Market Summary
USD115.91+0.52
Market Closed0.45%
GPN Stock Price
GPN RSI Chart
GPN Valuation
GPN Price/Sales (Trailing)
GPN Profitability
GPN Fundamentals
GPN Revenue
GPN Earnings
Price Action
52 Week Range
92.27129.70
(Low)(High)
Last 7 days
-3.2%
Last 30 days
-9.2%
Last 90 days
17.1%
Trailing 12 Months
5.3%
GPN Financial Health
GPN Investor Care
Historical Charts for Stock Metrics
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Net sales
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Latest Insider Trading transactions for GPN
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-09-06 | Whipple Joshua J | sold | -4,721,580 | 127 | -37,096 | senior evp and cfo |
2023-08-17 | Sacchi Guido Francesco | sold | -1,805,060 | 124 | -14,502 | senior evp and cio |
2023-08-04 | Whipple Joshua J | sold (taxes) | -186,428 | 122 | -1,520 | senior evp and cfo |
2023-08-02 | MCDANIEL CONNIE D | acquired | 224,025 | 39.22 | 5,712 | - |
2023-08-02 | SHEFFIELD DAVID M | sold | -240,852 | 119 | -2,016 | evp, chief accounting officer |
2023-08-02 | SHEFFIELD DAVID M | gifted | - | - | -910 | evp, chief accounting officer |
2023-08-02 | MCDANIEL CONNIE D | back to issuer | -224,530 | 120 | -1,857 | - |
2023-07-01 | SHEFFIELD DAVID M | sold (taxes) | -120,194 | 98.52 | -1,220 | evp, chief accounting officer |
2023-06-01 | Bready Cameron M | acquired | 1,528,760 | 98.84 | 15,467 | president and ceo |
2023-04-28 | PLUMMER WILLIAM B | acquired | - | - | 1,952 | - |
Which funds bought or sold GPN recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-09-26 | BROOKFIELD Corp /ON/ | sold off | -100 | -13,976,900 | - | -% |
2023-09-21 | Baystate Wealth Management LLC | added | 0.27 | -7,203 | 110,100 | 0.01% |
2023-09-21 | Halpern Financial, Inc. | sold off | - | - | - | -% |
2023-09-20 | BARCLAYS PLC | added | 11.62 | 7,220,000 | 167,961,000 | 0.11% |
2023-09-18 | WASHINGTON CAPITAL MANAGEMENT, INC | unchanged | - | -72,811 | 1,067,460 | 0.91% |
2023-09-12 | Farther Finance Advisors, LLC | added | 20.41 | 1,311 | 11,625 | -% |
2023-09-05 | Delos Wealth Advisors, LLC | unchanged | - | -7.00 | 99.00 | -% |
2023-08-25 | Yarbrough Capital, LLC | unchanged | - | -16,444 | 241,078 | 0.01% |
2023-08-24 | Alberta Investment Management Corp | unchanged | - | -38,304 | 561,564 | -% |
2023-08-23 | WOLVERINE TRADING, LLC | new | - | 618,863 | 618,863 | -% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
Schedule 13G FIlings of Global Payments
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Feb 14, 2023 | price t rowe associates inc /md/ | 4.7% | 12,588,858 | SC 13G/A | |
| Feb 09, 2023 | vanguard group inc | 9.80% | 26,492,838 | SC 13G/A | |
| Feb 07, 2023 | blackrock inc. | 7.4% | 19,894,799 | SC 13G/A | |
| Feb 06, 2023 | wellington management group llp | 5.52% | 14,932,232 | SC 13G/A | |
