WallStSmart

Global Payments Inc (GPN)vsRB Global Inc. (RBA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 88% more annual revenue ($8.86B vs $4.72B). RBA leads profitability with a 9.6% profit margin vs -8.0%. GPN appears more attractively valued with a PEG of 0.24. RBA earns a higher WallStSmart Score of 59/100 (C).

GPN

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 3.5Value: 8.0Quality: 4.5
Piotroski: 4/9Altman Z: 1.02

RBA

Buy

59

out of 100

Grade: C

Growth: 8.0Profit: 6.0Value: 6.0Quality: 5.0
Piotroski: 4/9Altman Z: 1.35
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GPNUndervalued (+40.2%)

Margin of Safety

+40.2%

Fair Value

$120.72

Current Price

$88.25

$32.47 discount

UndervaluedFair: $120.72Overvalued
RBAUndervalued (+62.4%)

Margin of Safety

+62.4%

Fair Value

$302.86

Current Price

$111.06

$191.80 discount

UndervaluedFair: $302.86Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GPN3 strengths · Avg: 10.0/10
PEG RatioValuation
0.2410/10

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

RBA1 strengths · Avg: 8.0/10
EPS GrowthGrowth
20.0%8/10

Earnings expanding 20.0% YoY

Areas to Watch

GPN4 concerns · Avg: 2.5/10
P/E RatioValuation
30.9x4/10

Premium valuation, high expectations priced in

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

RBA3 concerns · Avg: 2.3/10
Return on EquityProfitability
7.4%3/10

ROE of 7.4% — below average capital efficiency

P/E RatioValuation
51.0x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.352/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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 0.24 suggests the stock is reasonably priced for its growth.

Bull Case : RBA

The strongest argument for RBA centers on EPS Growth. Revenue growth of 11.4% demonstrates continued momentum. PEG of 1.04 suggests the stock is reasonably priced for its growth.

Bear Case : GPN

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

Bear Case : RBA

The primary concerns for RBA are Return on Equity, P/E Ratio, Altman Z-Score. A P/E of 51.0x leaves little room for execution misses.

Key Dynamics to Monitor

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

GPN carries more volatility with a beta of 0.77 — expect wider price swings.

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

RBA generates stronger free cash flow (170M), providing more financial flexibility.

Bottom Line

GPN scores higher overall (59/100 vs 59/100) and 63.1% revenue growth. RBA offers better value entry with a 62.4% 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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RB Global Inc.

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

Ritchie Bros. The company is headquartered in Burnaby, Canada.

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