InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$83.67

2026-10-16

Market Cap

$22.1B

Volume

2.7M

52-Wk High

$95.88

52-Wk Low

$61.16

Trailing PE

-21.5

P/S

2.17

Gross Margin

63.9%

Net Margin

-9.4%

ROE

-4%

ROIC

2%

Piotroski

2/9

Altman Z

0.6

1-Yr Return

+1.3%

5-Yr Return

-44.9%

Global Payments Inc. is a prominent provider of payment technology and software solutions, facilitating transactions across various forms including card, electronic, check, and digital payments. Its operations span the Americas, Europe, and the Asia-Pacific regions. The company's business is structured into three primary divisions: Merchant Solutions, Issuer Solutions, and Business and Consumer Solutions. The Merchant Solutions segment offers a comprehensive array of services designed to support businesses in managing their payment processing. These services include transaction authorization, settlement, funding, customer support, chargeback resolution, terminal rental and deployment, robust payment security, consolidated billing, and online reporting. Furthermore, this segment delivers specialized enterprise software solutions that help customers in diverse vertical markets streamline their business operations. It also provides various value-added services, such as point-of-sale (POS) systems, analytics and engagement tools, and even payroll and human capital management services. The Issuer Solutions segment empowers financial institutions and retailers by providing them with platforms to efficiently manage their card portfolios. Additionally, it supplies commercial payment and ePayables solutions specifically for businesses and government entities. Through its Business and Consumer Solutions segment, operating notably under the Netspend brand, the company addresses the financial needs of the underbanked, other consumers, and various businesses. This segment's offerings comprise general-purpose reloadable prepaid debit cards, payroll cards, demand deposit accounts, and other related financial services. Global Payments distributes its products and services through a multifaceted sales and marketing approach, leveraging its direct sales force, trade association partnerships, agent and enterprise software provider networks, referral arrangements with value-added resellers, and independent sales organizations. Founded in 1967, Global Payments Inc. is headquartered in Atlanta, Georgia.

SectorFinancial ServicesIndustryFinancial - Credit ServicesExchangeNYSEMarket Cap$22.1BEmployees26,000 (SEC-filed)CEOCameron BreadyIPO2001-01-16CountryUS

3550 Lenox Road, Atlanta, GA 30326 · Tel 770 829 8000 · globalpayments.com/en-ap

INSIDERSTREET SCORE23 / 100Street mean $103.82 (17 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALCOMP-PLAN ACTIVITY ONLYexercises and tax withholding only

1 Year vs S&P 500 · GPN +1.3% · S&P 500 +15.9% · spread -14.6pp

7 Years vs S&P 500 · GPN -44.9% · S&P 500 +189.9% · spread -234.8pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE23of 100

Score Breakdown

Profitability	24/100
Growth	44/100
Momentum	44/100
Quality	40/100
Earnings Quality	48/100
Balance Sheet	36/100
Value	49/100
Risk (safety)	100/100
Overall	22.5/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
AFRM	67
SYF	56
SOFI	11
ALLY	44
PYPL	64
FCFS	72
GPN	23

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 56 in 24 Q3, latest 23 — -33 since. Dropped below the 25 line in 26 Q1, at 18. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY23 / 100IS Score 22.5 / 100 · -33.3 from peak of 56

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTURENEUTRALTechnical Score 48 / 100 · Power -5 · 12 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit below the midpoint — business quality at 23 and price structure at 48 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 22.5	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 55 → 40 → 18 → 23	the direction matters more than the level
Technical vote share back above 50%	now 73%	price structure no longer broken
Institutional holder count rises two quarters running	peak 940 → now 799	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

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This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score2 of 4top 13% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)0 buysnone disclosed

Insider Buys (180d)0none disclosed

ETF Funds (30d)882 up / 842 downnet +40 funds

Institutions Added (13F)-2managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 940 · latest 799 (-141 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	799	283.9M	$20.4B	109.4%
2026 Q1	801	262.5M	$17.5B	101.2%
2025 Q4	839	223.9M	$17.1B	86.3%
2025 Q3	817	217.7M	$17.9B	83.9%
2025 Q2	803	220.4M	$17.5B	85.0%
2025 Q1	874	225.3M	$21.5B	86.8%
2024 Q4	925	225.2M	$24.5B	86.8%
2024 Q3	891	229.5M	$22.6B	88.5%
2024 Q2	894	230.4M	$21.6B	88.8%
2024 Q1	940	233.2M	$29.3B	89.9%
2023 Q4	907	229.7M	$27.4B	88.5%
2023 Q3	845	229.5M	$25.0B	88.5%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

