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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 1.85
UEPS's Cash to Debt is ranked higher than
51% of the 726 Companies
in the Global Business Services industry.

( Industry Median: 1.75 vs. UEPS: 1.85 )
Ranked among companies with meaningful Cash to Debt only.
UEPS' s 10-Year Cash to Debt Range
Min: 0.23  Med: 10000.00 Max: 100370.5
Current: 1.85
0.23
100370.5
Equity to Asset 0.36
UEPS's Equity to Asset is ranked lower than
68% of the 671 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. UEPS: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
UEPS' s 10-Year Equity to Asset Range
Min: -48.39  Med: 0.61 Max: 0.83
Current: 0.36
-48.39
0.83
Interest Coverage 13.62
UEPS's Interest Coverage is ranked lower than
63% of the 483 Companies
in the Global Business Services industry.

( Industry Median: 40.12 vs. UEPS: 13.62 )
Ranked among companies with meaningful Interest Coverage only.
UEPS' s 10-Year Interest Coverage Range
Min: 1.37  Med: 10000.00 Max: 9999.99
Current: 13.62
1.37
9999.99
F-Score: 8
Z-Score: 2.44
M-Score: -2.40
WACC vs ROIC
6.90%
21.45%
WACC
ROIC
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 : 9/10

vs
industry
vs
history
Operating margin (%) 21.50
UEPS's Operating margin (%) is ranked higher than
88% of the 723 Companies
in the Global Business Services industry.

( Industry Median: 5.44 vs. UEPS: 21.50 )
Ranked among companies with meaningful Operating margin (%) only.
UEPS' s 10-Year Operating margin (%) Range
Min: -682.93  Med: 24.90 Max: 45.7
Current: 21.5
-682.93
45.7
Net-margin (%) 15.42
UEPS's Net-margin (%) is ranked higher than
86% of the 724 Companies
in the Global Business Services industry.

( Industry Median: 3.65 vs. UEPS: 15.42 )
Ranked among companies with meaningful Net-margin (%) only.
UEPS' s 10-Year Net-margin (%) Range
Min: -687.8  Med: 12.05 Max: 35.09
Current: 15.42
-687.8
35.09
ROE (%) 22.86
UEPS's ROE (%) is ranked higher than
84% of the 684 Companies
in the Global Business Services industry.

( Industry Median: 8.38 vs. UEPS: 22.86 )
Ranked among companies with meaningful ROE (%) only.
UEPS' s 10-Year ROE (%) Range
Min: -249.72  Med: 18.01 Max: 38.32
Current: 22.86
-249.72
38.32
ROA (%) 7.82
UEPS's ROA (%) is ranked higher than
74% of the 737 Companies
in the Global Business Services industry.

( Industry Median: 3.56 vs. UEPS: 7.82 )
Ranked among companies with meaningful ROA (%) only.
UEPS' s 10-Year ROA (%) Range
Min: -447.62  Med: 5.34 Max: 26.65
Current: 7.82
-447.62
26.65
ROC (Joel Greenblatt) (%) 80.38
UEPS's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 721 Companies
in the Global Business Services industry.

( Industry Median: 22.09 vs. UEPS: 80.38 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UEPS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -135600  Med: 474.98 Max: 1367.31
Current: 80.38
-135600
1367.31
Revenue Growth (3Y)(%) 18.40
UEPS's Revenue Growth (3Y)(%) is ranked higher than
85% of the 551 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. UEPS: 18.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UEPS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 15.70 Max: 454.5
Current: 18.4
0
454.5
EBITDA Growth (3Y)(%) 24.50
UEPS's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 461 Companies
in the Global Business Services industry.

( Industry Median: 5.90 vs. UEPS: 24.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UEPS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 4.95 Max: 24.5
Current: 24.5
0
24.5
EPS Growth (3Y)(%) 193.70
UEPS's EPS Growth (3Y)(%) is ranked higher than
100% of the 417 Companies
in the Global Business Services industry.

