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Payment Data Systems

BST:BLL2
Snowflake Description

Adequate balance sheet and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BLL2
BST
$40M
Market Cap
  1. Home
  2. DE
  3. Software
Company description

Payment Data Systems, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The last earnings update was 29 days ago. More info.


Add to Portfolio Compare Print
  • Payment Data Systems has significant price volatility in the past 3 months.
BLL2 Share Price and Events
7 Day Returns
0.1%
BST:BLL2
6.8%
DE IT
0.8%
DE Market
1 Year Returns
63.6%
BST:BLL2
18.2%
DE IT
-4.5%
DE Market
BLL2 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Payment Data Systems (BLL2) 0.1% -14.3% 13.4% 63.6% - -
DE IT 6.8% 26.6% -9.5% 18.2% 159.6% 254.4%
DE Market 0.8% 6.9% 8.1% -4.5% 10.4% 13.9%
1 Year Return vs Industry and Market
  • BLL2 outperformed the IT industry which returned 18.2% over the past year.
  • BLL2 outperformed the Market in Germany which returned -4.5% over the past year.
Price Volatility
BLL2
Industry
5yr Volatility vs Market

Value

 Is Payment Data Systems undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Payment Data Systems. This is due to cash flow or dividend data being unavailable. The share price is €2.1425.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Payment Data Systems's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Payment Data Systems's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
BST:BLL2 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $-0.31
NasdaqCM:PYDS Share Price ** NasdaqCM (2019-04-25) in USD $2.4
Germany IT Industry PE Ratio Median Figure of 20 Publicly-Listed IT Companies 24.57x
Germany Market PE Ratio Median Figure of 424 Publicly-Listed Companies 20.1x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Payment Data Systems.

BST:BLL2 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:PYDS Share Price ÷ EPS (both in USD)

= 2.4 ÷ -0.31

-7.71x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Payment Data Systems is loss making, we can't compare its value to the DE IT industry average.
  • Payment Data Systems is loss making, we can't compare the value of its earnings to the Germany market.
Price based on expected Growth
Does Payment Data Systems's expected growth come at a high price?
Raw Data
BST:BLL2 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -7.71x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts
8%per year
Germany IT Industry PEG Ratio Median Figure of 12 Publicly-Listed IT Companies 1.5x
Germany Market PEG Ratio Median Figure of 268 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Payment Data Systems, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Payment Data Systems's assets?
Raw Data
BST:BLL2 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $0.60
NasdaqCM:PYDS Share Price * NasdaqCM (2019-04-25) in USD $2.4
Germany IT Industry PB Ratio Median Figure of 24 Publicly-Listed IT Companies 4.09x
Germany Market PB Ratio Median Figure of 574 Publicly-Listed Companies 1.87x
BST:BLL2 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:PYDS Share Price ÷ Book Value per Share (both in USD)

= 2.4 ÷ 0.60

4x

* Primary Listing of Payment Data Systems.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Payment Data Systems is good value based on assets compared to the DE IT industry average.
X
Value checks
We assess Payment Data Systems's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the IT industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the IT industry average (and greater than 0)? (1 check)
  5. Payment Data Systems has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Payment Data Systems expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Payment Data Systems expected to grow at an attractive rate?
  • Unable to compare Payment Data Systems's earnings growth to the low risk savings rate as it is expected to be loss making during the next 1-3 years.
Growth vs Market Checks
  • Unable to compare Payment Data Systems's earnings growth to the Germany market average as it is expected to be loss making during the next 1-3 years.
  • Payment Data Systems's revenue growth is expected to exceed the Germany market average.
Annual Growth Rates Comparison
Raw Data
BST:BLL2 Future Growth Rates Data Sources
Data Point Source Value (per year)
BST:BLL2 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts 8%
BST:BLL2 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts 13.5%
Germany IT Industry Earnings Growth Rate Market Cap Weighted Average 23.9%
Germany IT Industry Revenue Growth Rate Market Cap Weighted Average 16.1%
Germany Market Earnings Growth Rate Market Cap Weighted Average 11.8%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
BST:BLL2 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
BST:BLL2 Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 33 -3 2
2019-12-31 29 -3 4
BST:BLL2 Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 25 -3 -4
2018-09-30 24 -1 -4
2018-06-30 21 0 -4
2018-03-31 18 0 -4
2017-12-31 15 -1 -3
2017-09-30 12 -1 -2
2017-06-30 11 -1 -2
2017-03-31 12 0 -1
2016-12-31 12 1 -1
2016-09-30 13 1 -1
2016-06-30 13 1 0
2016-03-31 14 2 0

