Switch to:

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 : 8/10

vs
industry
vs
history
Cash to Debt 0.29
HPY's Cash to Debt is ranked higher than
50% of the 1011 Companies
in the Global Business Services industry.

( Industry Median: 1.04 vs. HPY: 0.29 )
HPY' s 10-Year Cash to Debt Range
Min: 0.2   Max: No Debt
Current: 0.29

Equity to Asset 0.26
HPY's Equity to Asset is ranked lower than
55% of the 995 Companies
in the Global Business Services industry.

( Industry Median: 0.47 vs. HPY: 0.26 )
HPY' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.56
Current: 0.26

0.05
0.56
Interest Coverage 31.86
HPY's Interest Coverage is ranked higher than
67% of the 714 Companies
in the Global Business Services industry.

( Industry Median: 19.86 vs. HPY: 31.86 )
HPY' s 10-Year Interest Coverage Range
Min: 5.53   Max: 76.14
Current: 31.86

5.53
76.14
F-Score: 5
Z-Score: 4.29
M-Score: -2.81
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 (%) 5.57
HPY's Operating margin (%) is ranked higher than
65% of the 1007 Companies
in the Global Business Services industry.

( Industry Median: 6.96 vs. HPY: 5.57 )
HPY' s 10-Year Operating margin (%) Range
Min: -4.35   Max: 5.45
Current: 5.57

-4.35
5.45
Net-margin (%) 3.31
HPY's Net-margin (%) is ranked higher than
64% of the 1007 Companies
in the Global Business Services industry.

( Industry Median: 4.46 vs. HPY: 3.31 )
HPY' s 10-Year Net-margin (%) Range
Min: -6.14   Max: 4.77
Current: 3.31

-6.14
4.77
ROE (%) 29.70
HPY's ROE (%) is ranked higher than
93% of the 974 Companies
in the Global Business Services industry.

( Industry Median: 10.52 vs. HPY: 29.70 )
HPY' s 10-Year ROE (%) Range
Min: -33.53   Max: 44.33
Current: 29.7

-33.53
44.33
ROA (%) 8.11
HPY's ROA (%) is ranked higher than
82% of the 1020 Companies
in the Global Business Services industry.

( Industry Median: 4.48 vs. HPY: 8.11 )
HPY' s 10-Year ROA (%) Range
Min: -10.1   Max: 24.21
Current: 8.11

-10.1
24.21
ROC (Joel Greenblatt) (%) 84.00
HPY's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1018 Companies
in the Global Business Services industry.

( Industry Median: 31.44 vs. HPY: 84.00 )
HPY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 37.27   Max: 85.84
Current: 84

37.27
85.84
Revenue Growth (%) 5.00
HPY's Revenue Growth (%) is ranked higher than
70% of the 843 Companies
in the Global Business Services industry.

( Industry Median: 5.40 vs. HPY: 5.00 )
HPY' s 10-Year Revenue Growth (%) Range
Min: 0.4   Max: 28
Current: 5

0.4
28
» HPY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

HPY Guru Trades in Q3 2013

Joel Greenblatt 52,225 sh (+3.69%)
Steven Cohen Sold Out
Jim Simons 271,300 sh (-0.22%)
RS Investment Management 936,890 sh (-12.25%)
» More
Q4 2013

HPY Guru Trades in Q4 2013

Jim Simons 209,800 sh (-22.67%)
RS Investment Management 636,240 sh (-32.09%)
Joel Greenblatt 7,872 sh (-84.93%)
» More
Q1 2014

HPY Guru Trades in Q1 2014

Ken Fisher 1,748,920 sh (New)
Paul Tudor Jones 7,000 sh (New)
Joel Greenblatt 41,187 sh (+423.21%)
RS Investment Management 853,491 sh (+34.15%)
Jim Simons 132,819 sh (-36.69%)
» More
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 (-80.5%)
RS Investment Management 58,022 sh (-93.2%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-06-30 Add 412.58%0.09%$37.49 - $43.34 $ 47.1816%211117
Joel Greenblatt 2014-03-31 Add 423.21%0.02%$38.97 - $49.95 $ 47.188%41187
Joel Greenblatt 2013-12-31 Reduce -84.93%0.06%$38.03 - $49.87 $ 47.189%7872
Joel Greenblatt 2013-06-30 Reduce -25.18%0.03%$30.49 - $37.25 $ 47.1845%50366
Joel Greenblatt 2012-12-31 Add 67.32%0.05%$26.08 - $32.8 $ 47.1866%70507
Meridian Funds 2012-09-30 Reduce -33.88%0.22%$29.31 - $33 $ 47.1853%436600
Joel Greenblatt 2012-09-30 Add 35.53%0.02%$29.31 - $33 $ 47.1853%42138
Joel Greenblatt 2012-03-31 New Buy0.07%$23.42 - $30.24 $ 47.1886%26926
Meridian Funds 2011-06-30 Add 61.37%0.15%$17 - $21.54 $ 47.18146%659700
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Heartland Payment Systems Inc

