GPN vs OWLS vs ZG Stock Comparison

Global Payments, Obook Holdings and Zillow Prices as of Nov 2, 2026 Peers: Industry group
GPN Global Payments Inc
$99.62 +27.1% 1M +28.1% 1Y
Market cap
$26.48B
P/E
–
Revenue (TTM)
$10.23B
Div. yield
1.00%
Payment Processing Technology
7 wins
OWLS Obook Holdings Inc.
$2.30 -57.9% 1M -76.9% 1Y
Market cap
$203.34M
P/E
–
Revenue (TTM)
—
Div. yield
–
Payment Processing Technology
ZG Zillow Group, Inc.
$32.90 +17.1% 1M -54.0% 1Y
Market cap
$7.40B
P/E
136.3x
Revenue (TTM)
$2.81B
Div. yield
–
Real Estate Software Technology
3 wins

Head to Head

10 decided of 12

Global Payments leads on 7 of the 12 questions below (Global Payments 7, Zillow 3). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionGPNOWLSZGLeader
Larger companyMarket capitalisation $26.48B $203.34M $7.40B GPN
Cheaper on earningsLower P/E, profitable companies only -28.8x — 136.3x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS 7.8x — 14.1x GPN
Faster revenue growthRevenue growth, trailing twelve months +32.5% — +17.7% GPN
More profitableNet margin, trailing twelve months -9.1% — 2.0% ZG
Better return on capitalReturn on invested capital 2.3% — 0.2% GPN
Less leveragedLower net debt / EBITDA 4.8x — -0.7x ZG
Higher dividend yieldTrailing dividend yield 1.00% — — –
Better 1-year returnPrice return, last 12 months +28.1% -76.9% -54.0% GPN
Better 5-year returnAnnualised price return, 5 years -5.9%/yr — -13.0%/yr GPN
Less volatileAnnualised volatility, 1 year 41.9% 78.8% 51.6% GPN
Higher overall scoreMean of the five percentile scores vs peers 48/100 — 70/100 ZG

Percentile Scorecard

GPNOWLSZG

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisGPNOWLSZG
Valuation 66 #34 of 99 – 59 #37 of 88
Growth 26 #70 of 94 – 66 #28 of 81
Profitability 64 #33 of 90 – 53 #36 of 76
Financial Health 24 #80 of 105 23 #81 of 105 75 #25 of 95
Shareholder Returns 58 #26 of 61 – 98 #2 of 53
Overall 48 – 70
  • GPN ranked among 109 companies in Fintech
  • OWLS ranked among 109 companies in Fintech
  • ZG ranked among 98 companies in Vertical Software

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodGPNOWLSZGSPY
1 month +27.1%-57.9%+17.1% -2.3%
3 months +15.6%-57.5%-8.1% -0.7%
6 months +38.7%-61.7%-25.7% +4.8%
Year to date +28.7%-65.6%-51.8% +10.3%
1 year +28.1%-76.9%-54.0% +10.3%
3 years -12.4%—-10.5% +73.0%
3 years, per year -4.3%—-3.7% +20.1%
5 years -26.1%—-50.0% +61.9%
5 years, per year -5.9%—-13.0% +10.1%
10 years +41.0%—-5.0% +258.6%
10 years, per year +3.5%—-0.5% +13.6%

Risk

MeasureGPNOWLSZGSPY
Volatility, 1Y 41.9%78.8%51.6% 12.8%
Downside volatility, 1Y 35.9%87.7%55.4% 12.8%
Beta vs S&P 500, 1Y 0.841.121.14 1.00
Return / volatility, 1Y 0.67-0.98-1.05 0.80
Max drawdown, 5Y -58.8%-96.4%-68.1% -25.4%
From 52-week high 0.0%-76.1%-55.5% -3.5%
52-week high $99.62$9.61$73.87 $779.14
52-week low $62.47$1.98$27.70 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleGPNOWLSZG
P/E now vs peer median -28.8xmedian 20.4x —median 20.4x 136.3xmedian 39.9x
P/S now vs peer median 2.6xmedian 2.2x —median 2.2x 2.6xmedian 2.5x
EV/EBITDA now vs peer median 11.8xmedian 13.7x —median 13.7x 24.1xmedian 19.0x
P/FCF now vs peer median 32.2xmedian 16.4x —median 16.4x 28.7xmedian 20.1x
P/B now vs peer median 1.1xmedian 1.9x -16.6xmedian 1.9x 1.7xmedian 1.8x
PEG now vs peer median 0.62median 1.02 —median 1.02 4.24median 1.52

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsGPNOWLSZG
Revenue $10.23B – $2.81B
Gross profit $6.54B – $2.05B
Operating income $1.27B – $12.00M
Net income -$873.78M – $55.00M
Free cash flow $822.72M – $258.00M
R&D – – $611.00M
EPS (diluted) $-3.46 – $0.24
Cash & equivalents $5.41B $10.19M $572.00M
Total debt $23.56B $651.70K $465.00M
Shares (diluted) 270.12M – 227.90M
Enterprise value $4.92B $151.11M $3.25B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricGPNOWLSZG
P/E -28.8x – 136.3x
P/FCF 32.2x – 28.7x
P/Operating cash flow 16.0x – 19.1x
P/S 2.6x – 2.6x
P/B 1.1x -16.6x 1.7x
P/Tangible book 6.1x -15.5x 1.8x
EV/EBITDA 11.8x – 24.1x
EV/EBIT 35.2x – 598.4x
EV/Revenue 4.4x – 2.6x
EV/FCF 54.2x – 27.8x
EV/Operating cash flow 26.9x – 18.5x
PEG (3Y EPS CAGR) 0.62 – 4.24