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Payment Data Systems is not considered high growth as it is expected to be loss making for the next 1-3 years.
  • Payment Data Systems's revenue is expected to grow by 13.5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
BST:BLL2 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below

All data from Payment Data Systems Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BST:BLL2 Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 -0.24 -0.23 -0.24 2.00
2019-12-31 -0.24 -0.20 -0.26 4.00
BST:BLL2 Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 -0.31
2018-09-30 -0.36
2018-06-30 -0.40
2018-03-31 -0.38
2017-12-31 -0.33
2017-09-30 -0.23
2017-06-30 -0.20
2017-03-31 -0.18
2016-12-31 -0.15
2016-09-30 -0.10
2016-06-30 -0.01
2016-03-31 0.04

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Payment Data Systems will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Payment Data Systems's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Germany market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Payment Data Systems has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Payment Data Systems performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Payment Data Systems's growth in the last year to its industry (IT).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Payment Data Systems does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Payment Data Systems's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Payment Data Systems's 1-year growth to the DE IT industry average as it is not currently profitable.
Earnings and Revenue History
Payment Data Systems's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Payment Data Systems Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BST:BLL2 Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 25.02 -3.78 7.47
2018-09-30 24.22 -4.20 7.47
2018-06-30 21.34 -4.27 7.06
2018-03-31 17.60 -3.77 6.18
2017-12-31 14.57 -3.01 5.35
2017-09-30 11.84 -1.95 4.40
2017-06-30 11.32 -1.63 4.31
2017-03-31 11.66 -1.45 4.38
2016-12-31 12.08 -1.20 4.24
2016-09-30 12.85 -0.79 4.32
2016-06-30 13.33 -0.10 4.10
2016-03-31 13.87 0.28 3.76
2015-12-31 14.38 1.02 3.52
2015-09-30 14.48 3.35 2.98
2015-06-30 14.53 3.92 2.36
2015-03-31 14.41 4.39 2.09
2014-12-31 13.40 3.84 1.89
2014-09-30 11.86 1.39 1.83
2014-06-30 9.23 0.36 1.76
2014-03-31 6.85 -0.39 1.71
2013-12-31 5.18 -0.79 1.70
2013-09-30 5.20 -0.36 1.70
2013-06-30 6.57 0.60 1.74
2013-03-31 7.11 0.97 1.75
2012-12-31 7.35 1.28 1.76
2012-09-30 6.92 1.27 1.70
2012-06-30 6.03 0.91 1.58

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Payment Data Systems has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Payment Data Systems has efficiently used its assets last year compared to the DE IT industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Payment Data Systems improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Payment Data Systems's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the IT industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Payment Data Systems has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Payment Data Systems's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Payment Data Systems's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Payment Data Systems is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Payment Data Systems's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Payment Data Systems's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Payment Data Systems has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Payment Data Systems Company Filings, last reported 3 months ago.

BST:BLL2 Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 9.63 0.00 2.70
2018-09-30 10.23 0.00 2.72
2018-06-30 10.76 0.00 2.72
2018-03-31 11.49 0.00 3.47
2017-12-31 13.12 0.00 4.80
2017-09-30 11.36 0.00 2.20
2017-06-30 8.52 0.00 3.23
2017-03-31 8.90 0.00 3.62
2016-12-31 9.01 0.00 4.12
2016-09-30 9.41 0.00 4.29
2016-06-30 9.33 0.00 4.38
2016-03-31 9.39 0.00 4.22
2015-12-31 9.12 0.00 4.06
2015-09-30 8.65 0.00 52.17
2015-06-30 8.09 0.00 64.87
2015-03-31 7.80 0.00 65.32
2014-12-31 7.02 0.00 2.80
2014-09-30 2.20 0.00 60.78
2014-06-30 1.44 0.00 60.79
2014-03-31 0.88 0.00 54.61
2013-12-31 0.64 0.00 26.57
2013-09-30 0.52 0.00 9.06
2013-06-30 0.78 0.00 2.35
2013-03-31 0.98 0.00 2.40
2012-12-31 2.14 0.00 3.76
2012-09-30 1.67 0.00 3.04
2012-06-30 0.96 0.14 1.90
  • Payment Data Systems has no debt.
  • Payment Data Systems had no debt 5 years ago.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Payment Data Systems has less than a year of cash runway based on current free cash flow.
  • Payment Data Systems has less than a year of cash runway if free cash flow continues to grow at historical rates of 105.3% each year.
X
Financial health checks
We assess Payment Data Systems's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Payment Data Systems has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Payment Data Systems's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Payment Data Systems dividends.
If you bought €2,000 of Payment Data Systems shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Payment Data Systems's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Payment Data Systems's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
BST:BLL2 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
Germany IT Industry Average Dividend Yield Market Cap Weighted Average of 13 Stocks 0.6%
Germany Market Average Dividend Yield Market Cap Weighted Average of 326 Stocks 3%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.4%
Germany Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

