GPN · NASDAQ · STOCK
Global Payments
$85.30
52W $61.16 – $90.85
59/100
$21.38B
-22.1
0.78
Is GPN Bullish or Bearish?
Mixed.
Innellis AI committee rates Global Payments (GPN) Watch with a composite score of 59/100
, based on 6 analysts with 67% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +1.23 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -18.77 from today. The band boundary is 45.0, 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 market regime is bullish (bull market -- normal position sizing). The main limiting factor is bollinger bandwidth of 20.8% signals elevated volatility. 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
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- ROE of only -4.0% -- cheap may mean cheap for a reason — Value
- Bollinger bandwidth of 20.8% signals elevated volatility — Risk
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 09, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 70%
of 142 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
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 20.8% signals elevated volatility
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 58.8 to 58.8.
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
56.7
Neutral
MACD Histogram
0.037
Bullish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Mixed
Support
$82.00
Resistance
$89.51
Bollinger %B
0.69
Inside Bands
Price vs Moving Averages
EMA 9
$85.99
Below
EMA 21
$82.78
Above
EMA 50
$77.85
Above
EMA 200
$76.30
Above
Fundamental Analysis
Valuation
100
Growth
67
Profitability
39
Financial Health
39
Cash Flow
70
Valuation
P/E Ratio
-22.1×
P/B Ratio
0.97×
PEG Ratio
0.16
Dividend Yield
1.16%
52W High
$90.85
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 -22.1 (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 (1.05); 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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