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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.07
ONE's Cash to Debt is ranked lower than
63% of the 959 Companies
in the Global Business Services industry.

( Industry Median: 1.72 vs. ONE: 0.07 )
ONE' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.07

Equity to Asset 0.31
ONE's Equity to Asset is ranked lower than
52% of the 937 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. ONE: 0.31 )
ONE' s 10-Year Equity to Asset Range
Min: -0.86   Max: 0.7
Current: 0.31

-0.86
0.7
Interest Coverage 8.39
ONE's Interest Coverage is ranked higher than
52% of the 675 Companies
in the Global Business Services industry.

( Industry Median: 21.89 vs. ONE: 8.39 )
ONE' s 10-Year Interest Coverage Range
Min: 8.39   Max: 178.63
Current: 8.39

8.39
178.63
F-Score: 5
Z-Score: 2.32
M-Score: -3.06
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 : 8/10

vs
industry
vs
history
Operating margin (%) 12.24
ONE's Operating margin (%) is ranked higher than
80% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 7.12 vs. ONE: 12.24 )
ONE' s 10-Year Operating margin (%) Range
Min: 12.24   Max: 30.06
Current: 12.24

12.24
30.06
Net-margin (%) 6.69
ONE's Net-margin (%) is ranked higher than
74% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 4.59 vs. ONE: 6.69 )
ONE' s 10-Year Net-margin (%) Range
Min: 6.69   Max: 18.65
Current: 6.69

6.69
18.65
ROE (%) 19.36
ONE's ROE (%) is ranked higher than
87% of the 919 Companies
in the Global Business Services industry.

( Industry Median: 10.28 vs. ONE: 19.36 )
ONE' s 10-Year ROE (%) Range
Min: 19.36   Max: 200.1
Current: 19.36

19.36
200.1
ROA (%) 6.08
ONE's ROA (%) is ranked higher than
75% of the 965 Companies
in the Global Business Services industry.

( Industry Median: 4.48 vs. ONE: 6.08 )
ONE' s 10-Year ROA (%) Range
Min: 6.08   Max: 46.67
Current: 6.08

6.08
46.67
ROC (Joel Greenblatt) (%) 51.82
ONE's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 960 Companies
in the Global Business Services industry.

( Industry Median: 33.29 vs. ONE: 51.82 )
ONE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 51.82   Max: 537.34
Current: 51.82

51.82
537.34
Revenue Growth (%) 19.90
ONE's Revenue Growth (%) is ranked higher than
91% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 6.20 vs. ONE: 19.90 )
ONE' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 33.7
Current: 19.9

0
33.7
EPS Growth (%) -13.00
ONE's EPS Growth (%) is ranked higher than
54% of the 579 Companies
in the Global Business Services industry.

( Industry Median: 7.80 vs. ONE: -13.00 )
ONE' s 10-Year EPS Growth (%) Range
Min: 0   Max: 34
Current: -13

0
34
» ONE's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

ONE Guru Trades in Q1 2013

Jim Simons 219,331 sh (New)
Joel Greenblatt 242,514 sh (+60.14%)
Jeremy Grantham 44,700 sh (+7.71%)
Paul Tudor Jones Sold Out
Glenn Greenberg 6,396,672 sh (-7.18%)
Chuck Royce 114,000 sh (-20.83%)
» More
Q2 2013

ONE Guru Trades in Q2 2013

Chuck Royce Sold Out
Jeremy Grantham Sold Out
Glenn Greenberg 6,319,325 sh (-1.21%)
Joel Greenblatt 216,798 sh (-10.6%)
Jim Simons 68,431 sh (-68.8%)
» More
Q3 2013

ONE Guru Trades in Q3 2013

Jeremy Grantham 13,300 sh (New)
Paul Tudor Jones 13,400 sh (New)
Joel Greenblatt 268,251 sh (+23.73%)
Glenn Greenberg 4,636,534 sh (-26.63%)
Jim Simons 17,031 sh (-75.11%)
» More
Q4 2013

