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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

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

» NTSP's 10-Y Financials


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

» Details

Guru Trades

NTSP Guru Trades in

NTSP Guru Trades in

Q2 2013

NTSP Guru Trades in Q2 2013

Mario Gabelli 18,400 sh (+4.55%)
Jim Simons 595,200 sh (-16.66%)
First Eagle Investment 550,000 sh (-27.93%)
» More
Q3 2013

NTSP Guru Trades in Q3 2013

First Eagle Investment Sold Out
Jim Simons Sold Out
Mario Gabelli Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with NTSP

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

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Valuation & Return


Business Description

Industry: Business Services » Business Services
Compare: » details
NetSpend Holdings, Inc. was incorporated in the state of Delaware. It is the provider of general-purpose reloadable prepaid debit cards, or GPR cards, and related alternative financial services to underbanked consumers in the U.S. It empower underbanked consumers by providing innovative and affordable financial products and services tailored to meet their particular financial services needs and preferences in a manner that traditional banking institutions have historically not met. In addition, its products and services provide its retail distributors an opportunity to enhance their customer relationships and generate incremental, ongoing revenue streams. It has leveraged its knowledge to develop a robust portfolio of products and services designed to meet the financial needs of its consumers. Its GPR cards are tied to FDIC-insured depository accounts and can be used to make purchase transactions at any merchant that participates in the MasterCard, Visa or PULSE networks and to withdraw funds at participating ATMs. The additional features it offer to its cardholders include direct deposit, interest-bearing savings accounts, bill pay and card-to-card transfer functionality, personal financial management tools and online and mobile phone card account access. It has built an extensive and diverse distribution and reload network to support the marketing and ongoing use of its GPR cards. It market its cards through multiple distribution channels, including contractual relationships with retail distributors, direct-to-consumer and online marketing programs, and contractual relationships with corporate employers. It has developed a proprietary, fully-integrated operational and technology platform. These integrated capabilities allow them to customize its products and services for different markets, distribution channels and customer segments. It has competitive strengths which includes: Extensive Knowledge of Underbanked Consumers, Valuable and Loyal Customer Base, Extensive and Diverse Distribution and Reload Network, End-to-End, Scalable and Proprietary Technology Platform, Strong Regulatory Compliance and Proven and Experienced Management Team. Its business strategy is Increase Penetration of the Underbanked Consumer Market, Increase Cardholder Usage and Retention and Leverage its Technology Platform to Increase Profitability. It has agreements with FDIC-insured depository institutions that serve as the issuers of its MasterCard- and Visa-branded GPR cards. As a prepaid debit card provider, its business is subject to a variety of state and federal laws and regulations.
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Articles On GuruFocus.com
5 of the Fastest-Growing and Value-Creating Business Services Stocks Oct 19 2011 
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