- The report contains detailed information about Payment Data Systems 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 Payment Data Systems 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 Payment Data Systems 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 Payment Data Systems 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 Payment Data Systems Inc. business.
About Payment Data Systems Inc.
Payment Data Systems, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses. The company provides automated clearinghouse processing and credit and debit card-based processing services.
The company's 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 card-based processing services enable merchants to process both traditional card-present, or swipe, transactions, as well as card-not-present transactions. The company also operates an online payment processing service for consumers under the domain name www.billx.com through which consumers can pay anyone.
Products and Services
The companys service offerings are supported by its systems infrastructure that integrates certain proprietary components with processing systems outsourced to third-party providers. Its systems provide for interfaces with its customers through which payment data is captured electronically and transferred through the connections it has with its processing providers. Its systems provide for interfaces with its customers through which payment data is captured electronically and transferred through the connections it has with its processing providers. The companys systems also provide a data warehousing capability. It outsources its Automated Clearinghouse transaction processing and card-based transaction processing to third-party providers. Its card-based processing system is capable of connecting with all of the major card-based processors in the United States.
The components of the companys service offerings include various forms of automated clearinghouse transaction processing, such as re-presented Check, which is a consumer non-sufficient funds check that is re-presented for payment electronically rather than through the paper check collection system; and accounts receivable check conversion, which is a consumer paper check payment that is converted into an e-check.
The companys service offerings also include merchant account services for the processing of card-based transactions through the VISA and MasterCard networks, including online terminal services accessed through a Web site or retail services accessed via a physical terminal. It offers a proprietary Web-based customer service application that combines both Automated Clearinghouse and card processing capabilities and allows companies to process one-time and recurring payments via e-checks or credit cards at the request of their consumers. In addition, it offers an Interactive Voice Response telephone system to companies that accept payments directly from consumers over the telephone using e-checks or credit cards. In addition to these electronic payment services, the company develops and markets prepaid gift cards and personal spending debit cards.
The company has an agreement with MetaPayments Systems, a division of MetaBank, a federally chartered bank, to be its issuing bank for select prepaid debit card programs running on the various card associations and debit networks. It also has an agreement with FSV Payment Systems, a third-party provider, to provide it with backend card processing services for its debit card processing platform. The company is working with MetaPayments to develop a series of gift and personal spending card programs.
The company offers Natalie Gulbis Gift MasterCard program, which features Natalie Gulbis, and intends to develop other debit card programs.
The company also operates a consumer Web site focused on providing bill payment services under the domain name www.billx.com and manages all of the related back-end processing through its own proprietary processing engine. The company also sells this payment portal service as a private label solution to online financial services providers looking to provide online bill payment capabilities as part of their service offering to consumers. It also offers this service to other debit card issuers, as it is able to utilize the bill payment component of this service for payments made through debit cards, a patented process for which it owns a perpetual license.
The company's customers are merchants and businesses that use its automated clearinghouse and/or card-based processing services to provide their consumers with the ability to pay for goods and services without having to use cash or a paper check. During 2009, the companys main customers included Access General Insurance, Protection One, and Agency Insurance.
Payment Data Systems, Inc. was founded in 1998.
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1. PAYMENT DATA SYSTEMS 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. PAYMENT DATA SYSTEMS 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. PAYMENT DATA SYSTEMS INC. SWOT ANALYSIS
4. PAYMENT DATA SYSTEMS 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. PAYMENT DATA SYSTEMS INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Payment Data Systems Inc. Direct Competitors
5.2. Comparison of Payment Data Systems Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Payment Data Systems Inc. and Direct Competitors Stock Charts
5.4. Payment Data Systems Inc. Industry Analysis
5.4.1. Software and Technology Services Industry Snapshot
5.4.2. Payment Data Systems Inc. Industry Position Analysis
6. PAYMENT DATA SYSTEMS INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. PAYMENT DATA SYSTEMS INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. PAYMENT DATA SYSTEMS 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. PAYMENT DATA SYSTEMS INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. PAYMENT DATA SYSTEMS INC. PORTER FIVE FORCES ANALYSIS2
12. PAYMENT DATA SYSTEMS INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Payment Data Systems Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Payment Data Systems Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Payment Data Systems Inc. Major Shareholders
Payment Data Systems Inc. History
Payment Data Systems Inc. Products
Revenues by Segment
Revenues by Region
Payment Data Systems Inc. Offices and Representations
Payment Data Systems 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
Payment Data Systems Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Payment Data Systems Inc. Capital Market Snapshot
Payment Data Systems 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
Software and Technology Services Industry Statistics
Payment Data Systems 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
Payment Data Systems 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
Payment Data Systems 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
Payment Data Systems Inc. 1-year Stock Charts
Payment Data Systems Inc. 5-year Stock Charts
Payment Data Systems Inc. vs. Main Indexes 1-year Stock Chart
Payment Data Systems Inc. vs. Direct Competitors 1-year Stock Charts
Payment Data Systems 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?