Global Payments, Inc.

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    Fund Managers

    Fisher Asset: What Are Kenneth Fisher’s Investing Ideas?

    At the end of Q3, Fisher Asset’s total portfolio was worth around $91 billion. We’ll focus on Fisher Asset’s top holdings, buys, and sells.

    By Rabindra Samanta
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    Company & Industry Overviews

    Square Stock Rose Due to UBS Coverage Initiation

    Lately, Square (SQ) stock is becoming analysts’ favorite. On Tuesday, UBS analyst Eric Wasserstrom initiated coverage on the stock with a “buy” rating.

    By Sophia Nicholson
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    Tech & Comm Services

    How PayPal’s Bottom Line Is Trending

    PayPal (PYPL) is expected to report its fourth-quarter earnings on January 17.

    By Neha Gupta
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    Earnings Report

    What’s Mastercard’s Valuation ahead of Third-Quarter Earnings?

    At current market prices, Mastercard (MA) trades at a premium valuation to most of its peers with the exception of PayPal Holdings (PYPL).

    By Anirudha Bhagat
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    Earnings Report

    Where Visa Does Stand among Its Peers?

    Analysts gave Visa a target price of $164.47, which is a 16% increase from the current level of $141.74. In 2017, the stock gained ~46%.

    By Anirudha Bhagat
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    Tech & Comm Services

    Why Wall Street Loves Mastercard Stock

    About 93.0% of the 41 analysts covering Mastercard (MA) stock recommended a “strong buy” or a “buy.”

    By Anirudha Bhagat
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    Company & Industry Overviews

    Do Mastercard’s Valuation Multiples Look Attractive?

    Based on Wall Street’s earnings forecast for the next 12 months, Mastercard’s price-to-sales ratio stands at 13.37x.

    By Anirudha Bhagat
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    Company & Industry Overviews

    Mastercard Sees Larger Opportunity in B2B Payment Space

    Since 2017, Mastercard has been working to accelerate the adoption of digital payments in the travel industry through its various platforms.

    By Anirudha Bhagat
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    Company & Industry Overviews

    Do Visa’s Multiples Look Attractive?

    The price-to-earnings (or PE) ratio is considered to be the best multiple to value financial technology companies like Visa (V).

    By Anirudha Bhagat
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    Company & Industry Overviews

    Square Partners Up to Accelerate Its Australia Expansion

    Square (SQ) has teamed up with Australian lender Bank of Queensland in a move that could help accelerate its expansion in the country.

    By Neha Gupta
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    Company & Industry Overviews

    Did PayPal’s Growth Continue in the Second Quarter?

    Since separating from eBay in the third quarter of 2015, PayPal has kept its revenue growing at a double-digit percentage rate and has only missed the consensus estimate once.

    By Neha Gupta
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    Company & Industry Overviews

    Discover Financial Services: Assessing Analysts’ Ratings

    Five analysts suggested a “hold,” one recommended a “strong sell,” and nine recommended a “strong buy” on DFS stock.

    By Raymond Anderson
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    Company & Industry Overviews

    A Look at Discover’s Discounted Valuations

    Discover Financial Services (DFS) has a price-to-earnings ratio on an NTM (next-12-months) basis of ~8.9x, which highlights its lower valuations.

    By Raymond Anderson
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    Company & Industry Overviews

    Discover Financial’s Cashback Checking Program

    Discover’s enterprise-value-to-revenue ratio is ~4.0.

    By Raymond Anderson
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    Company & Industry Overviews

    A Look at Discover’s Direct Banking Segment

    Discover Financial Services’ (DFS) Direct Banking segment generated pretax income of $3.4 billion in 2017.

    By Raymond Anderson
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    Company & Industry Overviews

    What Does Discover Financial Have in Mind for 2018?

    Discover’s 4Q17 operating margin stood at ~49.6% on a TTM (trailing-12-months) basis.

    By Raymond Anderson
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    Company & Industry Overviews

    Intuit’s Desktop Ecosystem Driven by QuickBooks Enterprise

    Intuit’s (INTU) desktop ecosystem has continued to see soft growth in the past few quarters.

    By Aaron Hemsworth
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    Company & Industry Overviews

    What’s Driving Intuit’s Small-Business and Self-Employed Unit

    Intuit’s (INTU) small-business and self-employed division has seen double-digit revenue growth in the last five quarters.

