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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.08
HPY's Cash to Debt is ranked lower than
92% of the 732 Companies
in the Global Business Services industry.

( Industry Median: 1.75 vs. HPY: 0.08 )
Ranked among companies with meaningful Cash to Debt only.
HPY' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.50 Max: N/A
Current: 0.08
Equity to Asset 0.18
HPY's Equity to Asset is ranked lower than
87% of the 683 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. HPY: 0.18 )
Ranked among companies with meaningful Equity to Asset only.
HPY' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.35 Max: 0.56
Current: 0.18
0.05
0.56
Interest Coverage 10.19
HPY's Interest Coverage is ranked lower than
69% of the 488 Companies
in the Global Business Services industry.

( Industry Median: 37.31 vs. HPY: 10.19 )
Ranked among companies with meaningful Interest Coverage only.
HPY' s 10-Year Interest Coverage Range
Min: 5.53  Med: 18.51 Max: 76.14
Current: 10.19
5.53
76.14
F-Score: 5
Z-Score: 2.80
M-Score: -2.37
WACC vs ROIC
7.01%
8.03%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 3.58
HPY's Operating margin (%) is ranked lower than
58% of the 728 Companies
in the Global Business Services industry.

( Industry Median: 5.49 vs. HPY: 3.58 )
Ranked among companies with meaningful Operating margin (%) only.
HPY' s 10-Year Operating margin (%) Range
Min: -4.35  Med: 3.69 Max: 5.91
Current: 3.58
-4.35
5.91
Net-margin (%) 1.48
HPY's Net-margin (%) is ranked lower than
64% of the 731 Companies
in the Global Business Services industry.

( Industry Median: 3.74 vs. HPY: 1.48 )
Ranked among companies with meaningful Net-margin (%) only.
HPY' s 10-Year Net-margin (%) Range
Min: -6.14  Med: 2.25 Max: 4.77
Current: 1.48
-6.14
4.77
ROE (%) 13.87
HPY's ROE (%) is ranked higher than
67% of the 698 Companies
in the Global Business Services industry.

( Industry Median: 8.18 vs. HPY: 13.87 )
Ranked among companies with meaningful ROE (%) only.
HPY' s 10-Year ROE (%) Range
Min: -33.53  Med: 23.89 Max: 44.33
Current: 13.87
-33.53
44.33
ROA (%) 2.92
HPY's ROA (%) is ranked lower than
54% of the 743 Companies
in the Global Business Services industry.

( Industry Median: 3.50 vs. HPY: 2.92 )
Ranked among companies with meaningful ROA (%) only.
HPY' s 10-Year ROA (%) Range
Min: -10.1  Med: 9.18 Max: 24.21
Current: 2.92
-10.1
24.21
ROC (Joel Greenblatt) (%) 54.06
HPY's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 726 Companies
in the Global Business Services industry.

( Industry Median: 22.09 vs. HPY: 54.06 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HPY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -60.69  Med: 53.85 Max: 92.49
Current: 54.06
-60.69
92.49
Revenue Growth (3Y)(%) 8.00
HPY's Revenue Growth (3Y)(%) is ranked higher than
63% of the 556 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. HPY: 8.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HPY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.4  Med: 8.00 Max: 28
Current: 8
0.4
28
EBITDA Growth (3Y)(%) -1.80
HPY's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 458 Companies
in the Global Business Services industry.

( Industry Median: 5.30 vs. HPY: -1.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HPY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -1.8  Med: 18.00 Max: 64.3
Current: -1.8
-1.8
64.3
EPS Growth (3Y)(%) -5.30
HPY's EPS Growth (3Y)(%) is ranked lower than
67% of the 415 Companies
in the Global Business Services industry.

