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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 2/10

vs
industry
vs
history
Cash-to-Debt 0.17
ACRT's Cash-to-Debt is ranked lower than
89% of the 1921 Companies
in the Global Software - Application industry.

( Industry Median: 10.13 vs. ACRT: 0.17 )
Ranked among companies with meaningful Cash-to-Debt only.
ACRT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.2 Max: No Debt
Current: 0.17
Equity-to-Asset -8.88
ACRT's Equity-to-Asset is ranked lower than
99% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 0.60 vs. ACRT: -8.88 )
Ranked among companies with meaningful Equity-to-Asset only.
ACRT' s Equity-to-Asset Range Over the Past 10 Years
Min: -44.67  Med: -8.88 Max: 1
Current: -8.88
-44.67
1
Piotroski F-Score: 3
Altman Z-Score: -136.15
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating Margin % -9180.00
ACRT's Operating Margin % is ranked lower than
100% of the 1862 Companies
in the Global Software - Application industry.

( Industry Median: 4.84 vs. ACRT: -9180.00 )
Ranked among companies with meaningful Operating Margin % only.
ACRT' s Operating Margin % Range Over the Past 10 Years
Min: -11450  Med: -1575 Max: -466.67
Current: -9180
-11450
-466.67
Net Margin % -10400.00
ACRT's Net Margin % is ranked lower than
100% of the 1863 Companies
in the Global Software - Application industry.

( Industry Median: 3.19 vs. ACRT: -10400.00 )
Ranked among companies with meaningful Net Margin % only.
ACRT' s Net Margin % Range Over the Past 10 Years
Min: -13025  Med: -1575 Max: -471.11
Current: -10400
-13025
-471.11
ROA % -1452.51
ACRT's ROA % is ranked lower than
99% of the 1927 Companies
in the Global Software - Application industry.

( Industry Median: 2.92 vs. ACRT: -1452.51 )
Ranked among companies with meaningful ROA % only.
ACRT' s ROA % Range Over the Past 10 Years
Min: -7066.67  Med: -1375 Max: -1028.57
Current: -1452.51
-7066.67
-1028.57
3-Year Revenue Growth Rate -100.00
ACRT's 3-Year Revenue Growth Rate is ranked lower than
100% of the 1454 Companies
in the Global Software - Application industry.

( Industry Median: 5.30 vs. ACRT: -100.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ACRT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -100 Max: 26
Current: -100
0
26
3-Year EBITDA Growth Rate 3.20
ACRT's 3-Year EBITDA Growth Rate is ranked higher than
74% of the 1210 Companies
in the Global Software - Application industry.

( Industry Median: 8.40 vs. ACRT: 3.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ACRT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.6 Max: 23.3
Current: 3.2
0
23.3
3-Year EPS without NRI Growth Rate 12.60
ACRT's 3-Year EPS without NRI Growth Rate is ranked higher than
98% of the 1098 Companies
in the Global Software - Application industry.

( Industry Median: 7.70 vs. ACRT: 12.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ACRT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -11.2  Med: 8.1 Max: 171.4
Current: 12.6
-11.2
171.4
GuruFocus has detected 3 Warning Signs with Advanced Credit Technologies Inc $ACRT.
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» ACRT's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Application Software » Software - Application    NAICS: 423430    SIC: 5045
Compare:OTCPK:PAYD, OTCPK:FIND, OTCPK:GLNNF, OTCPK:APPO, OTCPK:NAHD, OTCPK:CYBF, OTCPK:KGNR, OTCPK:ENCR, NAS:INPX, OTCPK:MOST, OTCPK:WDDD, OTCPK:ARHTF, OTCPK:ATEA, OTCPK:VLDI, OTCPK:YPPN, NAS:TSRI, OTCPK:MAXD, OTCPK:FTWS, NAS:OHGI, NAS:SMSI » details
Headquarter Location:USA
Advanced Credit Technologies Inc provides proprietary software platform which allows customers to monitor and manage their credit from the privacy of their own homes. It also offers private label websites allowing customers to use their store front.

