Global Payments Inc (GPN)vsLegalZoom.com Inc (LZ)
GPN
Global Payments Inc
$88.27
+0.93%
INDUSTRIALS · Cap: $22.53B
LZ
LegalZoom.com Inc
$8.42
+4.21%
INDUSTRIALS · Cap: $1.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Global Payments Inc generates 1036% more annual revenue ($8.86B vs $779.71M). LZ leads profitability with a 1.5% profit margin vs -8.0%. GPN trades at a lower P/E of 28.6x. GPN earns a higher WallStSmart Score of 59/100 (C).
GPN
Buy59
out of 100
Grade: C
LZ
Hold36
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+40.2%
Fair Value
$120.72
Current Price
$88.27
$32.45 discount
Margin of Safety
+27.6%
Fair Value
$9.82
Current Price
$8.42
$1.40 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 63.1% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Moderate valuation
ROE of -3.0% — below average capital efficiency
Earnings declined 59.2%
Negative free cash flow — burning cash
Trading at 9.9x book value
Smaller company, higher risk/reward
ROE of 7.8% — below average capital efficiency
1.5% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : LZ
The strongest argument for LZ centers on Debt/Equity. Revenue growth of 12.9% demonstrates continued momentum.
Bear Case : GPN
The primary concerns for GPN are P/E Ratio, Return on Equity, EPS Growth.
Bear Case : LZ
The primary concerns for LZ are Price/Book, Market Cap, Return on Equity. A P/E of 128.7x leaves little room for execution misses. Thin 1.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
GPN profiles as a hypergrowth stock while LZ is a value play — different risk/reward profiles.
LZ carries more volatility with a beta of 1.31 — expect wider price swings.
GPN is growing revenue faster at 63.1% — sustainability is the question.
LZ generates stronger free cash flow (41M), providing more financial flexibility.
Bottom Line
GPN scores higher overall (59/100 vs 36/100) and 63.1% revenue growth. LZ offers better value entry with a 27.6% margin of safety. Both earn "Buy" and "Hold" 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.
Visit Website →LegalZoom.com Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
LegalZoom.com, Inc. operates an online platform for legal and compliance solutions in the United States. The company is headquartered in Glendale, California.
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