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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 : 3/10

vs
industry
vs
history
Cash to Debt 0.89
EPAY's Cash to Debt is ranked lower than
77% of the 1714 Companies
in the Global Software - Application industry.

( Industry Median: 17.11 vs. EPAY: 0.89 )
Ranked among companies with meaningful Cash to Debt only.
EPAY' s 10-Year Cash to Debt Range
Min: 0.51  Med: 10000.00 Max: No Debt
Current: 0.89
Equity to Asset 0.52
EPAY's Equity to Asset is ranked lower than
64% of the 1511 Companies
in the Global Software - Application industry.

( Industry Median: 0.61 vs. EPAY: 0.52 )
Ranked among companies with meaningful Equity to Asset only.
EPAY' s 10-Year Equity to Asset Range
Min: 0.52  Med: 0.74 Max: 0.84
Current: 0.52
0.52
0.84
F-Score: 5
Z-Score: 2.51
M-Score: -2.85
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 : 5/10

vs
industry
vs
history
Operating margin (%) -0.08
EPAY's Operating margin (%) is ranked lower than
67% of the 1686 Companies
in the Global Software - Application industry.

( Industry Median: 5.08 vs. EPAY: -0.08 )
Ranked among companies with meaningful Operating margin (%) only.
EPAY' s 10-Year Operating margin (%) Range
Min: -52.43  Med: -3.09 Max: 15.19
Current: -0.08
-52.43
15.19
Net-margin (%) -4.44
EPAY's Net-margin (%) is ranked lower than
72% of the 1686 Companies
in the Global Software - Application industry.

( Industry Median: 3.22 vs. EPAY: -4.44 )
Ranked among companies with meaningful Net-margin (%) only.
EPAY' s 10-Year Net-margin (%) Range
Min: -52.43  Med: -4.01 Max: 18.95
Current: -4.44
-52.43
18.95
ROE (%) -3.89
EPAY's ROE (%) is ranked lower than
72% of the 1646 Companies
in the Global Software - Application industry.

( Industry Median: 6.12 vs. EPAY: -3.89 )
Ranked among companies with meaningful ROE (%) only.
EPAY' s 10-Year ROE (%) Range
Min: -53.3  Med: -4.41 Max: 16.11
Current: -3.89
-53.3
16.11
ROA (%) -2.14
EPAY's ROA (%) is ranked lower than
69% of the 1724 Companies
in the Global Software - Application industry.

( Industry Median: 3.09 vs. EPAY: -2.14 )
Ranked among companies with meaningful ROA (%) only.
EPAY' s 10-Year ROA (%) Range
Min: -42.61  Med: -2.94 Max: 12.2
Current: -2.14
-42.61
12.2
ROC (Joel Greenblatt) (%) -12.61
EPAY's ROC (Joel Greenblatt) (%) is ranked lower than
72% of the 1699 Companies
in the Global Software - Application industry.

( Industry Median: 22.78 vs. EPAY: -12.61 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
EPAY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -569.81  Med: -40.98 Max: 211.09
Current: -12.61
-569.81
211.09
Revenue Growth (3Y)(%) 13.00
EPAY's Revenue Growth (3Y)(%) is ranked higher than
73% of the 1285 Companies
in the Global Software - Application industry.

( Industry Median: 5.00 vs. EPAY: 13.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EPAY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.4  Med: 1.90 Max: 18.6
Current: 13
-6.4
18.6
EBITDA Growth (3Y)(%) 0.40
EPAY's EBITDA Growth (3Y)(%) is ranked lower than
60% of the 1025 Companies
in the Global Software - Application industry.

( Industry Median: 6.90 vs. EPAY: 0.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EPAY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -48.8  Med: 0.40 Max: 65.7
Current: 0.4
-48.8
65.7
» EPAY's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

EPAY Guru Trades in Q2 2014

Paul Tudor Jones 10,600 sh (New)
Mariko Gordon 16,874 sh (-26.87%)
Ron Baron 1,233,750 sh (-27.64%)
» More
Q3 2014

EPAY Guru Trades in Q3 2014

Jim Simons 263,042 sh (New)
Paul Tudor Jones 17,203 sh (+62.29%)
Mariko Gordon Sold Out
Ron Baron 1,208,750 sh (-2.03%)
» More
Q4 2014

EPAY Guru Trades in Q4 2014

Ron Baron 978,750 sh (-19.03%)
Jim Simons 176,942 sh (-32.73%)
Paul Tudor Jones 10,008 sh (-41.82%)
» More
Q1 2015

EPAY Guru Trades in Q1 2015

George Soros 238,295 sh (New)
Chuck Royce 105,597 sh (New)
Ron Baron 978,750 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 94,242 sh (-46.74%)
» More
» Details

Insider Trades

Latest Guru Trades with EPAY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
Forward P/E 17.76
EPAY's Forward P/E is ranked higher than
56% of the 584 Companies
in the Global Software - Application industry.

