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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 : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
PYDS's Cash-to-Debt is ranked higher than
98% of the 636 Companies
in the Global Business Services industry.

( Industry Median: 1.23 vs. PYDS: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
PYDS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.14
PYDS's Equity-to-Asset is ranked lower than
92% of the 616 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. PYDS: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
PYDS' s Equity-to-Asset Range Over the Past 10 Years
Min: -3.58  Med: 0.02 Max: 0.89
Current: 0.14
-3.58
0.89
Interest Coverage No Debt
PYDS's Interest Coverage is ranked higher than
98% of the 699 Companies
in the Global Business Services industry.

( Industry Median: 22.55 vs. PYDS: No Debt )
Ranked among companies with meaningful Interest Coverage only.
PYDS' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
Piotroski F-Score: 4
Altman Z-Score: -0.63
Beneish M-Score: -2.62
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 : 5/10

vs
industry
vs
history
Operating Margin % -7.31
PYDS's Operating Margin % is ranked lower than
86% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 5.93 vs. PYDS: -7.31 )
Ranked among companies with meaningful Operating Margin % only.
PYDS' s Operating Margin % Range Over the Past 10 Years
Min: -56.31  Med: -18.94 Max: 18.94
Current: -7.31
-56.31
18.94
Net Margin % -6.13
PYDS's Net Margin % is ranked lower than
84% of the 625 Companies
in the Global Business Services industry.

( Industry Median: 3.74 vs. PYDS: -6.13 )
Ranked among companies with meaningful Net Margin % only.
PYDS' s Net Margin % Range Over the Past 10 Years
Min: -56.7  Med: -16.48 Max: 28.65
Current: -6.13
-56.7
28.65
ROE % -8.58
PYDS's ROE % is ranked lower than
83% of the 601 Companies
in the Global Business Services industry.

( Industry Median: 7.88 vs. PYDS: -8.58 )
Ranked among companies with meaningful ROE % only.
PYDS' s ROE % Range Over the Past 10 Years
Min: -56.82  Med: 92.76 Max: 147.59
Current: -8.58
-56.82
147.59
ROA % -1.30
PYDS's ROA % is ranked lower than
75% of the 641 Companies
in the Global Business Services industry.

( Industry Median: 3.11 vs. PYDS: -1.30 )
Ranked among companies with meaningful ROA % only.
PYDS' s ROA % Range Over the Past 10 Years
Min: -353.96  Med: -17.16 Max: 25.33
Current: -1.3
-353.96
25.33
ROC (Joel Greenblatt) % -31.31
PYDS's ROC (Joel Greenblatt) % is ranked lower than
85% of the 626 Companies
in the Global Business Services industry.

( Industry Median: 21.34 vs. PYDS: -31.31 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
PYDS' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -4206.9  Med: -761 Max: 10657.14
Current: -31.31
-4206.9
10657.14
3-Year Revenue Growth Rate 14.20
PYDS's 3-Year Revenue Growth Rate is ranked higher than
82% of the 553 Companies
in the Global Business Services industry.

( Industry Median: 4.20 vs. PYDS: 14.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PYDS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -48.5  Med: 18.6 Max: 121.2
Current: 14.2
-48.5
121.2
3-Year EBITDA Growth Rate -7.80
PYDS's 3-Year EBITDA Growth Rate is ranked lower than
74% of the 476 Companies
in the Global Business Services industry.

( Industry Median: 5.60 vs. PYDS: -7.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PYDS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -61.5  Med: -28.75 Max: 80.5
Current: -7.8
-61.5
80.5
3-Year EPS without NRI Growth Rate -18.90
PYDS's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 427 Companies
in the Global Business Services industry.

( Industry Median: 7.10 vs. PYDS: -18.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PYDS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -37 Max: -18.9
Current: -18.9
GuruFocus has detected 2 Warning Signs with Payment Data Systems Inc $PYDS.
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» PYDS's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Business Services » Business Services    NAICS: 522320    SIC: 6099
Compare:OTCPK:BDMS » details
Payment Data Systems Inc operates as a processor of electronic payments for other companies. It provides integrated electronic payment processing services to merchants and businesses.