Fisher Investments' Top New Stocks of the First Quarter
Ken Fisher (Trades, Portfolio) manages Fisher Investments, under the theory that supply and demand determine markets, and therefore to beat the market investors must find information others don’t know or have misinterpreted. Fisher Investments has $44 billion in assets under management. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 24.40
HPY's P/E(ttm) is ranked higher than
70% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 25.80 vs. HPY: 24.40 )
HPY' s 10-Year P/E(ttm) Range
Min: 5.07   Max: 65.83
Current: 24.4

5.07
65.83
P/B 7.10
HPY's P/B is ranked lower than
51% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 2.95 vs. HPY: 7.10 )
HPY' s 10-Year P/B Range
Min: 0.87   Max: 12.58
Current: 7.1

0.87
12.58
P/S 0.80
HPY's P/S is ranked higher than
77% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 1.48 vs. HPY: 0.80 )
HPY' s 10-Year P/S Range
Min: 0.1   Max: 1.26
Current: 0.8

0.1
1.26
PFCF 28.90
HPY's PFCF is ranked higher than
75% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 47.30 vs. HPY: 28.90 )
HPY' s 10-Year PFCF Range
Min: 4.08   Max: 366
Current: 28.9

4.08
366
EV-to-EBIT 14.93
HPY's EV-to-EBIT is ranked higher than
75% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 18.92 vs. HPY: 14.93 )
HPY' s 10-Year EV-to-EBIT Range
Min: 2.6   Max: 37.8
Current: 14.93

2.6
37.8
Shiller P/E 48.00
HPY's Shiller P/E is ranked higher than
77% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. HPY: 48.00 )
HPY' s 10-Year Shiller P/E Range
Min: 31.08   Max: 53.9
Current: 48

31.08
53.9
Current Ratio 1.11
HPY's Current Ratio is ranked higher than
53% of the 1013 Companies
in the Global Business Services industry.

( Industry Median: 1.46 vs. HPY: 1.11 )
HPY' s 10-Year Current Ratio Range
Min: 0.8   Max: 1.86
Current: 1.11

0.8
1.86
Quick Ratio 1.09
HPY's Quick Ratio is ranked higher than
57% of the 1013 Companies
in the Global Business Services industry.

( Industry Median: 1.29 vs. HPY: 1.09 )
HPY' s 10-Year Quick Ratio Range
Min: 0.76   Max: 1.83
Current: 1.09

0.76
1.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.70
HPY's Dividend Yield is ranked lower than
90% of the 679 Companies
in the Global Business Services industry.

( Industry Median: 2.16 vs. HPY: 0.70 )
HPY' s 10-Year Dividend Yield Range
Min: 0.09   Max: 7.32
Current: 0.7

0.09
7.32
Dividend Payout 0.16
HPY's Dividend Payout is ranked higher than
95% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 1.53 vs. HPY: 0.16 )
HPY' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.44
Current: 0.16

0.03
0.44
Dividend growth (3y) 63.40
HPY's Dividend growth (3y) is ranked higher than
97% of the 458 Companies
in the Global Business Services industry.

( Industry Median: 8.90 vs. HPY: 63.40 )
HPY' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 63.4
Current: 63.4

0
63.4
Yield on cost (5-Year) 0.80
HPY's Yield on cost (5-Year) is ranked lower than
87% of the 698 Companies
in the Global Business Services industry.

( Industry Median: 2.60 vs. HPY: 0.80 )
HPY' s 10-Year Yield on cost (5-Year) Range
Min: 0.1   Max: 8.32
Current: 0.8

0.1
8.32
Share Buyback Rate -1.70
HPY's Share Buyback Rate is ranked higher than
68% of the 718 Companies
in the Global Business Services industry.

( Industry Median: -0.90 vs. HPY: -1.70 )
HPY' s 10-Year Share Buyback Rate Range
Min: 1.6   Max: -34.3
Current: -1.7

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 2.80
HPY's Price/DCF (Projected) is ranked higher than
72% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 2.81 vs. HPY: 2.80 )
HPY' s 10-Year Price/DCF (Projected) Range
Min: 1.67   Max: 3.16
Current: 2.8

1.67
3.16
Price/Median PS Value 1.30
HPY's Price/Median PS Value is ranked higher than
62% of the 1103 Companies
in the Global Business Services industry.

