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Global Payments (GPN) Stock Analysis

This is a peer-relative look at Global Payments (GPN): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Global Payments (GPN)
Profile ItemGPN
NameGlobal Payments Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryFinancial Services
GICS Sub-IndustryTransaction & Payment Processing Services
Market Capitalization25.78 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateJanuary 16, 2001
Security TypeCommon Stock

Price Performance

Cumulative Growth

GPN
GSPC
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Global Payments (GPN) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Global Payments (GPN) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Global Payments (GPN) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
Total Return (1Y)31.53%1.90%
Total Return (3Y, Annualized)-1.66%12.71%
Total Return (5Y, Annualized)-4.82%2.81%

Risk Profile

Drawdown History

GPN
GSPC
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Global Payments (GPN) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Global Payments (GPN) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
Volatility (1Y, Annualized)42.00%36.24%
Beta (5Y)0.801.04
Max Drawdown (5Y)-57.06%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. GPN is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
Sharpe Ratio (1Y)0.65-0.09
Sortino Ratio (1Y)1.10-0.13

Profitability

ROE (TTM)

Global Payments (GPN) posts ROE of 0.84%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

GPN

Financial Services industry group

0.84%

Group distribution
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
GPN
0.84%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
GPN
0.84%
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Where Global Payments (GPN) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Global Payments (GPN) has negative net margin of -11.21%. The trailing period ended in a net loss, so the bottom-line conversion read is a warning rather than a profitability strength.

GPN

Financial Services industry group

-11.21%

Group distribution
Max
62.84%
Q3
28.05%
Median
15.36%
Q1
4.82%
GPN
-11.21%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
GPN
-11.21%
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Where Global Payments (GPN) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Global Payments (GPN) turns 15.73% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

GPN

Financial Services industry group

15.73%

Group distribution
Max
107.33%
Q3
55.90%
Median
30.09%
GPN
15.73%
Q1
14.60%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
GPN
15.73%
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Where Global Payments (GPN) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
ROE (TTM)0.84%12.91%
ROA (TTM)2.24%3.60%
Net Margin (TTM)-11.21%15.36%
Operating Margin (TTM)15.73%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Global Payments (GPN) grew revenue -0.39%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

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Global Payments (GPN): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Global Payments (GPN) grew earnings per share -6.17%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Global Payments (GPN): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
Revenue Growth (YoY)-0.39%9.46%
Revenue Growth (3Y CAGR)-4.96%10.90%
EPS Growth (YoY)-6.17%7.46%
EPS Growth (3Y CAGR)143.57%13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Global Payments (GPN) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Global Payments (GPN) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Global Payments (GPN) has dividend yield of 1.05%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

GPN

Financial Services industry group

1.05%

Group distribution
Max
9.77%
Q3
3.92%
Median
1.09%
GPN
1.05%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
GPN
1.05%
V
0.66%
MA
0.53%
BRK.A
0.00%
BRK.B
0.00%
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Where Global Payments (GPN) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Global Payments (GPN) has payout ratio of 178.57%, meaning dividends exceeded current-period earnings. The gap would need to be covered by cash, retained earnings, financing, or other sources, so earnings alone do not support the payout.

GPN

Financial Services industry group

178.57%

Group distribution
Max
241.07%
GPN
178.57%
Q3
97.36%
Median
25.77%
Q1
0.00%
Min
0.00%
Largest peers
GPN
178.57%
MS
32.91%
GS
25.88%
V
21.75%
MA
17.63%
BRK.A
0.00%
BRK.B
0.00%
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Where Global Payments (GPN) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
Dividend Yield (TTM)1.05%1.09%
Dividend Payout Ratio (TTM)178.57%25.77%

Valuation

P/E Ratio (TTM)

Global Payments (GPN) trades at P/E ratio of 173.93, above the peer range for its industry. The market is paying unusually heavily for TTM earnings relative to comparable companies.

GPN

Financial Services industry group

173.93

Group distribution
GPN
173.93
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Largest peers
GPN
173.93
V
34.31
MA
34.15
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
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Where Global Payments (GPN) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Global Payments (GPN) trades at 2.24 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

GPN

Financial Services industry group

2.24

Group distribution
Max
9.23
Q3
4.57
Median
2.72
GPN
2.24
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
GPN
2.24
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Where Global Payments (GPN) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Global Payments (GPN) trades at 1.11 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

GPN

Financial Services industry group

1.11

Group distribution
Max
7.79
Q3
3.63
Median
1.57
GPN
1.11
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
MS
2.65
GS
2.36
BRK.A
1.72
GPN
1.11
BRK.B
0.00
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Where Global Payments (GPN) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Global Payments (GPN) metric values compared with Financial Services industry-group medians
MetricCurrent stock: GPNIndustry group median
P/E Ratio (TTM)173.9315.37
P/S Ratio (TTM)2.242.72
P/B Ratio (MRQ)1.111.57
Free Cash Flow Yield (TTM)----