| Mar 11, 2022 | blackrock inc. | 6.4% | 18,521,387 | SC 13G/A | |
| Feb 14, 2022 | price t rowe associates inc /md/ | 5.8% | 16,949,743 | SC 13G/A | |
| Feb 08, 2022 | blackrock inc. | 6.4% | 18,521,387 | SC 13G | |
| Feb 04, 2022 | wellington management group llp | 6.09% | 17,677,094 | SC 13G/A | |
| Nov 10, 2021 | price t rowe associates inc /md/ | 10.8% | 31,908,812 | SC 13G/A | |
| Feb 16, 2021 | price t rowe associates inc /md/ | 16.3% | 48,870,606 | SC 13G/A |
Recent SEC filings of Global Payments
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Sep 08, 2023 | 4 | Insider Trading | |
| Sep 06, 2023 | 144 | Notice of Insider Sale Intent | |
| Aug 18, 2023 | 4 | Insider Trading | |
| Aug 17, 2023 | 144 | Notice of Insider Sale Intent | |
| Aug 07, 2023 | 4 | Insider Trading | |
| Aug 04, 2023 | 4 | Insider Trading | |
| Aug 04, 2023 | 4 | Insider Trading | |
| Aug 02, 2023 | 144 | Notice of Insider Sale Intent | |
| Aug 02, 2023 | 144 | Notice of Insider Sale Intent | |
| Aug 02, 2023 | 144 | Notice of Insider Sale Intent |
GPN Fair Value
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Peers (Alternatives to Global Payments)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
MA | 374.5B | 23.6B | -4.35% | 38.06% | 36.61 | 15.87 | 13.06% | 5.47% |
ACN | 194.7B | 63.6B | -4.99% | 19.44% | 27.18 | 3.06 | 6.65% | 8.08% |
FIS | 32.1B | 14.6B | -1.81% | -27.82% | -1.36 | 2.2 | 1.28% | -2886.41% |
GPN | 30.1B | 9.3B | -9.25% | 5.34% | 37.53 | 3.25 | 5.09% | 943.73% |
AKAM | 16.2B | 3.7B | 1.82% | 32.35% | 33.9 | 4.43 | 2.48% | -21.66% |
| MID-CAP | ||||||||
WEX | 8.0B | 2.5B | -4.03% | 43.82% | 38.55 | 3.25 | 17.75% | -7.81% |
WU | 4.9B | 4.4B | 7.33% | -2.80% | 6.54 | 1.12 | -9.80% | -15.47% |
EXLS | 4.6B | 1.5B | -3.48% | -80.82% | 27.12 | 3.01 | 22.18% | 35.10% |
MMS | 4.5B | 4.8B | -7.36% | 29.23% | 26.29 | 0.94 | 5.74% | -8.06% |
| SMALL-CAP | ||||||||
MGI | 1.1B | 1.3B | 16.67% | 9.03% | 30.77 | 0.8 | 4.60% | 957.58% |
CNDT | 770.4M | 3.8B | 11.90% | 3.26% | -2.33 | 0.2 | -4.55% | -409.35% |
CASS | 499.2M | 193.7M | -2.56% | 5.61% | 15.44 | 2.58 | 17.44% | 3.23% |
IIIV | 472.6M | 359.1M | -10.00% | 4.91% | -54.63 | 1.32 | 19.78% | 52.80% |
Global Payments News
Returns for GPN
Cumulative Returns on GPN
16.6%
10-Year Cumulative Returns
6.2%
7-Year Cumulative Returns
-1.7%
5-Year Cumulative Returns
-13.1%
3-Year Cumulative Returns
Risks for GPN
What is the probability of a big loss on GPN?
78.8%
Probability that Global Payments stock will be more than 20% underwater in next one year
54.6%
Probability that Global Payments stock will be more than 30% underwater in next one year.
30%
Probability that Global Payments stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does GPN drawdown profile look like?
Y-axis is the maximum loss one would have experienced if Global Payments was unfortunately bought at previous high price.