( Industry Median: 6.30 vs. HPY: -5.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HPY' s 10-Year EPS Growth (3Y)(%) Range
Min: -5.3  Med: 30.40 Max: 85.9
Current: -5.3
-5.3
85.9
» HPY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

HPY Guru Trades in Q2 2014

Joel Greenblatt 211,117 sh (+412.58%)
Ken Fisher 1,804,204 sh (+3.16%)
Paul Tudor Jones Sold Out
Jim Simons 25,900 sh (-80.50%)
RS Investment Management 58,022 sh (-93.20%)
» More
Q3 2014

HPY Guru Trades in Q3 2014

RS Investment Management 1,141,832 sh (+1867.93%)
Ken Fisher 1,862,181 sh (+3.21%)
Joel Greenblatt Sold Out
Jim Simons Sold Out
» More
Q4 2014

HPY Guru Trades in Q4 2014

Ken Fisher 1,839,141 sh (unchged)
Ken Fisher 1,839,141 sh (-1.24%)
RS Investment Management 984,097 sh (-13.81%)
» More
Q1 2015

HPY Guru Trades in Q1 2015

Steven Cohen 75,600 sh (New)
Paul Tudor Jones 4,500 sh (New)
RS Investment Management 1,317,407 sh (+33.87%)
Ken Fisher 1,803,473 sh (-1.94%)
» More
» Details

Insider Trades

Latest Guru Trades with HPY

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

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 56.04
HPY's P/E(ttm) is ranked lower than
86% of the 508 Companies
in the Global Business Services industry.

( Industry Median: 21.20 vs. HPY: 56.04 )
Ranked among companies with meaningful P/E(ttm) only.
HPY' s 10-Year P/E(ttm) Range
Min: 5.07  Med: 24.09 Max: 65.83
Current: 56.04
5.07
65.83
Forward P/E 16.89
HPY's Forward P/E is ranked lower than
60% of the 256 Companies
in the Global Business Services industry.

( Industry Median: 15.29 vs. HPY: 16.89 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 56.90
HPY's PE(NRI) is ranked lower than
86% of the 511 Companies
in the Global Business Services industry.

( Industry Median: 20.60 vs. HPY: 56.90 )
Ranked among companies with meaningful PE(NRI) only.
HPY' s 10-Year PE(NRI) Range
Min: 5.06  Med: 24.22 Max: 88.87
Current: 56.9
5.06
88.87
P/B 7.33
HPY's P/B is ranked lower than
88% of the 685 Companies
in the Global Business Services industry.

( Industry Median: 2.32 vs. HPY: 7.33 )
Ranked among companies with meaningful P/B only.
HPY' s 10-Year P/B Range
Min: 0.87  Med: 5.43 Max: 12.58
Current: 7.33
0.87
12.58
P/S 0.83
HPY's P/S is ranked higher than
61% of the 712 Companies
in the Global Business Services industry.

( Industry Median: 1.25 vs. HPY: 0.83 )
Ranked among companies with meaningful P/S only.
HPY' s 10-Year P/S Range
Min: 0.1  Med: 0.65 Max: 1.26
Current: 0.83
0.1
1.26
PFCF 48.67
HPY's PFCF is ranked lower than
84% of the 382 Companies
in the Global Business Services industry.

( Industry Median: 18.86 vs. HPY: 48.67 )
Ranked among companies with meaningful PFCF only.
HPY' s 10-Year PFCF Range
Min: 4.08  Med: 21.88 Max: 366
Current: 48.67
4.08
366
POCF 20.06
HPY's POCF is ranked lower than
69% of the 491 Companies
in the Global Business Services industry.

( Industry Median: 13.91 vs. HPY: 20.06 )
Ranked among companies with meaningful POCF only.
HPY' s 10-Year POCF Range
Min: 2.14  Med: 11.69 Max: 126.95
Current: 20.06
2.14
126.95
EV-to-EBIT 29.57
HPY's EV-to-EBIT is ranked lower than
80% of the 552 Companies
in the Global Business Services industry.

( Industry Median: 14.88 vs. HPY: 29.57 )
Ranked among companies with meaningful EV-to-EBIT only.
HPY' s 10-Year EV-to-EBIT Range
Min: 2.6  Med: 14.90 Max: 37.8
Current: 29.57
2.6
37.8
Shiller P/E 55.22
HPY's Shiller P/E is ranked lower than
86% of the 341 Companies
in the Global Business Services industry.

