WallStSmart

Cre8 Enterprise Limited Class A Ordinary Shares (CRE)vsGlobal Payments Inc (GPN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 6663% more annual revenue ($8.86B vs $130.93M). CRE leads profitability with a 4.0% profit margin vs -8.0%. CRE trades at a lower P/E of 7.8x. GPN earns a higher WallStSmart Score of 59/100 (C).

CRE

Buy

58

out of 100

Grade: C

Growth: 9.3Profit: 4.0Value: 6.7Quality: 5.5
Piotroski: 4/9

GPN

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 3.5Value: 8.7Quality: 4.5
Piotroski: 4/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CRE.

GPNUndervalued (+40.2%)

Margin of Safety

+40.2%

Fair Value

$120.72

Current Price

$88.27

$32.45 discount

UndervaluedFair: $120.72Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRE4 strengths · Avg: 10.0/10
P/E RatioValuation
7.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
57.4%10/10

Revenue surging 57.4% year-over-year

EPS GrowthGrowth
63.7%10/10

Earnings expanding 63.7% YoY

GPN3 strengths · Avg: 10.0/10
PEG RatioValuation
0.2210/10

Growing faster than its price suggests

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
63.1%10/10

Revenue surging 63.1% year-over-year

Areas to Watch

CRE4 concerns · Avg: 2.5/10
Market CapQuality
$5.34M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.6%3/10

ROE of 1.6% — below average capital efficiency

Profit MarginProfitability
4.0%3/10

4.0% margin — thin

Operating MarginProfitability
-5.0%1/10

Operating margin of -5.0%

GPN4 concerns · Avg: 2.5/10
P/E RatioValuation
28.6x4/10

Moderate valuation

Return on EquityProfitability
-3.0%2/10

ROE of -3.0% — below average capital efficiency

EPS GrowthGrowth
-59.2%2/10

Earnings declined 59.2%

Free Cash FlowQuality
$-550.16M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CRE

The strongest argument for CRE centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 57.4% demonstrates continued momentum.

Bull Case : GPN

The strongest argument for GPN centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 63.1% demonstrates continued momentum. PEG of 0.22 suggests the stock is reasonably priced for its growth.

Bear Case : CRE

The primary concerns for CRE are Market Cap, Return on Equity, Profit Margin. Thin 4.0% margins leave little buffer for downturns.

Bear Case : GPN

The primary concerns for GPN are P/E Ratio, Return on Equity, EPS Growth.

Key Dynamics to Monitor

GPN is growing revenue faster at 63.1% — sustainability is the question.

CRE generates stronger free cash flow (11M), providing more financial flexibility.

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

Bottom Line

GPN scores higher overall (59/100 vs 58/100) and 63.1% revenue growth. 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.

Cre8 Enterprise Limited Class A Ordinary Shares

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

Cre8 Enterprise Limited (CRE) is an innovative technology firm dedicated to providing advanced digital solutions that enhance connectivity and engagement across various industries. Specializing in software development, the company prioritizes user experience to meet the increasing demand for digital transformation in today's rapidly evolving environment. With a robust portfolio of innovative platforms designed to optimize operational efficiency, Cre8 Enterprise is strategically positioned to deliver substantial value to its clients, fostering sustainable long-term growth and reaffirming its leadership in the digital innovation landscape.

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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