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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
97% of the 735 Companies
in the Global Business Services industry.

( Industry Median: 1.50 vs. PYDS: No Debt )
PYDS' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: No Debt

Equity to Asset 0.11
PYDS's Equity to Asset is ranked lower than
92% of the 685 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. PYDS: 0.11 )
PYDS' s 10-Year Equity to Asset Range
Min: -3.58   Max: 0.89
Current: 0.11

-3.58
0.89
Interest Coverage No Debt
PYDS's Interest Coverage is ranked higher than
96% of the 492 Companies
in the Global Business Services industry.

( Industry Median: 40.47 vs. PYDS: No Debt )
PYDS' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 7
M-Score: 0.12
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 : 6/10

vs
industry
vs
history
Operating margin (%) 19.22
PYDS's Operating margin (%) is ranked higher than
84% of the 729 Companies
in the Global Business Services industry.

( Industry Median: 5.49 vs. PYDS: 19.22 )
PYDS' s 10-Year Operating margin (%) Range
Min: -9716.36   Max: 18.94
Current: 19.22

-9716.36
18.94
Net-margin (%) 30.45
PYDS's Net-margin (%) is ranked higher than
97% of the 730 Companies
in the Global Business Services industry.

( Industry Median: 3.65 vs. PYDS: 30.45 )
PYDS' s 10-Year Net-margin (%) Range
Min: -23650   Max: 407.56
Current: 30.45

-23650
407.56
ROE (%) 113.37
PYDS's ROE (%) is ranked higher than
99% of the 699 Companies
in the Global Business Services industry.

( Industry Median: 8.24 vs. PYDS: 113.37 )
PYDS' s 10-Year ROE (%) Range
Min: -232.99   Max: 147.59
Current: 113.37

-232.99
147.59
ROA (%) 7.01
PYDS's ROA (%) is ranked higher than
71% of the 742 Companies
in the Global Business Services industry.

( Industry Median: 3.55 vs. PYDS: 7.01 )
PYDS' s 10-Year ROA (%) Range
Min: -353.96   Max: 25.33
Current: 7.01

-353.96
25.33
ROC (Joel Greenblatt) (%) 231.10
PYDS's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 730 Companies
in the Global Business Services industry.

( Industry Median: 21.43 vs. PYDS: 231.10 )
PYDS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4206.9   Max: 10657.14
Current: 231.1

-4206.9
10657.14
Revenue Growth (3Y)(%) 35.70
PYDS's Revenue Growth (3Y)(%) is ranked higher than
94% of the 549 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. PYDS: 35.70 )
PYDS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 81.7
Current: 35.7

0
81.7
» PYDS's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 9.10
PYDS's P/E(ttm) is ranked higher than
88% of the 514 Companies
in the Global Business Services industry.

( Industry Median: 19.50 vs. PYDS: 9.10 )
Ranked among companies with meaningful P/E(ttm) only.
PYDS' s 10-Year P/E(ttm) Range
Min: 6.11   Max: 60
Current: 9.1

6.11
60
PE(NRI) 8.50
PYDS's PE(NRI) is ranked higher than
91% of the 516 Companies
in the Global Business Services industry.

( Industry Median: 21.30 vs. PYDS: 8.50 )
Ranked among companies with meaningful PE(NRI) only.
PYDS' s 10-Year PE(NRI) Range
Min: 5.32   Max: 60
Current: 8.5

5.32
60
P/B 8.30
PYDS's P/B is ranked lower than
108% of the 682 Companies
in the Global Business Services industry.

( Industry Median: 1.97 vs. PYDS: 8.30 )
Ranked among companies with meaningful P/B only.
PYDS' s 10-Year P/B Range
Min: 4.13   Max: 18
Current: 8.3

4.13
18
P/S 3.40
PYDS's P/S is ranked lower than
95% of the 711 Companies
in the Global Business Services industry.

( Industry Median: 1.00 vs. PYDS: 3.40 )
Ranked among companies with meaningful P/S only.
PYDS' s 10-Year P/S Range
Min: 0.21   Max: 33
Current: 3.4

0.21
33
PFCF 16.50
PYDS's PFCF is ranked lower than
54% of the 435 Companies
in the Global Business Services industry.

( Industry Median: 15.00 vs. PYDS: 16.50 )
Ranked among companies with meaningful PFCF only.
PYDS' s 10-Year PFCF Range
Min: 0.31   Max: 19.5
Current: 16.5

0.31
19.5
POCF 4.86
PYDS's POCF is ranked higher than
84% of the 527 Companies
in the Global Business Services industry.

( Industry Median: 12.10 vs. PYDS: 4.86 )
Ranked among companies with meaningful POCF only.
PYDS' s 10-Year POCF Range
Min: 0.03   Max: 18
Current: 4.86

0.03
18
Shiller P/E 13.30
PYDS's Shiller P/E is ranked higher than
75% of the 336 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. PYDS: 13.30 )
Ranked among companies with meaningful Shiller P/E only.
PYDS' s 10-Year Shiller P/E Range
Min: 6.4   Max: 19.5
Current: 13.3

6.4
19.5
Current Ratio 1.05
PYDS's Current Ratio is ranked lower than
77% of the 697 Companies
in the Global Business Services industry.

