WallStSmart

Global Payments Inc (GPN)vsMaximus Inc (MMS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 94% more annual revenue ($10.21B vs $5.25B). MMS leads profitability with a 7.1% profit margin vs -9.2%. GPN appears more attractively valued with a PEG of 0.27. GPN earns a higher WallStSmart Score of 59/100 (C).

GPN

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 4.0Value: 8.0Quality: 4.5
Piotroski: 4/9Altman Z: 1.02

MMS

Buy

58

out of 100

Grade: C

Growth: 4.0Profit: 6.5Value: 8.0Quality: 7.5
Piotroski: 6/9Altman Z: 2.69
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GPNUndervalued (+49.5%)

Margin of Safety

+49.5%

Fair Value

$142.91

Current Price

$88.29

$54.62 discount

UndervaluedFair: $142.91Overvalued
MMSUndervalued (+58.2%)

Margin of Safety

+58.2%

Fair Value

$181.31

Current Price

$56.92

$124.39 discount

UndervaluedFair: $181.31Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GPN3 strengths · Avg: 10.0/10
PEG RatioValuation
0.2710/10

Growing faster than its price suggests

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
68.6%10/10

Revenue surging 68.6% year-over-year

MMS3 strengths · Avg: 9.0/10
P/E RatioValuation
8.3x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.0%9/10

Every $100 of equity generates 22 in profit

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

GPN4 concerns · Avg: 2.0/10
P/E RatioValuation
44.0x2/10

Premium valuation, high expectations priced in

Return on EquityProfitability
-4.1%2/10

ROE of -4.1% — below average capital efficiency

EPS GrowthGrowth
-95.2%2/10

Earnings declined 95.2%

Altman Z-ScoreHealth
1.022/10

Distress zone — elevated risk

MMS4 concerns · Avg: 3.3/10
PEG RatioValuation
2.064/10

Expensive relative to growth rate

EPS GrowthGrowth
4.8%4/10

4.8% earnings growth

Profit MarginProfitability
7.1%3/10

7.1% margin — thin

Revenue GrowthGrowth
-5.1%2/10

Revenue declined 5.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : GPN

The strongest argument for GPN centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 68.6% demonstrates continued momentum. PEG of 0.27 suggests the stock is reasonably priced for its growth.

Bull Case : MMS

The strongest argument for MMS centers on P/E Ratio, Return on Equity, Price/Book.

Bear Case : GPN

The primary concerns for GPN are P/E Ratio, Return on Equity, EPS Growth. A P/E of 44.0x leaves little room for execution misses.

Bear Case : MMS

The primary concerns for MMS are PEG Ratio, EPS Growth, Profit Margin.

Key Dynamics to Monitor

GPN profiles as a hypergrowth stock while MMS is a value play — different risk/reward profiles.

GPN carries more volatility with a beta of 0.78 — expect wider price swings.

GPN is growing revenue faster at 68.6% — sustainability is the question.

GPN generates stronger free cash flow (427M), providing more financial flexibility.

Bottom Line

GPN scores higher overall (59/100 vs 58/100) and 68.6% revenue growth. MMS offers better value entry with a 58.2% margin of safety. Both earn "Buy" and "Buy" 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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Maximus Inc

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

Maximus, Inc. provides Business Process Services (BPS) to government health and human services programs worldwide. The company is headquartered in Reston, Virginia.

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