GPN · Intrinsic value
Is Global Payments Inc. (GPN) overvalued or undervalued?
As of Oct 19, 2026, TickerWorth's valuation lenses put Global Payments Inc. (GPN) at $21.66 – $258.88, too broad a range to say where the delayed market price of $83.84 sits in it, so we do not call it over- or undervalued. It is a model estimate, and every input behind it is sourced below.
Model by Miraaj Patel · generated from SEC filings and market data · Updated Oct 19, 2026 · How these pages are made
What is GPN worth?
- Fair-value range
- $21.66 – $258.88
- Market price
- $83.84
- Gap to fair value
- —
- Verdict
- Too wide to call
Reverse DCF: Today's price implies revenue growth of 8.1% a year for 5 years; our model assumes 16.6% a year on average over the same horizon.
What is GPN's TickerWorth Score?
Cheap against our estimate — but a weaker business
Compared with Industrials companies in US
Its strongest point: trades below our estimate of what it's worth. Its weakest: balance sheet looks stretched.
- Value · 74 of 100
Cheaper than 74% of Industrials companies in US
- Price vs worth · 100 of 100
- Quality · 45 of 100
More profitable than 45% of Industrials companies in US
- Financial health · 29 of 100
Financially stronger than 29% of Industrials companies in US
- Growth · 64 of 100
Growing faster than 64% of Industrials companies in US
- Momentum · 57 of 100
Outperformed 57% of Industrials companies in US over the past year
Confidence: Medium confidence · Scored
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Why GPN gets a range, not one number
At a recent price of $83.84, Global Payments Inc. (GPN) sits inside a range too wide to call either way: our valuation lenses put the business somewhere between $21.66 and $258.88 per share. They disagree too widely for us to state a single fair value. We publish the range rather than a midpoint because a number that precise would claim more than the methods can support. This is an educational model, not a price target or a recommendation.
Read the full reasoning
The valuation discounts Global Payments Inc.'s projected free cash flows at a weighted-average cost of capital (WACC) of 7.2%, with a long-run terminal growth rate of 2.5%. About 81% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.
Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly 8.1% annual revenue growth for GPN. Our base case instead compounds to about 16.6% a year over the same forecast, so the market is pricing in slower growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.
Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, GPN's modeled DCF value ranges from about $82.02 to $364.18 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.
How to read this page: the DCF fair value is what Global Payments Inc. would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of GPN's intrinsic value. Figures update as new filings and prices come in.
Every input behind GPN's DCF
| Input | Value |
|---|---|
| Base-year revenueGLOBAL PAYMENTS INC. FY2025 10-K (accession 0001123360-26-000008): us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, FY2025 full year. | $7,705,880,000 |
| Base EBIT marginGLOBAL PAYMENTS INC. FY2025 10-K (accession 0001123360-26-000008): us-gaap:OperatingIncomeLoss 1,754,624,000 / revenue 7,705,878,000 = 22.77%, FY2025. | 22.8% |
| Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast | 30% → 24% → 17% → 10% → 4% |
| Risk-free rateLive feed — US 10-year Treasury yield (^TNX) | 5.1% |
| BetaLive feed — yfinance, 5-year monthly beta vs the S&P 500 (clamped to 0.4–2.5) | 0.81 |
| Terminal growthESTIMATEAssumption — TickerWorth house default 2.5%, held below WACC | 2.5% |
| Diluted sharesGLOBAL PAYMENTS INC. FY2025 10-K (accession 0001123360-26-000008): WeightedAverageNumberOfDilutedSharesOutstanding = 242,008,000 shares, FY2025. | 242M |
| Market priceLast known price · as of 2026-10-19 21:42 UTC | $83.84 |
Change GPN's assumptions
The discount-rate dial and the editable model
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What does Global Payments Inc. do?
What does it do?
Global Payments Inc. provides payment technology and software solutions for card, check, and digital-based payments in the Americas, Europe, and the Asia-Pacific. It operates in the Specialty Business Services industry (Industrials sector), headquartered in United States. The company employs roughly 26,000 people.
How does it make money?
The business turns $7.7B in annual revenue into profit. Out of every $100 of sales, about $16 is left as operating profit (operating margin of 16.1%), after a 64% gross margin on the products/services it sells. After all costs, taxes and interest, -9.2% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks stretched: carries modest debt (1.0× equity), may struggle to cover its short-term bills (0.8× current ratio), and is currently lossmaking.
Who at GPN filed insider trades?
| Date | Insider | Relationship | What happened | Value | Filing |
|---|---|---|---|---|---|
| Cortopassi Robert M | President and COO | Shares withheld (tax) | $71,049.00 | Form 4 for Cortopassi Robert M (opens sec.gov in a new tab) | |
| Cortopassi Robert M | President and COO | Shares withheld (tax) | $260,778.75 | Form 4 for Cortopassi Robert M (opens sec.gov in a new tab) | |
| Bready Cameron M | Director, Chief Executive Officer | Option exercise | $724,425.98 | Form 4 for Bready Cameron M (opens sec.gov in a new tab) | |
| Bready Cameron M | Director, Chief Executive Officer | Shares withheld (tax) | $783,043.17 | Form 4 for Bready Cameron M (opens sec.gov in a new tab) | |
| Bready Cameron M | Director, Chief Executive Officer | Shares withheld (tax) | $173,331.62 | Form 4 for Bready Cameron M (opens sec.gov in a new tab) | |
| Steele-Belkin Dara L. | Chief Legal Officer | Shares withheld (tax) | $170,086.84 | Form 4 for Steele-Belkin Dara L. (opens sec.gov in a new tab) |
A disclosure, not a signal to trade. Source: SEC EDGAR (Form 4). Older filings and the 90-day buying-and-selling read are part of Pro. See plans
Common questions
What is GPN's intrinsic value?
TickerWorth's valuation lenses put Global Payments Inc. (GPN) between $21.66 and $258.88 per share, versus a market price of $83.84. They disagree too widely for us to state a single fair value, so we publish the range.
Is GPN overvalued or undervalued?
At $83.84 the price sits inside a range too wide to call either way. We don't call GPN overvalued or undervalued from a range this wide. This is an educational estimate, not advice.
What discount rate is used for GPN?
A WACC of 7.2% and a terminal growth rate of 2.5%.
Is Global Payments stock undervalued?
TickerWorth's fair-value range for Global Payments Inc. (GPN) is $21.66 – $258.88 against a market price of $83.84. Too wide to call. We publish a range here, not one number, so we do not call it over- or undervalued. This is a model estimate, not investment advice.
Global Payments (GPN) DCF valuation and fair value
Our fair-value range for Global Payments Inc. (GPN) is $21.66 – $258.88, built on a 7.2% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into Global Payments stock?
Today's price implies revenue growth of 8.1% a year for 5 years; our model assumes 16.6% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of $83.84. A model estimate, not investment advice.
Global Payments (GPN) insider trading
The most recent insider filing (SEC Form 4) for Global Payments Inc. (GPN): Cortopassi Robert M, President and COO, shares withheld (tax) on 2026-08-08. The latest filings are listed on this page. A disclosure, not a signal to trade.
Other ways into the coverage
Not investment advice. TickerWorth Score is a model output.
Educational tool. Every output reflects the assumptions shown — not a prediction and not investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public filings and market data that can be wrong.