ONE Guru Trades in Q4 2013

Steven Cohen 11,236 sh (New)
Jim Simons 25,995 sh (+52.63%)
Jeremy Grantham 17,500 sh (+31.58%)
Joel Greenblatt 224,336 sh (-16.37%)
Paul Tudor Jones 11,150 sh (-16.79%)
Glenn Greenberg 2,294,480 sh (-50.51%)
» More
» Details

Insider Trades

Latest Guru Trades with ONE

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Glenn Greenberg 2013-12-31 Reduce -50.51%0.81%$7.46 - $10.46 $ 5.92-35%2294480
Glenn Greenberg 2013-09-30 Reduce -26.63%0.91%$6.99 - $11.1 $ 5.92-35%4636534
Joel Greenblatt 2013-09-30 Add 23.73%0.01%$6.99 - $11.1 $ 5.92-35%268251
Joel Greenblatt 2013-03-31 Add 60.14%0.04%$8.87 - $12.11 $ 5.92-42%242514
Glenn Greenberg 2012-12-31 Reduce -22%1.63%$8.81 - $13.34 $ 5.92-45%6891569
Joel Greenblatt 2012-12-31 New Buy0.09%$8.81 - $13.34 $ 5.92-45%151435
Glenn Greenberg 2012-09-30 Add 14.75%0.95%$10.9 - $13.58 $ 5.92-51%8834913
Chuck Akre 2012-09-30 Sold Out 0.09%$10.9 - $13.58 $ 5.92-51%0
Glenn Greenberg 2012-06-30 Add 17.73%1.01%$10.43 - $16.44 $ 5.92-57%7699025
Chuck Akre 2012-06-30 New Buy0.09%$10.43 - $16.44 $ 5.92-57%90690
Glenn Greenberg 2012-03-31 New Buy7.2%$14.62 - $18.03 $ 5.92-62%6539352
PRIMECAP Management 2012-03-31 Sold Out 0.0015%$14.62 - $18.03 $ 5.92-62%0
PRIMECAP Management 2011-12-31 Add 23.61%$16.25 - $20.01 $ 5.92-66%52350
PRIMECAP Management 2011-09-30 New Buy$14.28 - $21.08 $ 5.92-66%42350
George Soros 2011-06-30 Sold Out $13.71 - $18.48 $ 5.92-62%0
George Soros 2011-03-31 New Buy$14.48 - $20.6 $ 5.92-68%10500
Premium More recent guru trades are included for Premium Members only!!
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Top Ranked Articles about Higher One Holdings, Inc.

Five Gurus Trade ONE - Ranked on Fast 500
Reporting third quarter revenue at $57.1 million, an 11.5% increase year-over-year, Higher One Holdings Inc. (ONE) provides financial services and data analytics to more than 1,600 college and university campuses in the U.S. Achieving more than 340% revenue growth over five years, the company recently received recognition, ranking 259th on Deloitte’s Technology Fast 500, a list of the 500 fastest growing technology, media, telecommunications, life sciences and clean technology companies in North America. The Fast 500 winners were chosen based on percentage fiscal year revenue growth from 2008 to 2012. Read more...
Five Gurus Slice Five Companies
In reviewing third quarter selling action so far, it looks like a few of the buy-and-hold types are trading light on the sell side. Here’s a snapshot in time of five billionaire investors slicing five companies: Read more...
Business Services – 16 Companies on 52-Week Low: Billionaire Stakeholder Review
The GuruFocus special feature 52-week low screener reveals that the business services sector currently shows 16 companies out of 176 on a 52-week low. The low ratio is 0.09. Stocks on a 52-week low can signal different kinds of challenges and conditions. For those investing for the long term, it may be assuring to know that Guru Chuck Royce holds more than 8 million shares of Ritchie Bros. Auctioneers Inc. (RBA) or that Guru Glenn Greenberg holds 13.45% of shares outstanding of Higher One Holdings Inc. (ONE). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 15.70
ONE's P/E(ttm) is ranked higher than
61% of the 770 Companies
in the Global Business Services industry.

