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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 0.88
ACRT's Cash-to-Debt is ranked lower than
74% of the 1984 Companies
in the Global Software - Application industry.

( Industry Median: 6.56 vs. ACRT: 0.88 )
Ranked among companies with meaningful Cash-to-Debt only.
ACRT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.32 Max: No Debt
Current: 0.88
Debt-to-Equity -1.16
ACRT's Debt-to-Equity is ranked lower than
99.99% of the 1109 Companies
in the Global Software - Application industry.

( Industry Median: 0.26 vs. ACRT: -1.16 )
Ranked among companies with meaningful Debt-to-Equity only.
ACRT' s Debt-to-Equity Range Over the Past 10 Years
Min: -1.16  Med: -0.67 Max: -0.04
Current: -1.16
-1.16
-0.04
Debt-to-EBITDA -0.55
ACRT's Debt-to-EBITDA is ranked lower than
99.99% of the 1011 Companies
in the Global Software - Application industry.

( Industry Median: 1.30 vs. ACRT: -0.55 )
Ranked among companies with meaningful Debt-to-EBITDA only.
ACRT' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.04  Med: -0.53 Max: -0.42
Current: -0.55
-1.04
-0.42
Altman Z-Score: 8.65
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 : 3/10

vs
industry
vs
history
Operating Margin % -7000.00
ACRT's Operating Margin % is ranked lower than
99% of the 1924 Companies
in the Global Software - Application industry.

( Industry Median: 4.78 vs. ACRT: -7000.00 )
Ranked among companies with meaningful Operating Margin % only.
ACRT' s Operating Margin % Range Over the Past 10 Years
Min: -11450  Med: -1575 Max: -466.67
Current: -7000
-11450
-466.67
Net Margin % -8200.00
ACRT's Net Margin % is ranked lower than
99% of the 1925 Companies
in the Global Software - Application industry.

( Industry Median: 3.43 vs. ACRT: -8200.00 )
Ranked among companies with meaningful Net Margin % only.
ACRT' s Net Margin % Range Over the Past 10 Years
Min: -13025  Med: -1575 Max: -471.11
Current: -8200
-13025
-471.11
ROA % -657.05
ACRT's ROA % is ranked lower than
99% of the 1992 Companies
in the Global Software - Application industry.

( Industry Median: 2.97 vs. ACRT: -657.05 )
Ranked among companies with meaningful ROA % only.
ACRT' s ROA % Range Over the Past 10 Years
Min: -7066.67  Med: -1375 Max: -657.05
Current: -657.05
-7066.67
-657.05
3-Year Revenue Growth Rate -100.00
ACRT's 3-Year Revenue Growth Rate is ranked lower than
99% of the 1618 Companies
in the Global Software - Application industry.

( Industry Median: 5.30 vs. ACRT: -100.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ACRT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -100 Max: 26
Current: -100
0
26
3-Year EBITDA Growth Rate 3.20
ACRT's 3-Year EBITDA Growth Rate is ranked lower than
58% of the 1432 Companies
in the Global Software - Application industry.

( Industry Median: 7.30 vs. ACRT: 3.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ACRT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.6 Max: 23.3
Current: 3.2
0
23.3
3-Year EPS without NRI Growth Rate 12.60
ACRT's 3-Year EPS without NRI Growth Rate is ranked higher than
57% of the 1341 Companies
in the Global Software - Application industry.

( Industry Median: 8.10 vs. ACRT: 12.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ACRT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -11.2  Med: 8.1 Max: 171.4
Current: 12.6
-11.2
171.4
GuruFocus has detected 2 Warning Signs with Advanced Credit Technologies Inc ACRT.
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» ACRT's 30-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Application Software » Software - Application    NAICS: 423430    SIC: 5045
Compare:NZSE:IKE, ASX:OPN, TSE:9685, HKSE:08076, NAS:ISNS, XPAR:ALODI, OTCPK:VCSY, ROCO:5210, HKSE:08081, NAS:CPAH, HKSE:08048, OTCPK:AEYE, ASX:UBN, XMCE:FACE, NAS:SOFO, LSE:DSG, OTCPK:STVVY, TSXV:PROS, ASX:VLT, OSTO:EDGE » details
Headquarter Location:USA
Advanced Credit Technologies Inc provides proprietary software platform which allows customers to monitor and manage their credit from the privacy of their own homes. It also offers private label websites allowing customers to use their store front.