( Industry Median: 23.73 vs. HPY: 55.22 )
Ranked among companies with meaningful Shiller P/E only.
HPY' s 10-Year Shiller P/E Range
Min: 31.04  Med: 42.09 Max: 63.83
Current: 55.22
31.04
63.83
Current Ratio 0.98
HPY's Current Ratio is ranked lower than
84% of the 695 Companies
in the Global Business Services industry.

( Industry Median: 1.57 vs. HPY: 0.98 )
Ranked among companies with meaningful Current Ratio only.
HPY' s 10-Year Current Ratio Range
Min: 0.76  Med: 1.09 Max: 1.86
Current: 0.98
0.76
1.86
Quick Ratio 0.96
HPY's Quick Ratio is ranked lower than
78% of the 695 Companies
in the Global Business Services industry.

( Industry Median: 1.43 vs. HPY: 0.96 )
Ranked among companies with meaningful Quick Ratio only.
HPY' s 10-Year Quick Ratio Range
Min: 0.74  Med: 1.06 Max: 1.83
Current: 0.96
0.74
1.83
Days Inventory 1.98
HPY's Days Inventory is ranked higher than
84% of the 434 Companies
in the Global Business Services industry.

( Industry Median: 20.07 vs. HPY: 1.98 )
Ranked among companies with meaningful Days Inventory only.
HPY' s 10-Year Days Inventory Range
Min: 0.37  Med: 1.93 Max: 2.53
Current: 1.98
0.37
2.53
Days Sales Outstanding 36.53
HPY's Days Sales Outstanding is ranked higher than
74% of the 603 Companies
in the Global Business Services industry.

( Industry Median: 54.67 vs. HPY: 36.53 )
Ranked among companies with meaningful Days Sales Outstanding only.
HPY' s 10-Year Days Sales Outstanding Range
Min: 32.32  Med: 34.93 Max: 40.99
Current: 36.53
32.32
40.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.69
HPY's Dividend Yield is ranked lower than
91% of the 694 Companies
in the Global Business Services industry.

( Industry Median: 2.16 vs. HPY: 0.69 )
Ranked among companies with meaningful Dividend Yield only.
HPY' s 10-Year Dividend Yield Range
Min: 0.09  Med: 0.66 Max: 7.32
Current: 0.69
0.09
7.32
Dividend Payout 0.37
HPY's Dividend Payout is ranked higher than
58% of the 435 Companies
in the Global Business Services industry.

( Industry Median: 0.43 vs. HPY: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
HPY' s 10-Year Dividend Payout Range
Min: 0.03  Med: 0.15 Max: 0.44
Current: 0.37
0.03
0.44
Dividend growth (3y) 28.60
HPY's Dividend growth (3y) is ranked higher than
83% of the 247 Companies
in the Global Business Services industry.

( Industry Median: 7.70 vs. HPY: 28.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
HPY' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -45.70 Max: 91.3
Current: 28.6
0
91.3
Yield on cost (5-Year) 6.19
HPY's Yield on cost (5-Year) is ranked higher than
85% of the 700 Companies
in the Global Business Services industry.

( Industry Median: 2.63 vs. HPY: 6.19 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HPY' s 10-Year Yield on cost (5-Year) Range
Min: 0.81  Med: 5.92 Max: 65.7
Current: 6.19
0.81
65.7
Share Buyback Rate 2.60
HPY's Share Buyback Rate is ranked higher than
85% of the 436 Companies
in the Global Business Services industry.

( Industry Median: -1.10 vs. HPY: 2.60 )
Ranked among companies with meaningful Share Buyback Rate only.
HPY' s 10-Year Share Buyback Rate Range
Min: 2.6  Med: -1.30 Max: -34.3
Current: 2.6

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 2.88
HPY's Price/Projected FCF is ranked lower than
81% of the 364 Companies
in the Global Business Services industry.

( Industry Median: 1.36 vs. HPY: 2.88 )
Ranked among companies with meaningful Price/Projected FCF only.
HPY' s 10-Year Price/Projected FCF Range
Min: 1.74  Med: 2.50 Max: 3.77
Current: 2.88
1.74
3.77
Price/Median PS Value 1.27
HPY's Price/Median PS Value is ranked lower than
60% of the 630 Companies
in the Global Business Services industry.