BST:BLL2 Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31
2019-12-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Payment Data Systems has not reported any payouts.
  • Unable to verify if Payment Data Systems's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Payment Data Systems's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Payment Data Systems has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Payment Data Systems's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Payment Data Systems afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Payment Data Systems has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Payment Data Systems's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Louis Hoch
COMPENSATION $636,302
AGE 52
TENURE AS CEO 2.7 years
CEO Bio

Mr. Louis A. Hoch is Co-Founder of Payment Data Systems, Inc. and has been its Chief Executive Officer since August 4, 2016 and its President and Chief Operating Officer since July 1998. Mr. Hoch serves as Chairman, Chief Executive Officer and President of FiCentive, Inc. He served as the President of Payment Data Systems, Inc. since July 1998 until September 23, 2016. He has 18 years of management experience in large systems development. Before Billserv Inc., his background has been primarily in the telecommunications industry. From April to November 1998, He was the Subject Matter Expert for Call Centers in Telecom, at Andersen Consulting. While employed at U. S. Long Distance, Inc. and its spin-off company, Billing Concepts, Inc., from June 1991 to April 1998, he successfully built large billing systems that were proven flexible enough to sustain exponential growth in record volumes and call centers that integrated the latest in technology and processes. During his tenure at Billing Concepts, He held successive positions; as a Tech Support Representative, Program Analyst, Program Manager, MIS Manager and finally, Director of Information Technology. He served as Secretary of Payment Data Systems, Inc.until September 23, 2015. He has been Vice-Chairman of Payment Data Systems, Inc. since February 22, 2007 and Director since July 1998. He serves as a Director on the advisory board for Lady of the Lake University Business School and is also an executive lecturer in the school's weekend MBA program. He is a Member of the Board of Directors of Billserv Australia and Office e-procure, Inc., which provides branded office supply eCommerce sites for businesses. Mr. Hoch holds a B.B.A. in Computer Information Systems and an M.B.A. in International Business Management, both from Lady of the Lake University. He is certified as a Computer Professional (CCP) by the Institute for Certification of Computing Professionals (ICCP).

CEO Compensation
  • Louis's compensation has been consistent with company performance over the past year.
  • Louis's remuneration is higher than average for companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Payment Data Systems management team in years:

2.3
Average Tenure
52
Average Age
  • The tenure for the Payment Data Systems management team is about average.
Management Team

Michael Long

TITLE
Co-Founder & Chairman
COMPENSATION
$459K
AGE
73

Louis Hoch

TITLE
Co-Founder
COMPENSATION
$636K
AGE
52
TENURE
2.7 yrs

Tom Jewell

TITLE
Senior VP & CFO
COMPENSATION
$256K
AGE
61
TENURE
2.3 yrs

Houston Frost

TITLE
Senior Vice President of Prepaid Products
COMPENSATION
$344K
AGE
36
TENURE
4.3 yrs

Ken Keller

TITLE
Chief Technology Officer & Senior VP
COMPENSATION
$139K
AGE
52
TENURE
11.3 yrs

Joe Hassett

TITLE
Investor Relations

Wayne Gonzales

TITLE
Senior Vice President of Risk Management & Compliance

Matt Morris

TITLE
Vice President of Marketing
TENURE
1.3 yrs

Larry Morrison

TITLE
Senior Vice President of Business Development
COMPENSATION
$233K
AGE
58
TENURE
1.3 yrs

Vaden Landers

TITLE
Executive VP & Chief Revenue Officer
AGE
48
TENURE
1.6 yrs
Board of Directors Tenure

Average tenure and age of the Payment Data Systems board of directors in years:

