WallStSmart

Global Payments Inc (GPN)vsUL Solutions Inc. (ULS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 152% more annual revenue ($7.71B vs $3.05B). GPN leads profitability with a 18.2% profit margin vs 10.6%. GPN appears more attractively valued with a PEG of 0.19. 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

ULS

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 8.0Value: 4.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GPNSignificantly Overvalued (-125.5%)

Margin of Safety

-125.5%

Fair Value

$32.03

Current Price

$68.50

$36.47 premium

UndervaluedFair: $32.03Overvalued
ULSSignificantly Overvalued (-566.8%)

Margin of Safety

-566.8%

Fair Value

$10.88

Current Price

$82.70

$71.82 premium

UndervaluedFair: $10.88Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GPN4 strengths · Avg: 9.0/10
PEG RatioValuation
0.1910/10

Growing faster than its price suggests

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

P/E RatioValuation
15.4x8/10

Attractively priced relative to earnings

Operating MarginProfitability
27.9%8/10

Strong operational efficiency at 27.9%

ULS1 strengths · Avg: 10.0/10
Return on EquityProfitability
31.0%10/10

Every $100 of equity generates 31 in profit

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

ULS4 concerns · Avg: 3.0/10
PEG RatioValuation
2.314/10

Expensive relative to growth rate

Price/BookValuation
13.2x4/10

Trading at 13.2x book value

P/E RatioValuation
53.2x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-17.5%2/10

Earnings declined 17.5%

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 0.19 suggests the stock is reasonably priced for its growth.

Bull Case : ULS

The strongest argument for ULS centers on Return on Equity.

Bear Case : GPN

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

Bear Case : ULS

The primary concerns for ULS are PEG Ratio, Price/Book, P/E Ratio. A P/E of 53.2x leaves little room for execution misses.

Key Dynamics to Monitor

ULS is growing revenue faster at 6.8% — sustainability is the question.

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

Monitor SPECIALTY BUSINESS SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

GPN scores higher overall (63/100 vs 52/100), backed by strong 18.2% margins. 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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UL Solutions Inc.

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

UL Solutions Inc. provides safety science services globally. The company is headquartered in Northbrook, Illinois with additional offices in North America, Asia Pacific, Africa, Europe, Latin America, and Middle East.

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