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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
98% of the 742 Companies
in the Global Business Services industry.

( Industry Median: 1.74 vs. PYDS: No Debt )
Ranked among companies with meaningful Cash to Debt only.
PYDS' s 10-Year Cash to Debt Range
Min: 0.06  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.11
PYDS's Equity to Asset is ranked lower than
91% of the 691 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. PYDS: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
PYDS' s 10-Year Equity to Asset Range
Min: -3.58  Med: -0.07 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 495 Companies
in the Global Business Services industry.

( Industry Median: 42.21 vs. PYDS: No Debt )
Ranked among companies with meaningful Interest Coverage only.
PYDS' s 10-Year Interest Coverage Range
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 6
Z-Score: -0.29
M-Score: -0.03
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 (%) 16.49
PYDS's Operating margin (%) is ranked higher than
79% of the 737 Companies
in the Global Business Services industry.

( Industry Median: 5.30 vs. PYDS: 16.49 )
Ranked among companies with meaningful Operating margin (%) only.
PYDS' s 10-Year Operating margin (%) Range
Min: -9716.36  Med: -53.63 Max: 18.94
Current: 16.49
-9716.36
18.94
Net-margin (%) 27.01
PYDS's Net-margin (%) is ranked higher than
95% of the 739 Companies
in the Global Business Services industry.

( Industry Median: 3.77 vs. PYDS: 27.01 )
Ranked among companies with meaningful Net-margin (%) only.
PYDS' s 10-Year Net-margin (%) Range
Min: -23650  Med: -43.41 Max: 407.56
Current: 27.01
-23650
407.56
ROE (%) 73.89
PYDS's ROE (%) is ranked higher than
97% of the 705 Companies
in the Global Business Services industry.

( Industry Median: 8.38 vs. PYDS: 73.89 )
Ranked among companies with meaningful ROE (%) only.
PYDS' s 10-Year ROE (%) Range
Min: -232.99  Med: -56.82 Max: 147.59
Current: 73.89
-232.99
147.59
ROA (%) 5.98
PYDS's ROA (%) is ranked higher than
65% of the 751 Companies
in the Global Business Services industry.

( Industry Median: 3.56 vs. PYDS: 5.98 )
Ranked among companies with meaningful ROA (%) only.
PYDS' s 10-Year ROA (%) Range
Min: -353.96  Med: -90.80 Max: 25.33
Current: 5.98
-353.96
25.33
ROC (Joel Greenblatt) (%) 133.77
PYDS's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 23.67 vs. PYDS: 133.77 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PYDS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4206.9  Med: -708.92 Max: 10657.14
Current: 133.77
-4206.9
10657.14
Revenue Growth (3Y)(%) 39.90
PYDS's Revenue Growth (3Y)(%) is ranked higher than
95% of the 569 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. PYDS: 39.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PYDS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -47.4  Med: 23.00 Max: 116.6
Current: 39.9
-47.4
116.6
EBITDA Growth (3Y)(%) 84.20
PYDS's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 464 Companies
in the Global Business Services industry.

( Industry Median: 5.60 vs. PYDS: 84.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PYDS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -61.4  Med: -29.20 Max: 84.2
Current: 84.2
-61.4
84.2
EPS Growth (3Y)(%) 117.20
PYDS's EPS Growth (3Y)(%) is ranked higher than
99% of the 426 Companies
in the Global Business Services industry.

( Industry Median: 6.30 vs. PYDS: 117.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PYDS' s 10-Year EPS Growth (3Y)(%) Range
Min: -59.5  Med: -29.40 Max: 117.2
Current: 117.2
-59.5
117.2
» 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) 6.36
PYDS's P/E(ttm) is ranked higher than
95% of the 524 Companies
in the Global Business Services industry.

( Industry Median: 20.00 vs. PYDS: 6.36 )
Ranked among companies with meaningful P/E(ttm) only.
PYDS' s 10-Year P/E(ttm) Range
Min: 4.69  Med: 20.66 Max: 60
Current: 6.36
4.69
60
PE(NRI) 6.60
PYDS's PE(NRI) is ranked higher than
93% of the 523 Companies
in the Global Business Services industry.

