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Paybox (Paybox) ROE % : -142.01% (As of Dec. 2016)


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What is Paybox ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Paybox's annualized net income for the quarter that ended in Dec. 2016 was $-6.46 Mil. Paybox's average Total Stockholders Equity over the quarter that ended in Dec. 2016 was $4.55 Mil. Therefore, Paybox's annualized ROE % for the quarter that ended in Dec. 2016 was -142.01%.

The historical rank and industry rank for Paybox's ROE % or its related term are showing as below:

PBOX's ROE % is not ranked *
in the Software industry.
Industry Median: 3.21
* Ranked among companies with meaningful ROE % only.

Paybox ROE % Historical Data

The historical data trend for Paybox's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Paybox ROE % Chart

Paybox Annual Data
Trend Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.06 4.40 2.61 12.24 -33.27

Paybox Quarterly Data
Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.46 8.61 1.90 0.53 -142.01

Competitive Comparison of Paybox's ROE %

For the Software - Application subindustry, Paybox's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Paybox's ROE % Distribution in the Software Industry

For the Software industry and Technology sector, Paybox's ROE % distribution charts can be found below:

* The bar in red indicates where Paybox's ROE % falls into.



Paybox ROE % Calculation

Paybox's annualized ROE % for the fiscal year that ended in Dec. 2016 is calculated as

ROE %=Net Income (A: Dec. 2016 )/( (Total Stockholders Equity (A: Dec. 2015 )+Total Stockholders Equity (A: Dec. 2016 ))/ count )
=-1.471/( (5.084+3.758)/ 2 )
=-1.471/4.421
=-33.27 %

Paybox's annualized ROE % for the quarter that ended in Dec. 2016 is calculated as

ROE %=Net Income (Q: Dec. 2016 )/( (Total Stockholders Equity (Q: Sep. 2016 )+Total Stockholders Equity (Q: Dec. 2016 ))/ count )
=-6.46/( (5.34+3.758)/ 2 )
=-6.46/4.549
=-142.01 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Dec. 2016) net income data. ROE % is displayed in the 30-year financial page.


Paybox  (OTCPK:PBOX) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Dec. 2016 )
=Net Income/Total Stockholders Equity
=-6.46/4.549
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(-6.46 / 5.868)*(5.868 / 6.1765)*(6.1765 / 4.549)
=Net Margin %*Asset Turnover*Equity Multiplier
=-110.09 %*0.9501*1.3578
=ROA %*Equity Multiplier
=-104.6 %*1.3578
=-142.01 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Dec. 2016 )
=Net Income/Total Stockholders Equity
=-6.46/4.549
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Operating Income) * (Operating Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (-6.46 / -2.8) * (-2.8 / -1.752) * (-1.752 / 5.868) * (5.868 / 6.1765) * (6.1765 / 4.549)
= Tax Burden * Interest Burden * Operating Margin % * Asset Turnover * Equity Multiplier
= 2.3071 * 1.5982 * -29.86 % * 0.9501 * 1.3578
=-142.01 %

Note: The net income data used here is four times the quarterly (Dec. 2016) net income data. The Revenue data used here is four times the quarterly (Dec. 2016) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Paybox ROE % Related Terms

Thank you for viewing the detailed overview of Paybox's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


Paybox (Paybox) Business Description

Traded in Other Exchanges
N/A
Address
Paybox Corp operates as a software as a service provider (SaaS) company. It provides a unified working capital management platform for Order-to-Cash and Procure-to-Pay processes. The company offers PAYBOX, an Order-to-Cash process, which streamlines the receivables processes by combining invoice presentment, online adjustments, and approvals, electronic payments, enterprise resource planning, or lockbox system to corporate users primarily through banks. In addition, it also provides Procure-to-Pay, an e-invoice management solution for accounts payable, which renders various services, including supplier self-service portal, supplier electronic invoice submission, invoice matching and workflow exception handling, invoice approval and payment, and vendor boarding and supplier services.
Executives
James A Cannavino director
Lowell Rush officer: CFO, Secretary & Treasurer C/O DIRECT INSITE CORP., 500 EAST BROWARD BOULEVARD, SUITE 1550, FORT LAUDERDALE FL 33394
Craig W Thomas director 2100 CRESCENT AVENUE, CHARLOTTE NC 28207
Arnold P Leap officer: EVP & Chief Tech. Officer ONE OLD COUNTRY ROAD, SUITE 500, CARLE PLACE NY 11514
M Bernard Puckett other: Former Director 1499 POST ROAD FAIRFIELD CT 06824
Michael Beecher officer: Chief Financial Officer C/O DIRECT INSITE CORP, 80 ORVILLE DRIVE, BOHEMIA NY 11716
Mechem Charles S Jr director 2803 TETON PINE DR, WILSON WY 83014
Sigma Capital Partners, Llc 10 percent owner 800 THIRD AVENUE, NEW YORK NY 10022
Sigma Capital Advisors, Llc 10 percent owner 800 THIRD AVENUE, NEW YORK NY 10022
Thom Waye 10 percent owner C/O SIGMA CAPITAL ADVISORS, LLC, 800 THIRD AVENUE, NEW YORK NY 10022
Sigma Opportunity Fund Llc 10 percent owner 800 THIRD AVENUE SUITE 1701 NEW YORK NY 10022

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