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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

» ORCC's 10-Y Financials


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

» Details

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Business Description

Industry: Application Software » Software - Infrastructure
Compare:MSFT, ORCL, VMW, CTXS, CA » details
Online Resources Corporation a Delaware corporation, and were incorporated in 1989. The Company develops and supplies its proprietary Digital Payment Framework to power ePayments choices between millions of consumers and financial institutions, creditors and billers. It service two main business lines: bill payment and transaction processing, and online banking and account presentation. The Company's digital bill payment services directly link financial interactions between banks and billers, web- and phone-based financial technology services enable clients to fulfill payment, banking and other financial services to their millions of end users. The Online Resources Digital Payment Framework is built upon a foundation of security and innovation, and features a wide range of configurable services enabling its clients to take advantage of industry-leading agility, flexibility and breadth of solution. Online Resources provides outsourced, web- and phone-based financial technology services to financial institution, biller, card issuer and creditor clients to fulfill payment, banking and other financial services to their millions of consumer end users. Its products and services enable its clients to provide their consumer end users with the ability to perform various self-service functions including electronic bill payments and funds transfers, which utilize its unique, real-time debit architecture, Automated Clearing House ("ACH") and other payment methods, as well as gain online access to their accounts, transaction histories and other information. Online Resources delivers products and services to two main audiences in the banking and biller markets: For banks, credit unions, and other depository financial institutions, the Company provides digital bill payment and online banking services. Its bill payment services provide clients a cost-effective solution to process transactions for their consumer end users. Its online banking solutions include an integrated suite of web-based account presentation and payment services, as well as supporting call center, consumer marketing, and professional services. These solutions give clients an enhanced experience for their users, the marketing processes to drive Internet channel adoption, and innovative products and services that help them maintain their competitive position. The bill payment services offered to its banking clients use itsr proprietary payments gateway, which leverages real-time electronic funds transfer, also known as EFT, infrastructure and technology. By debiting end users' accounts in real-time, it is able to improve the speed, cost and certainty of payments, while eliminating the risk that bills will be paid against insufficient funds. For billers, card issuers, and credit providers, it provides web- and phone-based payment, account presentation, and web collections services, along with supporting professional services. Its Digital Payment Framework enables a full suite of
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comment on ORCC Mar 23 2013 
Online Resources Corp. (ORCC) Chairman & CEO Matthew P Lawlor sells 10,000 Shares Dec 04 2009 
Online Resources Posts Second Quarter 2009 Results Aug 06 2009 

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