( Industry Median: 19.60 vs. PYDS: 6.60 )
Ranked among companies with meaningful PE(NRI) only.
PYDS' s 10-Year PE(NRI) Range
Min: 6.35  Med: 14.42 Max: 52
Current: 6.6
6.35
52
P/B 5.13
PYDS's P/B is ranked lower than
73% of the 679 Companies
in the Global Business Services industry.

( Industry Median: 2.08 vs. PYDS: 5.13 )
Ranked among companies with meaningful P/B only.
PYDS' s 10-Year P/B Range
Min: 3.79  Med: 12.60 Max: 172.5
Current: 5.13
3.79
172.5
P/S 2.59
PYDS's P/S is ranked lower than
62% of the 722 Companies
in the Global Business Services industry.

( Industry Median: 1.22 vs. PYDS: 2.59 )
Ranked among companies with meaningful P/S only.
PYDS' s 10-Year P/S Range
Min: 0.21  Med: 1.78 Max: 30
Current: 2.59
0.21
30
PFCF 13.76
PYDS's PFCF is ranked higher than
76% of the 398 Companies
in the Global Business Services industry.

( Industry Median: 16.74 vs. PYDS: 13.76 )
Ranked among companies with meaningful PFCF only.
PYDS' s 10-Year PFCF Range
Min: 0.3  Med: 5.87 Max: 67.5
Current: 13.76
0.3
67.5
POCF 11.49
PYDS's POCF is ranked higher than
69% of the 502 Companies
in the Global Business Services industry.

( Industry Median: 12.53 vs. PYDS: 11.49 )
Ranked among companies with meaningful POCF only.
PYDS' s 10-Year POCF Range
Min: 0.03  Med: 7.38 Max: 99999999.99
Current: 11.49
0.03
99999999.99
Shiller P/E 11.93
PYDS's Shiller P/E is ranked higher than
90% of the 351 Companies
in the Global Business Services industry.

( Industry Median: 22.48 vs. PYDS: 11.93 )
Ranked among companies with meaningful Shiller P/E only.
PYDS' s 10-Year Shiller P/E Range
Min: 8.76  Med: 15.94 Max: 25.29
Current: 11.93
8.76
25.29
Current Ratio 1.06
PYDS's Current Ratio is ranked lower than
77% of the 702 Companies
in the Global Business Services industry.

( Industry Median: 1.55 vs. PYDS: 1.06 )
Ranked among companies with meaningful Current Ratio only.
PYDS' s 10-Year Current Ratio Range
Min: 0.13  Med: 0.64 Max: 8.04
Current: 1.06
0.13
8.04
Quick Ratio 1.06
PYDS's Quick Ratio is ranked lower than
70% of the 702 Companies
in the Global Business Services industry.

( Industry Median: 1.42 vs. PYDS: 1.06 )
Ranked among companies with meaningful Quick Ratio only.
PYDS' s 10-Year Quick Ratio Range
Min: 0.13  Med: 0.64 Max: 8.04
Current: 1.06
0.13
8.04
Days Sales Outstanding 22.74
PYDS's Days Sales Outstanding is ranked higher than
86% of the 611 Companies
in the Global Business Services industry.

( Industry Median: 57.63 vs. PYDS: 22.74 )
Ranked among companies with meaningful Days Sales Outstanding only.
PYDS' s 10-Year Days Sales Outstanding Range
Min: 10.34  Med: 28.39 Max: 3633.41
Current: 22.74
10.34
3633.41

Valuation & Return

vs
industry
vs
history
Price/Net Cash 24.64
PYDS's Price/Net Cash is ranked lower than
70% of the 138 Companies
in the Global Business Services industry.

