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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 : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
PYDS's Cash-to-Debt is ranked higher than
98% of the 701 Companies
in the Global Business Services industry.

( Industry Median: 1.28 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 0.15
PYDS's Equity-to-Asset is ranked lower than
92% of the 684 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. PYDS: 0.15 )
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: 0.15
-3.58
0.89
Interest Coverage No Debt
PYDS's Interest Coverage is ranked higher than
98% of the 608 Companies
in the Global Business Services industry.

( Industry Median: 24.33 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: -0.81
Beneish M-Score: -2.92
WACC vs ROIC
12.37%
-32.84%
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 % -14.03
PYDS's Operating Margin % is ranked lower than
87% of the 690 Companies
in the Global Business Services industry.

( Industry Median: 5.95 vs. PYDS: -14.03 )
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: -14.03
-56.31
18.94
Net Margin % -12.45
PYDS's Net Margin % is ranked lower than
84% of the 691 Companies
in the Global Business Services industry.

( Industry Median: 3.91 vs. PYDS: -12.45 )
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: -12.45
-56.7
28.65
ROE % -15.76
PYDS's ROE % is ranked lower than
84% of the 667 Companies
in the Global Business Services industry.

( Industry Median: 8.66 vs. PYDS: -15.76 )
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: -15.76
-56.82
147.59
ROA % -2.38
PYDS's ROA % is ranked lower than
77% of the 705 Companies
in the Global Business Services industry.

( Industry Median: 3.48 vs. PYDS: -2.38 )
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: -2.38
-353.96
25.33
ROC (Joel Greenblatt) % -54.81
PYDS's ROC (Joel Greenblatt) % is ranked lower than
87% of the 691 Companies
in the Global Business Services industry.

( Industry Median: 22.74 vs. PYDS: -54.81 )
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: -54.81
-4206.9
10657.14
3-Year Revenue Growth Rate 24.30
PYDS's 3-Year Revenue Growth Rate is ranked higher than
81% of the 550 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
74% of the 476 Companies
in the Global Business Services industry.

( Industry Median: 5.60 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 2 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
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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 was founded in July 1998 and incorporated in the State of Nevada. The Company's main operations consist of functioning as a processor of electronic payments for other companies. It provides integrated electronic payment processing services to merchants and businesses, including all types of Automated Clearinghouse processing and credit and debit card-based processing services. It provides integrated electronic payment services, including credit and debit card-based processing services and transaction processing via the automated clearinghouse 'ACH' network to billers and retailers. In addition, the Company operates an Internet electronic payment processing service for consumers under the domain name www.billx.com. The Automated Clearinghouse Network is a nationwide electronic funds transfer system that is regulated by the Federal Reserve and provides for the clearing of electronic payments between participating financial institutions. Its Automated Clearinghouse processing services enable merchants or businesses to both disburse and collect funds electronically using e-checks to transfer funds instead of traditional paper checks. The Company's card-based processing services enable merchants to process both traditional card-present, or 'swipe,' transactions, as well as card-not-present transactions. A traditional card-present transaction occurs whenever a cardholder physically presents a credit or debit card to a merchant at the point-of-sale. Its electronic payment processing might take place in different forms and situations. The Company also operates an online payment processing service for consumers under the domain name www.billx.com through which consumers could pay anyone. Payment Data operates solely in the United States as a single operating segment. The Company's service offerings are supported by its systems infrastructure that integrates certain proprietary components with processing systems outsourced to third-party providers to offer its customers a flexible and secure payment process. Its service offerings are supported by its systems infrastructure that integrates certain proprietary components with processing systems outsourced to third-party providers to offer its customers a flexible and secure payment process. Its main market focus is on companies generating volumes of electronic payment transactions. The Company's customers are consumers geographically dispersed throughout the United States utilizing its billx.com Internet bill payment service on a recurring monthly basis to pay household bills. The payment processing industry is very competitive. Many small and large companies compete with the Company in providing payment processing services and related services to a range of merchants. It competes with transaction processors, including First Data Merchant Services Corporation, National Processing Company, and Payments Inc. that serve from large to small merchants and provide banking,

Top Ranked Articles about Payment Data Systems Inc

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 1.86
PYDS's PB Ratio is ranked higher than
59% of the 661 Companies
in the Global Business Services industry.

( Industry Median: 2.29 vs. PYDS: 1.86 )
Ranked among companies with meaningful PB Ratio only.
PYDS' s PB Ratio Range Over the Past 10 Years
Min: 1.57  Med: 9.95 Max: 286.67
Current: 1.86
1.57
286.67
PS Ratio 0.94
PYDS's PS Ratio is ranked higher than
59% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 1.22 vs. PYDS: 0.94 )
Ranked among companies with meaningful PS Ratio only.
PYDS' s PS Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.62 Max: 4.18
Current: 0.94
0.5
4.18
Price-to-Free-Cash-Flow 31.57
PYDS's Price-to-Free-Cash-Flow is ranked higher than
59% of the 326 Companies
in the Global Business Services industry.

( Industry Median: 20.27 vs. PYDS: 31.57 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PYDS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.2  Med: 11.85 Max: 75
Current: 31.57
0.2
75
Price-to-Operating-Cash-Flow 18.28
PYDS's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 391 Companies
in the Global Business Services industry.

( Industry Median: 12.71 vs. PYDS: 18.28 )
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: 10.63 Max: 375
Current: 18.28
0.2
375
EV-to-EBIT -7.85
PYDS's EV-to-EBIT is ranked lower than
99.99% of the 707 Companies
in the Global Business Services industry.

( Industry Median: 16.41 vs. PYDS: -7.85 )
Ranked among companies with meaningful EV-to-EBIT only.
PYDS' s EV-to-EBIT Range Over the Past 10 Years
Min: -113.4  Med: -3.8 Max: 121.4
Current: -7.85
-113.4
121.4
EV-to-EBITDA -17.58
PYDS's EV-to-EBITDA is ranked lower than
99.99% of the 747 Companies
in the Global Business Services industry.

( Industry Median: 12.32 vs. PYDS: -17.58 )
Ranked among companies with meaningful EV-to-EBITDA only.
PYDS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -395.1  Med: -3.9 Max: 134.8
Current: -17.58
-395.1
134.8
Shiller PE Ratio 33.33
PYDS's Shiller PE Ratio is ranked lower than
97% of the 148 Companies
in the Global Business Services industry.

( Industry Median: 28.90 vs. PYDS: 33.33 )
Ranked among companies with meaningful Shiller PE Ratio only.
PYDS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 30.93  Med: 96.88 Max: 257
Current: 33.33
30.93
257
Current Ratio 1.09
PYDS's Current Ratio is ranked lower than
79% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 1.57 vs. PYDS: 1.09 )
Ranked among companies with meaningful Current Ratio only.
PYDS' s Current Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.95 Max: 8.04
Current: 1.09
0.13
8.04
Quick Ratio 1.09
PYDS's Quick Ratio is ranked lower than
72% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. PYDS: 1.09 )
Ranked among companies with meaningful Quick Ratio only.
PYDS' s Quick Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.95 Max: 8.04
Current: 1.09
0.13
8.04
Days Sales Outstanding 26.64
PYDS's Days Sales Outstanding is ranked higher than
82% of the 524 Companies
in the Global Business Services industry.

( Industry Median: 59.50 vs. PYDS: 26.64 )
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: 26.64
10.34
41.22
Days Payable 10.58
PYDS's Days Payable is ranked lower than
90% of the 440 Companies
in the Global Business Services industry.

( Industry Median: 39.89 vs. PYDS: 10.58 )
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: 10.58
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
75% of the 396 Companies
in the Global Business Services industry.

( Industry Median: -1.50 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 3.76
PYDS's Price-to-Net-Current-Asset-Value is ranked higher than
68% of the 307 Companies
in the Global Business Services industry.

( Industry Median: 5.41 vs. PYDS: 3.76 )
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: 3.76
3.11
60
Price-to-Tangible-Book 1.88
PYDS's Price-to-Tangible-Book is ranked higher than
63% of the 524 Companies
in the Global Business Services industry.

( Industry Median: 2.75 vs. PYDS: 1.88 )
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: 1.88
1.6
150
Price-to-Intrinsic-Value-Projected-FCF 0.14
PYDS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
99% of the 339 Companies
in the Global Business Services industry.

( Industry Median: 1.45 vs. PYDS: 0.14 )
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: 0.43 Max: 24
Current: 0.14
0.09
24
Price-to-Median-PS-Value 0.59
PYDS's Price-to-Median-PS-Value is ranked higher than
91% of the 543 Companies
in the Global Business Services industry.

( Industry Median: 1.12 vs. PYDS: 0.59 )
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: 0.38  Med: 1.26 Max: 55.9
Current: 0.59
0.38
55.9
Earnings Yield (Greenblatt) % -12.76
PYDS's Earnings Yield (Greenblatt) % is ranked lower than
89% of the 888 Companies
in the Global Business Services industry.

( Industry Median: 5.13 vs. PYDS: -12.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PYDS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -14.06  Med: 6.15 Max: 2039
Current: -12.76
-14.06
2039

More Statistics

Revenue (TTM) (Mil) $11.66
EPS (TTM) $ -0.18
Beta1.69
Short Percentage of Float1.32%
52-Week Range $1.01 - 3.80
Shares Outstanding (Mil)11.83
» More Articles for PYDS

Headlines

Articles On GuruFocus.com
Payment Data Systems Announces Board of Director Appointment May 11 2017 
Payment Data Systems to Report First Quarter 2017 Results May 11 2017 
Payment Data Systems Announces Intent to Acquire Singular Payments, LLC Mar 13 2017 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 105,200 Shares Mar 01 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 28,000 Shares Feb 25 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 100,000 Shares Feb 15 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 2,000 Shares Feb 10 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 10,000 Shares Jan 26 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 104,460 Shares Jan 19 2011 
(PYDS) President & COO, 10% Owner Louis A Hoch sells 70,000 Shares Jan 11 2011 

More From Other Websites
ETFs with exposure to Payment Data Systems, Inc. : May 22, 2017 May 22 2017
Edited Transcript of PYDS earnings conference call or presentation 15-May-17 9:00pm GMT May 21 2017
Payment Data Systems, Inc. :PYDS-US: Earnings Analysis: Q1, 2017 By the Numbers : May 19, 2017 May 19 2017
Payment Data Systems Announces First Quarter Results May 15 2017
Payment Data Systems Announces Board of Director Appointment May 11 2017
Payment Data Systems to Report First Quarter 2017 Results May 11 2017
ETFs with exposure to Payment Data Systems, Inc. : April 10, 2017 Apr 10 2017
Payment Data Systems (PYDS) Reports Financials, Stock Responds Positively Apr 10 2017
Payment Data Systems, Inc. :PYDS-US: Earnings Analysis: Q4, 2016 By the Numbers : April 7, 2017 Apr 07 2017
Payment Data Systems Announces Fourth Quarter and Year End 2016 Results Mar 31 2017
Payment Data Systems to Report Fourth Quarter and Full Year 2016 Results Mar 29 2017
Local finance company to acquire Florida tech startup Mar 15 2017
Payment Data Systems Announces Intent to Acquire Singular Payments, LLC Mar 13 2017
Payment Data Systems Targeting Growth in 2017 Jan 30 2017
ETFs with exposure to Payment Data Systems, Inc. : January 20, 2017 Jan 20 2017
Payment Data Systems' CFO resigns, board member steps into role Jan 11 2017
Payment Data Systems (PYDS) a Small Cap FinTech Growth Opportunity Dec 19 2016
Payment Data Systems, Inc. :PYDS-US: Earnings Analysis: Q3, 2016 By the Numbers : November 21, 2016 Nov 21 2016

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