WallStSmart

Global Payments Inc (GPN)vsLichen China Limited Class A Ordinary Shares (LICN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 20372% more annual revenue ($7.71B vs $37.64M). GPN leads profitability with a 18.2% profit margin vs -43.2%. GPN earns a higher WallStSmart Score of 63/100 (C+).

GPN

Buy

63

out of 100

Grade: C+

Growth: 2.7Profit: 6.5Value: 7.3Quality: 6.5
Piotroski: 4/9Altman Z: 1.02

LICN

Avoid

24

out of 100

Grade: F

Growth: 3.3Profit: 2.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GPNSignificantly Overvalued (-139.8%)

Margin of Safety

-139.8%

Fair Value

$30.12

Current Price

$70.77

$40.65 premium

UndervaluedFair: $30.12Overvalued

Intrinsic value data unavailable for LICN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GPN4 strengths · Avg: 9.0/10
PEG RatioValuation
0.2010/10

Growing faster than its price suggests

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
27.9%8/10

Strong operational efficiency at 27.9%

LICN1 strengths · Avg: 10.0/10
Price/BookValuation
0.1x10/10

Reasonable price relative to book value

Areas to Watch

GPN4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

EPS GrowthGrowth
-59.2%2/10

Earnings declined 59.2%

Altman Z-ScoreHealth
1.022/10

Distress zone — elevated risk

LICN4 concerns · Avg: 2.3/10
Market CapQuality
$71.84M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-24.0%2/10

ROE of -24.0% — below average capital efficiency

Revenue GrowthGrowth
-21.2%2/10

Revenue declined 21.2%

EPS GrowthGrowth
-51.3%2/10

Earnings declined 51.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : GPN

The strongest argument for GPN centers on PEG Ratio, Price/Book, P/E Ratio. Profitability is solid with margins at 18.2% and operating margin at 27.9%. PEG of 0.20 suggests the stock is reasonably priced for its growth.

Bull Case : LICN

The strongest argument for LICN centers on Price/Book.

Bear Case : GPN

The primary concerns for GPN are Revenue Growth, Return on Equity, EPS Growth.

Bear Case : LICN

The primary concerns for LICN are Market Cap, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

GPN profiles as a value stock while LICN is a turnaround play — different risk/reward profiles.

LICN carries more volatility with a beta of 1.07 — expect wider price swings.

GPN is growing revenue faster at 0.0% — sustainability is the question.

GPN generates stronger free cash flow (347M), providing more financial flexibility.

Bottom Line

GPN scores higher overall (63/100 vs 24/100), backed by strong 18.2% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Global Payments Inc

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

Global Payments Inc. is an American company providing financial technology services globally headquartered in Atlanta, Georgia.

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Lichen China Limited Class A Ordinary Shares

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

Lichen China Limited, an investment holding company, provides financial and taxation, education support, and software and maintenance services in the People's Republic of China. The company is headquartered in Jinjiang, China.

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