( Industry Median: 20.70 vs. ONE: 15.70 )
ONE' s 10-Year P/E(ttm) Range
Min: 11.82   Max: 50.78
Current: 15.7

11.82
50.78
P/B 4.29
ONE's P/B is ranked lower than
56% of the 902 Companies
in the Global Business Services industry.

( Industry Median: 2.50 vs. ONE: 4.29 )
ONE' s 10-Year P/B Range
Min: 3.96   Max: 14.85
Current: 4.29

3.96
14.85
P/S 1.42
ONE's P/S is ranked higher than
54% of the 948 Companies
in the Global Business Services industry.

( Industry Median: 1.33 vs. ONE: 1.42 )
ONE' s 10-Year P/S Range
Min: 1.39   Max: 8.23
Current: 1.42

1.39
8.23
PFCF 6.73
ONE's PFCF is ranked higher than
91% of the 612 Companies
in the Global Business Services industry.

( Industry Median: 17.80 vs. ONE: 6.73 )
ONE' s 10-Year PFCF Range
Min: 6.59   Max: 368.8
Current: 6.73

6.59
368.8
EV-to-EBIT 10.83
ONE's EV-to-EBIT is ranked higher than
63% of the 848 Companies
in the Global Business Services industry.

( Industry Median: 15.49 vs. ONE: 10.83 )
ONE' s 10-Year EV-to-EBIT Range
Min: 8.7   Max: 31.3
Current: 10.83

8.7
31.3
PEG 0.95
ONE's PEG is ranked higher than
72% of the 458 Companies
in the Global Business Services industry.

( Industry Median: 2.17 vs. ONE: 0.95 )
ONE' s 10-Year PEG Range
Min: 0   Max: 1.9
Current: 0.95

0
1.9

Valuation & Return

vs
industry
vs
history
Price/Median PS Value 0.30
ONE's Price/Median PS Value is ranked higher than
98% of the 891 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. ONE: 0.30 )
ONE' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 1.68
Current: 0.3

0.39
1.68
Earnings Yield (Greenblatt) 9.20
ONE's Earnings Yield (Greenblatt) is ranked higher than
65% of the 851 Companies
in the Global Business Services industry.

( Industry Median: 6.60 vs. ONE: 9.20 )
ONE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.2   Max: 11.4
Current: 9.2

3.2
11.4

Business Description

Industry: Business Services » Business Services
Compare: » details
Traded in other countries:7H1.Germany
Higher One Holdings, Inc. provides technology-based refund disbursement, payment processing and data analytics services to higher education institutions and students. It also provides banking services to campus communities. It works closely with colleges and universities to ensure students receive financial aid refunds quickly, can pay tuition and bills online, make on-campus and community purchases, and learn the basics of financial management. The Company provides products and services to two distinct markets - higher education institutions and their students. Its products and services for higher education institution clients include OneDisburse Refund Management disbursement service and suite of payment transaction products and services. The disbursement service facilitates financial aid and other refunds to students, while simultaneously enhancing the ability of higher education institution clients to comply with the federal regulations applicable to financial aid transactions. It also offers payment transaction services through CASHNet suite of payment products, which are primarily software-as-a-service solutions that facilitate electronic payment transaction. Through current Bank Partners, it offers OneAccount service to the students of higher education institution clients, which includes an FDIC-insured deposit account, a debit MasterCard ATM card and other retail banking services. As of December 31, 2012, more than 600 campuses serving more than 4.6 million students had purchased the OneDisburse service and campuses serving more than 10.9 million students had contracted to use at least one of OneDisburse, CASHNet or Campus Labs products and services. It also had approximately 2.0 million OneAccounts as of December 31, 2012.

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