WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 111% more annual revenue ($10.21B vs $4.85B). RBA leads profitability with a 10.0% profit margin vs -9.2%. GPN appears more attractively valued with a PEG of 0.27. RBA earns a higher WallStSmart Score of 66/100 (B-).

GPN

Buy

59

out of 100

Grade: C

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

RBA

Strong Buy

66

out of 100

Grade: B-

Growth: 8.7Profit: 6.5Value: 6.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.35
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GPNUndervalued (+49.5%)

Margin of Safety

+49.5%

Fair Value

$142.91

Current Price

$85.06

$57.85 discount

UndervaluedFair: $142.91Overvalued
RBAUndervalued (+63.1%)

Margin of Safety

+63.1%

Fair Value

$308.54

Current Price

$83.20

$225.34 discount

UndervaluedFair: $308.54Overvalued

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

RBA2 strengths · Avg: 8.0/10
Price/BookValuation
2.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
34.0%8/10

Earnings expanding 34.0% YoY

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

RBA2 concerns · Avg: 3.0/10
P/E RatioValuation
35.3x4/10

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 68.6% demonstrates continued momentum. PEG of 0.27 suggests the stock is reasonably priced for its growth.

Bull Case : RBA

The strongest argument for RBA centers on Price/Book, EPS Growth. Revenue growth of 11.1% demonstrates continued momentum. PEG of 1.01 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. A P/E of 44.0x leaves little room for execution misses.

Bear Case : RBA

The primary concerns for RBA are P/E Ratio, Altman Z-Score.

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 0.78 — 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

RBA scores higher overall (66/100 vs 59/100) and 11.1% revenue growth. GPN offers better value entry with a 49.5% margin of safety. Both earn "Strong 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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