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Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Cortopassi Robert M	President and COO	2026-08-08	TAX W/H	825	$0.07M	87,026
Cortopassi Robert M	President and COO	2026-08-04	TAX W/H	2,955	$0.26M	87,851
Bready Cameron M	director, Chief Executive Officer	2026-07-29	EXERCISE	9,703	$0.72M	441,661
Bready Cameron M	director, Chief Executive Officer	2026-07-29	TAX W/H	8,871	$0.78M	432,790
Bready Cameron M	director, Chief Executive Officer	2026-07-29	EXERCISE	9,703	$0.72M	0
Steele-Belkin Dara L.	Chief Legal Officer	2026-06-01	TAX W/H	2,254	$0.17M	46,527
Bready Cameron M	director, Chief Executive Officer	2026-06-01	TAX W/H	2,297	$0.17M	431,958
Osnoss Joseph	director	2026-05-01	A-Award	3,179	—	10,902

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
M — Exercises (paired A/D)	1	9,703	$0.7M	None — mechanics
F — Tax withholding	16	43,512	$3.5M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalComp-Plan Activity Only

Open-Market Sells$0.0M0 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-07-08	Robert H.B. Baldwin Jr. Trust	3,800	$0.3M
2026-02-20	David Lawrence Green	1,818	$0.1M
2026-02-19	Green David Lawrence	5,993	$0.5M
2026-02-19	Green David Lawrence	9,243	$0.7M
Trailing 12 mo	9 filings	40,711	$3M

Filed	Form	Reporting person	% of class	Shares
2026-04-29	SCHEDULE 13G	Vanguard Capital Management	6.17%	17.0M sh
2026-03-26	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change
2026-01-12	SCHEDULE 13G	GTCR Investment XIV LLC	15.45%	43.3M sh

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Member	Chamber	Trade	Size band	Traded	Disclosed
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-05-15	2026-06-09
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-05-15	2026-06-09
Gilbert Ray Cisneros	House	SELL	$1,001 - $15,000	2026-05-14	2026-06-09

House 12-Mo19 trades9 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)801

13F Shares263M101.2% of shares out

New / Closed103 / 123positions, QoQ

Increased / Reduced342 / 246positions, QoQ

Put/Call (13F)0.83option positions

Free Float83.0%220M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	182,162	$15M
Schaper Benz & Wise Investment Cou	73,025	$6M
Sound Income Strategies, Llc	72,744	$6M
Fjarde Ap-Fonden /Fourth Swedish N	69,529	$6M
Mn Services Vermogensbeheer B.V.	68,307	$6M
Nichols & Pratt Advisers Llp /Ma	66,303	$5M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$686M
VTI	0.0%	$686M
VTSAX	0.0%	$686M
VSMPX	0.0%	$686M
VFIAX	0.0%	$477M
VFINX	0.0%	$477M

13F Filers Holding GPN — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session59.5%2026-10-15

20-Day Avg65.1%50-day 65.0%

TrendRising20d vs 50d

By Market CenterQ: 59% · N: 73% · B: 68%latest session

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Weekly Notional ($B)

Where GPN Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	3.9M	58 sh
Ubsa Ubs Ats	3.1M	65 sh
Ebxl Level Ats	2.6M	42 sh
Sgmt Sigma X2	2.2M	53 sh
Mstx Ms Trajectory Cross (Ats-1)	1.8M	52 sh
Mlix Instinct X	1.6M	82 sh

Where a dollar of Global Payments Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
Merchant Solutions	$6.1B	100%

GPN (live moat model)Peer median: AFRM · SYF · SOFI · ALLY · PYPL

Component scores from the live moat model. Peer median illustrative.

Moat score 40/100 — None; primary source Efficient Scale.