Growth

14 metrics
MetricGPNOWLSZG
Revenue growth (1Y) 32.5% – 17.7%
Revenue CAGR (3Y) 3.3% – 14.1%
Gross profit growth (1Y) 14.8% – 13.2%
Gross profit CAGR (3Y) 5.7% – 10.5%
Operating income growth (1Y) -33.4% – 109.0%
Operating income CAGR (3Y) -4.4% – 27.0%
Net income growth (1Y) -158.6% – 188.7%
Net income CAGR (3Y) -44.6% – 32.0%
EPS growth (1Y) -158.9% – 198.0%
EPS CAGR (3Y) -46.2% – 32.2%
Operating cash flow growth (1Y) -46.4% – -19.8%
Operating cash flow CAGR (3Y) -9.1% – -4.3%
Free cash flow growth (1Y) -66.6% – -25.0%
Free cash flow CAGR (3Y) -19.7% – -7.0%

Profitability

14 metrics
MetricGPNOWLSZG
Gross margin 63.9% – 72.9%
EBITDA margin 36.8% – 10.6%
Operating margin 12.4% – 0.4%
Pretax margin 5.5% – 2.1%
Net margin -9.1% – 2.0%
FCF margin 8.0% – 9.2%
Operating cash flow margin 16.2% – 13.8%
Return on equity -3.5% – 1.3%
Return on assets -1.3% – 1.0%
Return on invested capital 2.3% – 0.2%
Return on capital employed 2.5% – 0.3%
Asset turnover 0.2x – 0.5x
Cash conversion (OCF / net income) -1.9x – 7.1x
Stock comp / revenue 1.3% – 12.9%

Financial Health

11 metrics
MetricGPNOWLSZG
Debt / assets 37.1% 2.7% 8.8%
Debt / equity 1.0x -0.1x 0.1x
Net debt / EBITDA 4.8x – -0.7x
Debt / FCF 28.6x – 1.8x
Liabilities / assets 62.6% 150.9% 18.8%
Equity / assets 37.4% -50.9% 81.2%
Interest coverage 1.5x – 0.7x
Current ratio 0.8x 0.6x 1.9x
Quick ratio 0.7x 0.5x 0.9x
Cash ratio 0.4x 0.5x 0.8x
Altman Z-score 0.67 – 4.70

Shareholder Returns

7 metrics
MetricGPNOWLSZG
Dividend yield 1.0% – –
Net buyback yield 5.9% – 12.7%
Shareholder yield 6.9% – 12.7%
Payout ratio (earnings) -28.8% – –
Payout ratio (FCF) 30.6% – –
Dividend growth (1Y) 1.8% – –
Dividend CAGR (3Y) -1.7% – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusGPNOWLSZG
Forward P/E 7.8xFY2026 – 14.1xFY2026
EPS, next fiscal year $12.82FY2026 $-0.71FY2026 $2.34FY2026
EPS growth, next FY +4.9%FY2026 – +42.7%FY2026
EPS growth, the year after +18.0% – +26.9%
Revenue, next fiscal year $12.66BFY2026 $8.17MFY2026 $3.04BFY2026
Revenue growth, next FY +35.9%FY2026 +3.9%FY2026 +17.8%FY2026
Revenue growth, the year after +8.4% +536.4% +11.5%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersGPNOWLSZG
Held by institutions 100.0% – 100.0%
Institutions holding 794 – 264
Change in shares held, QoQ +7.4% – +0.1%
Institutions buying 375 – 125
Institutions selling 308 – 98
Buyers to sellers 1.22 – 1.28

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

GPNOWLSZG
GPN 1.00 0.09 0.41
OWLS 0.09 1.00 -0.01
ZG 0.41 -0.01 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, GPN, OWLS and ZG?

Global Payments (GPN) is the largest by market capitalisation: Global Payments (GPN) $26.48B, Obook Holdings (OWLS) $203.34M, Zillow (ZG) $7.40B.

Which company is growing faster?

Global Payments (GPN) grew revenue fastest over the trailing twelve months: Global Payments (GPN) +32.5%, Zillow (ZG) +17.7%.

Which company is more profitable?

Zillow (ZG) has the highest net margin (Global Payments (GPN) -9.1%, Zillow (ZG) 2.0%). On return on invested capital, Global Payments (GPN) leads (Global Payments (GPN) 2.3%, Zillow (ZG) 0.2%).

Which stock has performed better?

Over the past year Global Payments (GPN) returned the most: Global Payments (GPN) +28.1%, Obook Holdings (OWLS) -76.9%, Zillow (ZG) -54.0%. Over five years, Global Payments (GPN) compounded fastest (Global Payments (GPN) -5.9%/yr, Zillow (ZG) -13.0%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Global Payments (GPN) 1.00%. Obook Holdings (OWLS) and Zillow (ZG) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Global Payments (GPN) has been the steadiest (Global Payments (GPN) 41.9%, Obook Holdings (OWLS) 78.8%, Zillow (ZG) 51.6%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, GPN, OWLS and ZG?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Global Payments (GPN) leads on 7. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.