How profitable is Global Payments Inc. (GPN)?

In FY 2025 (10-K), GPN converted $7.7B of revenue into a 72.6% gross margin, 22.8% operating margin, and $2.3B in free cash flow (30% FCF margin).

Stock Ratings / Consumer Discretionary / GPN / financials

CPAY (66) TCOM (56) FISV (60) BR (77) ⌘ Pro Terminal →

Global Payments Inc. (GPN) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$99.63 +2.88% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $99.96

Global Payments Inc. (GPN) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $25.63B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on GPN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GPN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Global Payments Inc. (NYSE: GPN) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $99.63 (+2.88% 1D, market cap $25.63B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 20/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1009 tracked Consumer Discretionary issuers, GPN ranks #163 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GPN compare to CPAY and TCOM in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Business Services), GPN carries a Roarable C+ (69/100 RQD), trailing P/E of 16.2x, gross margin of 72.6%, and ROIC of 5.1%. By comparison, CPAY (Corpay Inc.) holds a C+ grade (66/100 RQD, P/E 24.4x, ROIC 23.2%, cap $26.33B) and TCOM (Trip.com Group Limited) posts a D+ grade (56/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.93B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GPN?

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Per GPN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001123360), Global Payments Inc. generated $7.71B in revenue (-0.4% YoY), $1.40B in net income, and $2.31B in free cash flow against $53.34B in total assets and $13.30B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $99.96 (+0.33%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 30% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GPN)Realized 20D OHLCV Swing Band: ±9%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY GPN SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+20/20 pts (29% of score)

20D Institutional Volume Accumulation (±9% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 22.8% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$80.89+3.3% Next Q

Q2 (-2Q)

Grade C+$83.53+0% Next Q

Q3 (-1Q)

Grade B-$83.55+19.2% Next Q

Current

Grade C+$99.63+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GPN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, GPN faces multiple-compression risk if 16.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 70.1% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($86.03) or 200D SMA ($77.16) invalidates the momentum regime and cuts Target Base ($104.56) toward Bear Floor ($81.56).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GPN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “GPN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How GPN Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$2.31B (30% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $7.38B

FY24

Rev $7.74B

FY25

Rev $7.71B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$7.71B	72.6%	22.8%	$1.40B	$2.31B	5%
FY 2024	$7.74B	73.7%	25.5%	$1.57B	$2.71B	5.1%
FY 2023	$7.38B	72.6%	17.8%	$986.2M	$2.22B	13.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring GPN)

✓Walkthrough of GPN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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GPN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +38.76%⚡ TESTING RESISTANCE

2026-11-03O $85.72H $99.63L $85.72C $99.63VOL 16.73M

RES: $101.6SUP: $81.88SMA50: $86.03SMA200: $77.16

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GPN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GPN Butterfly Map → + Track GPN →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.8%/yr Implied 5Y Growth

vs. -0.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on GPN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GPN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for GPN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GPN)

Consumer Discretionary Rank #163 of 1009 ⚔️ CPAY vs GPN Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (GPN vs. CPAY, TCOM, FISV, BR)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Global Payments Inc. (GPN) ranks #163 by composite RQD confidence (69/100, grade C+) and #77 by equity capitalization ($25.63B). Within this direct 5-issuer industry benchmark cohort, TCOM leads on earnings valuation at 5.1x trailing P/E, while CPAY leads on capital efficiency and profitability with 23.2% ROIC and — gross margin. BR currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with GPN at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
GPN ACTIVE Global Payments Inc.	C+	69/100	16.2x	72.6%	5.1%	+2.88%	$25.63B	Benchmark Subject
CPAY Corpay Inc.	C+	66/100	24.4x	—	23.2%	+2.08%	$26.33B	/cpay-vs-gpn →
TCOM Trip.com Group Limited	D+	56/100	5.1x	80.6%	8.8%	+3.52%	$24.93B	/tcom-vs-gpn →
FISV Fiserv Inc.	C-	60/100	7.4x	—	9.6%	+3.82%	$26.60B	/fisv-vs-gpn →
BR Broadridge Financial Solutions Inc.	B+	77/100	24.0x	31.0%	18.1%	+3.02%	$20.19B	/br-vs-gpn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001123360 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Global Payments Inc. (GPN) reported GAAP revenue of $7.71B (-0.4% vs. FY2024 revenue of $7.74B , and +4.4% cumulative change since FY2023) , GAAP net income of $1.40B, operating cash flow of $2.66B, and free cash flow of $2.31B (-14.7% YoY). On the balance sheet, GPN closed FY2025 with $53.34B in total assets against $13.30B in total debt (Altman Z-Score: 0.99, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$7.71B	$1.40B	$2.66B	$2.31B	$53.34B	$13.30B
FY2024 (FY)	2024-12-31	$7.74B	$1.57B	$3.06B	$2.71B	$46.89B	$10.74B
FY2023 (FY)	2023-12-31	$7.38B	$986.2M	$2.55B	$2.22B	$12.48B	$2.92B

3. GPN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GPN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does GPN compare to CPAY and TCOM in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for GPN?