( Industry Median: 8.55 vs. PYDS: 24.64 )
Ranked among companies with meaningful Price/Net Cash only.
PYDS' s 10-Year Price/Net Cash Range
Min: 3.99  Med: 22.53 Max: 151.5
Current: 24.64
3.99
151.5
Price/Net Current Asset Value 11.50
PYDS's Price/Net Current Asset Value is ranked lower than
64% of the 335 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. PYDS: 11.50 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
PYDS' s 10-Year Price/Net Current Asset Value Range
Min: 3.11  Med: 15.00 Max: 60
Current: 11.5
3.11
60
Price/Tangible Book 5.39
PYDS's Price/Tangible Book is ranked lower than
61% of the 540 Companies
in the Global Business Services industry.

( Industry Median: 2.72 vs. PYDS: 5.39 )
Ranked among companies with meaningful Price/Tangible Book only.
PYDS' s 10-Year Price/Tangible Book Range
Min: 1.6  Med: 9.32 Max: 90
Current: 5.39
1.6
90
Price/Projected FCF 0.38
PYDS's Price/Projected FCF is ranked higher than
95% of the 387 Companies
in the Global Business Services industry.

( Industry Median: 1.30 vs. PYDS: 0.38 )
Ranked among companies with meaningful Price/Projected FCF only.
PYDS' s 10-Year Price/Projected FCF Range
Min: 0.03  Med: 0.67 Max: 7.5
Current: 0.38
0.03
7.5
Price/Median PS Value 1.44
PYDS's Price/Median PS Value is ranked higher than
53% of the 661 Companies
in the Global Business Services industry.

( Industry Median: 1.08 vs. PYDS: 1.44 )
Ranked among companies with meaningful Price/Median PS Value only.
PYDS' s 10-Year Price/Median PS Value Range
Min: 0.15  Med: 1.20 Max: 387.5
Current: 1.44
0.15
387.5
Price/Graham Number 1.59
PYDS's Price/Graham Number is ranked higher than
64% of the 391 Companies
in the Global Business Services industry.

( Industry Median: 1.62 vs. PYDS: 1.59 )
Ranked among companies with meaningful Price/Graham Number only.
PYDS' s 10-Year Price/Graham Number Range
Min: 1.28  Med: 2.44 Max: 6.06
Current: 1.59
1.28
6.06
Earnings Yield (Greenblatt) (%) -10.62
PYDS's Earnings Yield (Greenblatt) (%) is ranked lower than
87% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 5.20 vs. PYDS: -10.62 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PYDS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -10.73  Med: 6.80 Max: 2039
Current: -10.62
-10.73
2039

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 Aug 28 2015
PYDS Plans for Continued Investment in Company and Announces General Guidance for 2015 Aug 25 2015
PYDS Plans for Continued Investment in Company and Announces General Guidance for 2015 Aug 25 2015
PYDS Reports Quarterly Revenue for the Second Quarter of 2015 Aug 17 2015
Payment Data Systems to Trade on NASDAQ Tomorrow Aug 17 2015
Payment Data Systems Announces Record Transaction Growth for July 2015 Aug 17 2015
PAYMENT DATA SYSTEMS INC Files SEC form 10-Q, Quarterly Report Aug 14 2015
PYDS Reports Quarterly Revenue for the Second Quarter of 2015 Aug 14 2015
Q2 2015 Payment Data Systems Inc Earnings Release - Time Not Supplied Aug 14 2015
OTC Markets Group Congratulates Payment Data Systems on NASDAQ Listing Aug 11 2015
Payment Data Systems to Trade on NASDAQ Tomorrow Aug 10 2015
Payment Data Systems Announces Record Transaction Growth for July 2015 Aug 06 2015
Payment Data Systems Announces Approval for Listing on NASDAQ Aug 04 2015
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Jul 23 2015
Payment Data Systems Announces 15-to-1 Reverse Split of Common Stock Jul 21 2015
Payment Data Systems Announces Transaction Growth for the Second Quarter of 2015 Jul 20 2015
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jul 02 2015
PYDS Provides Status Update Jun 09 2015
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces an Investigation Involving Possible Breaches of... Jun 01 2015
PAYMENT DATA SYSTEMS INC Files SEC form 10-Q, Quarterly Report May 15 2015

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