WallStSmart

Global Payments Inc (GPN)vsSPAR Group Inc (SGRP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 5137% more annual revenue ($7.71B vs $147.13M). GPN leads profitability with a 18.2% profit margin vs -9.5%. GPN appears more attractively valued with a PEG of 0.20. 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

SGRP

Hold

44

out of 100

Grade: D

Growth: 3.3Profit: 2.0Value: 6.7Quality: 5.0
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 SGRP.

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%

SGRP1 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

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

SGRP4 concerns · Avg: 2.3/10
Market CapQuality
$18.10M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-58.0%2/10

ROE of -58.0% — below average capital efficiency

EPS GrowthGrowth
-92.9%2/10

Earnings declined 92.9%

Free Cash FlowQuality
$-4.64M2/10

Negative free cash flow — burning cash

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 : SGRP

The strongest argument for SGRP centers on Price/Book. PEG of 1.02 suggests the stock is reasonably priced for its growth.

Bear Case : GPN

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

Bear Case : SGRP

The primary concerns for SGRP are Market Cap, Return on Equity, EPS Growth.

Key Dynamics to Monitor

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

GPN carries more volatility with a beta of 0.73 — expect wider price swings.

SGRP is growing revenue faster at 9.6% — sustainability is the question.

GPN generates stronger free cash flow (347M), providing more financial flexibility.

Bottom Line

GPN scores higher overall (63/100 vs 44/100), backed by strong 18.2% margins. 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.

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SPAR Group Inc

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

SPAR Group, Inc. provides worldwide marketing and merchandising services. The company is headquartered in Auburn Hills, Michigan.

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