Payment Data Systems Inc was founded in July 1998 and incorporated in the State of Nevada. The Company's main operations consist of functioning as a processor of electronic payments for other companies. It provides integrated electronic payment processing services to merchants and businesses, including all types of Automated Clearinghouse processing and credit and debit card-based processing services. It provides integrated electronic payment services, including credit and debit card-based processing services and transaction processing via the automated clearinghouse 'ACH' network to billers and retailers. In addition, the Company operates an Internet electronic payment processing service for consumers under the domain name www.billx.com. The Automated Clearinghouse Network is a nationwide electronic funds transfer system that is regulated by the Federal Reserve and provides for the clearing of electronic payments between participating financial institutions. Its Automated Clearinghouse processing services enable merchants or businesses to both disburse and collect funds electronically using e-checks to transfer funds instead of traditional paper checks. The Company's card-based processing services enable merchants to process both traditional card-present, or 'swipe,' transactions, as well as card-not-present transactions. A traditional card-present transaction occurs whenever a cardholder physically presents a credit or debit card to a merchant at the point-of-sale. Its electronic payment processing might take place in different forms and situations. The Company also operates an online payment processing service for consumers under the domain name www.billx.com through which consumers could pay anyone. Payment Data operates solely in the United States as a single operating segment. The Company's service offerings are supported by its systems infrastructure that integrates certain proprietary components with processing systems outsourced to third-party providers to offer its customers a flexible and secure payment process. Its service offerings are supported by its systems infrastructure that integrates certain proprietary components with processing systems outsourced to third-party providers to offer its customers a flexible and secure payment process. Its main market focus is on companies generating volumes of electronic payment transactions. The Company's customers are consumers geographically dispersed throughout the United States utilizing its billx.com Internet bill payment service on a recurring monthly basis to pay household bills. The payment processing industry is very competitive. Many small and large companies compete with the Company in providing payment processing services and related services to a range of merchants. It competes with transaction processors, including First Data Merchant Services Corporation, National Processing Company, and Global Payments Inc. that serve from large to small merchants and provide b

Ratios

vs
industry
vs
history
PB Ratio 1.79
PYDS's PB Ratio is ranked higher than
61% of the 709 Companies
in the Global Business Services industry.

( Industry Median: 2.28 vs. PYDS: 1.79 )
Ranked among companies with meaningful PB Ratio only.
PYDS' s PB Ratio Range Over the Past 10 Years
Min: 1.57  Med: 10.19 Max: 286.67
Current: 1.79
1.57
286.67
PS Ratio 0.91
PYDS's PS Ratio is ranked higher than
61% of the 703 Companies
in the Global Business Services industry.

( Industry Median: 1.22 vs. PYDS: 0.91 )
Ranked among companies with meaningful PS Ratio only.
PYDS' s PS Ratio Range Over the Past 10 Years
Min: 0.49  Med: 1.57 Max: 4.09
Current: 0.91
0.49
4.09
Price-to-Free-Cash-Flow 16.70
PYDS's Price-to-Free-Cash-Flow is ranked higher than
63% of the 388 Companies
in the Global Business Services industry.

( Industry Median: 19.87 vs. PYDS: 16.70 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PYDS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.18  Med: 11.04 Max: 75
Current: 16.7
0.18
75
Price-to-Operating-Cash-Flow 12.81
PYDS's Price-to-Operating-Cash-Flow is ranked higher than
54% of the 456 Companies
in the Global Business Services industry.

( Industry Median: 13.23 vs. PYDS: 12.81 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PYDS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.17  Med: 10.14 Max: 750
Current: 12.81
0.17
750
EV-to-EBIT -12.99
PYDS's EV-to-EBIT is ranked lower than
99.99% of the 629 Companies
in the Global Business Services industry.

( Industry Median: 15.83 vs. PYDS: -12.99 )
Ranked among companies with meaningful EV-to-EBIT only.
PYDS' s EV-to-EBIT Range Over the Past 10 Years
Min: -113.4  Med: -3.6 Max: 121.4
Current: -12.99
-113.4
121.4
EV-to-EBITDA -304.63
PYDS's EV-to-EBITDA is ranked lower than
99.99% of the 674 Companies
in the Global Business Services industry.

