WallStSmart

Global Payments Inc (GPN)vsSamfine Creation Holdings Group Limited (SFHG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 4914% more annual revenue ($7.71B vs $153.68M). GPN leads profitability with a 18.2% profit margin vs -7.8%. 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

SFHG

Avoid

30

out of 100

Grade: F

Growth: 3.3Profit: 2.0Value: 5.0Quality: 6.5
Piotroski: 5/9Altman Z: 1.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GPNSignificantly Overvalued (-139.8%)

Margin of Safety

-139.8%

Fair Value

$30.12

Current Price

$70.77

$40.65 premium

UndervaluedFair: $30.12Overvalued

Intrinsic value data unavailable for SFHG.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GPN4 strengths · Avg: 9.0/10
PEG RatioValuation
0.2010/10

Growing faster than its price suggests

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
27.9%8/10

Strong operational efficiency at 27.9%

SFHG1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

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

SFHG4 concerns · Avg: 3.8/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

Market CapQuality
$8.83M3/10

Smaller company, higher risk/reward

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 0.20 suggests the stock is reasonably priced for its growth.

Bull Case : SFHG

The strongest argument for SFHG centers on Price/Book.

Bear Case : GPN

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

Bear Case : SFHG

The primary concerns for SFHG are Revenue Growth, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

GPN profiles as a value stock while SFHG is a turnaround play — different risk/reward profiles.

SFHG is growing revenue faster at 0.2% — 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 30/100), backed by strong 18.2% margins. Both earn "Buy" and "Avoid" 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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Samfine Creation Holdings Group Limited

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

Samfine Creation Holdings Group Limited, provides commercial printing services in Hong Kong, the People's Republic of China, the United States, and Europe. The company is headquartered in Kwun Tong, Hong Kong.

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