( Industry Median: 1.14 vs. HPY: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
HPY' s 10-Year Price/Median PS Value Range
Min: 0.25  Med: 1.02 Max: 1.76
Current: 1.27
0.25
1.76
Price/Peter Lynch Fair Value 4.69
HPY's Price/Peter Lynch Fair Value is ranked lower than
95% of the 161 Companies
in the Global Business Services industry.

( Industry Median: 1.52 vs. HPY: 4.69 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HPY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.91  Med: 2.92 Max: 4.1
Current: 4.69
0.91
4.1
Earnings Yield (Greenblatt) (%) 3.42
HPY's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 712 Companies
in the Global Business Services industry.

( Industry Median: 4.80 vs. HPY: 3.42 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HPY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.6  Med: 6.70 Max: 38.5
Current: 3.42
2.6
38.5
Forward Rate of Return (Yacktman) (%) 14.78
HPY's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 357 Companies
in the Global Business Services industry.

( Industry Median: 10.66 vs. HPY: 14.78 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HPY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -17.7  Med: 14.80 Max: 51.9
Current: 14.78
-17.7
51.9

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:H5I.Germany,
Heartland Payment Systems Inc was incorporated in the state of Delaware on June 2000. The Company provides Card Payment Processing services to merchants in the United States which involves providing end-to-end electronic payment processing services to merchants. For this the Company undertakes merchant set-up and training, transaction authorization and electronic draft capture, clearing and settlement, merchant accounting, merchant assistance and support, and risk management. The Company sells and rents point-of-sale devices. The Company's customers fall into two categories: small and mid-sized merchants, or SME merchants and Network Services merchants, which are predominately petroleum industry merchants of all sizes. Further, the Company provides additional services such as Heartland School Solutions, Heartland Ovation Payroll, Campus Solutions, Micropayments, and Heartland Marketing Solutions. As of December 31, 2013, the Company provided card payment processing services to 166,697 active SME merchants located across the United States. In addition to settling card transactions, Network Services processes a wide range of payment transactions for its predominantly petroleum customer base, including providing 2.3 billion transaction authorizations through its front-end card processing systems in 2013. The Card Payment Processing revenue from SME merchants and Network Services merchants is recurring in nature. The Company enters into three year service contracts with its SME merchants and three to five year agreements with Network Services merchants. The Company's merchant base include restaurants, brick and mortar retailers, hotel and lodgings, automotive sales and repair shops, convenience and liquor stores, professional service providers and gas stations. As of December 31, 2013 the Company served 42,069 independent restaurants and had partner agreements with approximatley 250 trade associations. The Company has developed number of payment processing systems to increase the operating efficiencies such as HPS Exchange, VAPS and NWS and Passport. The Company undertakes procedures such as Merchant Monitoring, Investigation and Loss Prevention, Underwriting and Collateral to minimize the transaction fraud. The Company's marketing efforts are focused on industries in which its direct sales model is effective on merchants who are typically on location, interact with customers, value a local sales presence, and consult with trade associations and other civic groups to make purchasing decisions.
» More Articles for HPY

Headlines

Articles On GuruFocus.com
Fisher Investments' Top New Stocks of the First Quarter Apr 23 2014 
Weekly CEO Sells Highlight: CALL, TXRH, KNX, HPY May 22 2012 
Heartland Payment Systems Inc. Reports Operating Results (10-K) Mar 10 2011 
Heartland Payment Systems Inc. Reports Operating Results (10-Q) Nov 08 2010 
David Nierenberg’s Top Holdings: MOVE, ESIO, BABY, RSYS, HPY, SPN Aug 27 2010 
Heartland Payment Systems Inc. Reports Operating Results (10-Q) Aug 06 2010 
Heartland Payment Systems Inc. Reports Operating Results (10-Q) May 07 2010 
Heartland Payment Systems Inc. Reports Operating Results (10-Q) Nov 09 2009 
Heartland, Inc. Announces Year End Revenue Projections Sep 01 2009 
Heartland, Inc. Reports Second Quarter 2009 Results Aug 20 2009 

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