GPN · NYSE · STOCK
Global Payments (GPN) Stock Analysis
$82.20
52W $61.16 – $95.88
60/100
$20.41B
-21.1
0.81
Is GPN Bullish or Bearish?
Bullish.
Innellis AI committee rates Global Payments (GPN) Buy with a composite score of 60/100
, based on 5 analysts with 60% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.39 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 — -4.61 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
Supporting evidence favours the bullish case. The main limiting factor is sector concentration is already high (hhi 2796.97). 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
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- ROE of only -4.0% -- cheap may mean cheap for a reason — Value
- MACD histogram negative -- bearish momentum — 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 October 10, 2026
Overall Committee Score
60/100
Agreement
60%
Analysts
5
Conviction
Moderate
Sector Rank
Top 50%
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
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− MACD histogram negative -- bearish momentum
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
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 59.6 to 59.6.
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
45.5
Neutral
MACD Histogram
-0.091
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$82.00
Resistance
$82.63
Bollinger %B
0.34
Inside Bands
Price vs Moving Averages
EMA 9
$82.26
Below
EMA 21
$83.96
Below
EMA 50
$84.60
Below
EMA 200
$80.24
Above
Fundamental Analysis
Valuation
100
Growth
67
Profitability
39
Financial Health
39
Cash Flow
70
Valuation
P/E Ratio
-21.1×
P/B Ratio
0.92×
PEG Ratio
0.16
Dividend Yield
1.22%
52W High
$95.88
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 -21.1 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; 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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