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GPN · NYSE · United States · Services-Business Services, Nec
In shortGLOBAL PAYMENTS INC is profitable, generates cash and carries moderate debt, with revenue stable (−0.4% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 22.8% | 93/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 18.2% | 93/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 6.2% | 31/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 3.2% | 21/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.69× | 74/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.94× | 59/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 4.40× | 0/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 2.77× | 12/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 2.03 | 24/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 26.5% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.46× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 2 of 5 | 33/100 |
| Revenue growth volatility | 12.0% | 67/100 |
| Operating margin volatility | 7.1% | 45/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -5.0% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | 143.6% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 8,524 | 8,976 | 7,380 | 7,736 | 7,706 |
| Cost of revenue | 3,774 | 3,779 | 2,068 | 2,033 | 2,113 |
| Gross profit | 4,750 | 5,197 | 5,311 | 5,702 | 5,592 |
| Selling, general & admin | 3,391 | 3,525 | 3,859 | 4,001 | 4,121 |
| Operating income | 1,359 | 640 | 1,316 | 1,975 | 1,755 |
| Interest expense | 328 | 437 | 628 | 608 | 634 |
| Pre-tax income | 1,045 | 224 | 782 | 1,530 | 1,260 |
| Income tax | 169 | 167 | 187 | 242 | 252 |
| Net income | 965 | 111 | 986 | 1,570 | 1,400 |
| Diluted EPS | $3.29 | $0.40 | $3.77 | $6.16 | $5.78 |
| Diluted shares (millions) | 294 | 276 | 262 | 255 | 242 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of GLOBAL PAYMENTS INC are included in the Investor plan. Try free for 7 days →
2.03 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 5, 2026