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GPN 
Global Payments Inc (GPN)
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Upturn Advisory Summary
12/01/2025: GPN (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
34 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $103.74
1 Year Target Price $103.74
| 11 | Strong Buy |
| 1 | Buy |
| 20 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.93% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.50B USD | Price to earnings Ratio 11.57 | 1Y Target Price 103.74 |
Price to earnings Ratio 11.57 | 1Y Target Price 103.74 | ||
Volume (30-day avg) 34 | Beta 0.82 | 52 Weeks Range 65.53 - 117.56 | Updated Date 12/1/2025 |
52 Weeks Range 65.53 - 117.56 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 1.32% | Basic EPS (TTM) 6.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.37% | Operating Margin (TTM) 31.84% |
Management Effectiveness
Return on Assets (TTM) 3.25% | Return on Equity (TTM) 7.23% |
Valuation
Trailing PE 11.57 | Forward PE 5.61 | Enterprise Value 31532138924 | Price to Sales(TTM) 1.84 |
Enterprise Value 31532138924 | Price to Sales(TTM) 1.84 | ||
Enterprise Value to Revenue 3.13 | Enterprise Value to EBITDA 7.3 | Shares Outstanding 236743716 | Shares Floating 234688781 |
Shares Outstanding 236743716 | Shares Floating 234688781 | ||
Percent Insiders 1.12 | Percent Institutions 95.73 |
Upturn AI SWOT
Global Payments Inc
Company Overview
History and Background
Global Payments Inc. was founded in 2000 as a spin-off from National Data Corporation (NDC). It has grown through acquisitions and organic growth to become a leading worldwide provider of payment technology and software solutions.
Core Business Areas
- Merchant Solutions: Provides payment processing solutions for merchants of all sizes, including point-of-sale systems, online payment gateways, and mobile payment solutions. Enable businesses to accept various payment methods, including credit cards, debit cards, and alternative payment options. This segment provides solutions to different industries around the world.
- Issuer Solutions: Offers payment solutions to financial institutions, including credit and debit card processing, fraud prevention, and loyalty programs. Services such as prepaid card processing, payment card reloads, and management of stored value, travel funds or other loyalty card programs. Provides solutions in both North America and Europe.
- Business and Consumer Solutions: Provides payroll and human capital management (HCM) solutions for businesses. Products and services for payroll processing, tax administration, workforce management, benefits administration, and HR management services. This segment is primarily conducted in the United States.
Leadership and Structure
Jeffrey S. Sloan serves as the chairman of the board. Cameron M. Bready is the CEO. The company is structured with distinct segments focusing on merchant solutions, issuer solutions, and business & consumer solutions.
Top Products and Market Share
Key Offerings
- TSYS (Merchant Solutions): Provides payment processing and merchant acquiring services globally. TSYS has an estimated market share in Merchant Solutions of ~7.5%. Competitors include Fiserv, Block (Square), and Adyen.
- Netspend (Issuer Solutions): Offers prepaid debit card solutions for consumers and businesses. Netspend provides various tools and services to provide consumers and businesses with payment options. Competitors include Green Dot, PayPal.
- Paycor (Business and Consumer Solutions): Provides human capital management (HCM) software for businesses. Offers features such as payroll processing, time and attendance tracking, and HR management. Paycor revenue for the twelve months ending March 31, 2024 was $0.735B. Competitors include ADP, Paychex.
Market Dynamics
Industry Overview
The payment technology industry is experiencing growth driven by increasing e-commerce adoption, the rise of mobile payments, and the digitization of financial services. Competition is intense, with traditional players and fintech startups vying for market share.
Positioning
Global Payments Inc. holds a strong position in the industry due to its scale, diverse product portfolio, and global presence. Its competitive advantages include its extensive network of merchants and financial institutions and its focus on innovation.
Total Addressable Market (TAM)
The TAM for payment processing is estimated to be in the trillions of dollars globally. Global Payments Inc. is positioned to capture a significant portion of this market through its various payment solutions and market reach.
Upturn SWOT Analysis
Strengths
- Diversified Revenue Streams
- Global Presence
- Strong Relationships with Banks and Merchants
- Innovative Technology Platform
- Large Scale of Operations
Weaknesses
- High Debt Levels
- Integration Challenges from Acquisitions
- Exposure to Economic Downturns
- Dependence on Key Partners
- Complexity of Operations
Opportunities
- Expansion into New Geographies
- Growing E-Commerce Market
- Increasing Adoption of Mobile Payments
- Partnerships with Fintech Companies
- Development of New Payment Solutions
Threats
- Intense Competition
- Regulatory Changes
- Cybersecurity Risks
- Economic Recession
- Disruptive Technologies
Competitors and Market Share
Key Competitors
- FISV
- SQ
- ADYEN
Competitive Landscape
Global Payments Inc. competes with a range of companies, from established payment processors to emerging fintech startups. GPN aims to stay competitive through innovation, strategic partnerships, and acquisitions. They have a competitive advantage in physical transactions but have some catching up to do in the online market.
Major Acquisitions
EVO Payments
- Year: 2023
- Acquisition Price (USD millions): 4000
- Strategic Rationale: Expanded Global Payments' global footprint and enhanced its technology capabilities in integrated payments.
Growth Trajectory and Initiatives
Historical Growth: Global Payments Inc has grown through acquisitions and organic growth, increasing its revenue and market share over the past decade.
Future Projections: Future growth projections would require analyst estimates.
Recent Initiatives: Recent strategic initiatives include acquisitions, partnerships, and the development of new payment solutions such as cloud based services.
Summary
Global Payments Inc. is a significant player in the payment technology industry, holding a competitive advantage through scale and global reach, but struggles due to high debt. The company's diversified revenue streams and innovation efforts are working well to improve the companies outlook. Global Payments needs to navigate intense competition, regulatory changes, and cybersecurity risks as well as reduce their debt. Recent acquisition has helped to expand their business.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Company SEC Filings
- Market Research Reports
- Analyst Reports
- Press Releases
- Various financial data web sites
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Global Payments Inc
Exchange NYSE | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2001-01-16 | CEO & Director Mr. Cameron M. Bready CPA | ||
Sector Industrials | Industry Specialty Business Services | Full time employees 27000 | |
Full time employees 27000 | |||
Global Payments Inc. provides payment technology and software solutions for card, check, and digital-based payments in the Americas, Europe, and the Asia-Pacific. It operates through two segments, Merchant Solutions and Issuer Solutions. The Merchant Solutions segment offers authorization, settlement and funding, customer support, chargeback resolution, reconciliation and dispute management, terminal rental, sales and deployment, payment security, and consolidated billing and reporting services. This segment also provides an array of enterprise software solutions that streamline business operations of its customers in various vertical markets; and value-added solutions and services, such as point-of-sale software, analytics and customer engagement, payroll and reporting, and human capital management. The Issuer Solutions segment offers solutions that enable financial institutions and retailers to manage their card portfolios through a platform; and commercial payments, accounts payables, and electronic payment alternatives solutions for businesses and governments. It markets its products and services through direct sales force, trade associations, agent and enterprise software providers, referral arrangements with value-added resellers, and independent sales organizations. The company was founded in 1967 and is headquartered in Atlanta, Georgia.
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