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Also traded in: Germany

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
98% of the 708 Companies
in the Global Business Services industry.

( Industry Median: 1.37 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 0.14
PYDS's Equity-to-Asset is ranked lower than
92% of the 690 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. PYDS: 0.14 )
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: 0.14
-3.58
0.89
Interest Coverage No Debt
PYDS's Interest Coverage is ranked higher than
97% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 23.92 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
Piotroski F-Score: 4
Altman Z-Score: -0.77
Beneish M-Score: -2.89
WACC vs ROIC
10.19%
-34.36%
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 : 5/10

vs
industry
vs
history
Operating Margin % -15.29
PYDS's Operating Margin % is ranked lower than
90% of the 701 Companies
in the Global Business Services industry.

( Industry Median: 5.58 vs. PYDS: -15.29 )
Ranked among companies with meaningful Operating Margin % only.
PYDS' s Operating Margin % Range Over the Past 10 Years
Min: -56.31  Med: -12.93 Max: 18.94
Current: -15.29
-56.31
18.94
Net Margin % -14.40
PYDS's Net Margin % is ranked lower than
89% of the 701 Companies
in the Global Business Services industry.

( Industry Median: 3.61 vs. PYDS: -14.40 )
Ranked among companies with meaningful Net Margin % only.
PYDS' s Net Margin % Range Over the Past 10 Years
Min: -56.7  Med: -12.57 Max: 28.65
Current: -14.4
-56.7
28.65
ROE % -18.04
PYDS's ROE % is ranked lower than
88% of the 681 Companies
in the Global Business Services industry.

( Industry Median: 8.17 vs. PYDS: -18.04 )
Ranked among companies with meaningful ROE % only.
PYDS' s ROE % Range Over the Past 10 Years
Min: -56.82  Med: 52.68 Max: 147.59
Current: -18.04
-56.82
147.59
ROA % -2.60
PYDS's ROA % is ranked lower than
79% of the 712 Companies
in the Global Business Services industry.

( Industry Median: 3.29 vs. PYDS: -2.60 )
Ranked among companies with meaningful ROA % only.
PYDS' s ROA % Range Over the Past 10 Years
Min: -353.96  Med: -3.29 Max: 25.33
Current: -2.6
-353.96
25.33
ROC (Joel Greenblatt) % -56.59
PYDS's ROC (Joel Greenblatt) % is ranked lower than
87% of the 701 Companies
in the Global Business Services industry.

( Industry Median: 20.87 vs. PYDS: -56.59 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
PYDS' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -4206.9  Med: -377.25 Max: 10657.14
Current: -56.59
-4206.9
10657.14
3-Year Revenue Growth Rate 24.30
PYDS's 3-Year Revenue Growth Rate is ranked higher than
89% of the 614 Companies
in the Global Business Services industry.

( Industry Median: 4.50 vs. PYDS: 24.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PYDS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -48.5  Med: 23 Max: 121.2
Current: 24.3
-48.5
121.2
3-Year EBITDA Growth Rate -19.20
PYDS's 3-Year EBITDA Growth Rate is ranked lower than
85% of the 544 Companies
in the Global Business Services industry.

( Industry Median: 4.50 vs. PYDS: -19.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PYDS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -61.5  Med: -28.3 Max: 80.5
Current: -19.2
-61.5
80.5
GuruFocus has detected 3 Warning Signs with Payment Data Systems Inc PYDS.
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» PYDS's 30-Y Financials

Financials


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

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Business Description

Industry: Business Services » Business Services    NAICS: 522320    SIC: 6099
Compare:OTCPK:CCGI, HKSE:08411, LSE:PCIP, LSE:SECG, OTCPK:MDCL, TSE:4351, PHS:I, XPAR:MLOEX, LSE:NSH, TSE:6193, XAMS:TIE, TSE:3719, TSE:7946, BKK:QLT, OTCPK:TPNL, TSE:9780, ASX:CV1, HKSE:08013, HKSE:01094, ROCO:8921 » details
Traded in other countries:BLL2.Germany,
Headquarter Location:USA
Payment Data Systems Inc is engaged in providing integrated payment solutions. It offers range of customised services to merchants, billers, banks, service bureaus and card issuers.

