Global Payments Inc (GPN) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Global Payments Inc stock $88.05, price $96.09, that is 8.4% below the price, quality 53 out of 100. Rating: fairly valued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $62.06 – $167.39 · fair‑value band $51.59 – $142.42 · the $96.09 price screens above the $88.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Global Payments Inc. provides payment technology and software solutions for card, check, and digital-based payments in the Americas, Europe, and the Asia-Pacific.
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It 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.
The company 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.
It markets its products and services through direct sales force, trade associations, agent and enterprise software providers, referral arrangements with value-added resellers, independent sales organizations, payment facilitators, and financial institutions.
The company was founded in 1967 and is headquartered in Atlanta, Georgia.
Stock analysis
Global Payments Inc (GPN) currently trades at $96.09, while our model-based Fair Value estimate is $88.05, so the stock looks roughly fairly valued today (gap 9.1%).
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Valuation
Bull case: the DCF Models group reads highest at a median of $88.05 per share, and 3 of the 13 models we run sit above the $96.09 price.
Bear case: the Dividend Discount group reads lowest at $14.93, and 10 of the 13 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $51.59 (bear) to $142.42 (bull), the price of $96.09 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Industrials sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Global Payments Inc reported revenue of $7.7B in FY2025 versus $8.5B in FY2021, a compound −2.5%/yr. Reported net income was $1.4B in FY2025, compounding +9.7%/yr from FY2021.
Key figures
Market cap $24.9B Large · P/S ratio 2.17 · EPS (TTM) $2.13 · Dividend yield 1.0% · Net margin 18.2% · Return on equity 2.4% · Return on assets (EBIT) 4.1% · Operating margin 16.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 55% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −18% fair-value upside, at −8%, GPN screens cheaper than that median.
Fair Value models
Bear$51.59Fair Value $88.05Bull$142.42
Price $96.09 · Downside -8.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.9566 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
BuyJoia M JohnsonDirector1,213 shares at $81.90$99,345Feb 20, 2026
BuyRobert H B Baldwin JrDirector13,392 shares at $81.16$1.1MDec 11, 2025
SaleDavid M SheffieldEVP, Chief Accounting Officer2,016 shares at $81.41$164,123Dec 11, 2025
SaleDavid Lawrence GreenChief Administrative Officer11,600 shares at $79.99$927,884Dec 3, 2025
SaleConnie D McDanielDirector4,464 shares at $77.81$347,344Nov 12, 2025
BuyPatricia A WatsonDirector1,331 shares at $75.06$99,905Nov 7, 2025
Plus 5 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−23.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−5.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.7%
Start year 2020 (pandemic). Over 10 years: +10.8% a year
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+10.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.0%
Dividend (yield on the price)1.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.21.9% vs 13.2%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 19%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes more growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+6.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+13.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +3.5% a year for the price and +11.3% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (94 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: The business shows promise in cost and revenue synergies from the Worldpay integration via the Genius platform, yet lacks clear durable advantages and faces execution risks on customer retention.
Main risk: Cloud-native rivals such as Stripe and Adyen with unified global platforms could capture enterprise e-commerce and cross-border volumes from Global Payments, pressuring prices and margins in those segments.
Bull case: By embedding AI capabilities into its Genius platform and participating in agentic commerce protocols Global Payments could strengthen its position against rivals and expand into new transaction channels.
Bear case: If modern platforms like Stripe and Adyen continue gaining share while debt servicing limits responses Global Payments might see sustained margin pressure and slower volume growth in key merchant segments.
Global Payments has transformed into a pure-play merchant solutions provider following the Worldpay acquisition, with management targeting substantial cost and revenue synergies through integration and the Genius platform. Execution on these plans could drive meaningful operating leverage and cash flow growth in the coming years. Yet the scale of the combination also brings risks around customer retention and realization of those targets. Will the synergies deliver more upside than the integration costs and complexities subtract?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Specialty Business Services · 230 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−8.4% · Below median
Profitability
Return on equity (12 months)2.4% · Below median
Return on assets2.6% · Below median
Net margin (12 months)−9.2% · Bottom 25%
Operating margin (12 months)16.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)68.6% · Top 25%
Dividend yield (12 months)1.0% · Bottom 25%
Balance sheet
Debt / equity0.85× · Highest 25%
Valuation Multiplesvs Specialty Business Services median · lower = cheaper
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Is Global Payments Inc (GPN) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $88.05 versus a price of $96.09, about 8% lower (fairly valued).
What is the fair value of GPN?
Our model-based fair value for Global Payments Inc is $88.05 (as of Nov 4, 2026), built from audited fundamentals. The current price: $96.09.
What is the quality score of GPN?
Global Payments Inc has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Global Payments Inc (GPN)?
Our model-based price target is the fair value of $88.05 (as of Nov 4, 2026) from 13 valuation models. Cautious scenario $51.59, optimistic scenario $142.42. It is a calculation from audited fundamentals, not an analyst target.