( Industry Median: 20.24 vs. EPAY: 17.76 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 2.93
EPAY's P/B is ranked lower than
52% of the 1692 Companies
in the Global Software - Application industry.

( Industry Median: 2.83 vs. EPAY: 2.93 )
Ranked among companies with meaningful P/B only.
EPAY' s 10-Year P/B Range
Min: 1  Med: 2.59 Max: 4.57
Current: 2.93
1
4.57
P/S 3.20
EPAY's P/S is ranked lower than
59% of the 1858 Companies
in the Global Software - Application industry.

( Industry Median: 2.46 vs. EPAY: 3.20 )
Ranked among companies with meaningful P/S only.
EPAY' s 10-Year P/S Range
Min: 0.87  Med: 2.86 Max: 5.03
Current: 3.2
0.87
5.03
PFCF 24.22
EPAY's PFCF is ranked higher than
52% of the 872 Companies
in the Global Software - Application industry.

( Industry Median: 25.66 vs. EPAY: 24.22 )
Ranked among companies with meaningful PFCF only.
EPAY' s 10-Year PFCF Range
Min: 9.54  Med: 26.64 Max: 137.78
Current: 24.22
9.54
137.78
POCF 16.67
EPAY's POCF is ranked higher than
56% of the 1096 Companies
in the Global Software - Application industry.

( Industry Median: 18.67 vs. EPAY: 16.67 )
Ranked among companies with meaningful POCF only.
EPAY' s 10-Year POCF Range
Min: 7.14  Med: 21.25 Max: 59.05
Current: 16.67
7.14
59.05
Current Ratio 2.18
EPAY's Current Ratio is ranked higher than
53% of the 1553 Companies
in the Global Software - Application industry.

( Industry Median: 2.07 vs. EPAY: 2.18 )
Ranked among companies with meaningful Current Ratio only.
EPAY' s 10-Year Current Ratio Range
Min: 0.89  Med: 2.43 Max: 5.86
Current: 2.18
0.89
5.86
Quick Ratio 2.18
EPAY's Quick Ratio is ranked higher than
56% of the 1553 Companies
in the Global Software - Application industry.

( Industry Median: 1.93 vs. EPAY: 2.18 )
Ranked among companies with meaningful Quick Ratio only.
EPAY' s 10-Year Quick Ratio Range
Min: 0.89  Med: 2.43 Max: 5.82
Current: 2.18
0.89
5.82
Days Sales Outstanding 71.63
EPAY's Days Sales Outstanding is ranked lower than
53% of the 1453 Companies
in the Global Software - Application industry.

( Industry Median: 68.81 vs. EPAY: 71.63 )
Ranked among companies with meaningful Days Sales Outstanding only.
EPAY' s 10-Year Days Sales Outstanding Range
Min: 60.11  Med: 75.55 Max: 107.2
Current: 71.63
60.11
107.2

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 1.66
EPAY's Price/Projected FCF is ranked higher than
51% of the 793 Companies
in the Global Software - Application industry.

( Industry Median: 1.72 vs. EPAY: 1.66 )
Ranked among companies with meaningful Price/Projected FCF only.
EPAY' s 10-Year Price/Projected FCF Range
Min: 0.87  Med: 1.89 Max: 4.92
Current: 1.66
0.87
4.92
Price/Median PS Value 1.11
EPAY's Price/Median PS Value is ranked higher than
54% of the 1577 Companies
in the Global Software - Application industry.

( Industry Median: 1.22 vs. EPAY: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
EPAY' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 0.94 Max: 6.77
Current: 1.11
0.29
6.77
Earnings Yield (Greenblatt) (%) -0.40
EPAY's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1741 Companies
in the Global Software - Application industry.

( Industry Median: 2.50 vs. EPAY: -0.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EPAY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -0.4  Med: 1.50 Max: 2.6
Current: -0.4
-0.4
2.6
Forward Rate of Return (Yacktman) (%) -3.81
EPAY's Forward Rate of Return (Yacktman) (%) is ranked lower than
78% of the 664 Companies
in the Global Software - Application industry.

( Industry Median: 10.82 vs. EPAY: -3.81 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EPAY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -7.9  Med: 2.20 Max: 51.7
Current: -3.81
-7.9
51.7

Analyst Estimate

Jun15 Jun16 Jun17
Revenue(Mil) 332 365 400
EPS($) 0.76 1.56 1.92
EPS without NRI($) 0.76 1.56 1.92

