NASDAQ · STOCK
Global Payments
$84.10
52W $61.16 – $90.64
48/100
$20.87B
-28.4
0.77
Is GPN Bullish or Bearish?
Mixed.
Innellis AI committee rates Global Payments (GPN) Watch with a composite score of 48/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +12.28 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 — -7.72 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 committee is genuinely divided. Technical Analyst sees a compelling case — macd histogram positive -- bullish momentum. Growth Analyst remains cautious — revenue declining -12.6% yoy -- this is not a growth story right now. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 0.8x is a discount to asset value — Value
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- ROE of only -3.1% -- cheap may mean cheap for a reason — Value
- Revenue declining -12.6% YoY -- this is not a growth story right now — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Bollinger bandwidth of 21.3% 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 July 31, 2026
Overall Committee Score
48/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 95%
of 141 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 -3.1% -- cheap may mean cheap for a reason
Growth Analyst
bearish
25
/ 100 · Moderate confidence
Growth story is weak, decelerating, or inconsistent
− Revenue declining -12.6% YoY -- this is not a growth story right now
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 21.3% signals elevated volatility
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
55
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 47.7 to 47.7.
- New bearish signals: 3 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 5 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 54->61 (+8).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
57.2
Neutral
MACD Histogram
0.491
Bullish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Mixed
Support
$82.00
Resistance
$89.51
Bollinger %B
0.74
Inside Bands
Price vs Moving Averages
EMA 9
$83.71
Above
EMA 21
$80.12
Above
EMA 50
$75.78
Above
EMA 200
$75.75
Above
Fundamental Analysis
Valuation
100
Growth
45
Profitability
0
Financial Health
38
Cash Flow
36
Valuation
P/E Ratio
-28.4×
P/B Ratio
0.85×
PEG Ratio
0.19
Dividend Yield
0.01%
52W High
$90.64
52W Low
$61.16
Quality & Growth
ROE
6.1%
ROA
2.6%
Gross Margin
67.3%
Operating Margin
16.2%
Revenue Growth YoY
—
Debt / Equity
0.99
AI Fundamental Assessment
P/E ratio of -28.4 (inexpensive relative to a 15-40x range); Price-to-book of 0.8x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of -0.1%; Gross margin of 0.7%; Current ratio of 0.79 (tight short-term liquidity); Debt-to-equity of 0.99; Free cash flow margin of 0.6% (thin cash generation); Free cash flow per share is positive (4.43); Most recent quarter beat estimates by 3.7%; EPS growth decelerating (-2.5% -> -6.9% QoQ); Analyst estimates falling over recent quarters
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