What is the Global Payments Inc stock forecast for 2026?
Our models put fair value at $88.05, about 8% lower versus a price of $96.09 (fairly valued). Cautious scenario $51.59, optimistic scenario $142.42. The calculation is refreshed regularly with new filings.
What is the revenue of Global Payments Inc (GPN)?
Global Payments Inc reported trailing-twelve-month revenue of about $10.2B (latest available figure, as of Nov 4, 2026).
Does Global Payments Inc pay a dividend?
Global Payments Inc currently shows a dividend yield of 1.04% relative to its recent price (as of Nov 4, 2026).
What growth is priced into Global Payments Inc (GPN)?
For today's price to be fair in a discounted-cash-flow model, Global Payments Inc would have to grow free cash flow by +6.0 % per year for five years (discount rate 8.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +0.8 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of GPN use?
Our models discount Global Payments Inc at 8.8 %: a base by market capitalisation (large), damped by beta 0.81, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Global Payments Inc that is +6.0 % per year a year over ten years, using the same discount rate (8.8 %) and the same formula as our fair value.
How much growth has Global Payments Inc (GPN) delivered so far?
Over the past 5 years revenue at Global Payments Inc grew +0.8 % a year. The price currently implies +6.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Global Payments Inc (GPN) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Global Payments Inc (+6.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Global Payments Inc (GPN)?
The free-cash-flow yield on the price is 8.18 %: that much free cash flow Global Payments Inc produces per unit of market value. When it exceeds the discount rate of our models (8.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Global Payments Inc (GPN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Global Payments Inc it is $88.05 per share (as of Nov 4, 2026), against a price of $96.09. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Global Payments Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, GPN trades above its calculated fair value: price $96.09, fair value $88.05, a gap of about −8% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GPN?
No. The price is what the market pays today ($96.09); the fair value is what the company's own numbers justify ($88.05). For Global Payments Inc the two are $8.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is Global Payments Inc worth?
The market values Global Payments Inc at about $24.9B (market capitalisation, as of Nov 4, 2026). Per share that is $96.09; our models calculate a fair value of $88.05 per share.
What do the bullish and bearish scenarios say about GPN?
Our models span a range for Global Payments Inc: cautious scenario $51.59, base $88.05, optimistic $142.42 per share (as of Nov 4, 2026, price $96.09). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of GPN?
The PEG ratio of Global Payments Inc is 0.21 (P/E divided by earnings growth, as of Nov 4, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Global Payments Inc (GPN)?
Balance-sheet figures for Global Payments Inc (as of Nov 4, 2026): return on equity 2.4%, debt of 0.85 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is GPN from its 52-week high?
Global Payments Inc trades at $96.09, about 4% below its 52-week high of $99.63 and 55% above the low of $62.06 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of $88.05 is for.
Which stocks are comparable to Global Payments Inc?
From the same area (Industrials) we also value Cintas Corporation, Thomson Reuters Corporation, Copart, Inc, Wolters Kluwer N.V, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Global Payments Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $96.09, calculated fair value $88.05 (−8%), Quality Score 53/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GPN calculated?
We run Global Payments Inc through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $88.05, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.6% above its aggregate fair value. Global Payments Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Global Payments Inc (GPN)?
The closing price on Nov 4, 2026 was $96.09. Our model-based fair value is $88.05, about 8% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Global Payments Inc right now?
The model range is unusually wide ($51.59 to $142.42). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension.
Where does the earnings growth of Global Payments Inc (GPN) come from?
Earnings per share at Global Payments Inc grew +13.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.6 %, EBIT margin +5.0 %, tax rate +1.4 %, residual (interest, one-offs) −0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Global Payments Inc
How large is the market capitalisation of Global Payments Inc (GPN)?
The market capitalisation of Global Payments Inc is $24.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Global Payments Inc (GPN)?
The price-to-sales ratio of Global Payments Inc is 2.17 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Global Payments Inc (GPN)?
Earnings per share at Global Payments Inc are $2.13. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Global Payments Inc (GPN)?
The dividend yield of Global Payments Inc is 1.0% (payout 77.8%, on adjusted earnings, reported 46.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Global Payments Inc (GPN)?
The net margin of Global Payments Inc is 18.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Global Payments Inc (GPN)?
The return on equity (ROE) of Global Payments Inc is 2.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Global Payments Inc (GPN)?
On an EBIT basis the return on assets of Global Payments Inc is 4.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Global Payments Inc (GPN)?
The operating margin of Global Payments Inc is 16.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Global Payments Inc (GPN)?
Revenue at Global Payments Inc is growing +68.6% versus a year earlier (3y avg −5.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Global Payments Inc (GPN)?
Earnings per share at Global Payments Inc are growing −95.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Global Payments Inc (GPN) carry?
The net debt of Global Payments Inc is $13.5B (fiscal year 2025, ≈ 6.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 4, 2026