Global Payments (GPN)

Financials · $27.0B market cap · SEC CIK 0001123360

Next reports on Feb 16, 2027, after the close, with analysts expecting $3.70 in earnings per share.

52-week range $61.16 to $101.32. At its 52-week high and 66% above its low.

The case for GPN

• Revenue up 29.3% on the year.
• Trades at 0.93× book value, below what the balance sheet says it owns.
• Gross margin of 62% absorbs cost shocks.
• Within 1% of its 52-week high: the trend is up.

The case against

• Losing money over the last year: net margin −11.2%, return on equity −6%.
• Earnings per share down 60.0%.
• Value is weak (41/100): 19.3× earnings against a fair 24× for its growth, 2.3× sales.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• The P/E (19.3×) says it made money over the last year but its net margin (−11.2%) says it lost money, so the P/E is not counted in its favour.
• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Global Payments's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Global Payments says it does

Global Payments Inc. and its consolidated subsidiaries are referred to collectively as "Global Payments," the "Company," "we," "our" or "us," unless the context requires otherwise. Introduction We are a leading payments technology company delivering innovative software and services to our customers globally, with worldwide reach spanning North America, Europe, Asia-Pacific and Latin America. The payments technology industry provides financial institutions, businesses and consumers with payment processing services, merchant acceptance solutions and related business management software and value-added services. Our technologies, services and team member expertise allow us to provide a broad range of solutions that enable our customers to operate their businesses more efficiently across a variety of channels around the world. Headquartered in Georgia with approximately 26,000 team members worldwide, Global Payments is a Fortune 500…

Risk factors GPN lists in its 10-K

• Increased merchant, referral partner, ISO or payment facilitator attrition could cause our financial results to decline
• There may be a decline in the use of cards and other digital payments as a payment mechanism for consumers, or other adverse developments affecting the card industry in general
• Fraud by merchants or others and losses from overdrawn cardholder accounts could have an adverse effect on our business, financial condition, results of operations and cash flows
• If our enterprise segment merchants direct significant transaction volume away from us to other providers, it could adversely affect our business, financial condition, results of operations and cash flows
• Increases in card network fees may result in the loss of customers and/or a reduction in our earnings
• Our inability to complete certain dispositions or the effects of disposing a business could have a material adverse effect on our business, financial condition and results of operations
• Our business may be affected by current and future laws and regulations governing the development, use and deployment of AI technologies, as well as potentially related private litigation
• New or revised tax regulations, unfavorable resolution of tax contingencies or changes to enacted tax rates could adversely affect our tax expense
• Our risk management policies and procedures may not be fully effective in mitigating our risk exposure in all market environments or against all types of risk
• A downgrade in the ratings of our debt could restrict our ability to access the debt capital markets and increase our interest costs
• Failure to maintain effective internal control over financial reporting in accordance with Section 404 of the Sarbanes-Oxley Act could have a material adverse effect on our business
• We may not be able to successfully manage our intellectual property and may be subject to infringement claims
• Our substantial indebtedness could adversely affect us and limit our business flexibility
• We may not be able to raise additional funds to finance our future capital needs
• Our balance sheet includes significant amounts of goodwill and other intangible assets. The impairment of a portion of these assets could adversely affect our business, financial condition and results of operations
• We may not be able to, or we may decide not to, pay dividends or repurchase shares at a level anticipated by our shareholders, which could reduce shareholder returns
• If we lose key personnel or are unable to attract and hire additional qualified personnel as we grow, our business could be adversely affected

Filings

Other Financials companies