( Industry Median: 6.30 vs. UEPS: 193.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UEPS' s 10-Year EPS Growth (3Y)(%) Range
Min: -65.8  Med: -8.05 Max: 193.7
Current: 193.7
-65.8
193.7
» UEPS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

UEPS Guru Trades in Q2 2014

IVA International Fund 2,725,972 sh (+0.20%)
Charles de Vaulx 6,006,359 sh (unchged)
Chuck Royce 3,300 sh (unchged)
Jim Simons 537,200 sh (-0.06%)
» More
Q3 2014

UEPS Guru Trades in Q3 2014

Paul Tudor Jones 17,917 sh (New)
Jim Simons 736,500 sh (+37.10%)
IVA International Fund 2,725,972 sh (unchged)
Charles de Vaulx 6,006,359 sh (unchged)
Chuck Royce 3,300 sh (unchged)
» More
Q4 2014

UEPS Guru Trades in Q4 2014

Paul Tudor Jones 34,760 sh (+94.01%)
IVA International Fund 2,813,516 sh (+3.21%)
Charles de Vaulx 6,020,929 sh (+0.24%)
Chuck Royce 3,300 sh (unchged)
Jim Simons 447,109 sh (-39.29%)
» More
Q1 2015

UEPS Guru Trades in Q1 2015

Paul Tudor Jones 44,058 sh (+26.75%)
IVA International Fund 2,813,516 sh (unchged)
Charles de Vaulx 6,020,929 sh (unchged)
Chuck Royce 3,300 sh (unchged)
Jim Simons 411,626 sh (-7.94%)
» More
» Details

Insider Trades

Latest Guru Trades with UEPS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 8.79
UEPS's P/E(ttm) is ranked higher than
89% of the 519 Companies
in the Global Business Services industry.

( Industry Median: 21.70 vs. UEPS: 8.79 )
Ranked among companies with meaningful P/E(ttm) only.
UEPS' s 10-Year P/E(ttm) Range
Min: 5.35  Med: 18.60 Max: 144.68
Current: 8.79
5.35
144.68
Forward P/E 10.63
UEPS's Forward P/E is ranked higher than
78% of the 273 Companies
in the Global Business Services industry.

( Industry Median: 15.87 vs. UEPS: 10.63 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.80
UEPS's PE(NRI) is ranked higher than
88% of the 512 Companies
in the Global Business Services industry.

( Industry Median: 21.10 vs. UEPS: 8.80 )
Ranked among companies with meaningful PE(NRI) only.
UEPS' s 10-Year PE(NRI) Range
Min: 5.31  Med: 17.42 Max: 125.43
Current: 8.8
5.31
125.43
P/B 1.86
UEPS's P/B is ranked higher than
58% of the 684 Companies
in the Global Business Services industry.

( Industry Median: 2.38 vs. UEPS: 1.86 )
Ranked among companies with meaningful P/B only.
UEPS' s 10-Year P/B Range
Min: 0.62  Med: 2.15 Max: 8.47
Current: 1.86
0.62
8.47
P/S 1.34
UEPS's P/S is ranked higher than
50% of the 750 Companies
in the Global Business Services industry.

( Industry Median: 1.34 vs. UEPS: 1.34 )
Ranked among companies with meaningful P/S only.
UEPS' s 10-Year P/S Range
Min: 0.53  Med: 2.91 Max: 12.3
Current: 1.34
0.53
12.3
PFCF 8.38
UEPS's PFCF is ranked higher than
83% of the 407 Companies
in the Global Business Services industry.

( Industry Median: 19.81 vs. UEPS: 8.38 )
Ranked among companies with meaningful PFCF only.
UEPS' s 10-Year PFCF Range
Min: 4.24  Med: 15.07 Max: 89.86
Current: 8.38
4.24
89.86
POCF 6.42
UEPS's POCF is ranked higher than
78% of the 512 Companies
in the Global Business Services industry.

( Industry Median: 13.77 vs. UEPS: 6.42 )
Ranked among companies with meaningful POCF only.
UEPS' s 10-Year POCF Range
Min: 0.44  Med: 12.66 Max: 54.89
Current: 6.42
0.44
54.89
EV-to-EBIT 5.27
UEPS's EV-to-EBIT is ranked higher than
90% of the 548 Companies
in the Global Business Services industry.

( Industry Median: 15.15 vs. UEPS: 5.27 )
Ranked among companies with meaningful EV-to-EBIT only.
UEPS' s 10-Year EV-to-EBIT Range
Min: -241.1  Med: 9.90 Max: 56.1
Current: 5.27
-241.1
56.1
PEG 1.28
UEPS's PEG is ranked higher than
69% of the 227 Companies
in the Global Business Services industry.

