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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 752 Companies
in the Global Business Services industry.

( Industry Median: 1.49 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 0.17
PYDS's Equity to Asset is ranked lower than
90% of the 714 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. PYDS: 0.17 )
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: 0.17
-3.58
0.89
Interest Coverage No Debt
PYDS's Interest Coverage is ranked higher than
98% of the 658 Companies
in the Global Business Services industry.

( Industry Median: 25.47 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
F-Score: 5
Z-Score: -0.64
M-Score: -2.17
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 (%) -2.56
PYDS's Operating margin (%) is ranked lower than
82% of the 741 Companies
in the Global Business Services industry.

( Industry Median: 5.91 vs. PYDS: -2.56 )
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: -2.56
-56.31
18.94
Net-margin (%) -0.78
PYDS's Net-margin (%) is ranked lower than
76% of the 743 Companies
in the Global Business Services industry.

( Industry Median: 3.81 vs. PYDS: -0.78 )
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: -0.78
-56.7
28.65
ROE (%) -1.17
PYDS's ROE (%) is ranked lower than
77% of the 725 Companies
in the Global Business Services industry.

( Industry Median: 8.01 vs. PYDS: -1.17 )
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: -1.17
-56.82
147.59
ROA (%) -0.17
PYDS's ROA (%) is ranked lower than
74% of the 759 Companies
in the Global Business Services industry.

( Industry Median: 3.57 vs. PYDS: -0.17 )
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: -0.17
-353.96
25.33
ROC (Joel Greenblatt) (%) -11.20
PYDS's ROC (Joel Greenblatt) (%) is ranked lower than
83% of the 741 Companies
in the Global Business Services industry.

( Industry Median: 22.78 vs. PYDS: -11.20 )
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: -11.2
-4206.9
10657.14
Revenue Growth (3Y)(%) 14.20
PYDS's Revenue Growth (3Y)(%) is ranked higher than
83% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 3.90 vs. PYDS: 14.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PYDS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -48.5  Med: 18.6 Max: 121.2
Current: 14.2
-48.5
121.2
EBITDA Growth (3Y)(%) -7.80
PYDS's EBITDA Growth (3Y)(%) is ranked lower than
78% of the 512 Companies
in the Global Business Services industry.

( Industry Median: 7.10 vs. PYDS: -7.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PYDS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -61.5  Med: -28.75 Max: 80.5
Current: -7.8
-61.5
80.5
EPS Growth (3Y)(%) -18.90
PYDS's EPS Growth (3Y)(%) is ranked lower than
80% of the 470 Companies
in the Global Business Services industry.

( Industry Median: 6.70 vs. PYDS: -18.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PYDS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -37.5 Max: -18.9
Current: -18.9
» PYDS's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Business Services » Business Services
Compare:OTCPK:CRWE, NAS:SGRP, OTCPK:AUXO, OTCPK:CDOM, OTCPK:CTOP, OTCPK:PBSV, OTCPK:RSSS, NAS:SAJA, OTCPK:FPAY, NAS:ITUS, NAS:OMEX, OTCPK:MDCL, OTCPK:AEPP, OTCPK:ZAOFF, OTCPK:BDMS, OTCPK:GEQU, OTCPK:ITMSF, OTCPK:DGPIF, OTCPK:HGBL, NAS:RMGN » 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
P/B 2.38
PYDS's P/B is ranked lower than
54% of the 693 Companies
in the Global Business Services industry.

( Industry Median: 2.21 vs. PYDS: 2.38 )
Ranked among companies with meaningful P/B only.
PYDS' s P/B Range Over the Past 10 Years
Min: 1.57  Med: 11.11 Max: 286.67
Current: 2.38
1.57
286.67
P/S 1.34
PYDS's P/S is ranked lower than
52% of the 717 Companies
in the Global Business Services industry.

( Industry Median: 1.27 vs. PYDS: 1.34 )
Ranked among companies with meaningful P/S only.
PYDS' s P/S Range Over the Past 10 Years
Min: 0.49  Med: 1.68 Max: 4.45
Current: 1.34
0.49
4.45
PFCF 16.53
PYDS's PFCF is ranked higher than
60% of the 344 Companies
in the Global Business Services industry.

( Industry Median: 20.00 vs. PYDS: 16.53 )
Ranked among companies with meaningful PFCF only.
PYDS' s PFCF Range Over the Past 10 Years
Min: 0.3  Med: 11.16 Max: 56.25
Current: 16.53
0.3
56.25
POCF 12.43
PYDS's POCF is ranked higher than
52% of the 423 Companies
in the Global Business Services industry.