Drawdowns
Financials for Global Payments
Income Statement (Last 12 Months)(In Millions)
| Income Statement (Last 12 Months) | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Revenue | 1.9% | 9,283 | 9,112 | 8,976 | 8,917 | 8,833 | 8,690 | 8,524 | 8,260 | 7,975 | 7,510 | 7,424 | 7,481 | 6,669 | 5,932 | 4,912 | 3,805 | 3,556 | 3,454 | 3,366 | 3,540 | 3,721 |
| Costs and Expenses | -10.9% | 7,830 | 8,791 | 8,335 | 8,363 | 8,266 | 7,230 | 7,165 | 6,970 | 6,795 | 6,585 | 6,530 | 6,643 | 5,948 | 5,097 | 4,120 | 3,042 | 2,745 | 2,674 | 2,629 | 2,820 | 3,052 |
| S&GA Expenses | 4.0% | 3,895 | 3,745 | 3,525 | 3,510 | 3,449 | 3,425 | 3,391 | 3,242 | 3,111 | 2,943 | 2,879 | 2,876 | 2,654 | 2,394 | 2,047 | 1,694 | 1,559 | 1,526 | 1,534 | 1,529 | 1,532 |
| EBITDA | -100.0% | - | 291 | 624 | 974 | 975 | 3,174 | 3,064 | 2,966 | 2,954 | 2,563 | 2,535 | 2,451 | 2,241 | 1,968 | 1,697 | - | - | - | - | - | - |
| EBITDA Margin | -100.0% | - | 0.03* | 0.07* | 0.11* | 0.11* | 0.37* | 0.36* | 0.36* | 0.37* | 0.34* | 0.34* | 0.33* | 0.34* | 0.33* | 0.35* | - | - | - | - | - | - |
| Earnings Before Taxes | 925.5% | 950 | -115 | 224 | 166 | 219 | 1,133 | 1,045 | 1,077 | 968 | 785 | 594 | - | - | - | 518 | - | 600 | 583 | 562 | 556 | 510 |
| EBT Margin | 100.0% | - | -0.01* | 0.02* | 0.02* | 0.02* | 0.13* | 0.12* | 0.12* | 0.12* | 0.08* | 0.08* | 0.07* | 0.08* | 0.09* | 0.11* | - | - | - | - | - | - |
| Net Income | 656.5% | 803 | -144 | 111 | 71.00 | 77.00 | 1,014 | 965 | 940 | 864 | 638 | 585 | 505 | 379 | 462 | 431 | 403 | 484 | 473 | 452 | 619 | 553 |
| Net Income Margin | 100.0% | - | -0.02* | 0.01* | 0.01* | 0.01* | 0.12* | 0.11* | 0.11* | 0.11* | 0.08* | 0.08* | 0.07* | 0.06* | 0.08* | 0.09* | - | - | - | - | - | - |
| Free Cashflow | -100.0% | - | 2,214 | 2,244 | 2,288 | 2,869 | 2,811 | 2,781 | 2,797 | 2,464 | 2,378 | 2,216 | 1,488 | 2,006 | 1,500 | 1,293 | - | - | - | - | - | - |
Balance Sheet(In Millions)
| Balance Sheet | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Assets | -1.0% | 48,151 | 48,639 | 44,809 | 43,939 | 44,176 | 45,435 | 45,280 | 45,754 | 45,150 | 44,258 | 44,202 | 44,550 | 44,001 | 43,850 | 44,480 | 45,212 | 14,584 | 14,750 | 13,231 | 13,839 | 12,300 |
| Current Assets | -1.4% | 5,519 | 5,595 | 6,314 | 5,453 | 5,217 | 5,152 | 4,711 | 5,792 | 4,900 | 4,879 | 4,592 | 4,969 | 4,351 | 4,070 | 4,366 | 4,993 | 4,548 | 4,670 | 3,376 | 4,414 | 3,659 |
| Cash Equivalents | -4.1% | 1,920 | 2,002 | 1,998 | 1,994 | 2,100 | 2,180 | 2,123 | 2,469 | 1,940 | 2,202 | 2,090 | 2,221 | 1,826 | 1,800 | 1,678 | 2,128 | 1,048 | 1,278 | 1,211 | 991 | 1,100 |
| Net PPE | - | - | - | - | - | - | - | - | 1,667 | 1,642 | 1,581 | 1,579 | 1,526 | 1,478 | 1,442 | 1,383 | 1,423 | 712 | 674 | 654 | 641 | 616 |
| Goodwill | 652.6% | 26,491 | 3,520 | 23,321 | 23,421 | 23,496 | 24,794 | 24,813 | 24,344 | 24,422 | 23,854 | 23,871 | 23,745 | 23,680 | 23,662 | 17,399 | 17,441 | 6,346 | 6,346 | 377 | 6,131 | 5,672 |
