WallStSmart

Global Payments Inc (GPN)vsUL Solutions Inc. (ULS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Global Payments Inc generates 185% more annual revenue ($8.86B vs $3.11B). ULS leads profitability with a 11.3% profit margin vs -8.0%. GPN appears more attractively valued with a PEG of 0.19. ULS earns a higher WallStSmart Score of 62/100 (C+).

GPN

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 3.5Value: 8.7Quality: 4.5
Piotroski: 4/9Altman Z: 1.02

ULS

Buy

62

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 3.7Quality: 6.5
Piotroski: 5/9Altman Z: 2.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GPNUndervalued (+40.7%)

Margin of Safety

+40.7%

Fair Value

$121.85

Current Price

$66.32

$55.53 discount

UndervaluedFair: $121.85Overvalued

Intrinsic value data unavailable for ULS.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GPN3 strengths · Avg: 10.0/10
PEG RatioValuation
0.1910/10

Growing faster than its price suggests

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
63.1%10/10

Revenue surging 63.1% year-over-year

ULS2 strengths · Avg: 8.5/10
Return on EquityProfitability
26.1%9/10

Every $100 of equity generates 26 in profit

EPS GrowthGrowth
36.4%8/10

Earnings expanding 36.4% YoY

Areas to Watch

GPN4 concerns · Avg: 2.0/10
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

Altman Z-ScoreHealth
1.022/10

Distress zone — elevated risk

ULS3 concerns · Avg: 3.3/10
PEG RatioValuation
2.244/10

Expensive relative to growth rate

Price/BookValuation
14.8x4/10

Trading at 14.8x book value

P/E RatioValuation
57.3x2/10

Premium valuation, high expectations priced in

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 0.19 suggests the stock is reasonably priced for its growth.

Bull Case : ULS

The strongest argument for ULS centers on Return on Equity, EPS Growth.

Bear Case : GPN

The primary concerns for GPN are Return on Equity, EPS Growth, Free Cash Flow.

Bear Case : ULS

The primary concerns for ULS are PEG Ratio, Price/Book, P/E Ratio. A P/E of 57.3x leaves little room for execution misses.

Key Dynamics to Monitor

GPN profiles as a hypergrowth stock while ULS 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.

ULS generates stronger free cash flow (150M), providing more financial flexibility.

Bottom Line

ULS scores higher overall (62/100 vs 59/100). GPN offers better value entry with a 40.7% 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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UL Solutions Inc.

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

UL Solutions Inc. provides safety science services globally. The company is headquartered in Northbrook, Illinois with additional offices in North America, Asia Pacific, Africa, Europe, Latin America, and Middle East.

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