GPN vs. KMX: A Head-to-Head Stock Comparison

Updated on October 9, 2025

Here’s a clear look at GPN and KMX, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	GPN	KMX
Company Name	Global Payments Inc.	CarMax, Inc.
Country	United States	United States
GICS Sector	Financials	Consumer Discretionary
GICS Industry	Financial Services	Specialty Retail
Market Capitalization	21.15 billion USD	6.51 billion USD
Exchange	NYSE	NYSE
Listing Date	January 16, 2001	February 4, 1997
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of GPN and KMX by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

GPN vs. KMX: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	GPN	KMX
5-Day Price Return	4.94%	-3.71%
13-Week Price Return	8.87%	-34.06%
26-Week Price Return	-11.44%	-41.98%
52-Week Price Return	-11.21%	-38.62%
Month-to-Date Return	4.94%	-1.14%
Year-to-Date Return	-22.20%	-45.74%
10-Day Avg. Volume	2.36M	7.86M
3-Month Avg. Volume	2.55M	3.69M
3-Month Volatility	36.14%	49.62%
Beta	0.84	1.31

Profitability

Return on Equity (TTM)

GPN

6.36%

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

GPN’s Return on Equity of 6.36% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

KMX

8.36%

Specialty Retail Industry

Max: 64.63%
Q3: 37.13%
Median: 19.07%
Q1: 10.79%
Min: -16.66%

KMX’s Return on Equity of 8.36% is in the lower quartile for the Specialty Retail industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

GPN vs. KMX: A comparison of their Return on Equity (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Net Profit Margin (TTM)

GPN

15.07%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

GPN’s Net Profit Margin of 15.07% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

KMX

1.98%

Specialty Retail Industry

Max: 21.04%
Q3: 10.99%
Median: 6.08%
Q1: 2.46%
Min: -4.37%

Falling into the lower quartile for the Specialty Retail industry, KMX’s Net Profit Margin of 1.98% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

GPN vs. KMX: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Operating Profit Margin (TTM)

GPN

23.26%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

GPN’s Operating Profit Margin of 23.26% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

KMX

2.64%

Specialty Retail Industry

Max: 33.35%
Q3: 16.40%
Median: 9.28%
Q1: 4.05%
Min: -10.63%

KMX’s Operating Profit Margin of 2.64% is in the lower quartile for the Specialty Retail industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

GPN vs. KMX: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Profitability at a Glance

Symbol	GPN	KMX
Return on Equity (TTM)	6.36%	8.36%
Return on Assets (TTM)	2.96%	1.91%
Net Profit Margin (TTM)	15.07%	1.98%
Operating Profit Margin (TTM)	23.26%	2.64%
Gross Profit Margin (TTM)	65.01%	11.21%

Financial Strength

Current Ratio (MRQ)

GPN

0.95

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
Q1: 0.86
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

KMX

2.46

Specialty Retail Industry

Max: 2.72
Q3: 1.81
Median: 1.38
Q1: 1.15
Min: 0.52

KMX’s Current Ratio of 2.46 is in the upper quartile for the Specialty Retail industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.

GPN vs. KMX: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Specialty Retail industry benchmarks.

Debt-to-Equity Ratio (MRQ)

GPN

0.74

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

KMX

3.03

Specialty Retail Industry

Max: 3.44
Q3: 1.57
Median: 0.60
Q1: 0.22
Min: 0.00

KMX’s leverage is in the upper quartile of the Specialty Retail industry, with a Debt-to-Equity Ratio of 3.03. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

GPN vs. KMX: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Specialty Retail industry benchmarks.

Interest Coverage Ratio (TTM)

GPN

5.15

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

KMX

Specialty Retail Industry

Max: 48.12
Q3: 39.12
Median: 14.13
Q1: 3.63
Min: -36.00

Interest Coverage Ratio data for KMX is currently unavailable.

GPN vs. KMX: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Financial Strength at a Glance

Symbol	GPN	KMX
Current Ratio (MRQ)	0.95	2.46
Quick Ratio (MRQ)	0.90	1.06
Debt-to-Equity Ratio (MRQ)	0.74	3.03
Interest Coverage Ratio (TTM)	5.15	--

Growth

Revenue Growth

GPN vs. KMX: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

GPN vs. KMX: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

GPN

1.17%

Financial Services Industry

Max: 8.12%
Q3: 3.37%
Median: 1.70%
Q1: 0.00%
Min: 0.00%

GPN’s Dividend Yield of 1.17% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

KMX

0.00%

Specialty Retail Industry

Max: 6.48%
Q3: 2.84%
Median: 1.04%
Q1: 0.00%
Min: 0.00%

KMX currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

GPN vs. KMX: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Dividend Payout Ratio (TTM)

GPN

17.30%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
Q1: 0.00%
Min: 0.00%

GPN’s Dividend Payout Ratio of 17.30% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

KMX

0.00%

Specialty Retail Industry

Max: 192.64%
Q3: 79.43%
Median: 26.55%
Q1: 0.00%
Min: 0.00%

KMX has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

GPN vs. KMX: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Dividend at a Glance

Symbol	GPN	KMX
Dividend Yield (TTM)	1.17%	0.00%
Dividend Payout Ratio (TTM)	17.30%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

GPN

14.77

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

GPN’s P/E Ratio of 14.77 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

KMX

12.58

Specialty Retail Industry

Max: 47.04
Q3: 27.74
Median: 23.51
Q1: 13.77
Min: 7.47

In the lower quartile for the Specialty Retail industry, KMX’s P/E Ratio of 12.58 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

GPN vs. KMX: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Price-to-Sales Ratio (TTM)

GPN

2.23

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

KMX

0.25

Specialty Retail Industry

Max: 5.77
Q3: 2.79
Median: 1.21
Q1: 0.53
Min: 0.09

In the lower quartile for the Specialty Retail industry, KMX’s P/S Ratio of 0.25 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

GPN vs. KMX: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Specialty Retail industry benchmarks.

Price-to-Book Ratio (MRQ)

GPN

0.86

Financial Services Industry

Max: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

GPN’s P/B Ratio of 0.86 is in the lower quartile for the Financial Services industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

KMX

1.48

Specialty Retail Industry

Max: 16.93
Q3: 7.92
Median: 3.98
Q1: 1.86
Min: 0.55

KMX’s P/B Ratio of 1.48 is in the lower quartile for the Specialty Retail industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

GPN vs. KMX: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Specialty Retail industry benchmarks.

Valuation at a Glance

Symbol	GPN	KMX
Price-to-Earnings Ratio (TTM)	14.77	12.58
Price-to-Sales Ratio (TTM)	2.23	0.25
Price-to-Book Ratio (MRQ)	0.86	1.48
Price-to-Free Cash Flow Ratio (TTM)	6.76	7.84