Global Payments Inc.
- Open
- 93.76
- Day high
- 95.17
- Day low
- 93.26
- Prev close
- 92.81
- Volume
- 74K
- Mkt cap
- $24.8B
- P/E (TTM)
- —
- EPS (TTM)
- —
- P/B
- 1.1
- P/S
- 2.4
- Yield
- 1.07%
- Per share
- $1.00
Global Payments Inc. (GPN) is a Industrials company listed on NYSE. The stock is up 7% over the past year. Drillr has 1 published research article covering GPN.
Global Payments Inc. (GPN) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 12 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
GPN earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Aug 5, 2026 | $3.44 | $3.46 | +0.6% | $3.2B | -0.1% |
| May 6, 2026 | $2.82 | $2.96 | +5.0% | $2.9B | +1.5% |
| Feb 18, 2026 | $3.18 | $3.18 | +0.0% | $1.9B | -34.5% |
| Nov 4, 2025 | $3.23 | $3.26 | +0.9% | $2.0B | -16.7% |
| Aug 6, 2025 | $3.05 | $3.10 | +1.6% | $2.0B | -17.1% |
| Feb 13, 2025 | $2.98 | $2.95 | -1.0% | $2.5B | +9.0% |
| Oct 30, 2024 | $3.09 | $3.08 | -0.3% | $2.6B | +9.3% |
| May 1, 2024 | $2.57 | $2.59 | +0.7% | $2.4B | +10.5% |
| Feb 14, 2024 | $2.63 | $2.65 | +0.7% | $2.4B | +11.0% |
| Oct 31, 2023 | $2.71 | $2.75 | +1.4% | $2.5B | +10.7% |
| Aug 1, 2023 | $2.58 | $2.62 | +1.6% | $2.5B | +12.0% |
| May 1, 2023 | $2.30 | $2.40 | +4.3% | $2.3B | +14.2% |
GPN insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 11, 2026 | Cortopassi Robert Mofficer: President and COO | Tax | 825 | $86.12 |
| Aug 6, 2026 | Cortopassi Robert Mofficer: President and COO | Tax | 2,955 | $88.25 |
| Jul 31, 2026 | Bready Cameron Mdirector, officer: Chief Executive Officer | Option | 9,703 | $74.66 |
| Jul 31, 2026 | Bready Cameron Mdirector, officer: Chief Executive Officer | Tax | 8,871 | $88.27 |
| Jun 2, 2026 | Bready Cameron Mdirector, officer: Chief Executive Officer | Tax | 2,297 | $75.46 |
| Jun 2, 2026 | Steele-Belkin Dara L.officer: Chief Legal Officer | Tax | 2,254 | $75.46 |
| May 4, 2026 | MCDANIEL CONNIE Ddirector | Grant | 3,179 | — |
| May 4, 2026 | WOODS M TROYdirector | Grant | 3,939 | — |
| May 4, 2026 | Arroyo F. Thaddeusdirector | Grant | 3,179 | — |
| May 4, 2026 | Deskus Archanadirector | Grant | 3,179 | — |
| May 4, 2026 | BRUNO JOHN Gdirector | Grant | 3,179 | — |
| May 4, 2026 | PLUMMER WILLIAM Bdirector | Grant | 3,179 | — |
| May 4, 2026 | Sankaran Vivekdirector | Grant | 3,179 | — |
| May 4, 2026 | Osnoss Josephdirector | Grant | 3,179 | — |
| May 4, 2026 | JOHNSON JOIA Mdirector | Grant | 3,179 | — |
Source: GPN SEC Form 4 filings, latest Aug 11, 2026. For informational purposes only — not investment advice.
See the full GPN insider & 13F page →Global Payments Inc. company profile
Overview
Global Payments Inc. (NYSE:GPN) is a leading payment technology and software solutions provider founded in 1967 and headquartered in Atlanta, Georgia. The company went public in 2001 and has grown through strategic acquisitions and organic expansion to become a major player in the global payments ecosystem. Global Payments operates across the Americas, Europe, and Asia-Pacific, serving merchants, financial institutions, and consumers through three primary business segments: Merchant Solutions, Issuer Solutions, and Business and Consumer Solutions.