12.5
Average Tenure
52
Average Age
  • The average tenure for the Payment Data Systems board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Michael Long

TITLE
Co-Founder & Chairman
COMPENSATION
$459K
AGE
73
TENURE
20.8 yrs

Louis Hoch

TITLE
Co-Founder
COMPENSATION
$636K
AGE
52
TENURE
12.2 yrs

Blaise Bender

TITLE
Independent Director
AGE
61

Jason Moore

TITLE
Member of Advisory Board
TENURE
12.8 yrs

Tom DeBrooke

TITLE
Member of Advisory Board
TENURE
12.8 yrs

Miguel Chapa

TITLE
Director
COMPENSATION
$35K
AGE
47
TENURE
4 yrs

Brad Rollins

TITLE
Director
COMPENSATION
$44K
AGE
46
TENURE
1.9 yrs
Who owns this company?
Recent Insider Trading
  • Payment Data Systems insiders have only sold shares in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
27. Feb 19 Sell Steve Huffman Individual 25. Feb 19 25. Feb 19 -17,186 €2.42 €-41,586
20. Jul 18 Sell Michael Long Individual 17. Jul 18 17. Jul 18 -8,193 €1.49 €-12,218
16. Aug 18 Sell Michael Long Individual 14. Aug 18 15. Aug 18 -10,185 €1.67 €-15,747
14. Aug 18 Sell Michael Long Individual 10. Aug 18 13. Aug 18 -11,900 €1.70 €-19,944
10. Aug 18 Sell Michael Long Individual 08. Aug 18 09. Aug 18 -11,106 €1.66 €-18,345
08. Aug 18 Sell Michael Long Individual 06. Aug 18 07. Aug 18 -12,000 €1.60 €-19,154
06. Aug 18 Sell Michael Long Individual 02. Aug 18 03. Aug 18 -9,500 €1.55 €-14,742
02. Aug 18 Sell Michael Long Individual 31. Jul 18 01. Aug 18 -16,510 €1.49 €-24,160
31. Jul 18 Sell Michael Long Individual 27. Jul 18 30. Jul 18 -13,600 €1.47 €-19,881
27. Jul 18 Sell Michael Long Individual 25. Jul 18 26. Jul 18 -7,500 €1.50 €-11,198
25. Jul 18 Sell Michael Long Individual 23. Jul 18 24. Jul 18 -34,659 €1.51 €-52,145
24. Jul 18 Sell Michael Long Individual 20. Jul 18 20. Jul 18 -2,850 €1.47 €-4,203
07. Feb 19 Sell Michael Long Individual 17. Jul 18 20. Jul 18 -28,690 €1.54 €-43,415
X
Management checks
We assess Payment Data Systems's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Payment Data Systems has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Payment Data Systems, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH processing services include Represented Check, a consumer non-sufficient funds check that is represented for payment electronically rather than through the paper check collection system; and Accounts Receivable Check Conversion, a consumer paper check payment, which is converted into an e-check. The company also offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a Website or retail services accessed through a physical terminal. In addition, it provides a proprietary Web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Further, the company creates, manages, and processes prepaid card programs for corporate clients to issue prepaid cards to their customer base or employees; and issues general purpose reloadable cards to consumers as an alternative to a traditional bank account. Additionally, it operates billx.com, a consumer Website that allows consumers to process online payments to pay other individual; and provides prepaid cards to consumers for use in as a tool to stay on budget, manage allowances, and share money with family and friends. The company markets and sells its products and services directly, as well as through non-exclusive resellers. Payment Data Systems, Inc. was founded in 1998 and is headquartered in San Antonio, Texas.

Details
Name: Payment Data Systems, Inc.
BLL2
Exchange: BST
Founded: 1998
$36,337,036
16,863,222
Website: http://www.paymentdata.com
Address: Payment Data Systems, Inc.
12500 San Pedro,
Suite 120,
San Antonio,
Texas, 78216,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM PYDS Common Stock Nasdaq Capital Market US USD 24. Nov 1998
BST BLL2 Common Stock Boerse-Stuttgart DE EUR 24. Nov 1998
Number of employees
Current staff
Staff numbers
43
Payment Data Systems employees.
Industry
Data Processing and Outsourced Services
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/25 22:49
End of day share price update: 2019/04/25 00:00
Last estimates confirmation: 2019/04/08
Last earnings filing: 2019/03/27
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.