Advanced Credit Technologies, Inc. offers easy-to-use technology platform that streamlines the credit management process. It also intends to offer additional e-books and Facebook applications for other financial products.

Top Ranked Articles about Advanced Credit Technologies Inc

Advanced Credit and Zoompass Team up for Pre-Paid Card Verticals

VENICE, FL--(Marketwired - Jun 16, 2016) - Advanced Credit Technologies, Inc. (OTCQB: ACRT) has issued the following update on the company's business and information objectives going forward in the second quarter of 2016. Advanced Credit Technologies, Inc. is pleased to announce it has agreed in principal to have Toronto based Zoompass (www.zoompass.com) facilitate its financial services processing for its various verticals, and to also include the TurnScor Pre-Paid Card. As the market expands and diversifies, prepaid card products are increasingly in demand by both the unbanked as well as the more seasoned banked population. This increased activity is demanding considerable attention from financial institutions, which are benefitting by making these cards more attractive to consumers. According to a recent study from Mercator Advisory Group, Inc., consumers loaded $276.7 billion onto prepaid cards last year and the organization predicts that number to exceed $568.4 billion by 2016. That makes it the fastest-growing non-cash method of payment in the United States. "The explosive growth in this part of the financial services arena is why partnering with Zoompass, a leading global financial services company and developer of one of the leading white label mobile wallet solutions in the market today, creates such a powerful combination. Zoompass's ability to offer products in all the channels opens up significant opportunities, such as payroll cards, student university cards, travel cards, and affinity cards makes them a natural fit with our marketing goals," said Chris Jackson CEO of Advanced Credit. Chris Jackson further stated, "Partnering with a company like Zoompass gives us the flexibility we need in the market place, the resources to go global, and still give customers the personal touch." "This is one of the hallmarks of our company," stated Rob Lee, CEO, Zoompass Inc. "We pride ourselves on going the extra mile for customers and clients alike, and we're really excited to help Advanced Credit Technologies, Inc. get their cards into the market place. This is a growing space and our virtual wallet truly compliments the card program. We're extremely motivated to get these programs launched to start deriving revenues for both companies." About Zoompass

Zoompass Inc. is a leading financial services technology company with a unique place in the Fintech space as both a technology platform provider and physical prepaid card provider. Zoompass provides businesses and government complete program management services for a wide range of open loop Visa® and MasterCard® prepaid and virtual card accounts. Zoompass enables businesses to provide their customers with a number of open loop card choices including, gift cards, incentive cards, check replacement cards and online virtual card accounts. The company also provides advanced mobile technology, enabling businesses to provide their customers with a white label mobile wallet solution, like Zoompass, with the ability to manage their card balances, bill pay, transfer funds and perform card to card money transfers in real time using their mobile devices. For more information about Zoompass, visit www.zoompass.com. Safe Harbor:

From time to time, the Company may issue news releases that contain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the safe harbor created by those sections. This material may contain statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. For those statements, the Company claims the protection of the safe harbor for forward-looking statement provisions contained in the Private Securities Litigation Reform Act of 1995 and any amendments thereto. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions, or future events or performance are not statements of historical fact and may be "forward-looking statements." "Forward-looking statements" are based upon expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties that could cause actual results or events to differ materially from those anticipated.


Contact:

Chris Jackson

[email protected]

612-961-4536





Read more...

Ratios

vs
industry
vs
history
EV-to-EBIT -13.80
ACRT's EV-to-EBIT is ranked lower than
99.99% of the 1770 Companies
in the Global Software - Application industry.

( Industry Median: 17.68 vs. ACRT: -13.80 )
Ranked among companies with meaningful EV-to-EBIT only.
ACRT' s EV-to-EBIT Range Over the Past 10 Years
Min: -32.4  Med: -10.4 Max: -2.4
Current: -13.8
-32.4
-2.4
EV-to-EBITDA -13.80
ACRT's EV-to-EBITDA is ranked lower than
99.99% of the 1910 Companies
in the Global Software - Application industry.