( Industry Median: 1.52 vs. PYDS: 1.05 )
Ranked among companies with meaningful Current Ratio only.
PYDS' s 10-Year Current Ratio Range
Min: 0.13   Max: 8.04
Current: 1.05

0.13
8.04
Quick Ratio 1.05
PYDS's Quick Ratio is ranked lower than
70% of the 697 Companies
in the Global Business Services industry.

( Industry Median: 1.39 vs. PYDS: 1.05 )
Ranked among companies with meaningful Quick Ratio only.
PYDS' s 10-Year Quick Ratio Range
Min: 0.13   Max: 8.04
Current: 1.05

0.13
8.04
Days Sales Outstanding 23.11
PYDS's Days Sales Outstanding is ranked higher than
85% of the 609 Companies
in the Global Business Services industry.

( Industry Median: 56.36 vs. PYDS: 23.11 )
Ranked among companies with meaningful Days Sales Outstanding only.
PYDS' s 10-Year Days Sales Outstanding Range
Min: 10.34   Max: 3633.41
Current: 23.11

10.34
3633.41

Valuation & Return

vs
industry
vs
history
Price/Net Cash 33.00
PYDS's Price/Net Cash is ranked lower than
90% of the 146 Companies
in the Global Business Services industry.

( Industry Median: 7.90 vs. PYDS: 33.00 )
Ranked among companies with meaningful Price/Net Cash only.
PYDS' s 10-Year Price/Net Cash Range
Min: 3.9   Max: 40.23
Current: 33

3.9
40.23
Price/Net Current Asset Value 33.00
PYDS's Price/Net Current Asset Value is ranked lower than
98% of the 207 Companies
in the Global Business Services industry.

( Industry Median: 7.20 vs. PYDS: 33.00 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
PYDS' s 10-Year Price/Net Current Asset Value Range
Min: 3.15   Max: 37.5
Current: 33

3.15
37.5
Price/Tangible Book 8.30
PYDS's Price/Tangible Book is ranked lower than
89% of the 546 Companies
in the Global Business Services industry.

( Industry Median: 2.60 vs. PYDS: 8.30 )
Ranked among companies with meaningful Price/Tangible Book only.
PYDS' s 10-Year Price/Tangible Book Range
Min: 1.61   Max: 26.98
Current: 8.3

1.61
26.98
Price/DCF (Projected) 0.80
PYDS's Price/DCF (Projected) is ranked higher than
70% of the 376 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. PYDS: 0.80 )
Ranked among companies with meaningful Price/DCF (Projected) only.
PYDS' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 8
Current: 0.8

0.04
8
Price/Median PS Value 2.40
PYDS's Price/Median PS Value is ranked lower than
106% of the 668 Companies
in the Global Business Services industry.

( Industry Median: 1.20 vs. PYDS: 2.40 )
Ranked among companies with meaningful Price/Median PS Value only.
PYDS' s 10-Year Price/Median PS Value Range
Min: 0.16   Max: 387.5
Current: 2.4

0.16
387.5
Price/Graham Number 2.20
PYDS's Price/Graham Number is ranked lower than
66% of the 416 Companies
in the Global Business Services industry.

( Industry Median: 1.50 vs. PYDS: 2.20 )
Ranked among companies with meaningful Price/Graham Number only.
PYDS' s 10-Year Price/Graham Number Range
Min: 1.29   Max: 5.33
Current: 2.2

1.29
5.33
Earnings Yield (Greenblatt) -71.10
PYDS's Earnings Yield (Greenblatt) is ranked lower than
105% of the 719 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. PYDS: -71.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
PYDS' s 10-Year Earnings Yield (Greenblatt) Range
Min: -71.1   Max: 2007.1
Current: -71.1

-71.1
2007.1

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
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
» 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 INC Financials May 22 2015
PAYMENT DATA SYSTEMS INC Files SEC form 10-Q, Quarterly Report May 15 2015
PYDS Reports Record Quarterly Earnings for the First Quarter of 2015 May 15 2015
Q1 2015 Payment Data Systems Inc Earnings Release - Tentative - Time Not Supplied May 15 2015
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers Apr 30 2015
Payment Data Systems Board Appoints Two New Outside Directors Apr 27 2015
Payment Data Systems Announces Transaction Growth for the First Quarter of 2015 Apr 14 2015
PAYMENT DATA SYSTEMS INC Files SEC form 10-K, Annual Report Mar 30 2015
Payment Data Systems Reports 2014 Fiscal Year Results Mar 30 2015
PAYMENT DATA SYSTEMS INC Files SEC form 8-K/A, Financial Statements and Exhibits Mar 09 2015
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 06 2015
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Unregistered Sale of Equity Securities, Change in... Dec 24 2014
PAYMENT DATA SYSTEMS INC Files SEC form 10-Q, Quarterly Report Nov 14 2014
Kmart becomes latest retailer hit by data theft Oct 10 2014
Home Depot confirms breach of credit card system Sep 08 2014
PAYMENT DATA SYSTEMS INC Files SEC form 10-Q, Quarterly Report Aug 14 2014
Payment Data Systems: Triple Digit Growth With Multi-Bagger Potential Jun 13 2014
PAYMENT DATA SYSTEMS INC Files SEC form 10-Q, Quarterly Report May 15 2014

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