( Industry Median: 11.69 vs. PYDS: -304.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
PYDS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -395.1  Med: -3.65 Max: 134.8
Current: -304.63
-395.1
134.8
Shiller PE Ratio 163.54
PYDS's Shiller PE Ratio is ranked lower than
97% of the 152 Companies
in the Global Business Services industry.

( Industry Median: 28.73 vs. PYDS: 163.54 )
Ranked among companies with meaningful Shiller PE Ratio only.
PYDS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 128  Med: 176 Max: 257
Current: 163.54
128
257
Current Ratio 1.07
PYDS's Current Ratio is ranked lower than
78% of the 595 Companies
in the Global Business Services industry.

( Industry Median: 1.54 vs. PYDS: 1.07 )
Ranked among companies with meaningful Current Ratio only.
PYDS' s Current Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.94 Max: 8.04
Current: 1.07
0.13
8.04
Quick Ratio 1.07
PYDS's Quick Ratio is ranked lower than
71% of the 595 Companies
in the Global Business Services industry.

( Industry Median: 1.39 vs. PYDS: 1.07 )
Ranked among companies with meaningful Quick Ratio only.
PYDS' s Quick Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.94 Max: 8.04
Current: 1.07
0.13
8.04
Days Sales Outstanding 28.44
PYDS's Days Sales Outstanding is ranked higher than
82% of the 469 Companies
in the Global Business Services industry.

( Industry Median: 59.81 vs. PYDS: 28.44 )
Ranked among companies with meaningful Days Sales Outstanding only.
PYDS' s Days Sales Outstanding Range Over the Past 10 Years
Min: 10.34  Med: 19.68 Max: 41.22
Current: 28.44
10.34
41.22
Days Payable 7.11
PYDS's Days Payable is ranked lower than
90% of the 391 Companies
in the Global Business Services industry.

( Industry Median: 39.77 vs. PYDS: 7.11 )
Ranked among companies with meaningful Days Payable only.
PYDS' s Days Payable Range Over the Past 10 Years
Min: 1.5  Med: 13.93 Max: 23.69
Current: 7.11
1.5
23.69

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -8.10
PYDS's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 394 Companies
in the Global Business Services industry.

( Industry Median: -1.50 vs. PYDS: -8.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PYDS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -48.4  Med: -13.6 Max: -0.3
Current: -8.1
-48.4
-0.3

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 3.70
PYDS's Price-to-Net-Current-Asset-Value is ranked higher than
69% of the 349 Companies
in the Global Business Services industry.

( Industry Median: 5.20 vs. PYDS: 3.70 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
PYDS' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 3.11  Med: 14.09 Max: 60
Current: 3.7
3.11
60
Price-to-Tangible-Book 1.83
PYDS's Price-to-Tangible-Book is ranked higher than
66% of the 564 Companies
in the Global Business Services industry.

( Industry Median: 2.87 vs. PYDS: 1.83 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PYDS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.6  Med: 8.12 Max: 150
Current: 1.83
1.6
150
Price-to-Intrinsic-Value-Projected-FCF 0.13
PYDS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
99% of the 426 Companies
in the Global Business Services industry.

( Industry Median: 1.47 vs. PYDS: 0.13 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PYDS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.55 Max: 24
Current: 0.13
0.09
24
Price-to-Median-PS-Value 0.59
PYDS's Price-to-Median-PS-Value is ranked higher than
90% of the 618 Companies
in the Global Business Services industry.

( Industry Median: 1.14 vs. PYDS: 0.59 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PYDS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.38  Med: 1.3 Max: 447.12
Current: 0.59
0.38
447.12
Earnings Yield (Greenblatt) % -7.71
PYDS's Earnings Yield (Greenblatt) % is ranked lower than
88% of the 801 Companies
in the Global Business Services industry.