( Industry Median: 13.76 vs. ACRT: -13.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACRT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -32.4  Med: -10.4 Max: -2.4
Current: -13.8
-32.4
-2.4
Current Ratio 0.10
ACRT's Current Ratio is ranked lower than
98% of the 1750 Companies
in the Global Software - Application industry.

( Industry Median: 1.94 vs. ACRT: 0.10 )
Ranked among companies with meaningful Current Ratio only.
ACRT' s Current Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.07 Max: 0.16
Current: 0.1
0.02
0.16
Quick Ratio 0.10
ACRT's Quick Ratio is ranked lower than
98% of the 1750 Companies
in the Global Software - Application industry.

( Industry Median: 1.79 vs. ACRT: 0.10 )
Ranked among companies with meaningful Quick Ratio only.
ACRT' s Quick Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.07 Max: 0.16
Current: 0.1
0.02
0.16

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -25.50
ACRT's 3-Year Average Share Buyback Ratio is ranked lower than
83% of the 1148 Companies
in the Global Software - Application industry.

( Industry Median: -2.60 vs. ACRT: -25.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ACRT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -25.5  Med: -13.65 Max: -6.7
Current: -25.5
-25.5
-6.7

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) % -7.24
ACRT's Earnings Yield (Greenblatt) % is ranked lower than
81% of the 2521 Companies
in the Global Software - Application industry.

( Industry Median: 3.23 vs. ACRT: -7.24 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ACRT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -18.01  Med: 0 Max: 0
Current: -7.24
-18.01
0

More Statistics

Revenue (TTM) (Mil) $0.01
EPS (TTM) $ -0.03
Beta0.83
Short Percentage of Float0.00%
52-Week Range $0.07 - 0.23
Shares Outstanding (Mil)44.46
» More Articles for ACRT

Headlines

Articles On GuruFocus.com
Advanced Credit and Zoompass Team up for Pre-Paid Card Verticals Jun 16 2016 
Advanced Credit Technologies, Inc. to Enhance TurnScor Pre-Paid Card With State-of-the-Art Sequre Lo Dec 17 2015 
UPDATE - Advanced Credit Technologies, Inc. to Enhance TurnScor Pre-Paid Card With State-of-the-Art Dec 17 2015 
Comprehensive Interview With Kinsley Street Investors Group ("Kinsley"), Kinsley Quoted as Saying AC Oct 13 2015 
Advanced Credit Technologies, Inc. TurnScor Card Has Many Benefits Oct 06 2015 
Weekly Top Insider Buys: AA, EVEP, ACRT, GBX, MCEP Apr 23 2012 

More From Other Websites
Advanced Credit Technologies, Inc. :ACRT-US: Earnings Analysis: Q3, 2016 By the Numbers : November... Nov 14 2016
Advanced Credit Technologies, Inc. and hCentive sign "Teaming Agreement" for CyberloQ Technology Oct 25 2016
Advanced Credit Technologies, Inc. Acquires Fraud Mitigation Technology Jul 07 2016
Advanced Credit and Zoompass Team up for Pre-Paid Card Verticals Jun 16 2016
UPDATE - Advanced Credit Technologies, Inc. to Enhance TurnScor Pre-Paid Card With State-of-the-Art... Dec 17 2015
Advanced Credit Technologies, Inc. TurnScor Card Has Many Benefits Oct 06 2015
"Major" Credit Bureau Changes for Consumers in March 2015 Apr 14 2015
Advanced Credit Technologies, Inc. Will Also Offer "Payroll" Cards in Its Platform Apr 08 2015
Advanced Credit Technologies Prepares Launch of Pre-Paid Card Mar 11 2015
Advanced Credit Technologies, Inc. Enters into Partnership with Capstone Data for Prepaid Card... Feb 25 2015
Advanced Credit Technologies, Inc. (OTCQB-ACRT) Has Issued the Following Update on the Company's... Feb 18 2015

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