- The report contains detailed information about Prepaid Card 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 Prepaid Card 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 Prepaid Card 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 Prepaid Card 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 Prepaid Card Holdings, Inc. business.
About Prepaid Card Holdings, Inc.
Prepaid Card Holdings, Inc., through its wholly owned subsidiary, Merchant Processing International, Inc. (doing business as Bank Freedom), engages in marketing and management of general use prepaid cards.
The company offers various prepaid card programs, including the Bank Freedom Prepaid MasterCard and the Bank Freedom Prepaid Visa Card, for consumers; the Bank Freedom MasterCard Prepaid Expense Card for businesses to manage, control, and track employee spending; and the Bank Freedom Payroll MasterCard for businesses to eliminate issuing paper paychecks and pay employee wages with a payroll card. It is also the program manager for the AFSCME Advantage Prepaid MasterCard program. AFSCME is a 1.6 million member Union (American Federation of State, County, and Municipal Employees).
The companys prepaid debit cards work as a bank account plus a MasterCard or Visa debit card to make purchases. Customers can load money and fund their Bank Freedom card accounts in multiple ways. They can direct deposit their paycheck or government issued benefits checks, deposit cash to their card accounts at cash load retailers nationwide, or transfer money from one Bank Freedom card account to another Bank Freedom card account. Once its customers deposit funds to their card account they can use their prepaid debit card anywhere MasterCard or Visa debit is accepted to make purchases and at approximately 1,000,000 ATMs worldwide for cash access. Customers can log on to its cardholder website to check their account balance, transfer funds, and use its bill payment system to pay bills electronically or send paper checks to anyone.
Types of Prepaid Cards
The companys card products include various types of prepaid card:
General Purpose Reloadable (GPR) Cards - These cards intended for the underbanked consumer, its target demographic is one that would set up direct deposit of their pay check and use their prepaid MasterCard or Visa Card for day to day purchases and as a bill payment solution.
Private Label co-branded Card Programs - With the companys Internet presence, it is issuing private label co-branded prepaid cards.
Business Travel and Expense Cards The company also offers business travel and expense cards.
Payroll Cards - These cards introduced to employees by their employers, the Bank Freedom Payroll MasterCard is identical to its GPR product. The program offers businesses of various sizes a paperless solution for payroll to their underbanked employees.
Cash Reloading Agreement
The company has an agreement with Green Dot to provide cash loading services for card programs managed by it. Green Dot offered the company branding on its point of purchase displays nationally. Green Dot has point of purchase displays in Walgreens, K-Mart, and CVS/Pharmacy locations throughout the US.
The companys competitors include All Access (Net Spend), Green Dot, RushCard, Western Union, AccountNow, Ready Debit, and Vision.
Prepaid Card Holdings, Inc. was founded in 1986.
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1. PREPAID CARD 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. PREPAID CARD 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. PREPAID CARD HOLDINGS, INC. SWOT ANALYSIS
4. PREPAID CARD 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. PREPAID CARD HOLDINGS, INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Prepaid Card Holdings, Inc. Direct Competitors
5.2. Comparison of Prepaid Card Holdings, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Prepaid Card Holdings, Inc. and Direct Competitors Stock Charts
5.4. Prepaid Card Holdings, Inc. Industry Analysis
5.4.1. Financial Services Industry Snapshot
5.4.2. Prepaid Card Holdings, Inc. Industry Position Analysis
6. PREPAID CARD HOLDINGS, INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. PREPAID CARD HOLDINGS, INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. PREPAID CARD 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. PREPAID CARD HOLDINGS, INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. PREPAID CARD HOLDINGS, INC. PORTER FIVE FORCES ANALYSIS2
12. PREPAID CARD HOLDINGS, INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Prepaid Card Holdings, Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Prepaid Card Holdings, Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Prepaid Card Holdings, Inc. Major Shareholders
Prepaid Card Holdings, Inc. History
Prepaid Card Holdings, Inc. Products
Revenues by Segment
Revenues by Region
Prepaid Card Holdings, Inc. Offices and Representations
Prepaid Card 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
Prepaid Card Holdings, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Prepaid Card Holdings, Inc. Capital Market Snapshot
Prepaid Card 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
Prepaid Card 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
Prepaid Card 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
Prepaid Card 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
Prepaid Card Holdings, Inc. 1-year Stock Charts
Prepaid Card Holdings, Inc. 5-year Stock Charts
Prepaid Card Holdings, Inc. vs. Main Indexes 1-year Stock Chart
Prepaid Card Holdings, Inc. vs. Direct Competitors 1-year Stock Charts
Prepaid Card 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.
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
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?