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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

» OPAY's 10-Y Financials


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

» Details

Guru Trades

Q1 2013

OPAY Guru Trades in Q1 2013

Jim Simons 124,500 sh (+7.89%)
Mario Gabelli 27,540 sh (+3.77%)
Chuck Royce 333,414 sh (unchged)
» More
Q2 2013

OPAY Guru Trades in Q2 2013

Mario Gabelli 32,040 sh (+16.34%)
Jim Simons 134,100 sh (+7.71%)
Chuck Royce 273,414 sh (-18%)
» More
Q3 2013

OPAY Guru Trades in Q3 2013

Jim Simons 186,000 sh (+38.7%)
Mario Gabelli 32,040 sh (unchged)
Chuck Royce 113,414 sh (-58.52%)
» More
Q4 2013

OPAY Guru Trades in Q4 2013

Chuck Royce Sold Out
Mario Gabelli Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with OPAY

(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
Mario Gabelli 2013-12-31 Sold Out $8.32 - $8.36 $ 8.340%0
Mario Gabelli 2012-12-31 Add 43.15%$4.91 - $5.7 $ 8.3462%26540
Mario Gabelli 2012-03-31 New Buy$3.99 - $5.36 $ 8.3487%23340
Premium More recent guru trades are included for Premium Members only!!
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Valuation & Return


Business Description

Industry: Application Software » Information Technology Services
Compare:ACN, INFY, CTSH, IT, CIOXY » details
Official Payments Holdings Inc was formerly known Tier Technologies, Inc. was incorporated in 1991 in California it reincorporated in Delaware effective July 15, 2005. The Company is a provider of biller direct electronic payment solutions, through its main brand Official Payments. These solutions provide payment services via multiple channels including the Internet, automated Interactive Voice Response, or IVR, call center and point-of-sale, or POS, environments. It offers its clients a front-end platform designed expressly for the biller direct market with a single source solution that simplifies the management of electronic payments. The Company's solutions include multiple enhanced payment services, including convenience fee payments, absorbed payments, payment reminder and automated payment scheduling. It also offers its clients a range of payment choices, including credit and debit cards, electronic checks, cash and money orders, and emerging payment methods to meet the needs of their customers. By utilizing its solutions, clients can reduce, if not eliminate, their management and expense of payment technology, PCI data security requirements, and compliance with other payment industry standards while offering their customers secure and convenient means to pay their bills. It provides businesses and individuals the opportunity to pay certain federal income and business tax obligations electronically via credit or debit cards. Payment options include all major credit cards: American Express, Discover, MasterCard, Visa and all major debit cards including some regional ATM card networks. It offers a variety of electronic payment solutions to state and local governments for electronic payments for personal income taxes and business taxes. It offers a variety of electronic payment solutions to state and local governments for the collection of real property taxes. Electronic payment options include Internet, IVR, agent, POS, and wedge readers using all major credit cards, debit cards and e-check. The biller direct payments category is highly competitive and served by an array of organizations involved in transaction payment markets including Link2Gov, a subsidiary of FIS; RBS WorldPay; SallieMae Business Office Solutions; TouchNet Information Systems, Inc; CheckFree and Bill Matrix, subsidiaries of Fiserv; Oracle, and Online Resources. The Company is subject to compliance with federal and state laws and licensing regulations as a money services business and as a money transmitter including anti-money laundering laws and the USA Patriot Act.
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