GPN · NYSE · STOCK
Global Payments (GPN) Stock Analysis
$93.50
52W $61.16 – $95.58
63/100
$23.21B
-24.0
0.78
Is GPN Bullish or Bearish?
Bullish.
Innellis AI committee rates Global Payments (GPN) Buy with a composite score of 63/100
, based on 5 analysts with 80% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.60 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.40 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is price structure making higher highs and higher lows. The main limiting factor is roe of only -4.0% -- cheap may mean cheap for a reason. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Price-to-book of 0.8x is a discount to asset value — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.27 across 19 articles, 14d) — News
Bear Case
- ROE of only -4.0% -- cheap may mean cheap for a reason — Value
- Weekly RSI at 79 -- overbought on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 23, 2026
Overall Committee Score
63/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 29%
of 211 Financial Services peers
Value Analyst
neutral
55
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 0.8x is a discount to asset value
− ROE of only -4.0% -- cheap may mean cheap for a reason
Growth Analyst
bullish
62
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
bullish
68
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 79 -- overbought on the larger timeframe too
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 19 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 63.4 to 63.4.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
68.1
Neutral
MACD Histogram
0.014
Bullish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Mixed
Support
$92.31
Resistance
$113.09
Bollinger %B
0.89
Inside Bands
Price vs Moving Averages
EMA 9
$91.08
Above
EMA 21
$87.93
Above
EMA 50
$82.15
Above
EMA 200
$77.67
Above
Fundamental Analysis
Valuation
100
Growth
67
Profitability
39
Financial Health
39
Cash Flow
70
Valuation
P/E Ratio
-24.0×
P/B Ratio
1.05×
PEG Ratio
0.18
Dividend Yield
1.07%
52W High
$95.58
52W Low
$61.16
Quality & Growth
ROE
611.7%
ROA
262.5%
Gross Margin
6388.9%
Operating Margin
1185.1%
Revenue Growth YoY
—
Debt / Equity
0.97
AI Fundamental Assessment
P/E ratio of -24.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 6.1%; Return on assets of 2.6%; Net margin of -9.4%; Gross margin of 63.9%; Current ratio of 0.82 (tight short-term liquidity); Debt-to-equity of 0.97; Free cash flow per share is positive (3.17); Most recent quarter missed estimates by 0.6%; EPS growth accelerating (-6.9% -> +16.9% QoQ); Average YoY EPS growth of 11.6%; Analyst estimates rising over recent quarters
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