Advanced Credit Technologies Inc provides proprietary software platform which allows customers to monitor and manage their credit from the privacy of their own homes. It also offers private label websites allowing customers to use their store front.

Ratios

vs
industry
vs
history
EV-to-EBIT -72.78
ACRT's EV-to-EBIT is ranked lower than
99.99% of the 1275 Companies
in the Global Software - Application industry.

( Industry Median: 19.16 vs. ACRT: -72.78 )
Ranked among companies with meaningful EV-to-EBIT only.
ACRT' s EV-to-EBIT Range Over the Past 10 Years
Min: -85.74  Med: -10.5 Max: -2.2
Current: -72.78
-85.74
-2.2
EV-to-EBITDA -72.78
ACRT's EV-to-EBITDA is ranked lower than
99.99% of the 1386 Companies
in the Global Software - Application industry.

( Industry Median: 15.27 vs. ACRT: -72.78 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACRT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -85.74  Med: -10.5 Max: -2.2
Current: -72.78
-85.74
-2.2
EV-to-Revenue 5094.60
ACRT's EV-to-Revenue is ranked lower than
100% of the 1894 Companies
in the Global Software - Application industry.

( Industry Median: 2.40 vs. ACRT: 5094.60 )
Ranked among companies with meaningful EV-to-Revenue only.
ACRT' s EV-to-Revenue Range Over the Past 10 Years
Min: 13.1  Med: 57.1 Max: 264.8
Current: 5094.6
13.1
264.8
Current Ratio 0.52
ACRT's Current Ratio is ranked lower than
93% of the 1846 Companies
in the Global Software - Application industry.

( Industry Median: 1.89 vs. ACRT: 0.52 )
Ranked among companies with meaningful Current Ratio only.
ACRT' s Current Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.07 Max: 0.52
Current: 0.52
0.01
0.52
Quick Ratio 0.52
ACRT's Quick Ratio is ranked lower than
93% of the 1846 Companies
in the Global Software - Application industry.

( Industry Median: 1.75 vs. ACRT: 0.52 )
Ranked among companies with meaningful Quick Ratio only.
ACRT' s Quick Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.07 Max: 0.52
Current: 0.52
0.01
0.52
Days Sales Outstanding 876.00
ACRT's Days Sales Outstanding is ranked lower than
100% of the 1588 Companies
in the Global Software - Application industry.

( Industry Median: 66.91 vs. ACRT: 876.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
ACRT' s Days Sales Outstanding Range Over the Past 10 Years
Min: 8.11  Med: 26.87 Max: 876
Current: 876
8.11
876

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -25.50
ACRT's 3-Year Average Share Buyback Ratio is ranked lower than
86% of the 1345 Companies
in the Global Software - Application industry.

( Industry Median: -3.00 vs. ACRT: -25.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ACRT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -25.5  Med: -13.65 Max: -6.7
Current: -25.5
-25.5
-6.7

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) % -1.38
ACRT's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 1997 Companies
in the Global Software - Application industry.

( Industry Median: 2.11 vs. ACRT: -1.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ACRT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -46.4  Med: -9.6 Max: -1.17
Current: -1.38
-46.4
-1.17

More Statistics

Revenue (TTM) (Mil) $0.01
EPS (TTM) $ -0.01
Beta1.61
Short Percentage of Float0.00%
52-Week Range $0.07 - 0.60
Shares Outstanding (Mil)56.71

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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