    By Aaron Hemsworth
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    Company & Industry Overviews

    Behind Visa’s Total Operating Expenses

    In fiscal 2017, Visa (V) incurred total operating expenses of $6.2 billion compared to $7.1 billion in fiscal 2016—a fall of 14%.

    By Raymond Anderson
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    Company & Industry Overviews

    What Analysts Recommend for Mastercard

    37 analysts are covering Mastercard (MA) in March 2018. Two of these analysts suggest a “hold,” while 17 analysts recommend a “strong buy.”

    By Raymond Anderson
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    Company & Industry Overviews

    What’s Mastercard’s Valuation?

    Mastercard’s (MA) price-to-earnings ratio stood at 29.10x on an NTM (next-12-month) basis.

    By Raymond Anderson
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    Company & Industry Overviews

    Mastercard Is Focusing on These Key Areas

    Mastercard (MA) is focusing on improving the customer experience to enhance customer loyalty.

    By Raymond Anderson
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    Company & Industry Overviews

    What Are Mastercard’s Growth Strategies?

    Over the past few years, Mastercard’s (MA) revenues have remained consistent.

    By Raymond Anderson
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    Earnings Report

    A Look at Mastercard’s Valuations

    Wall Street analysts have given a one-year price estimate of $191.40 for Mastercard.

    By Raymond Anderson
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    Earnings Report

    Behind Mastercard’s Gross Dollar Volumes

    Mastercard (MA) saw a year-over-year rise of 13.0% in its worldwide gross dollar volumes in 4Q17 on a local currency basis.

    By Raymond Anderson
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    Earnings Report

    Mastercard’s Net Revenues Rose Year-over-Year in 4Q17

    Mastercard (MA) generated total net revenues of $3.3 billion in 4Q17 compared to $2.7 billion in 4Q16.

    By Raymond Anderson
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    Earnings Report

    How Mastercard and Visa Are Pricing Cryptocurrency Fees

    Coinbase accepts crypto purchases using credit or debit cards, and it transfers a 4.0% credit card transaction fee to the buyer.

    By Raymond Anderson
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    Earnings Report

    A Look at the Trend in American Express’s Total Revenues

    American Express’s (AXP) total revenues (net of interest expense) were $8.8 billion in 4Q17 compared to $8 billion in 4Q16.

    By Raymond Anderson
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    Earnings Report

    Understanding American Express’s Global Merchant Services Segment

    American Express’s (AXP) Global Merchant Services segment saw a rise in non-interest revenues from $1.06 billion in 4Q16 to $1.14 billion in 4Q17.

    By Raymond Anderson
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    Earnings Report

    American Express’s Global Commercial Services: Net Income in 4Q17

    American Express’s (AXP) Global Commercial Services segment saw a substantial rise of 52% in net income, from $382 million in 4Q16 to $580 million in 4Q17.

    By Raymond Anderson
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    Company & Industry Overviews

    Why Mastercard’s General and Administrative Expenses Rose

    In the first three quarters of 2017, Mastercard incurred general and administrative expenses of ~$3.2 billion compared to ~$2.7 billion in the first three quarters of 2016.

    By Raymond Anderson
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    Company & Industry Overviews

    Behind Mastercard’s Higher Valuations

    Mastercard has a price-to-cash-flow ratio of ~33.9x on an LTM (last-12-months) basis.

    By Raymond Anderson
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    Company & Industry Overviews

    Mastercard’s Positive View of QR Technology

    Mastercard’s (MA) 3Q17 profit margin stands at 38.7%.

    By Raymond Anderson
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    Company & Industry Overviews

    A Look at Mastercard’s Dividends

    In 1H16, Mastercard (MA) used net cash of $2.3 billion for its financing purposes. In 1H17, it was $2.5 billion for the same purpose.

    By Raymond Anderson
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    Company & Industry Overviews

    Mastercard Witnesses Rise in Net Income

    In 1H16, Mastercard (MA) reported net income of $1.9 billion. In 1H17, it was $2.3 billion, reflecting a substantial rise of 16.5%.

    By Raymond Anderson
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    Earnings Report

    How Did Verifone Systems Perform in 4Q16?

