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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 : 5/10

vs
industry
vs
history
Cash to Debt No Debt
PYDS's Cash to Debt is ranked higher than
93% of the 976 Companies
in the Global Business Services industry.

( Industry Median: 1.09 vs. PYDS: No Debt )
PYDS' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: No Debt

Equity to Asset 0.04
PYDS's Equity to Asset is ranked lower than
64% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.46 vs. PYDS: 0.04 )
PYDS' s 10-Year Equity to Asset Range
Min: -3.58   Max: 0.89
Current: 0.04

-3.58
0.89
Interest Coverage No Debt
PYDS's Interest Coverage is ranked higher than
97% of the 663 Companies
in the Global Business Services industry.

( Industry Median: 24.18 vs. PYDS: No Debt )
PYDS' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 7
Z-Score: -0.64
M-Score: -3.58
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 (%) 11.56
PYDS's Operating margin (%) is ranked higher than
79% of the 968 Companies
in the Global Business Services industry.

( Industry Median: 6.23 vs. PYDS: 11.56 )
PYDS' s 10-Year Operating margin (%) Range
Min: -9716.36   Max: 18.94
Current: 11.56

-9716.36
18.94
Net-margin (%) 11.71
PYDS's Net-margin (%) is ranked higher than
86% of the 968 Companies
in the Global Business Services industry.

( Industry Median: 4.08 vs. PYDS: 11.71 )
PYDS' s 10-Year Net-margin (%) Range
Min: -23650   Max: 407.56
Current: 11.71

-23650
407.56
ROE (%) 122.36
PYDS's ROE (%) is ranked higher than
99% of the 927 Companies
in the Global Business Services industry.

( Industry Median: 8.95 vs. PYDS: 122.36 )
PYDS' s 10-Year ROE (%) Range
Min: -232.99   Max: 147.59
Current: 122.36

-232.99
147.59
ROA (%) 3.20
PYDS's ROA (%) is ranked higher than
65% of the 980 Companies
in the Global Business Services industry.

( Industry Median: 3.94 vs. PYDS: 3.20 )
PYDS' s 10-Year ROA (%) Range
Min: -353.96   Max: 25.33
Current: 3.2

-353.96
25.33
ROC (Joel Greenblatt) (%) 1048.17
PYDS's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 971 Companies
in the Global Business Services industry.

( Industry Median: 28.41 vs. PYDS: 1048.17 )
PYDS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4206.9   Max: 10657.14
Current: 1048.17

-4206.9
10657.14
Revenue Growth (%) 26.00
PYDS's Revenue Growth (%) is ranked higher than
94% of the 821 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. PYDS: 26.00 )
PYDS' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 81.7
Current: 26

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) 18.00
PYDS's P/E(ttm) is ranked higher than
82% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 33.80 vs. PYDS: 18.00 )
PYDS' s 10-Year P/E(ttm) Range
Min: 12   Max: 60
Current: 18

12
60
P/B 9.00
PYDS's P/B is ranked higher than
50% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 3.41 vs. PYDS: 9.00 )
PYDS' s 10-Year P/B Range
Min: 6   Max: 18
Current: 9

6
18
P/S 1.99
PYDS's P/S is ranked higher than
63% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 1.75 vs. PYDS: 1.99 )
PYDS' s 10-Year P/S Range
Min: 0.38   Max: 33
Current: 1.99

0.38
33
EV-to-EBIT -26.75
PYDS's EV-to-EBIT is ranked lower than
54% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 19.99 vs. PYDS: -26.75 )
PYDS' s 10-Year EV-to-EBIT Range
Min: -113.3   Max: 122.4
Current: -26.75

-113.3
122.4
Shiller P/E 19.15
PYDS's Shiller P/E is ranked higher than
89% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PYDS: 19.15 )
PYDS' s 10-Year Shiller P/E Range
Min: 12   Max: 18.1
Current: 19.15

12
18.1
Current Ratio 1.03
PYDS's Current Ratio is ranked lower than
52% of the 965 Companies
in the Global Business Services industry.

( Industry Median: 1.43 vs. PYDS: 1.03 )
PYDS' s 10-Year Current Ratio Range
Min: 0.13   Max: 8.04
Current: 1.03

0.13
8.04
Quick Ratio 1.03
PYDS's Quick Ratio is ranked higher than
53% of the 965 Companies
in the Global Business Services industry.

( Industry Median: 1.31 vs. PYDS: 1.03 )
PYDS' s 10-Year Quick Ratio Range
Min: 0.13   Max: 8.04
Current: 1.03

0.13
8.04

Valuation & Return

vs
industry
vs
history
Price/Net Cash 18.00
PYDS's Price/Net Cash is ranked higher than
92% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PYDS: 18.00 )
PYDS' s 10-Year Price/Net Cash Range
Min: 3.9   Max: 40.23
Current: 18

3.9
40.23
Price/Net Current Asset Value 18.00
PYDS's Price/Net Current Asset Value is ranked higher than
88% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PYDS: 18.00 )
PYDS' s 10-Year Price/Net Current Asset Value Range
Min: 3.57   Max: 62.5
Current: 18

3.57
62.5
Price/Tangible Book 9.00
PYDS's Price/Tangible Book is ranked higher than
67% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 16.08 vs. PYDS: 9.00 )
PYDS' s 10-Year Price/Tangible Book Range
Min: 1.61   Max: 26.98
Current: 9

1.61
26.98
Price/DCF (Projected) 0.39
PYDS's Price/DCF (Projected) is ranked higher than
97% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 5.45 vs. PYDS: 0.39 )
PYDS' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 8
Current: 0.39

0.21
8
Price/Median PS Value 1.29
PYDS's Price/Median PS Value is ranked higher than
64% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 1.21 vs. PYDS: 1.29 )
PYDS' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 387.5
Current: 1.29

0.33
387.5
Price/Graham Number 3.00
PYDS's Price/Graham Number is ranked higher than
75% of the 1121 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PYDS: 3.00 )
PYDS' s 10-Year Price/Graham Number Range
Min: 1.29   Max: 5.33
Current: 3

1.29
5.33
Earnings Yield (Greenblatt) -3.70
PYDS's Earnings Yield (Greenblatt) is ranked lower than
58% of the 960 Companies
in the Global Business Services industry.

( Industry Median: 5.80 vs. PYDS: -3.70 )
PYDS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 78
Current: -3.7

0.8
78
Forward Rate of Return (Yacktman) -49.07
PYDS's Forward Rate of Return (Yacktman) is ranked lower than
60% of the 739 Companies
in the Global Business Services industry.

( Industry Median: 6.67 vs. PYDS: -49.07 )
PYDS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -418.8   Max: 6.7
Current: -49.07

-418.8
6.7

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 provid
» 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 

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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
PAYMENT DATA SYSTEMS INC Files SEC form 10-K, Annual Report Mar 31 2014
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