Business
Global Payments operates in the financial technology sector, specifically focused on payment processing and related software solutions. The company facilitates electronic transactions between consumers, businesses, and financial institutions through sophisticated payment infrastructure and technology platforms. The Merchant Solutions segment represents the largest portion of the business, generating approximately 70% of total revenue. This division provides payment processing services to businesses of all sizes, enabling them to accept various forms of payment including credit cards, debit cards, and digital payments. The segment offers authorization services (verifying that transactions are legitimate), settlement and funding services (ensuring money moves from customer accounts to merchant accounts), point-of-sale software solutions, and value-added services like analytics and payroll management. A key component is their integrated payments approach, where payment processing is embedded directly into business software applications, creating a seamless experience for merchants. The Issuer Solutions segment, contributing roughly 20% of revenue, serves financial institutions and retailers by providing the technology infrastructure needed to manage credit and debit card programs. This includes issuing cards, managing cardholder accounts, processing transactions, and providing fraud detection services. The segment also offers commercial payment solutions for businesses and governments, helping them manage expenses and supplier payments electronically. The Business and Consumer Solutions segment, accounting for approximately 10% of revenue, focuses on prepaid card programs and financial services for underbanked consumers and businesses. Operating primarily under the Netspend brand, this division provides reloadable prepaid debit cards, payroll cards, and basic banking services to consumers who may not have access to traditional banking relationships.
Competitive moat
Global Payments possesses a moderate but meaningful competitive moat built primarily around network effects, switching costs, and operational scale. The company's payment processing infrastructure creates network effects where merchants benefit from accepting widely-used payment methods, while financial institutions and consumers benefit from broad merchant acceptance. This creates a self-reinforcing cycle that becomes more valuable as the network grows. Switching costs represent another significant moat component. For merchants, changing payment processors involves technical integration work, staff retraining, and potential business disruption. For issuer clients, switching involves migrating millions of cardholder accounts and complex system integrations that can take years to complete. The company's integrated payment solutions, where processing is embedded directly into merchant software, create particularly high switching costs and customer stickiness. The company's operational scale provides cost advantages in negotiating with card networks, spreading technology development costs across a large customer base, and maintaining the robust infrastructure required for payment processing. Processing billions of transactions annually requires significant technological capabilities and regulatory compliance that creates barriers for smaller competitors. However, the moat faces meaningful challenges. Large technology companies like Square, Stripe, and PayPal have disrupted traditional payment processing with more user-friendly interfaces and competitive pricing. Cloud-based fintech solutions can potentially reduce switching costs and enable faster innovation cycles. Regulatory changes, particularly around interchange fees or open banking initiatives, could reduce barriers to entry or compress industry margins. The company's moat is strongest in complex enterprise solutions and regulated issuer services, but faces more competition in small business merchant services where switching costs are lower.
Risks & safety
The company demonstrates solid financial stability with manageable risks, though leverage levels require monitoring. • **Liquidity and Cash Flow**: Strong cash generation with $2.9 billion free cash flow in 2024 and $2.5 billion cash on hand. Operating cash flow of $3.5 billion provides substantial liquidity cushion. • **Debt Management**: Debt-to-equity ratio of 0.75x indicates moderate leverage. Management targets reducing leverage to low-3x EBITDA levels, suggesting disciplined capital structure management. • **Valuation Metrics**: Trading at 18.2x trailing P/E and 9.7x EV/EBITDA, representing reasonable but not deeply discounted valuations. Current ratio of 0.97x shows tight but manageable short-term liquidity. • **Business Resilience**: Diversified revenue streams across geographies and verticals provide stability. Recurring transaction-based revenue model offers predictable cash flows. • **Strategic Execution Risk**: Major pending Worldpay acquisition and ongoing business transformation initiatives introduce execution risk, though management has demonstrated successful integration capabilities historically.
Recent development
Global Payments has undergone significant strategic transformation over the past few years, focusing on simplifying its business model and positioning for accelerated growth. The company launched a comprehensive transformation agenda that involved reimagining its mission, vision, and values while streamlining operations and consolidating technology platforms. A major strategic pivot involved divesting non-core assets, including the sale of AdvancedMD for $1.125 billion, the Netspend consumer portfolio, and gaming solutions business. The company is targeting approximately $500-$600 million in revenue divestitures to focus on higher-growth, more strategic opportunities. Simultaneously, Global Payments has been consolidating its point-of-sale solutions under the unified Genius brand, launching Genius Restaurant and Retail solutions with plans for global expansion. The most significant recent development is the announced acquisition of Worldpay, which represents a transformational deal aimed at creating a pure-play merchant commerce solutions provider. The transaction is expected to generate $12.5 billion in combined adjusted net revenue and $6.5 billion in adjusted EBITDA, with anticipated synergies of $600 million in cost savings and $200 million in revenue synergies. This acquisition would significantly enhance Global Payments' global scale and distribution capabilities while increasing annual investment capacity to over $1 billion. The company has also been investing heavily in technology modernization and sales force transformation. Management has consolidated technology teams, unified the global Merchant Solutions business, and implemented new go-to-market strategies. These transformation initiatives are expected to deliver over $600 million in annual run-rate operating income benefits by 2027, with management targeting 100-200 basis points of margin expansion and high single-digit revenue growth.
GPN company profile · for informational purposes only — not investment advice.
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