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Business Description

Industry: Business Services » Business Services    NAICS: 522320    SIC: 6099
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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 2.17
PYDS's PB Ratio is ranked higher than
53% of the 767 Companies
in the Global Business Services industry.

( Industry Median: 2.53 vs. PYDS: 2.17 )
Ranked among companies with meaningful PB Ratio only.
PYDS' s PB Ratio Range Over the Past 10 Years
Min: 1.57  Med: 10.37 Max: 286.67
Current: 2.17
1.57
286.67
PS Ratio 1.12
PYDS's PS Ratio is ranked higher than
54% of the 761 Companies
in the Global Business Services industry.

( Industry Median: 1.34 vs. PYDS: 1.12 )
Ranked among companies with meaningful PS Ratio only.
PYDS' s PS Ratio Range Over the Past 10 Years
Min: 0.49  Med: 1.6 Max: 4.09
Current: 1.12
0.49
4.09
Price-to-Free-Cash-Flow 20.37
PYDS's Price-to-Free-Cash-Flow is ranked lower than
51% of the 390 Companies
in the Global Business Services industry.

( Industry Median: 20.48 vs. PYDS: 20.37 )
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: 10.59 Max: 75
Current: 20.37
0.18
75
Price-to-Operating-Cash-Flow 15.61
PYDS's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 466 Companies
in the Global Business Services industry.

( Industry Median: 13.97 vs. PYDS: 15.61 )
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: 9.74 Max: 750
Current: 15.61
0.17
750
EV-to-EBIT -16.85
PYDS's EV-to-EBIT is ranked lower than
99.99% of the 611 Companies
in the Global Business Services industry.

( Industry Median: 16.12 vs. PYDS: -16.85 )
Ranked among companies with meaningful EV-to-EBIT only.
PYDS' s EV-to-EBIT Range Over the Past 10 Years
Min: -113.4  Med: -3.65 Max: 121.4
Current: -16.85
-113.4
121.4
EV-to-EBITDA -395.58
PYDS's EV-to-EBITDA is ranked lower than
99.99% of the 651 Companies
in the Global Business Services industry.

( Industry Median: 11.86 vs. PYDS: -395.58 )
Ranked among companies with meaningful EV-to-EBITDA only.
PYDS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -395.1  Med: -3.75 Max: 134.8
Current: -395.58
-395.1
134.8
Shiller PE Ratio 209.23
PYDS's Shiller PE Ratio is ranked lower than
97% of the 157 Companies
in the Global Business Services industry.

( Industry Median: 28.94 vs. PYDS: 209.23 )
Ranked among companies with meaningful Shiller PE Ratio only.
PYDS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 152  Med: 179.5 Max: 257
Current: 209.23
152
257
Current Ratio 1.07
PYDS's Current Ratio is ranked lower than
79% of the 709 Companies
in the Global Business Services industry.

( Industry Median: 1.63 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
72% of the 709 Companies
in the Global Business Services industry.

( Industry Median: 1.47 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
81% of the 564 Companies
in the Global Business Services industry.

( Industry Median: 58.79 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
87% of the 462 Companies
in the Global Business Services industry.

( Industry Median: 36.89 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
75% of the 427 Companies
in the Global Business Services industry.

( Industry Median: -1.40 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 4.52
PYDS's Price-to-Net-Current-Asset-Value is ranked higher than
60% of the 380 Companies
in the Global Business Services industry.

( Industry Median: 6.16 vs. PYDS: 4.52 )
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: 4.52
3.11
60
Price-to-Tangible-Book 2.22
PYDS's Price-to-Tangible-Book is ranked higher than
59% of the 603 Companies
in the Global Business Services industry.

( Industry Median: 2.64 vs. PYDS: 2.22 )
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: 2.22
1.6
150
Price-to-Intrinsic-Value-Projected-FCF 0.16
PYDS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
99% of the 360 Companies
in the Global Business Services industry.

( Industry Median: 1.47 vs. PYDS: 0.16 )
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: 0.16
0.09
24
Price-to-Median-PS-Value 0.70
PYDS's Price-to-Median-PS-Value is ranked higher than
84% of the 644 Companies
in the Global Business Services industry.

( Industry Median: 1.13 vs. PYDS: 0.70 )
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: 1.29 Max: 447.12
Current: 0.7
0.38
447.12
Earnings Yield (Greenblatt) % -5.90
PYDS's Earnings Yield (Greenblatt) % is ranked lower than
87% of the 791 Companies
in the Global Business Services industry.

( Industry Median: 5.00 vs. PYDS: -5.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PYDS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.8  Med: 6.65 Max: 2039
Current: -5.9
0.8
2039

More Statistics

Revenue (TTM) (Mil) $12.85
EPS (TTM) $ -0.11
Beta1.56
Short Percentage of Float0.77%
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 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 Announces New Corporate Partner Dec 20 2016
Payment Data Systems (PYDS) a Small Cap FinTech Growth Opportunity Dec 19 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

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