Payment Data Systems Inc is engaged in providing integrated payment solutions. It offers range of customised services to merchants, billers, banks, service bureaus and card issuers.

Top Ranked Articles about Payment Data Systems Inc

Payment Data Systems Announces the Availability of Same Day ACH Debits
Payment Data Systems and Akimbo Waive Gift Card Purchase Fees for Supporters of Hurricane Harvey and Irma Victims
Payment Data Systems Acquires Singular Payments, LLC
Payment Data Systems Announces the Pending Closing of the   Singular Payments, LLC Acquisition
Payment Data Systems to Report Second Quarter 2017 Results
Payment Data Systems Announces Update on the Acquisition of Singular Payments, LLC
Payment Data Systems Announces Amendment to Letter of Intent to Acquire Singular Payments, LLC
Payment Data Systems Announces Board of Director Appointment
Payment Data Systems to Report First Quarter 2017 Results
Payment Data Systems Announces Intent to Acquire Singular Payments, LLC

SAN ANTONIO, March 13, 2017 (GLOBE NEWSWIRE) -- Payment Data Systems (NASDAQ:PYDS), an integrated electronic payment solutions provider, today announced that it has entered into a non-binding Letter of Intent to acquire Singular Payments, LLC (“Singular”).
Singular Payments is a Fintech payments provider that relies upon innovative technology to process payments for merchants in healthcare and other niche verticals nationwide.  Singular is primarily focused on custom software integrations of their flat rate payment processing offerings and their proprietary, simple-to-use electronic bill presentment and payment (EBPP) platform which allows merchants to streamline the costly and labor intensive process of invoicing and collection.  Singular’s success in sales and marketing has occurred through its team’s vast experience in the payments industry and its innovation in delivering a simple, flat rate pricing model which saves merchants both time and money when accepting credit and debit payments. Founded in 2009, and led by industry veteran and visionary, Vaden Landers, the company has quickly grown and in 2016, processed over 2.5 million transactions worth over $440 million in transaction dollars. Louis Hoch, President and CEO of Payment Data Systems stated, “I believe this important acquisition will quickly accelerate the growth potential of our company and broaden our revenue streams.  We intend to leverage the proven sales channel and technology that Vaden and his team have built to better position us for the future.  We are thrilled to welcome Vaden and his team to the PDS family.  We believe this transaction is in alignment with our growth strategy and should provide enhanced value to our shareholders.” Vaden Landers, CEO of Singular Payments said, “Our goal has always been to deliver a revolutionary, value-added payment solution to the merchant community, and the fact that we’ve recently completed development on, and released, our EBPP platform into healthcare and other bill pay intensive industries, enhances our overall value proposition.” Landers went on to say, “The coming together of Singular Payments and Payment Data Systems will position the combined company to properly leverage our collective leadership talent, technology, client and vendor relationships, and market upside to scale quickly and drive shareholder value.” Payment Data Systems is represented by the firm Schwartz Heslin Group of New York in conjunction with this transaction. Singular Payments has agreed to work with Payment Data Systems on an exclusive basis until the transaction is consummated or terminated. Details of the transaction are not being disclosed at this time, but the transaction is contingent on the successful outcome of due diligence and the payment of stock and cash of an undisclosed amount from Payment Data to the shareholders of Singular Payments. About Payment Data Systems, Inc. Payment Data Systems (NASDAQ:PYDS), a leading integrated payment solutions provider, offers a wide range of payment solutions to merchants, billers, banks, service bureaus, and card issuers. The Company operates credit, debit/prepaid and ACH payment processing platforms to deliver convenient, world-class payment solutions and service to their clients. The strength of the Company lies in its ability to provide tailored solutions for card issuance, payment acceptance, and bill payments as well as its unique technology in the prepaid sector.  Payment Data is headquartered in San Antonio, Texas, and has offices in New York, New York; and Long Beach, California.  For additional information please visit www.paymentdata.com. Websites:  www.akimbocard.com and www.ficentive.com. Find us on Facebook®. About Singular Payments, LLC Singular Payments, LLC, is the only truly flat rate merchant services provider offering custom software integrations, electronic bill presentment and payment through their Singular BillPAY platform, and credit card processing service to merchants nationwide. Call (877) 829-2170 for a free software integration evaluation or merchant services savings analysis. Or visit online at SingularPayments.com to learn more. FORWARD-LOOKING STATEMENTS DISCLAIMER Except for the historical information contained herein, the matters discussed in this release include certain forward-looking statements, which are covered by safe harbors. Those statements include, but may not be limited to, all statements regarding management’s intent, belief and expectations, such as statements concerning the acquisition of Singular Payments, our future and our operating and growth strategy. These forward-looking statements are identified by the use of words such as “believe,” “intend” and “expect” among others. Forward-looking statements in this press release are subject to certain risks and uncertainties inherent in the Company’s business that could cause actual results to vary, including such risks related to the closing of the proposed Singular acquisition, the realization of the anticipated opportunities from the proposed Singular acquisition, the management of the Company’s growth, the loss of key resellers, the relationships with the Automated Clearinghouse network, bank sponsors, third-party card processing providers and merchants, the security of our software, hardware and information, and compliance with complex federal, state and local laws and regulations, and other risks detailed from time to time in the Company’s filings with the Securities and Exchange Commission including its annual report on Form 10-K for the fiscal year ended December 31, 2015. One or more of these factors have affected, and in the future could affect our businesses and financial results in the future and could cause actual results to differ materially from plans and projections. We believe that the assumptions underlying the forward-looking statements included in this release will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements included herein, the inclusion of such information should not be regarded as a representation by us or any other person that our objectives and plans will be achieved. All forward-looking statements made in this release are based on information presently available to our management. We assume no obligation to update any forward-looking statements, except as required by law.
Investor Contact:

Allyson Pooley
Financial Profiles
[email protected]

Read more...

Ratios

vs
industry
vs
history
PB Ratio 2.00
PYDS's PB Ratio is ranked higher than
54% of the 674 Companies
in the Global Business Services industry.

( Industry Median: 2.43 vs. PYDS: 2.00 )
Ranked among companies with meaningful PB Ratio only.
PYDS' s PB Ratio Range Over the Past 10 Years
Min: 1.57  Med: 9.07 Max: 286.67
Current: 2
1.57
286.67
PS Ratio 1.05
PYDS's PS Ratio is ranked higher than
54% of the 685 Companies
in the Global Business Services industry.

( Industry Median: 1.35 vs. PYDS: 1.05 )
Ranked among companies with meaningful PS Ratio only.
PYDS' s PS Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.57 Max: 4.18
Current: 1.05
0.5
4.18
Price-to-Operating-Cash-Flow 57.60
PYDS's Price-to-Operating-Cash-Flow is ranked lower than
97% of the 382 Companies
in the Global Business Services industry.

( Industry Median: 14.09 vs. PYDS: 57.60 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PYDS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.2  Med: 11.18 Max: 375
Current: 57.6
0.2
375
EV-to-EBIT -7.93
PYDS's EV-to-EBIT is ranked lower than
99.99% of the 537 Companies
in the Global Business Services industry.

( Industry Median: 16.30 vs. PYDS: -7.93 )
Ranked among companies with meaningful EV-to-EBIT only.
PYDS' s EV-to-EBIT Range Over the Past 10 Years
Min: -113.4  Med: -3.7 Max: 121.4
Current: -7.93
-113.4
121.4
EV-to-EBITDA -16.72
PYDS's EV-to-EBITDA is ranked lower than
99.99% of the 572 Companies
in the Global Business Services industry.

( Industry Median: 12.34 vs. PYDS: -16.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
PYDS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -395.1  Med: -3.7 Max: 134.8
Current: -16.72
-395.1
134.8
EV-to-Revenue 1.22
PYDS's EV-to-Revenue is ranked higher than
50% of the 682 Companies
in the Global Business Services industry.

( Industry Median: 1.39 vs. PYDS: 1.22 )
Ranked among companies with meaningful EV-to-Revenue only.
PYDS' s EV-to-Revenue Range Over the Past 10 Years
Min: -6.4  Med: 1.1 Max: 3.7
Current: 1.22
-6.4
3.7
Shiller PE Ratio 62.54
PYDS's Shiller PE Ratio is ranked lower than
87% of the 159 Companies
in the Global Business Services industry.

( Industry Median: 29.52 vs. PYDS: 62.54 )
Ranked among companies with meaningful Shiller PE Ratio only.
PYDS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 31.25  Med: 70.75 Max: 257
Current: 62.54
31.25
257
Current Ratio 1.08
PYDS's Current Ratio is ranked lower than
78% of the 676 Companies
in the Global Business Services industry.

( Industry Median: 1.59 vs. PYDS: 1.08 )
Ranked among companies with meaningful Current Ratio only.
PYDS' s Current Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.96 Max: 8.04
Current: 1.08
0.13
8.04
Quick Ratio 1.08
PYDS's Quick Ratio is ranked lower than
70% of the 676 Companies
in the Global Business Services industry.

( Industry Median: 1.47 vs. PYDS: 1.08 )
Ranked among companies with meaningful Quick Ratio only.
PYDS' s Quick Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.96 Max: 8.04
Current: 1.08
0.13
8.04
Days Sales Outstanding 28.44
PYDS's Days Sales Outstanding is ranked higher than
82% of the 552 Companies
in the Global Business Services industry.

( Industry Median: 60.41 vs. PYDS: 28.44 )
Ranked among companies with meaningful Days Sales Outstanding only.
PYDS' s Days Sales Outstanding Range Over the Past 10 Years
Min: 10.34  Med: 23.73 Max: 41.22
Current: 28.44
10.34
41.22
Days Payable 6.34
PYDS's Days Payable is ranked lower than
89% of the 454 Companies
in the Global Business Services industry.

( Industry Median: 38.83 vs. PYDS: 6.34 )
Ranked among companies with meaningful Days Payable only.
PYDS' s Days Payable Range Over the Past 10 Years
Min: 1.5  Med: 9.61 Max: 23.69
Current: 6.34
1.5
23.69

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -9.60
PYDS's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 454 Companies
in the Global Business Services industry.

( Industry Median: -1.70 vs. PYDS: -9.60 )
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: -10.9 Max: -0.3
Current: -9.6
-48.4
-0.3

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 4.11
PYDS's Price-to-Net-Current-Asset-Value is ranked higher than
62% of the 338 Companies
in the Global Business Services industry.

( Industry Median: 6.84 vs. PYDS: 4.11 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
PYDS' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 3.11  Med: 13.26 Max: 60
Current: 4.11
3.11
60
Price-to-Tangible-Book 2.00
PYDS's Price-to-Tangible-Book is ranked higher than
58% of the 523 Companies
in the Global Business Services industry.

( Industry Median: 2.91 vs. PYDS: 2.00 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PYDS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.6  Med: 7.94 Max: 150
Current: 2
1.6
150
Price-to-Intrinsic-Value-Projected-FCF 0.15
PYDS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
99% of the 344 Companies
in the Global Business Services industry.

( Industry Median: 1.51 vs. PYDS: 0.15 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PYDS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.41 Max: 24
Current: 0.15
0.09
24
Price-to-Median-PS-Value 0.67
PYDS's Price-to-Median-PS-Value is ranked higher than
82% of the 598 Companies
in the Global Business Services industry.

( Industry Median: 1.15 vs. PYDS: 0.67 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PYDS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.4  Med: 1.3 Max: 447.12
Current: 0.67
0.4
447.12
Earnings Yield (Greenblatt) % -12.62
PYDS's Earnings Yield (Greenblatt) % is ranked lower than
89% of the 707 Companies
in the Global Business Services industry.

( Industry Median: 4.52 vs. PYDS: -12.62 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PYDS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -332  Med: -14 Max: 2039
Current: -12.62
-332
2039

More Statistics

Revenue (TTM) (Mil) $11.32
EPS (TTM) $ -0.19
Beta1.31
Short Percentage of Float0.34%
52-Week Range $1.17 - 2.94
Shares Outstanding (Mil)11.79

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 11 12
EPS ($) -0.17 -0.13
EPS without NRI ($) -0.17 -0.13
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: 44
Positive ROAN
Positive CFROAY
Higher ROA yoyN
CFROA > ROAY
Lower Leverage yoyY
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyY

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