Where is GPN trading relative to its 50-day, 200-day, and 52-week technical levels?

GPN last traded at $99.63 (+2.88% on volume of 5,752,772 shares), positioning the stock +15.81% above its 50-day simple moving average ($86.03) and +29.12% above its 200-day simple moving average ($77.16). Across its 52-week range of $61.16 to $101.32, GPN sits at the 95.8% percentile with a 14-day RSI of 63.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.0% ($90.66 to $108.60).

Direct Sub-Reports: GPN RQD Cockpit GPN 12M Forecast GPN Earnings & Move GPN Dividends & DRIP GPN Insiders & 13F GPN Whale Options GPN Profit Sankey GPN News & Why

ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

GPN — Global Payments Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Global Payments Inc. (GPN) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $99.63 (+2.88% 1D, market capitalization $25.63B).

Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 5.1%, gross margin of 72.6%, operating margin of 22.8%, and free cash flow yield of 10.18%.
Whale 13F & Options Flow (20/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (10/20): Incorporates a 1.09x equity beta, Altman Z-Score of 0.99, Piotroski F-Score of 7/9, and Debt/Equity of 0.54x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Global Payments Inc. (GPN) is a NYSE-listed issuer classified under the Consumer Discretionary sector and the Business Services industry. Revenue and margin figures are reported in the financial and market sections below.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Global Payments Inc. (GPN) reported $7.71B in annual revenue (up from $7.74B in FY2024, -0.4% YoY) and $1.40B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($7.38B revenue, $986.2M net income) through FY2025, GPN scaled operating cash flow to $2.66B and free cash flow to $2.31B, backed by $53.34B in total assets against $13.30B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C+ • RQD 69/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 20/20, sustained execution supports upside toward the upper end of the $61.16 – $101.32 52-week range.
🐻 Primary Bear Case & Valuation Risk: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Investors must weigh 16.2x trailing P/E and 13.1x EV/EBITDA against 22.8% operating margins and a 1.09x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply_chain is NONE, butterfly_links is empty, and proprietary_signals is empty. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks cannot be mapped from the source data.

Key Question #1: Can GPN sustain or expand its 22.8% operating margin and 5.1% ROIC against Business Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $7.71B and free cash flow of $2.31B, how will capital allocation balance growth reinvestment against $13.30B in total debt?
Key Question #3: How sensitive is GPN's 15.1x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.09x)?

GPN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Global Payments Inc. (GPN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to GPN Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 21h ago

Global Payments (GPN) Stock Looks Fully Priced On Current Earnings

Yahoo Finance report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Investing.com • 1d ago

Global Payments jumps 12% on report of potential $40 billion buyout

Investing.com report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST MarketWatch • 1d ago

Global Payments Inc. stock outperforms competitors on strong trading day

MarketWatch report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Cassandra Unchained | Michael Burry • 1d ago

Trading Post November 2, 2026: Global Payments Buyout Report Juices Payments Stocks, The Retail Trade, Hong Kong Calling Once Again

Cassandra Unchained | Michael Burry report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

Global Payments surges on report CD&R pursuing takeover (GPN:NYSE)

Seeking Alpha report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Global Payments (GPN) Upgrade Puts Fair Value Back In Focus

Yahoo Finance report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Investing.com • 1d ago

KeyBanc upgrades Global Payments stock rating on capital return outlook

Investing.com report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Will Global Payments (GPN) Beat Estimates Again in Its Next Earnings Report?

Yahoo Finance report covering Global Payments Inc. (GPN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

GPN Bull vs. Bear Conversation Board — What's Your Call at $99.63?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON GPN 🐻 33% BEARISH CONVICTION

DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $118.14 (+22.0%)

📌 Pinned Debate

Insider Conviction pillar scores 17/20 and FCF yield is 10.18%, pointing to strong cash generation and insider support.

Picked up a starter position in GPN in my $100K Virtual Cash book at $96.84. Insider Conviction pillar scores 17/20 and FCF yield is 10.18%, pointing to strong cash generation and insider support.. Trading inside a $61.16–$101.32 52-week range with 10.18% FCF yield gives solid downside support if Business Services multiples expand this quarter.

VolSurface_Trader 🐂 BULL

Both sides have a point here — GPN's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $78.44 (-19.0%)

Spot @ $96.84

Altman Z-Score of 0.99 and total debt rising from $2.92B to $13.30B raise balance-sheet distress concerns.

Careful chasing GPN at $96.84. Altman Z-Score of 0.99 and total debt rising from $2.92B to $13.30B raise balance-sheet distress concerns.. Gross margin is 72.6%, but operating margin is 22.8%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $78.44 on multiple compression.