| Liabilities | -2.0% | 25,235 | 25,756 | 22,269 | 21,066 | 20,199 | 20,040 | 19,410 | 19,400 | 18,300 | 17,416 | 16,715 | 16,586 | 16,368 | 16,329 | 16,425 | 17,256 | 10,409 | 10,607 | 9,044 | 9,664 | 8,284 |
| Current Liabilities | -15.9% | 5,118 | 6,083 | 6,899 | 5,677 | 5,982 | 4,867 | 4,463 | 5,034 | 4,380 | 4,116 | 4,549 | 4,415 | 4,229 | 3,036 | 3,579 | 4,283 | 4,484 | 4,516 | 3,269 | 4,267 | 3,364 |
| Long Term Debt | 2.7% | 16,975 | 16,534 | 12,289 | 12,290 | 10,884 | 11,724 | 11,415 | 10,710 | 10,217 | 9,627 | 8,466 | - | - | - | 9,090 | - | - | - | - | - | - |
| LT Debt, Current | - | - | - | - | - | - | - | - | - | - | - | - | 832 | 833 | 71.00 | 35.00 | 33.00 | 151 | 133 | 115 | 93.00 | 75.00 |
| LT Debt, Non Current | - | - | - | - | - | - | - | - | - | - | - | - | 8,437 | 8,440 | 9,636 | 9,090 | 8,988 | 5,001 | 5,170 | 5,015 | 4,708 | 4,255 |
| Shareholder's Equity | 0.4% | 22,171 | 22,083 | 22,304 | 22,661 | 23,977 | 25,395 | 25,869 | 26,354 | 26,850 | 26,842 | 27,487 | 27,964 | 27,633 | 27,520 | 28,055 | 27,956 | 4,175 | 4,142 | 4,186 | 4,176 | 4,016 |
| Retained Earnings | 7.9% | 2,864 | 2,655 | 2,731 | 2,548 | 2,326 | 3,069 | 2,982 | 2,845 | 2,665 | 2,501 | 2,571 | 2,477 | 2,314 | 2,335 | 2,333 | 2,298 | 2,204 | 2,112 | 2,066 | 1,994 | 1,819 |
| Additional Paid-In Capital | -0.8% | 19,686 | 19,840 | 19,978 | 20,717 | 21,801 | 22,338 | 22,880 | 23,545 | 24,202 | 24,403 | 24,964 | 25,621 | 25,571 | 25,525 | 25,833 | 25,905 | 2,126 | 2,152 | 2,235 | 2,251 | 2,255 |
| Shares Outstanding | -0.7% | 260 | 262 | 263 | 270 | 277 | 281 | 285 | 290 | 294 | 295 | 298 | 299 | 299 | 299 | 300 | 301 | 157 | 157 | 158 | 158 | 158 |
| Minority Interest | 0.4% | 244 | 243 | 237 | 212 | 221 | 235 | 241 | 207 | 156 | 150 | 155 | 218 | 207 | 200 | 199 | 181 | 185 | 192 | 195 | 201 | 186 |
Cashflow (Last 12 Months)(In Millions)
| Cashflow (Last 12 Months) | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Cashflow From Operations | -0.1% | 2,210 | 2,214 | 2,244 | 2,288 | 2,869 | 2,811 | 2,781 | 2,797 | 2,464 | 2,477 | 2,314 | 1,587 | 2,104 | 1,598 | 1,391 | 1,794 | 847 | 1,051 | 1,106 | 813 | 751 |
| Share Based Compensation | 0.1% | 215 | 214 | 163 | 157 | 186 | 182 | 181 | 190 | 166 | 158 | 149 | 139 | 125 | 106 | 90.00 | 69.00 | 56.00 | 54.00 | 58.00 | 53.00 | 48.00 |
| Cashflow From Investing | 8.6% | -4,313 | -4,721 | -675 | -1,484 | -1,495 | -2,357 | -2,293 | -1,339 | -1,330 | -365 | -438 | -805 | -989 | -970 | -917 | -1,055 | -1,570 | -1,547 | -1,476 | -953 | -753 |
| Cashflow From Financing | -20.8% | 2,067 | 2,610 | -1,376 | -899 | -1,056 | -412 | -405 | -1,261 | -1,127 | -1,837 | -1,546 | -733 | -326 | -56.95 | -28.67 | 446 | 688 | 810 | 287 | -29.86 | 29.00 |
| Dividend Payments | -1.6% | 265 | 269 | 274 | 280 | 284 | 272 | 260 | 246 | 232 | 233 | 233 | 234 | 177 | 120 | 63.00 | 11.00 | 6.00 | 6.00 | 6.00 | -5.14 | -0.38 |
| Buy Backs | 20.8% | 1,203 | 996 | 2,921 | 1,361 | 1,384 | 1,392 | 2,534 | 1,056 | 1,023 | 1,018 | 631 | 503 | 532 | 530 | 311 | 214 | 210 | 209 | 208 | 28.00 | 31.00 |