( Industry Median: 2.22 vs. UEPS: 1.28 )
Ranked among companies with meaningful PEG only.
UEPS' s 10-Year PEG Range
Min: 0.36  Med: 2.88 Max: 38.83
Current: 1.28
0.36
38.83
Shiller P/E 19.53
UEPS's Shiller P/E is ranked higher than
62% of the 337 Companies
in the Global Business Services industry.

( Industry Median: 24.05 vs. UEPS: 19.53 )
Ranked among companies with meaningful Shiller P/E only.
UEPS' s 10-Year Shiller P/E Range
Min: 4.9  Med: 12.77 Max: 266.67
Current: 19.53
4.9
266.67
Current Ratio 1.34
UEPS's Current Ratio is ranked lower than
62% of the 686 Companies
in the Global Business Services industry.

( Industry Median: 1.54 vs. UEPS: 1.34 )
Ranked among companies with meaningful Current Ratio only.
UEPS' s 10-Year Current Ratio Range
Min: 0.02  Med: 1.64 Max: 7.65
Current: 1.34
0.02
7.65
Quick Ratio 1.33
UEPS's Quick Ratio is ranked lower than
54% of the 686 Companies
in the Global Business Services industry.

( Industry Median: 1.41 vs. UEPS: 1.33 )
Ranked among companies with meaningful Quick Ratio only.
UEPS' s 10-Year Quick Ratio Range
Min: 0.02  Med: 1.64 Max: 7.53
Current: 1.33
0.02
7.53
Days Inventory 14.62
UEPS's Days Inventory is ranked higher than
54% of the 432 Companies
in the Global Business Services industry.

( Industry Median: 18.43 vs. UEPS: 14.62 )
Ranked among companies with meaningful Days Inventory only.
UEPS' s 10-Year Days Inventory Range
Min: 4.92  Med: 21.33 Max: 34.64
Current: 14.62
4.92
34.64
Days Sales Outstanding 77.32
UEPS's Days Sales Outstanding is ranked lower than
70% of the 606 Companies
in the Global Business Services industry.

( Industry Median: 56.10 vs. UEPS: 77.32 )
Ranked among companies with meaningful Days Sales Outstanding only.
UEPS' s 10-Year Days Sales Outstanding Range
Min: 31.32  Med: 48.43 Max: 212.53
Current: 77.32
31.32
212.53

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 5.55
UEPS's Price/Net Current Asset Value is ranked higher than
51% of the 336 Companies
in the Global Business Services industry.

( Industry Median: 5.68 vs. UEPS: 5.55 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
UEPS' s 10-Year Price/Net Current Asset Value Range
Min: 2.49  Med: 7.60 Max: 134.98
Current: 5.55
2.49
134.98
Price/Tangible Book 3.59
UEPS's Price/Tangible Book is ranked lower than
56% of the 541 Companies
in the Global Business Services industry.

( Industry Median: 2.90 vs. UEPS: 3.59 )
Ranked among companies with meaningful Price/Tangible Book only.
UEPS' s 10-Year Price/Tangible Book Range
Min: 2.17  Med: 6.03 Max: 134.98
Current: 3.59
2.17
134.98
Price/Projected FCF 0.75
UEPS's Price/Projected FCF is ranked higher than
74% of the 375 Companies
in the Global Business Services industry.

( Industry Median: 1.36 vs. UEPS: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
UEPS' s 10-Year Price/Projected FCF Range
Min: 0.19  Med: 0.59 Max: 4.81
Current: 0.75
0.19
4.81
Price/DCF (Earnings Based) 1.37
UEPS's Price/DCF (Earnings Based) is ranked higher than
54% of the 59 Companies
in the Global Business Services industry.

( Industry Median: 1.38 vs. UEPS: 1.37 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.46
UEPS's Price/Median PS Value is ranked higher than
94% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 1.17 vs. UEPS: 0.46 )
Ranked among companies with meaningful Price/Median PS Value only.
UEPS' s 10-Year Price/Median PS Value Range
Min: 0.18  Med: 1.49 Max: 1389.73
Current: 0.46
0.18
1389.73
Price/Peter Lynch Fair Value 0.54
UEPS's Price/Peter Lynch Fair Value is ranked higher than
90% of the 165 Companies
in the Global Business Services industry.