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3.8 · Employees (SEC filings)

Officer	Title
Cameron Bready	Chief Executive Officer & Director
Robert Cortopassi	President & Chief Operating Officer
Joshua J. Whipple	Senior EVP & CFO
Ryan Loy	Chief Technology Officer

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)2 of 6recent quarters

Avg Surprise+2.6%

Next Report2026-11-03

Income Quality-1.76OCF ÷ net income

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Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+14.8%	+5.3%	+7.6%	+4.7%	-23.7%
Gross profit	+25.9%	+9.4%	+14.0%	+7.1%	-11.9%
Operating income	+44.6%	+12.6%	+11.9%	+3.3%	-35.6%
Net income	+65.2%	-88.5%	+784.6%	+59.2%	-10.8%

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$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	8.5	9.0	9.7	10.1	7.7
Cost of revenue	3.8	3.8	3.7	3.8	2.1
Gross profit	4.8	5.2	5.9	6.3	5.6
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	3.0	3.2	3.7	4.1	4.1
Operating income	1.8	2.0	2.2	2.3	1.5
EBITDA	3.2	2.4	3.7	4.5	3.4
D&A	1.9	1.8	1.9	2.0	1.4
Pretax income	1.2	0.3	1.2	1.9	1.4
Income tax	0.2	0.2	0.2	0.3	0.3
Net income	1.0	0.1	1.0	1.6	1.4
Diluted EPS ($)	3.29	0.40	3.77	6.16	5.83
Diluted shares (M)	294	276	262	255	240

Operating CF$3B

CapEx$1B

Free cash flow$2B

SBC$0B

Buybacks$1B

Net cash change$6B

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Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	2.0	2.1	2.5	8.3
ST investments	0.0	0.0	0.0	0.0
Receivables (net)	1.0	1.1	1.1	0.8
Total current assets	6.3	8.1	6.0	12.6
PP&E (net)	1.8	2.2	2.3	1.5
Goodwill + intangibles	33.0	36.9	35.2	21.3
Total assets	44.8	50.6	46.9	53.3
Accounts payable	0.2	0.3	0.3	2.7
Short-term debt	2.0	1.7	1.6	2.3
Deferred revenue	0.2	0.2	1.2	0.0
Total current liabilities	6.9	8.1	6.3	7.5
Long-term debt	12.3	15.7	15.2	19.5
Total liabilities	22.3	26.8	23.9	29.6
Shareholders' equity	22.5	23.8	23.0	23.8

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	0.1	1.0	1.6	1.5
D&A	1.7	1.8	1.9	1.4
Stock-based compensation	0.2	0.2	0.2	0.2
Working capital change	(0.7)	(0.7)	0.2	(0.3)
Operating cash flow	2.2	2.2	3.5	2.7
Capital expenditures	(0.6)	(0.7)	(0.7)	(0.6)
Investing cash flow	(0.7)	(4.4)	(0.2)	(0.2)
Buybacks	(3.0)	(0.5)	(1.6)	(1.2)
Dividends paid	(0.3)	(0.3)	(0.3)	(0.2)
Debt issuance / (repay)	2.2	2.8	(0.5)	4.8
Financing cash flow	(1.4)	2.1	(2.8)	3.7
Free cash flow	1.6	1.6	2.9	2.0

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	3.6%	0.5%	4.4%	6.9%	6.2%	-4%
ROA	2.2%	0.2%	2.1%	3.2%	2.8%	-1.5%
ROIC	4.2%	2.6%	5.0%	5.0%	4.1%	1.9%
Gross margin	55.7%	57.9%	61.4%	62.8%	72.6%	63.9%
Operating margin	20.6%	22.0%	22.9%	22.6%	19.1%	11.9%
Net margin	11.3%	1.2%	10.2%	15.5%	18.2%	-9.4%
EBITDA margin	37.9%	27.0%	38.7%	44.7%	44.7%	38.3%
FCF margin	26.8%	18.1%	16.5%	32.1%	24.6%	—
VALUATION
P/E	38.89	229.98	32.93	17.76	13.28	-21.5
P/B	1.46	1.15	1.41	1.25	0.81	0.9
P/S	4.40	2.86	3.36	3.13	2.25	2.17
P/FCF	16.41	15.75	20.42	9.76	9.12	26.9
EV/EBITDA	15.12	15.62	12.78	10.07	8.78	10.0
EV/Revenue	5.59	4.23	4.95	4.73	3.88	3.8
Earnings yield	2.6%	0.4%	3.0%	5.6%	7.5%	-4.40%
FCF yield	6.1%	6.4%	4.9%	10.2%	11.0%	3.72%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	1.06	0.92	0.99	0.97	1.69	0.82
Quick ratio	1.06	0.92	0.99	0.97	1.69	0.82
Debt / equity	0.47	0.64	0.76	0.75	0.95	0.97
Debt / assets	26.7%	31.9%	34.4%	35.9%	40.9%	35.3%
Net debt / EBITDA	3.21	5.06	4.09	3.41	3.69	4.35
Interest coverage	4.01	1.45	2.78	3.81	3.33	—