( Industry Median: 13.01 vs. PYDS: 12.43 )
Ranked among companies with meaningful POCF only.
PYDS' s POCF Range Over the Past 10 Years
Min: 0.17  Med: 9.17 Max: 750
Current: 12.43
0.17
750
EV-to-EBITDA 42.14
PYDS's EV-to-EBITDA is ranked lower than
91% of the 597 Companies
in the Global Business Services industry.

( Industry Median: 11.18 vs. PYDS: 42.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
PYDS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.9  Med: -3.35 Max: 134.8
Current: 42.14
-103.9
134.8
Current Ratio 1.09
PYDS's Current Ratio is ranked lower than
78% of the 705 Companies
in the Global Business Services industry.

( Industry Median: 1.57 vs. PYDS: 1.09 )
Ranked among companies with meaningful Current Ratio only.
PYDS' s Current Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.85 Max: 8.04
Current: 1.09
0.13
8.04
Quick Ratio 1.09
PYDS's Quick Ratio is ranked lower than
70% of the 705 Companies
in the Global Business Services industry.

( Industry Median: 1.44 vs. PYDS: 1.09 )
Ranked among companies with meaningful Quick Ratio only.
PYDS' s Quick Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.85 Max: 8.04
Current: 1.09
0.13
8.04
Days Sales Outstanding 29.29
PYDS's Days Sales Outstanding is ranked higher than
82% of the 553 Companies
in the Global Business Services industry.

( Industry Median: 58.32 vs. PYDS: 29.29 )
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: 29.29
10.34
41.22
Days Payable 8.46
PYDS's Days Payable is ranked lower than
84% of the 461 Companies
in the Global Business Services industry.

( Industry Median: 35.70 vs. PYDS: 8.46 )
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: 8.46
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 438 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/Net Current Asset Value 5.23
PYDS's Price/Net Current Asset Value is ranked higher than
52% of the 344 Companies
in the Global Business Services industry.

( Industry Median: 5.69 vs. PYDS: 5.23 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
PYDS' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 3.11  Med: 14.23 Max: 60
Current: 5.23
3.11
60
Price/Tangible Book 2.44
PYDS's Price/Tangible Book is ranked higher than
50% of the 540 Companies
in the Global Business Services industry.

( Industry Median: 2.50 vs. PYDS: 2.44 )
Ranked among companies with meaningful Price/Tangible Book only.
PYDS' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.6  Med: 8.4 Max: 150
Current: 2.44
1.6
150
Price/Projected FCF 0.86
PYDS's Price/Projected FCF is ranked higher than
69% of the 356 Companies
in the Global Business Services industry.

( Industry Median: 1.43 vs. PYDS: 0.86 )
Ranked among companies with meaningful Price/Projected FCF only.
PYDS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.98 Max: 8.36
Current: 0.86
0.16
8.36
Price/Median PS Value 0.79
PYDS's Price/Median PS Value is ranked higher than
79% of the 620 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. PYDS: 0.79 )
Ranked among companies with meaningful Price/Median PS Value only.
PYDS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.37  Med: 1.25 Max: 415.18
Current: 0.79
0.37
415.18
Earnings Yield (Greenblatt) (%) -1.96
PYDS's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 735 Companies
in the Global Business Services industry.

( Industry Median: 5.10 vs. PYDS: -1.96 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PYDS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -1.99  Med: 6.65 Max: 2039
Current: -1.96
-1.99
2039

More Statistics

Revenue (TTM) (Mil) $13.33
EPS (TTM) $ -0.03
Beta1.20
Short Percentage of Float1.46%
52-Week Range $1.01 - 3.15
Shares Outstanding (Mil)12.08
» 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 Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Sep 14 2016
Payment Data Systems to Present at the 2016 Aegis Growth Conference on September 21 Sep 13 2016
PAYMENT DATA SYSTEMS INC Financials Aug 24 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 INC Files SEC form 10-Q, Quarterly Report Aug 15 2016
Payment Data Systems, Inc. :PYDS-US: Earnings Analysis: Q2, 2016 By the Numbers : August 15, 2016 Aug 15 2016
Rough road continues for SA financial services company stepping into the digital age Aug 12 2016
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 11 2016
Payment Data Systems Announces Second Quarter 2016 Results Aug 11 2016
Q2 2016 Payment Data Systems Inc Earnings Release - After Market Close Aug 11 2016
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Aug 09 2016
Payment Data Systems Names Louis Hoch President and CEO Aug 09 2016
Payment Data Systems Names Louis Hoch President and CEO Aug 08 2016
PAYMENT DATA SYSTEMS INC Files SEC form 8-K, Change in Directors or Principal Officers Aug 05 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 Announces Transaction Processing Volumes for the Second Quarter of 2016 Jul 29 2016
Payment Data Systems to Report Second Quarter 2016 Financial Results on August 11 Jul 29 2016
Payment Data Systems to Report Second Quarter 2016 Financial Results on August 11 Jul 28 2016

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