( Industry Median: 5.22 vs. PYDS: -7.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PYDS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -9.14  Med: 6.65 Max: 2039
Current: -7.71
-9.14
2039

More Statistics

Revenue (TTM) (Mil) $12.85
EPS (TTM) $ -0.11
Beta1.56
Short Percentage of Float1.11%
52-Week Range $1.01 - 3.80
Shares Outstanding (Mil)12.04
» More Articles for PYDS

Headlines

Articles On GuruFocus.com
(PYDS) President & COO, 10% Owner Louis A Hoch sells 105,200 Shares Mar 01 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 28,000 Shares Feb 25 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 100,000 Shares Feb 15 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 2,000 Shares Feb 10 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 10,000 Shares Jan 26 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 104,460 Shares Jan 19 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 70,000 Shares Jan 11 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 11,000 Shares Jan 06 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 5,700 Shares Jan 05 2011 
Weekly CFO sells Highlight: PYDS, CNYC, QCOM, ONVC, ENTR Dec 25 2010 

More From Other Websites
Payment Data Systems to Report Fourth Quarter and Full Year 2016 Results Mar 29 2017
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Payment Data Systems Announces Intent to Acquire Singular Payments, LLC Mar 13 2017
Payment Data Systems Announces Transaction Processing Results for the Fourth Quarter and Year Ended... Feb 22 2017
Payment Data Systems Targeting Growth in 2017 Jan 30 2017
Payment Data Systems (PYDS) Targeting Growth in 2017 Jan 30 2017
ETFs with exposure to Payment Data Systems, Inc. : January 20, 2017 Jan 20 2017
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a Continued... Jan 13 2017
Payment Data Systems' CFO resigns, board member steps into role Jan 11 2017
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 06 2017
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers Dec 30 2016
Payment Data Systems Announces New Corporate Partner Dec 21 2016
Payment Data Systems (PYDS) a Small Cap FinTech Growth Opportunity Dec 19 2016
PAYMENT DATA SYSTEMS INC Financials Nov 26 2016
PAYMENT DATA SYSTEMS INC Files SEC form 10-Q, Quarterly Report Nov 21 2016
Payment Data Systems, Inc. :PYDS-US: Earnings Analysis: Q3, 2016 By the Numbers : November 21, 2016 Nov 21 2016
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Results of Operations and Financial Condition, Change... Nov 14 2016
Payment Data Systems to Report Third Quarter 2016 Financial Results on November 14 Nov 03 2016
Payment Data Systems Announces Share Repurchase Program Nov 03 2016
Payment Data Systems Announces Transaction Processing Volumes for the Third Quarter of 2016 Oct 31 2016
Payment Data Systems Opens Its Digital Card Platform to Businesses & Developers Oct 26 2016
Early Loss of 8.93% for Payment Data Systems Inc. (PYDS) on October 13 Drags on Services Sector Oct 17 2016
Early Loss of 5.34% for Payment Data Systems Inc. (PYDS) on October 11 Drags on Services Sector Oct 17 2016
Payment Data Systems, Inc.: Strong price momentum but will it sustain? Oct 03 2016
Here’s Why These Five Stocks Are Surging Oct 03 2016
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Sep 14 2016
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a Continued... Aug 19 2016
Payment Data Systems Announces Second Quarter 2016 Results Aug 16 2016
Payment Data Systems Names Louis Hoch President and CEO Aug 09 2016
Services Sector Feels 6.67% Slide in Shares of Payment Data Systems Inc. (PYDS) at Midday on August... Aug 02 2016
Payment Data Systems Announces Transaction Processing Volumes for the Second Quarter of 2016 - Aug 01 2016
Payment Data Systems to Report Second Quarter 2016 Financial Results on August 11 Jul 29 2016
Payment Data Systems Launches Apple iOS Payment Processing SDK Jul 28 2016
Payment Data Systems Expands ACH Network with New Banking Relationship - Jul 27 2016
Payment Data Systems Engages Preston Todd Advisors to Target Accretive Acquisitions Jun 23 2016
Payment Data Systems Announces First Quarter 2016 Results May 16 2016
Payment Data Systems Selected to Present at FinovateSpring 2016 in San Jose May 06 2016
Payment Data Systems to Report First Quarter 2016 Results May 02 2016
Payment Data Systems Announces Growth in Credit Card Transactions for the First Quarter of 2016 Apr 26 2016

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