for GLOBAL PAYMENTS INC?
ChartMill assigns a fundamental rating of 5 / 10 to GPN.
What is the valuation status of GLOBAL PAYMENTS INC (GPN) stock?
ChartMill assigns a valuation rating of 8 / 10 to GLOBAL PAYMENTS INC (GPN). This can be considered as Undervalued.
What is the profitability of GPN stock?
GLOBAL PAYMENTS INC (GPN) has a profitability rating of 6 / 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 (GPN) is 6.56 and the Price/Book (PB) ratio is 0.99.
Is the dividend of GLOBAL PAYMENTS INC sustainable?
The dividend rating of GLOBAL PAYMENTS INC (GPN) is 5 / 10 and the dividend payout ratio is 13.82%.