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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 : 2/10

vs
industry
vs
history
Interest Coverage -3.50
RFNN's Interest Coverage is ranked lower than
93% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 3.44 vs. RFNN: -3.50 )
RFNN' s 10-Year Interest Coverage Range
Min: -26   Max: -1
Current: -3.5

-26
-1
F-Score: 3
Z-Score: -55.42
M-Score: -9.43
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 : 4/10

vs
industry
vs
history
Operating margin (%) -24.22
RFNN's Operating margin (%) is ranked lower than
74% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. RFNN: -24.22 )
RFNN' s 10-Year Operating margin (%) Range
Min: -1116.7   Max: -24.5
Current: -24.22

-1116.7
-24.5
Net-margin (%) -39.39
RFNN's Net-margin (%) is ranked lower than
71% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 16.33 vs. RFNN: -39.39 )
RFNN' s 10-Year Net-margin (%) Range
Min: -3105.6   Max: 136.1
Current: -39.39

-3105.6
136.1
ROA (%) -272.82
RFNN's ROA (%) is ranked lower than
70% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. RFNN: -272.82 )
RFNN' s 10-Year ROA (%) Range
Min: -5745.8   Max: 766.6
Current: -272.82

-5745.8
766.6
ROC (Joel Greenblatt) (%) 198.00
RFNN's ROC (Joel Greenblatt) (%) is ranked lower than
74% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 33.33 vs. RFNN: 198.00 )
RFNN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -58   Max: 198
Current: 198

-58
198
Revenue Growth (%) 41.40
RFNN's Revenue Growth (%) is ranked lower than
78% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. RFNN: 41.40 )
RFNN' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 41.4
Current: 41.4

0
41.4
EBITDA Growth (%) -15.90
RFNN's EBITDA Growth (%) is ranked lower than
95% of the 101 Companies
in the Global Credit Services industry.

( Industry Median: 10.20 vs. RFNN: -15.90 )
RFNN' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: -15.9
Current: -15.9

» RFNN'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/S 0.12
RFNN's P/S is ranked lower than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. RFNN: 0.12 )
RFNN' s 10-Year P/S Range
Min: 0.1   Max: 13
Current: 0.12

0.1
13
PFCF 132.00
RFNN's PFCF is ranked lower than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 36.62 vs. RFNN: 132.00 )
RFNN' s 10-Year PFCF Range
Min: 1   Max: 8282
Current: 132

1
8282
Current Ratio 0.09
RFNN's Current Ratio is ranked lower than
114% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. RFNN: 0.09 )
RFNN' s 10-Year Current Ratio Range
Min: 0   Max: 0
Current: 0.09

Quick Ratio 0.03
RFNN's Quick Ratio is ranked lower than
114% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. RFNN: 0.03 )
RFNN' s 10-Year Quick Ratio Range
Min: 0   Max: 0
Current: 0.03

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 1.30
RFNN's Price/Net Current Asset Value is ranked lower than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. RFNN: 1.30 )
RFNN' s 10-Year Price/Net Current Asset Value Range
Min: 1.3   Max: 10
Current: 1.3

1.3
10
Price/Tangible Book 2.90
RFNN's Price/Tangible Book is ranked lower than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.03 vs. RFNN: 2.90 )
RFNN' s 10-Year Price/Tangible Book Range
Min: 2.9   Max: 2.9
Current: 2.9

Price/Median PS Value 0.20
RFNN's Price/Median PS Value is ranked lower than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. RFNN: 0.20 )
RFNN' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 4.5
Current: 0.2

0.2
4.5
Price/Graham Number 0.30
RFNN's Price/Graham Number is ranked lower than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.25 vs. RFNN: 0.30 )
RFNN' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 0.3
Current: 0.3

Forward Rate of Return (Yacktman) -0.61
RFNN's Forward Rate of Return (Yacktman) is ranked lower than
79% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 13.11 vs. RFNN: -0.61 )
RFNN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -27.5   Max: -2.1
Current: -0.61

-27.5
-2.1

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, RDCRL, AXP » details
RedFin Network Inc formerly known as Secured Financial Network, Incorporated originally known as Loughran/Go Corporation was incorporated in April 26, 1996. The Company changed its name to Secured Financial Network Inc. on January 11, 2005. The Company is a valued added provider of payment transaction processing platforms and equipment marketed to and utilized by traditional 'brick and mortar', and Internet e-commerce merchants and those using mobile or wireless devices to conduct business. It operates through its wholly owned subsidiary RFN. RFN markets its products and services through the branded name RedFin Network. These products and services today include: Blue Bamboo H-25 Wireless all-in-one transaction terminal, Blue Bamboo P-25 printer and printer card reader device, Blue Bamboo Blue Box table pay restaurant solution, Blue Bamboo PCI Compliant and Visa certified Payment Gateway, RedFin Sidebar QuickBooks interface. The RedFin Payment Gateway, servicing over 11,000 merchants today is a customized credit/debit card-processing platform serving as the connection between the customers at point-of-sale to the financial networks for the acceptance of card payment by merchants. Third party providers in compliance with financial institutions process card transactions worldwide. The PCI/DSS Standard was developed by the major credit card associations as a guideline to help organizations that process card payments prevent credit card fraud, cracking and various other security vulnerabilities and threats. The Blue Bamboo Products and Payment Gateway are marketed through 150 non-exclusive reseller agreements with ISO'S (Independent Sales Organizations) and VAR's (Value Added Resellers) selling products and merchant services to end customers throughout the U.S. The Payment Gateway can also be re-branded for other large associations requiring their own name recognition by the ISO/Merchant customer base. Currently it private label the Payment Gateway for its customers Sure Gate, Blackstone Merchant Services, Prospay, TX Direct, Ellamate, Charge Card systems, Diversified Check Solutions and Versatile Pay. Redfin has developed Windows based software for its Blue Bamboo P-25 printer and card-reader for use with PC's allowing for processing of credit/debit card, check, ACH, Check21 transactions. It has also developed the RedFin Sidebar allowing merchants to directly interface the RedFin Payment Gateway with QuickBooks. Redfin, under a hosting agreement with ZZ Servers, has built out a very dynamic gateway hosting facility allowing for 99.9% up time for transaction processing with internal and geographic redundancy in case of power outage or natural disaster. The Company's objective is to keep a low cost efficient overhead by outsourcing warehousing, hosting, customer and technical support, while controlling all product deployment internally. The Company's competitors include EFS Net, Secure Pay, LinkPoint and others.

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