GPN Income Statement
2023-06-30UNAUDITED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | ||
|---|---|---|---|---|
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022 | |
| Income Statement [Abstract] | ||||
| Revenues | $ 2,452,469 | $ 2,280,906 | $ 4,744,916 | $ 4,437,160 |
| Operating expenses: | ||||
| Cost of service | 941,952 | 962,299 | 1,889,705 | 1,919,457 |
| Selling, general and administrative | 1,013,514 | 863,179 | 2,056,641 | 1,686,328 |
| Impairment of goodwill | 0 | 833,075 | 0 | 833,075 |
| (Gain) loss on business dispositions | (105,738) | 152,211 | 139,095 | 152,211 |
| Total operating expenses | 1,849,728 | 2,810,764 | 4,085,441 | 4,591,071 |
| Operating income (loss) | 602,741 | (529,858) | 659,475 | (153,911) |
| Interest and other income | 27,944 | 2,956 | 39,097 | 4,667 |
| Interest and other expense | (191,423) | (99,188) | (314,368) | (192,471) |
| Total nonoperating income (expense) | (163,479) | (96,232) | (275,271) | (187,804) |
| Income (loss) before income taxes and equity in income of equity method investments | 439,262 | (626,090) | 384,204 | (341,715) |
| Income tax expense | 172,211 | 52,776 | 140,812 | 104,994 |
| Income (loss) before equity in income of equity method investments | 267,051 | (678,866) | 243,392 | (446,709) |
| Equity in income of equity method investments, net of tax | 17,155 | 13,815 | 36,394 | 31,294 |
| Net income (loss) | 284,206 | (665,051) | 279,786 | (415,415) |
| Net income attributable to noncontrolling interests, net of tax | (10,058) | (7,948) | (16,679) | (12,851) |
| Net income (loss) attributable to Global Payments | $ 274,148 | $ (672,999) | $ 263,107 | $ (428,266) |
| Earnings (loss) per share attributable to Global Payments: | ||||
| Basic earnings (loss) per share (in USD per share) | $ 1.05 | $ (2.42) | $ 1.00 | $ (1.53) |
| Diluted earnings (loss) per share (in USD per share) | $ 1.05 | $ (2.42) | $ 1.00 | $ (1.53) |
GPN Balance Sheet
2023-06-30CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands | Jun. 30, 2023 | Dec. 31, 2022 |
|---|---|---|
| Current assets: | ||
| Cash and cash equivalents | $ 1,919,591 | $ 1,997,566 |
| Accounts receivable, net | 1,159,266 | 998,332 |
| Settlement processing assets | 1,600,809 | 2,519,114 |
| Current assets held for sale | 7,224 | 138,815 |
| Prepaid expenses and other current assets | 832,254 | 660,321 |
| Total current assets | 5,519,144 | 6,314,148 |
| Goodwill | 26,491,160 | 23,320,736 |
| Other intangible assets, net | 10,741,990 | 9,658,374 |
| Property and equipment, net | 2,084,209 | 1,838,809 |
| Deferred income taxes | 112,087 | 37,907 |
| Noncurrent assets held for sale | 29 | 1,295,799 |
| Notes receivable | 724,644 | 0 |
| Other noncurrent assets | 2,477,617 | 2,343,241 |
| Total assets | 48,150,880 | 44,809,014 |
| Current liabilities: | ||
| Settlement lines of credit | 528,990 | 747,111 |
| Current portion of long-term debt | 75,681 | 1,169,330 |