( Industry Median: 1.14 vs. HPY: 1.30 )
HPY' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 1.85
Current: 1.3

0.26
1.85
Earnings Yield (Greenblatt) 6.60
HPY's Earnings Yield (Greenblatt) is ranked higher than
67% of the 913 Companies
in the Global Business Services industry.

( Industry Median: 6.60 vs. HPY: 6.60 )
HPY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 38.5
Current: 6.6

2.6
38.5
Forward Rate of Return (Yacktman) 2.13
HPY's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 779 Companies
in the Global Business Services industry.

( Industry Median: 7.11 vs. HPY: 2.13 )
HPY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.7   Max: 26.7
Current: 2.13

0.7
26.7

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 Delaware in June 2000. The Company's main business is to provide bank card payment processing services to merchants in the United States and Canada. This involves facilitating the exchange of information and funds between merchants and cardholders' financial institutions, providing end-to-end electronic payment processing services to merchants, including 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's merchant customers mainly fall into two categories: its core small and mid-sized merchants and national merchants, mainly in the petroleum industry. The Company also provides additional services to its merchants, such as payroll processing, gift and loyalty programs, paper check processing, and it sells and rents point-of-sale devices and supplies. At December 31, 2012, the Company provided its bank card payment processing services to approximately 169,994 active SME bank card merchants located across the United States. The Processing System Intrusion involved malicious software that appears to have been used to collect in-transit, unencrypted payment card data while it was being processed by Heartland during the transaction authorization process. The Company's bank card processing revenue is recurring in nature. It typically enter into three-year service contracts with its SME merchants that, in order to qualify for the agreed-upon pricing, require the achievement of agreed bank card processing volume minimums from its merchants. The Company's SME gross bank card processing revenue is driven by Visa and MasterCard volume processed by merchants with whom it has processing contracts; as such, it also generally benefit from consumers' increasing use of bank cards in place of cash and checks, and sales growth experienced by its retained bank card merchants. Most of the Company's SME revenue is from gross processing fees, which are mainly a combination of a percentage of the dollar amount of each Visa and MasterCard transaction it process plus a flat fee per transaction. The Company makes mandatory payments of interchange fees to card issuing banks through Visa and MasterCard and dues and assessment fees to Visa and MasterCard, and it retains the remainder of the revenue. The Company's bank card processing revenue from its national merchants is also recurring in nature. In contrast to SME merchants, its processing revenues from national merchants generally consist of a flat fee per transaction and thus are driven mainly by the number of transactions it process, not bank card processing volume. Other products and services which the Company offers are Payroll Processing Services, Micropayment, Heartland School Solution, Heartland Marketing Solutions and Campus Solutions. Through the Company wholly-owned subsidiary, Heartland Payroll Compan
» 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 

More From Other Websites
HEARTLAND PAYMENT SYSTEMS INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Sep 29 2014
Heartland Launches New Mobile and Online Ordering App Sep 22 2014
Heartland Introduces Mobile and Online Ordering Solution for Restaurants Sep 19 2014
HEARTLAND PAYMENT SYSTEMS INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Sep 08 2014
Will Heartland Payment (HPY) Gain on TouchNet Acquisition? Sep 05 2014
Heartland Payment Systems Completes Acquisition of TouchNet Information Systems, Inc. and... Sep 04 2014
Heartland Payment Systems to Present at Upcoming Investor Conferences Sep 03 2014
Insider Trading Alert - UDR, HPY And PLCE Traded By Insiders Aug 29 2014
Heartland Payment Systems Named 2014 Best Company to Sell For By Selling Power Magazine Aug 21 2014
HEARTLAND PAYMENT SYSTEMS INC Financials Aug 19 2014
Banks, retailers speed up drive to add chips to credit, debit cards Aug 18 2014
Will This Acquisition Help Heartland Payment Systems (HPY) Stock? Aug 14 2014
Heartland Payment Systems Acquires Leaf Aug 14 2014
HEARTLAND PAYMENT SYSTEMS INC Files SEC form 10-Q, Quarterly Report Aug 11 2014
HEARTLAND PAYMENT SYSTEMS INC Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 01 2014
Heartland Payment Systems Reports Second Quarter Results Aug 01 2014
Q2 2014 HEARTLAND PAYMENT SYSTEMS INC Earnings Release - Before Market Open Aug 01 2014
HEARTLAND PAYMENT SYSTEMS INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jul 31 2014
Why Heartland Payment Systems (HPY) Stock Is Soaring Today Jul 30 2014
Heartland Payment Systems (HPY) Marked As A Barbarian At The Gate Jul 30 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK