UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-16111 GLOBAL PAYMENTS INC. (Exact name of registrant as specified in charter) Georgia 58-2567903 (State or other jurisdiction of (I.R.S. Employer i ...

Global Payments Inc. (GPN) is set to report its fourth-quarter 2023 results on Feb 14, before the opening bell. What Do Estimates Say? The Zacks Consensus Estimate for fourth-quarter earnings per share of $2.63 suggests an 8.7% increase from the prior-year reported figure of $2.42. However, the consensus mark witnessed no upward movement in the past week against one downward estimate revision. The consensus mark for fourth-quarter revenues of $2.2 billion indicates a 7.9% increase from the year-ago reported ...

Wall Street analysts forecast that Global Payments (GPN) will report quarterly earnings of $2.63 per share in its upcoming release, pointing to a year-over-year increase of 8.7%. It is anticipated that revenues will amount to $2.18 billion, exhibiting an increase of 7.9% compared to the year-ago quarter. The current level reflects a downward revision of 0.7% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraise ...

Wall Street expects a year-over-year increase in earnings on higher revenues when Global Payments (GPN) reports results for the quarter ended December 2023. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The earnings report, which is expected to be released on February 14, 2024, might help the stock move higher if these key numbers are better ...

公司业绩 - Global Payments (GPN)属于Zacks金融交易服务行业，过去两个季度一直超过盈利预期[1] - 上一季度，Global Payments的盈利为每股2.75美元，超过Zacks预期的每股2.71美元，意味着盈利超出预期1.48%[3] - 公司的盈利预期一直在上升，这部分归功于盈利惊喜历史[4] - Zacks盈利ESP显示目前为+0.06%，分析师对其近期盈利潜力持乐观态度[7]

Global Payments Inc. (GPN) recently formed a joint venture with the German bank, Commerzbank, in a bid to benefit the nationwide small and medium-sized business clients of the bank with enhanced digital payment services. The organization formed as a result of the joint venture will be named Commerz Globalpay GmbH and is likely to commence operations in the first half of 2024, upon receiving a nod from the concerned supervisory and antitrust authorities. GPN will hold a 51% share while Commerzbank will hold ...

ATLANTA & FRANKFURT AM MAIN, Germany--(BUSINESS WIRE)--Global Payments Inc. (NYSE: GPN), a leading worldwide provider of payment technology and software solutions, and Commerzbank (FRA: CBK), the leading bank for small and medium size German enterprises and a strong partner for corporate clients and private and small-business customers in Germany, today announced a joint venture to offer digital payment solutions to small and medium size business customers across Germany. The new entity, Commerz Globalpay G ...

Global Payments Inc. (GPN) benefits on the back of solid segmental contribution, higher transaction volumes, acquisitions and collaborations coupled with a strong financial position. Zacks Rank & Price Rally Global Payments currently carries a Zacks Rank #3 (Hold). The stock has gained 23% in the past year compared with the industry’s 18.5% growth. The Zacks Business Services sector and S&P 500 composite gained 21.5% and 25.3%, respectively, in the said time frame. Price Return Performance Since 01/05/23 GL ...

汇丰银行推出全球支付应用Zing - 汇丰银行准备推出全球支付应用Zing，以挑战Wise和Revolut等公司[1] - Zing首先将在英国推出，计划在未来几个月内在其他国家推出，以吸引更多富裕消费者[2] - 汇丰银行个人银行业务的CEO表示，Zing具有全球雄心，计划很快进入亚洲、中东和欧盟市场[3] - Zing将在几天内在苹果和谷歌应用商店上线，非汇丰用户也可以使用，旨在进攻国际零售支付市场[4] 汇丰银行的全球支付服务 - 汇丰银行在2020年推出了名为Global Money的产品，为客户提供免费货币服务，2022年处理的交易额约为110亿美元[5] - Zing将吸引用户，可能会促使他们在汇丰银行做更多银行业务，目标是成为国际移动客户的首选金融机构[6] 消费者对银行支付态度 - Zing即将推出之际，大多数消费者对银行支付或账户对账（A2A）支付持有积极态度[7] - 根据PYMNTS Intelligence和AWS合作的研究“追踪数字支付接管：消费者熟悉度控制账户对账支付增长”发现，84%的用户对他们最常使用的A2A支付平台非常满意或极度满意[8]

财务数据和关键指标变化 - 公司报告第三季度调整后净收入增长9%,调整后每股收益增长11% [8][30] - 公司调整后营业利润率扩大50个基点至45.7% [30][32] - 公司预计全年调整后净收入增长7%-8%,调整后每股收益增长约11%-12% [36][39] 各条业务线数据和关键指标变化 商户业务 - 商户业务调整后净收入增长19%,剔除EVO和剥离业务影响后增长9% [32] - 商户业务调整后营业利润率为49.1%,剔除EVO和剥离业务影响后增加40个基点 [32] - 公司的技术驱动型业务占商户调整后净收入约65%,保持强劲增长 [9][11][12][13][14][17][19][22] - 集成支付、自有垂直软件和POS软件业务表现出色 [9][10][11][12][13][17][19] - 公司在西班牙和中欧等市场实现了双位数增长 [32][23] 发卡业务 - 发卡业务调整后净收入增长6%,核心发卡业务中单位增长 [33] - 发卡业务调整后营业利润率增加110个基点至47.5% [34] - 传统账户数环比增加约1100万,同比增加6000多万 [24][33] - 商业卡交易增长中个位数 [33] - 软件驱动的B2B业务实现两位数增长 [27][28][29] 各个市场数据和关键指标变化 - 公司在加拿大和英国等市场受到宏观环境挑战的影响 [32] - 公司在西班牙、中欧等市场实现了强劲的双位数增长 [23][32] - 公司将在未来12-24个月内将GP POS解决方案拓展至波兰、德国和爱尔兰等市场 [16] 公司战略和发展方向及行业竞争 - 公司继续推进POS软件业务,并将在2024年初推出新一代POS解决方案 [19][20][22] - 公司在B2B领域保持强劲增长,包括工作流自动化、资金流和雇主解决方案等 [27][28][29] - 公司将继续专注于与市场份额领先者的合作,并利用发卡和收单能力的协同效应 [25][26][33] - 公司的POS软件解决方案在功能、分销和本地支持方面具有竞争优势 [12][13][14][15][16][17][18][20][21][22] 管理层对经营环境和未来前景的评论 - 公司对当前的消费支出水平保持乐观,但密切关注宏观经济环境的不确定性 [40][41][80][81] - 公司认为自身业务模式具有较强的抗周期性和韧性,即使在经济环境恶化的情况下也能保持较好的增长 [84][85][86][87] 问答环节重要的提问和回答 问题1 **Ramsey El-Assal 提问** 询问公司在收单业务中非必需消费和必需消费的占比情况,以及对利率下调的影响 [45][46][47][48][49][50] **Cameron Bready 回答** 公司的收单业务在必需和非必需消费领域的占比大致相当。公司认为利率下调对商户来说是利好,但这种利好最终会被市场竞争所消化 [46][47][48][49][50] 问题2 **Darrin Peller 提问** 询问公司在POS软件业务方面的国际拓展情况,以及收入增长与交易量增长的关系 [63][64][65][66][67] **Cameron Bready 回答** 公司正在积极将POS软件解决方案拓展至欧洲等国际市场,利用当地渠道和合作伙伴关系。公司未来将继续努力提升软件收入在总收入中的占比 [64][65][66][67] 问题3 **Ashwin Shirvaikar 提问** 询问公司在未来资本配置方面的考虑,是否会更多地通过股票回购来创造股东价值 [66][67][68] **Cameron Bready 和 Josh Whipple 回答** 公司未来将在再投资业务和回报股东之间保持平衡。在当前估值水平下,股票回购将是更有吸引力的选择,除非公司能找到符合战略和文化的并购机会,并能带来超过股票回购的收益 [66][67][68][69]