| Accounts payable and accrued liabilities | 2,710,458 | 2,442,560 |
| Settlement processing obligations | 1,802,361 | 2,413,799 |
| Current liabilities held for sale | 942 | 125,891 |
| Total current liabilities | 5,118,432 | 6,898,691 |
| Long-term debt | 16,975,360 | 12,289,248 |
| Deferred income taxes | 2,447,947 | 2,428,412 |
| Noncurrent liabilities held for sale | 164 | 4,478 |
| Other noncurrent liabilities | 693,518 | 647,975 |
| Total liabilities | 25,235,421 | 22,268,804 |
| Commitments and contingencies | ||
| Redeemable noncontrolling interests | 499,479 | 0 |
| Equity: | ||
| Preferred stock, no par value; 5,000,000 shares authorized and none issued | 0 | 0 |
| Common stock, no par value; 400,000,000 shares authorized at June 30, 2023 and December 31, 2022; 259,962,485 issued and outstanding at June 30, 2023 and 263,081,872 issued and outstanding at December 31, 2022 | 0 | 0 |
| Paid-in capital | 19,686,035 | 19,978,095 |
| Retained earnings | 2,863,852 | 2,731,380 |
| Accumulated other comprehensive loss | (378,401) | (405,969) |
| Total Global Payments shareholders’ equity | 22,171,486 | 22,303,506 |
| Nonredeemable noncontrolling interests | 244,494 | 236,704 |
| Total equity | 22,415,980 | 22,540,210 |
| Total liabilities, redeemable noncontrolling interests and equity | $ 48,150,880 | $ 44,809,014 |
Global Payments Inc. provides payment technology and software solutions for card, electronic, check, and digital-based payments in the Americas, Europe, and the Asia-Pacific. It operates through three segments: Merchant Solutions, Issuer Solutions, and Business and Consumer Solutions. The Merchant Solutions segment offers authorization services, settlement and funding services, customer support and help-desk functions, chargeback resolution, terminal rental, sales and deployment, payment security services, consolidated billing and statements, and on-line reporting services. This segment also provides an array of enterprise software solutions that streamline business operations of its customers in various vertical markets; and value-added services, such as point-of-sale solutions, and analytic and engagement tools, as well as payroll and human capital management services. The Issuer Solutions segment offers solutions that enable financial institutions and retailers to manage their card portfolios through a platform; and commercial payments and ePayables solutions for businesses and governments. The Business and Consumer Solutions segment provides general-purpose reloadable prepaid debit and payroll cards, demand deposit accounts, and other financial service solutions to the underbanked and other consumers, and businesses under the Netspend brand. It markets its products and services through direct sales force, trade associations, agent and enterprise software providers, referral arrangements with value-added resellers, and independent sales organizations. The company was founded in 1967 and is headquartered in Atlanta, Georgia.