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.19	0.20	0.20	0.18	0.17	0.16
Receivables turnover	9.80	9.23	9.11	8.09	8.87	2.0
DSO (days)	37	40	40	45	41	186
DPO (days)	19	24	25	39	215	368
Cash conversion cycle	18	16	15	6	-173	-182
GROWTH (YoY)
Revenue growth	14.8%	5.3%	7.6%	-7.8%	-7.1%	—
Net income growth	65.2%	-88.5%	784.6%	59.2%	-10.8%	—
EPS growth	72.1%	-87.5%	801.0%	65.1%	-6.5%	—
FCF growth	21.8%	-28.8%	-2.3%	79.7%	-28.7%	—
PER SHARE ($)
EPS (diluted, TTM)	3.35	0.42	3.78	6.24	5.83	-3.68
Book value / share	88.84	83.86	88.09	88.50	95.30	92.40
Revenue / share	29.55	33.75	36.98	35.37	34.45	39.30
FCF / share	7.93	6.12	6.09	11.35	8.49	3.17
Cash / share	6.86	7.51	8.00	10.08	34.71	20.85
SHAREHOLDER RETURN & SCORES
Buyback yield	6.7%	11.4%	1.4%	5.8%	4.1%	6.05%
Altman Z-Score	1.55	1.01	1.13	1.19	0.93	0.6
Piotroski F-Score	8	6	8	6	6	2/9
Beneish M-Score	-2.53	-2.72	-2.49	-2.73	-3.00	0.45

Model	Score	Zone	Note
Piotroski F-Score	2 / 9	Weak
Altman Z-Score	0.6	Distress (<1.81)	Distress
Income quality	-1.76	Accrual-heavy	OCF ÷ net income
Beneish M-Score	0.45	Elevated	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	-1.35
Interest burden	0.48
Operating margin	14.6%
Asset turnover	0.18×
Financial leverage	2.45×
= ROE	-4%

Growth Quality (live)	Value
Revenue stability	0.70
Earnings stability	0.07
Earnings persistence	0.20
Revenue CAGR 3y	3.2%
EPS CAGR 3y	—
FCF CAGR 3y	-19.7%

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Buyback Yield6.05%

Dividend Yield1.20%

Total Shareholder Return7.29%cash yield

SBC / Revenue0.9%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
AFRM	$22.0B	13.0	45%	—	+29.8%	6/9	+7.2%
SYF	$24.0B	7.5	21%	18.9%	-2.4%	7/9	+5.3%
SOFI	$18.8B	28.5	7%	10.0%	+34.2%	5/9	-45.3%
ALLY	$11.5B	8.8	10%	10.1%	+2.0%	7/9	-1.2%
PYPL	$48.5B	10.6	24%	12.7%	+5.7%	6/9	—
FCFS	$9.3B	24.5	17%	8.7%	+21.6%	7/9	—
OMF	$6.4B	8.4	23%	9.4%	+7.0%	7/9	—
CACC	$5.6B	11.7	32%	23.1%	+3.8%	9/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

63 Analysts

Str Sell (0)Sell (4)Hold (22)Buy (37)Str Buy (0)

Mean Target (qtr)$103.8217 targets

Target vs. Price+24.1%last-quarter mean

Next Report2026-11-03street $3.58

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$12.36B	$12.41B / $12.33B	$13.65	$13.70 / $13.53	22
FY2027	$13.01B	$13.15B / $12.90B	$16.10	$16.96 / $15.66	23
FY2028	$13.64B	$13.99B / $12.71B	$18.82	$30.58 / $7.54	13

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Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$126.00	+50.6%	2
Last Quarter	$103.82	+24.1%	17
Last Year	$95.43	+14.1%	37
All Time	$131.99	+57.8%	95

Rolling mean of published targets vs. last close $83.67. Aggregated from StreetInsider, Benzinga.