( Industry Median: 1.50 vs. UEPS: 0.54 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UEPS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.37  Med: 1.13 Max: 8.95
Current: 0.54
0.37
8.95
Price/Graham Number 1.16
UEPS's Price/Graham Number is ranked higher than
68% of the 397 Companies
in the Global Business Services industry.

( Industry Median: 1.79 vs. UEPS: 1.16 )
Ranked among companies with meaningful Price/Graham Number only.
UEPS' s 10-Year Price/Graham Number Range
Min: 0.78  Med: 1.94 Max: 4.68
Current: 1.16
0.78
4.68
Earnings Yield (Greenblatt) (%) 19.20
UEPS's Earnings Yield (Greenblatt) (%) is ranked higher than
93% of the 725 Companies
in the Global Business Services industry.

( Industry Median: 4.80 vs. UEPS: 19.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UEPS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.8  Med: 9.80 Max: 43.1
Current: 19.2
1.8
43.1
Forward Rate of Return (Yacktman) (%) 19.42
UEPS's Forward Rate of Return (Yacktman) (%) is ranked higher than
74% of the 352 Companies
in the Global Business Services industry.

( Industry Median: 11.30 vs. UEPS: 19.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UEPS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 5.4  Med: 14.50 Max: 43.8
Current: 19.42
5.4
43.8

Analyst Estimate

Jun15
EPS($) 1.10
EPS without NRI($) 1.10

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:NT1.South Africa, NJPA.Germany,
Net 1 Ueps Technologies Inc was incorporated in Florida in May 1997. The Company is a provider of payment solutions and transaction processing services across multiple industries and in a number of emerging economies. It has developed and markets a transaction processing solution that encompasses its smart card-based alternative payment system for the unbanked and under-banked populations of developing economies and for mobile transaction channels. Its universal electronic payment system, or UEPS, uses biometrically secure smart cards that operate in real-time but offline, unlike traditional payment systems offered by major banking institutions that require immediate access through a communications network to a centralized computer. Its version of the UEPS technology have been certified by EMV, which facilitates its traditionally proprietary UEPS system to interoperate with the global EMV standard and allows card holders to transact at any EMV-enabled point of sale terminal or ATM. The UEPS/EMV technology has been deployed in South Africa through the issuance of MasterCard-branded UEPS/EMV cards to its social welfare grant recipient cardholders. It also provide secure transaction technology solutions and services, by offering transaction processing, financial and clinical risk management solutions to various industries. It has expertise in secure online transaction processing, cryptography, mobile telephony and integrated circuit card (chip/smart card) technologies. The Company's technology is used in South Africa today, where it distributes pension and welfare payments, using its UEPS/EMV technology, to over nine million recipients across the entire country, process debit and credit card payment transactions on behalf of retailers. The Company is a provider of third-party and associated payroll payments in South Africa through its FIHRST service that processes monthly payments for approximately 1,300 employer groups representing over 850,000 employees. Its MediKredit service provides the majority of funders and providers of healthcare in South Africa with an on-line real-time management system for healthcare transactions. It performs a similar service in the US through its XeoHealth subsidiary. Its Competitors include the local banks and other transaction processors. The Company competes with other service providers on these aspects through SASSA's tender processes, when applicable, or through contract extension negotiations.
» More Articles for UEPS

Headlines

Articles On GuruFocus.com
Net1 Launches Mobile Virtual Card Technology in India Nov 07 2014 
Net 1 UEPS Technologies Inc. to Host Conference Call to Review First Quarter 2015 Results Oct 15 2014 
Net1 Mobile Solutions and FIHRST Deliver the Future to HR and Payroll Administrators Oct 15 2014 
Top Gainers of More Than 30% Within One Day Jan 19 2012 
Net1 UEPS Technologies (UEPS) Rises Over 30 Percent Rewarding Undervaluation Jan 18 2012 
Net1 Universal Electronic Payment System Technologies – Is Contract Overhang Hiding Value? Nov 01 2011 
Value Research Mar 23 2011 
Four Guru Stocks Hitting New Lows: CSCO, FMER, LFC, UEPS Feb 11 2011 
Net 1 UEPS Technologies Inc. Reports Operating Results (10-Q) Feb 03 2011 
Net 1 UEPS Technologies (UEPS) - Speculation or Investment? Jan 13 2011 

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