Business Description

Industry: Application Software » Software - Application
Compare:CRM, SQI, RHT, INTU, ADBE » details
Traded in other countries:BOT.Germany,
Bottomline Technologies Inc was originally organized as a New Hampshire corporation in 1989 and was re-incorporated as a Delaware corporation in August 1997. The Company provides cloud-based payment, invoice and banking solutions to corporations, financial institutions and banks. The companys solutions are used to streamline, automate and manage processes involving payments, invoicing, global cash management, supply chain finance and transactional documents. Its business is segmented into three areas - Payments and Transactional Documents, Banking Solutions and Hosted Solutions. The Payments and Transactional Documents segment provide financial business process management solutions, including making and collecting payments, sending and receiving invoices, as well as generating and storing business documents. The Banking Solutions segment provides solutions that are specifically designed for banking and financial institution customers. The Hosted Solutions segment provides customers with hosted SaaS offerings that facilitate electronic payment, electronic invoicing, and spend management. The Companys product portfolio includes cash management and treasury platforms that enable banks to offer ACH and BACS payments, wires, international payments, check production, balance and information reporting, and cash management facilities; and legal spend management solutions, which integrate with claims management, and time and billing systems to automate legal invoice management processes. It also offers Paymode-X, a business-to-business electronic settlement network, such as online access to purchase orders, invoices, payments, and remittance details, as well as comprehensive workflow and turnkey vendor enrollment and support; and WebSeries and C-Series, the payment and document automation solutions that generate payment instructions along with consolidated bank reporting of cash activity. In addition, the company provides forms management, mobile documentation, workflow automation, and payments solutions to healthcare organizations. Further, it offers SWIFT access service that enables corporations exchange financial information with their banks and counterparties. Additionally, the company provides consulting, project implementation, and training services; and consumable products for laser check printing that comprise magnetic ink character recognition toner and blank-paper check stock, as well as printers and printer-related equipment. The Company has operational footprints across United States, United Kingdom, Continental Europe and Asia-Pacific. It serves various industries such as financial services, insurance, health care, and technology, among others.
» More Articles for EPAY

Headlines

Articles On GuruFocus.com
WEEKLY CFO SELLS HIGHLIGHT: IACI, NUS, RFMD, EPAY, AVB Nov 13 2011 
Weekly CFO Sales Highlight: VHC, MMI, SO, ROL, EPAY Sep 03 2011 
Bottomline Technologies Inc. (EPAY) President and CEO Robert A Eberle sells 10,796 Shares Mar 01 2011 
Bottomline Technologies Inc. (EPAY) President and CEO Robert A Eberle sells 15,404 Shares Feb 24 2011 
Bottomline Technologies Inc. (EPAY) President and CEO Robert A Eberle sells 69,902 Shares Feb 03 2011 
Bottomline Technologies Inc. (EPAY) President and CEO Robert A Eberle sells 1,941 Shares Dec 22 2010 
Bottomline Technologies Inc. (EPAY) President and CEO Robert A Eberle sells 7,850 Shares Dec 03 2010 
Bottomline Technologies Inc. (EPAY) President and CEO Robert A Eberle sells 4,135 Shares Nov 30 2010 
Bottomline Technologies Inc. (EPAY) CFO Kevin M Donovan sells 30,000 Shares Nov 08 2010 
Bottomline Technologies Inc. (EPAY) President and CEO Robert A Eberle sells 25,602 Shares Nov 05 2010 

More From Other Websites
Edited Transcript of EPAY conference call or presentation 12-Jun-15 12:00pm GMT Jun 13 2015
Bottomline Announces Stock Repurchase Program Jun 11 2015
Bottomline Announces Stock Repurchase Program Jun 11 2015
Cedars-Sinai Selects Bottomline Technologies to Protect Patient Privacy May 26 2015
Cedars-Sinai Selects Bottomline Technologies to Protect Patient Privacy May 26 2015
BOTTOMLINE TECHNOLOGIES INC /DE/ Financials May 15 2015
10-Q for Bottomline Technologies, Inc. May 10 2015
BOTTOMLINE TECHNOLOGIES INC /DE/ Files SEC form 10-Q, Quarterly Report May 08 2015
BOTTOMLINE TECHNOLOGIES INC /DE/ Files SEC form 8-K, Change in Directors or Principal Officers,... May 05 2015
Bottomline Technologies posts 3Q loss Apr 30 2015
Bottomline Technologies posts 3Q loss Apr 30 2015
Bottomline Technologies Reports Third Quarter Results Apr 30 2015
Bottomline Technologies Names Rick Booth Chief Financial Officer Apr 30 2015
BOTTOMLINE TECHNOLOGIES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 30 2015
Bottomline Technologies Names Rick Booth Chief Financial Officer Apr 30 2015
Bottomline Technologies Reports Third Quarter Results Apr 30 2015
Q3 2015 Bottomline Technologies (DE) Inc Earnings Release - 4:00 pm ET Apr 30 2015
Bottomline Technologies Launches Healthcare Privacy and Data Security Solution at HIMSS15 Apr 23 2015
Bottomline Technologies to Announce Third Quarter Fiscal 2015 Financial Results On April 30, 2015 Apr 23 2015
Bottomline Technologies to Announce Third Quarter Fiscal 2015 Financial Results on April 30, 2015 Apr 23 2015

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