Third-Party Composite Rating

B-

DCF

4/5

ROE

1/5

ROA

1/5

Debt/Eq

3/5

P/E

1/5

P/B

4/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

GPN +1.3% vs S&P 500 +15.9% — spread -14.6pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$82.85	+0.82	+0.99%	Above
SMA 50	$87.14	-3.47	-3.98%	Below
SMA 200	$76.16	+7.51	+9.86%	Above
EMA 9	$82.61	+1.06	+1.28%	Above
EMA 21	$83.43	+0.24	+0.29%	Above
EMA 50	$84.13	-0.46	-0.55%	Below
EMA 200	$79.94	+3.73	+4.67%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTNEUTRALPower Score -512 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%44

Momentum 25%70

Volume 20%31

Volatility 10%33

Patterns 15%50

This Week73% bullishof 11 price-based votes

4 Weeks Ago18%+55 pts since

12 Weeks Ago91%-18 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$82.85

Price vs SMA 50$87.14

Price vs SMA 200$76.16

EMA 9/21 Cross82.6/83.4

SMA 50/200Golden

ADX DirectionADX 23

Supertrend$87

Parabolic SAR$80

SMA Slope-0.070

RSI49.4

Stochastic K/D63/53

StochRSI K/D84/78

Williams %R-26

CCI50

TSI vs Signal-12.7

CMO-1.3

ROC6.75%

OBV SignalDistrib

Chaikin MF-0.070

MFI44

Force Index0M

Elder Ray Bull2.24

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 53

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$83.31 / $85.31 / $86.44	S1 / S2	$82.18 / $80.18
Bollinger (20,2)	$78.98 – $86.72	Squeeze	Off
52-wk range	$60.76 – $95.61	Off 52-wk high	-12.5%
ATR (14)	$2.47 (3.0%)	Historical vol	31.0%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+0.2%Jan70%

+0.2%Feb50%

-0.9%Mar62%

+1.0%Apr60%

+1.7%May55%

-1.3%Jun35%

+1.1%Jul60%

+2.1%Aug50%

-0.2%Sep40%

+1.9%Oct60%

+0.9%Nov55%

+2.4%Dec65%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	GPN	S&P 500
Weekly volatility (σ, 1y)	5.70%	1.83%
Best / worst week (1y)	+12.9% / -14.5%	—
Max drawdown (5y, monthly)	-67.9%	—
1-week VaR (95%)	-9.9%	—
Beta (5y)	0.79	1.00

GPN EQUITY WEATHER (LIVE)RAINY · -21

Trend-26

Momentum+28

Volume-43

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 108 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-20.8-0.1 vs industry

Trend-26.4+1.4 vs industry

Momentum+28.0+40.0 vs industry

Volume-43.0-18.0 vs industry

Reading	GPN	Financial - Credit Services n=681	Financial Services n=24,134	All US symbols n=70,435
Overall	-20.8	-20.7	-16.3	-20.5
Trend	-26.4	-27.8	-12.5	-21.3
Momentum	+28.0	-12.0	-4.4	-15.8
Volume	-43.0	-25.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Cameron M. Bready Chief Executive Officer	$17.2M	73% equity+incentive
Robert Cortopassi President and Chief Operat	$6.6M	69% equity+incentive
Joshua J. Whipple Chief Financial Officer	$6.4M	69% equity+incentive
David L. Green Chief Administrative Officer	$5.0M	67% equity+incentive
Shannon Johnston Former Chief Information Of	$2.9M	66% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	48
Social	54
Governance	68
Composite ESG	57

Composite ESG Trend

Filed	8-K contents	Items
2026-08-05	Earnings Release; Exhibits	2.02,9.01
2026-05-07	Other Events	8.01
2026-05-06	Earnings Release; Exhibits	2.02,9.01
2026-05-04	Shareholder Vote	5.07
2026-03-12	Entry into Material Definitive Agreement; Creation of Direct Financial	1.01,2.03,8.01,9.01
2026-03-11	Entry into Material Definitive Agreement; Financial Statements and Exh	1.01,9.01
2026-03-05	Other Events; Financial Statements and Exhibits	8.01,9.01
2026-02-19	Other Events	8.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-29 to 2026-08-05
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	103 rows · 2000 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-05-01 to 2026-08-08
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	3 rows · 2026-01-12 to 2026-04-29
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Global Payments Inc. (GPN)

Institutions holding — 12 quarters

Global Payments Inc. (GPN)

Monthly Net Insider Flow (000 shares)

Signal Summary

Global Payments Inc. (GPN)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding GPN — quarterly

Institutional Put/Call — quarterly

Global Payments Inc. (GPN)

Where GPN Trades in the Dark

Global Payments Inc. (GPN)

3.8 · Employees (SEC filings)

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Balance Sheet — Full

Cash Flow Statement — Full

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Street Price Target — Trajectory

Third-Party Composite Rating

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Family Scores (site weights)

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)

Global Payments Inc. (GPN)