Global Payments
About the company
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 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.
Price above modeled range
Other models: USD 65.21–93.35 (median 82.28). The recommended value is in line with them.
Why: Banks and insurers earn their money on their balance sheet, so value follows book value and how much the company earns on it (return on equity).
The range depends on model assumptions and data; it is not a prediction or investment advice.
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Market price above modeled range
Justified P/B (ROE) using Fiscal year 2025 net income and book equity: return on equity of 6.1% gives a fair price-to-book of 0.52x, with 2.4% growth (capped at the terminal rate) and 9.6% discount. The range varies growth and discount by 1 percentage point; it is illustrative, not a statistical confidence interval or investment advice.
Assumptions: growth 3% (limited from 3.33% because the latest annual revenue declined), discount rate 9.60%, terminal growth 2.40%. See a worked example.
Blended growth assumption: 3.3% (sector default 5.4%, own revenue history -2.5%, analyst revenue consensus 5.2%).
5-year outlook: relative outlook of about 4.9% a year (High confidence), anchored to a 7% market return and adjusted for how this company ranks against others. A ranking aid, not a prediction. See the full forecast.
Analyst consensus expects revenue growth of 5.2% a year; the growth assumption used is 3.0%.
Adjust assumptions
Why this model: Banks and insurers earn their money on their balance sheet, so value follows book value and how much the company earns on it (return on equity).
Compare models- Recommended: Justified P/B (ROE) — USD 48.83 (-48.6%)
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EPS-based Gordon proxy
— USD 82.28 (-13.4%)
Not used: Treats all earnings as if paid out and ignores the cash kept for reinvestment, so it overstates value for companies that retain most profit.
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DCF (trailing free cash flow)
— USD 68.32 (-28.1%)
Not used: Cash-flow models do not suit banks and insurers, whose cash flow is mostly funding and deposits.
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FCFF (steady state)
— USD 65.21 (-31.3%)
Not used: Cash-flow models do not suit banks and insurers, whose cash flow is mostly funding and deposits.
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EV/EBITDA (12x)
— USD 93.35 (-1.7%)
Not used: Used only when free cash flow is far below earnings even after averaging three years; a fixed 12x multiple also ignores sector differences.
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Fade DCF (10-year growth fade)
— USD 68.21 (-28.2%)
Not used: Cash-flow models do not suit banks and insurers, whose cash flow is mostly funding and deposits.
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EV/Sales (Rule of 40)
— USD 211.09 (+122.2%)
Not used: Used only for technology and communication companies whose cash-flow value is far below the price.
| Bear USD 48.49 | -95.9% |
| Base USD 48.83 | -94.5% |
| Bull USD 49.42 | -92.2% |
Margin = (value − price) / value, so it is measured against the value and reads lower than the upside to value, which is measured against the price. Positive means the price is below that case.
Track record: see the methodology page for how this model has performed historically, including its limits. Treat it as a screen, not a forecast.
Price history and fair value
1 month price change: +17.14% · USD 94.98 · Market data through 05 Nov 2026 ; dashed line is today’s model base value (USD 48.83). The fair value is today’s estimate, not what the model said in the past.
Saved price history is current through 05 Nov 2026; last refreshed 06 Nov 2026 18:33 (1 hour, 31 minutes ago).
07 Oct 2026Range USD 80.89 – 99.6305 Nov 2026
Latest news
Headlines provided by EODHD. Articles may mention multiple companies and are not investment recommendations.
More detail: quality, peers, price history, dividends and financials
Quality score: 68 / 100
Five equal checks on reported history: profitability, cash generation, revenue growth, balance sheet and margins. It describes business quality, not whether the price is attractive.
| Profitability | 4 of 5 years profitable | 16 / 20 |
| Cash generation | free cash flow positive in 5 of 5 years | 20 / 20 |
| Growth | revenue +3.2% a year | 12 / 20 |
| Balance sheet | net debt 5.6x EBITDA | 0 / 20 |
| Margins | EBITDA margin 30% | 20 / 20 |
Peers in Financials
Same-sector companies with a valuation, most undervalued first. Compare the margin of safety, yield and quality score side by side.
| Company | Price | Margin of safety | P/E | P/B | Yield | Quality |
|---|---|---|---|---|---|---|
| GPN (this company) | USD 94.98 | -94.5% | 16.4 | 1.0 | 1.1% | 64 |
| PSH.L Pershing Square Holdings, Ltd. | GBP 38.66 | 68.4% | 3.7 | 0.6 | 1.3% | 76 |
| LRE.L Lancashire Holdings Limited | GBP 6.86 | 45.8% | 7.1 | 1.6 | 3.3% | 76 |
| ACA.PA Credit Agricole S.A. | EUR 15.84 | 36.1% | 6.8 | 0.7 | 6.9% | 78 |
| PRU.L Prudential plc | GBP 9.23 | 34.4% | 8.0 | 1.6 | 1.9% | 78 |
| V Visa Inc. | USD 422.59 | 33.3% | 8.9 | – | 0.2% | 100 |
| AGS.BR ageas SA/NV | EUR 77.50 | 32.6% | 8.1 | 1.5 | 5.0% | 76 |
| NWG.L NatWest Group plc | GBP 5.87 | 30.2% | 8.2 | 1.3 | 5.0% | 88 |
| SYF Synchrony Financial | USD 74.07 | 29.9% | 7.2 | 1.4 | 2.1% | 100 |
| Peer median | 7.6 | 1.4 | ||||
Dividends
Paid in the last 12 months: USD 1.00 per share · yield 1.05% at the current price.
| Year | Dividends per share |
|---|---|
| 2026 (so far) | 0.750 |
| 2025 | 1.000 |
| 2024 | 1.000 |
| 2023 | 1.000 |
| 2022 | 1.000 |
| 2021 | 0.890 |
Annual financial statement
Saved annual report · Fiscal year 2025 · SEC EDGAR annual filings · period ended 31 Dec 2025
| Revenue | USD 7,705,878,000 |
|---|---|
| EBITDA | USD 2,983,832,000 |
| EBIT | USD 1,754,624,000 |
| Net income | USD 1,400,107,000 |
| Free cash flow | USD 2,038,823,000 |
| Capital expenditures | USD -617,769,000 |
| Debt | USD 21,551,201,000 |
| Cash | USD 8,336,402,000 |
| Working capital | USD 5,145,827,000 |
| Shares outstanding | 242,008,000 |
| Reported dividends per share | USD 1.0000 |