    Verifone Systems (PAY) reported fiscal 4Q16 total net revenues of $464.2 million, a fall of 9.7% compared to total net revenues of $514.1 million in fiscal 4Q15.

    By Gabriel Kane
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    Company & Industry Overviews

    Stifel Downgrades VeriFone Systems to ‘Hold’

    VeriFone Systems (PAY) reported total 3Q16 net revenues of $488.1 million, a fall of 4.3% compared to its total net revenues of $509.9 million in 3Q15.

    By Gabriel Kane
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    Company & Industry Overviews

    Why Leveraged Loan Funds Saw Outflows after 3 Weeks of Inflows

    Collateralized loan obligation (or CLO) deals worth $451 million were priced last week. Year-to-date CLO issuance stands at $7.1 billion.

    By Lynn Noah
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    Company & Industry Overviews

    Leveraged Loan Funds Continue to Witness Inflows

    According to data from Lipper, leveraged loan funds saw an inflow for the third consecutive week. The inflows came totaled $126 million last week.

    By Lynn Noah
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    Miscellaneous

    Parsing the Heartland–Global Payments MAE Clause, Part 3

    Let’s continue our discussion on the Heartland–Global Payments merger. The MAE clause is one of the first things that arbitrageurs look at in a merger agreement.

    By Brent Nyitray, CFA, MBA
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    Miscellaneous

    Parsing the Heartland–Global Payments MAE Clause, Part 1

    In the case of the Heartland–Global Payments merger, the MAE clause lays out the circumstances where Global Payments can back out of its merger with Heartland.

    By Brent Nyitray, CFA, MBA
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    Miscellaneous

    Basics of Global Payments: Merchant Services, Payment Processing

    Global Payments generally has two models. Under the sponsorship model, Global Payments routes transactions but doesn’t perform settlement services.

    By Brent Nyitray, CFA, MBA
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    Miscellaneous

    The Heartland–Global Payments Merger and the Basics of Heartland

    This is our second in-depth series related to the Heartland–Global Payments merger. Here we’ll discuss the background of the two companies, as well as the MAE clause.

    By Brent Nyitray, CFA, MBA
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    Miscellaneous

    The Heartland–Global Payments Merger’s Path to Approval

    Global Payments discusses its competitors, who are large financial institutions. It’s unlikely that this transaction will generate much antitrust scrutiny.

    By Brent Nyitray, CFA, MBA
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    Miscellaneous

    What’s the Rationale for the Heartland–Global Payments Merger?

    The two companies anticipate that the merger will deliver $50 million in synergies in fiscal 2017 and $125 million in annual synergies after that.

    By Brent Nyitray, CFA, MBA
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    Miscellaneous

    Heartland–Global Payments Merger: Basics and Conditions Precedent

    For the Heartland–Global Payments merger to close, Global Payment has to file a PNR to comply with the Hart-Scott-Rodino Antitrust Improvements Act.

    By Brent Nyitray, CFA, MBA
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    Miscellaneous

    Payment Processing Growth: The Heartland–Global Payments Merger

    If you assume a closing date of May 30, 2016, then the Heartland–Global Payments merger spread is trading at an annualized return of about 4%.

    By Brent Nyitray, CFA, MBA
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    Earnings Report

    How Western Union Benefited from Hedge Gains and Cost Savings

    Western Union benefited from hedge gains and cost savings that were offset by rises in technology expense and the negative impact of foreign exchange.

    By Adam Rogers
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    Earnings Report

    Western Union Generated 80% Revenues from One Segment

    In 3Q15, the consumer-to-consumer segment comprised 80% of Western Union’s overall revenues. The segment’s revenues fell by 3% year-over-year.

    By Adam Rogers
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    Earnings Report

    Why Western Union’s 3Q15 Revenues Fell Below Estimates

    On October 29, Western Union released its 3Q15 results with revenues of $1.39 billion, a 3% year-over-year fall compared to $1.44 billion in 3Q14.

    By Adam Rogers
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    Earnings Report

    How Does Global Payments Compare to Its Peers?

    The peers outperformed Global Payments based on the current ratio and PE ratio. Global Payments is way ahead of its peers based on EPS and the PBV ratio.

    By Gabriel Kane
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