Global Payments Inc. (GPN)

FairStock Score: 35/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I view Global Payments as a toll booth on modern commerce, though one facing competition and volatile reported results. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $3.3B but net income was only $13.0M and diluted EPS was $0.05. The prior fiscal Q1 2026, ended 2026-03-31, showed a net loss of $1.8B and diluted EPS of -$6.59. Revenue rose from $2.0B in fiscal Q2 2025, the quarter ended 2025-06-30, to $3.3B in fiscal Q2 2026, while net income fell from $241.6M to $13.0M. For FY2025, ended 2025-12-31, revenue was $7.7B, net income $1.4B, and diluted EPS $5.78; in FY2024, net income was $1.6B and diluted EPS $6.16. At the $81.88 close on 2026-10-13, FairStock calculates a P/E of 38.81, P/B of 0.94, and an ASSET PLAY Lynch category because it trades at 0.94 times book. But FairStock's Graham Number is $64.25, so the price is 27.44% above that value. Returns are weak: ROE 2.43% and ROCE 2.33%. Debt to equity is 0.98 and the Altman Z-Score is 0.44, suggesting balance-sheet risk, even with a Piotroski F-Score of 8/9, $822.7M of trailing free cash flow, and a 3.8% FCF yield. The business has scale and switching costs in payment processing and software, but it is not a monopoly. I would want evidence that margins and returns can recover before calling this a bargain.

In plain English: Global Payments helps businesses accept card, digital, and other payments and sells related software. It is still a large business that generates cash, but recent reported profits have been very uneven and one quarter had a big loss. At the recent price, the shares look expensive compared with the company's earnings and simple asset value, so the numbers do not show an obvious bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer