- The report contains detailed information about Netspend Holdings, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Netspend Holdings, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Netspend Holdings, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Netspend Holdings, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Netspend Holdings, Inc. business.
About Netspend Holdings, Inc.
NetSpend Holdings, Inc. provides general-purpose reloadable prepaid debit cards (GPR) cards, and related alternative financial services to underbanked consumers in the U.S.
Products and Services
As of March 31, 2010, the company provided GPR cards in the U.S., with approximately 2.1 million active cards. Its GPR card represents the equivalent of a bank account for underbanked consumers and is marketed through its network of retail distributors, its direct-to-consumer mail and online marketing programs and corporate employers as an alternative method of wage payment. Its GPR cards can be used to make purchase transactions at any merchant that participates in the MasterCard, Visa or PULSE network and withdraw funds at participating ATMs.
Funds may be loaded onto the GPR cards the company markets through its retail distributors and its direct-to-consumer and online marketing programs by a cardholder reloading GPR card at a retail location within its distribution and reload network; direct deposit of wages, government benefits or tax refunds; a cardholder from bank debit card through its online banking portal; and electronic transfer by a third party.
Additional Products and Services
The company provides a suite of products and services to its cardholders, including direct deposit, MetaBank's iAdvance line of credit, overdraft protection through its issuing banks, complimentary insurance coverage, and various bill payment options. Its cardholders also have the ability to transfer funds to other cardholders and deposit a portion of their funds into an interest-bearing savings account linked to their GPR cards. The company also provides certain cardholders with a cushion, which allows them to overdraw their card accounts without a fee. Its Web site allows its cardholders to access their account information and manage their budgets through its personal finance management tools. Its interactive voice response systems also provide account information and allow cardholders to activate their accounts and perform a range of transaction activities, such as card-to-card transfers of funds. The company also provides its cardholders with a text message service that automatically sends balance and transaction information to enrolled cardholders' mobile phones, and also allows them to interact with their account by sending text messages to NetSpend. In addition to GPR cards, the company provides gift cards.
The companys long-term relationships include alternative financial services providers, such as ACE Cash Express, Advance America, Cash America International, Community Financial Service Center and Check City, grocery and convenience stores, such as H-E-B, Speedway, Murphy Oil and Winn-Dixie, and tax preparation service providers, such as Liberty Tax Service.
The company also markets its GPR cards through grocery and convenience stores and other traditional retailers, such as H-E-B, Speedway, Murphy Oil and Winn-Dixie. Retailers that offer various non-bank financial services, such as H-E-B and Winn-Dixie, market its GPR cards at a service desk.
The company also markets its GPR cards through tax preparation service providers, such as Liberty Tax Service, non-standard auto insurance carriers, such as The General, and retail agents of non-standard auto insurance carriers, such as Reliant General Insurance Services and Aggressive Insurance.
The corporate employers through which the company markets its GPR cards include Kohl's, Macy's, TravelCenters of America, Church's Chicken, Starwood Hotels & Resorts Worldwide, and Hospital Corporation of America.
The companys reload network consist of the alternative financial services provider locations and traditional retail locations that market its GPR cards, as well as all MoneyGram and Western Union agent locations and all Safeway grocery stores. In addition, in 2009, it entered into a contractual relationship with Interactive Communications International, or InComm, to offer reload services through certain InComm agents.
The company directly competes with Green Dot Corporation, Account Now, Inc., Blackhawk Network Inc., First Data Corporation, Total System Services, Inc., and Galileo Processing, Inc.
NetSpend Holdings, Inc. was founded in 1999.
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1. NETSPEND HOLDINGS, INC. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. NETSPEND HOLDINGS, INC. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. NETSPEND HOLDINGS, INC. SWOT ANALYSIS
4. NETSPEND HOLDINGS, INC. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. NETSPEND HOLDINGS, INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Netspend Holdings, Inc. Direct Competitors
5.2. Comparison of Netspend Holdings, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Netspend Holdings, Inc. and Direct Competitors Stock Charts
5.4. Netspend Holdings, Inc. Industry Analysis
5.4.1. Financial Services Industry Snapshot
5.4.2. Netspend Holdings, Inc. Industry Position Analysis
6. NETSPEND HOLDINGS, INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. NETSPEND HOLDINGS, INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. NETSPEND HOLDINGS, INC. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. NETSPEND HOLDINGS, INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. NETSPEND HOLDINGS, INC. PORTER FIVE FORCES ANALYSIS2
12. NETSPEND HOLDINGS, INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Netspend Holdings, Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Netspend Holdings, Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Netspend Holdings, Inc. Major Shareholders
Netspend Holdings, Inc. History
Netspend Holdings, Inc. Products
Revenues by Segment
Revenues by Region
Netspend Holdings, Inc. Offices and Representations
Netspend Holdings, Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Netspend Holdings, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Netspend Holdings, Inc. Capital Market Snapshot
Netspend Holdings, Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Financial Services Industry Statistics
Netspend Holdings, Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Netspend Holdings, Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Netspend Holdings, Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Netspend Holdings, Inc. 1-year Stock Charts
Netspend Holdings, Inc. 5-year Stock Charts
Netspend Holdings, Inc. vs. Main Indexes 1-year Stock Chart
Netspend Holdings, Inc. vs. Direct Competitors 1-year Stock Charts
Netspend Holdings, Inc. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?