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
In this section, we usually try to help investors determine whether Excel is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Excel has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.
This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis. You can see them here.
Show me the analysis anyway
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Excel. This is due to cash flow or dividend data being
unavailable. The share price is
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
is considered below, and whether this is a fair price.
Price based on past earnings
Excel's earnings available for a low price, and how does
this compare to other companies in the same industry?
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Excel has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
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
Expected IT industry annual growth in earnings.
Earnings growth vs Low Risk Savings
expected to grow at an
Unable to compare Excel's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare Excel's earnings growth to the United States of America market average as no estimate data is available.
Unable to compare Excel's revenue growth to the United States of America market average as no estimate data is available.
Unable to determine if Excel is high growth as no earnings estimate data is available.
Unable to determine if Excel is high growth as no revenue estimate data is available.
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.
While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Excel's filings and announcements here.
Excel's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
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.
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.
In this section we usually analyse Excel's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Excel has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information. You can see them here.
Show me the analysis anyway
A company's financial position is much like your own financial position,
it includes everything you own
The boxes below represent the relative size of what makes up
The net worth of a company is the difference between its assets and liabilities.
Unable to compare short term assets to short term liabilities as Excel has not reported sufficient balance sheet data.
Unable to establish if Excel's long term commitments exceed its cash and other short term assets as Excel has not reported sufficient balance sheet data.
This treemap shows a more detailed breakdown of
Excel'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
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Unable to establish if Excel has a high level of physical assets or inventory without balance sheet data.
Unable to verify if debt is covered by short term assets as Excel has not reported sufficient balance sheet data.
Nearly all companies have debt. Debt in itself isn’t
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.
All data from Excel Company Filings, last reported 1 year ago.
OTCPK:EXCC Past Debt and Equity Data
Date (Data in USD Millions)
Cash & Short Term Investments
Unable to establish if Excel's level of debt is high without past debt data.
Unable to establish if Excel's debt level has increased without past 5-year debt data.
Unable to verify if debt is well covered by operating cash flow as Excel has not reported sufficient balance sheet data.
Unable to confirm if the interest payments on Excel's debt are well covered by earnings due to lack of past financial data.
Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Excel's financial data was last updated here.
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.
TENURE AS CEO
Ms. Joni R. Floyd has been Chief Executive Officer and President of Excel Corporation since August 30, 2017. Ms. Floyd served as Vice President of Operations at EPIC Processing, Ltd. Ms. Floyd was responsible for operations management, marketing strategy and growth initiatives at Epic Processing. She served as Chief Operating Officer of TransFirst, LLC. She joined TransFirst in October 2001 as Vice President of Strategic Development. She served as the Chief Operating Officer of the GTCR Golder Rauner LLC since 2006. From January 2010 to November 2011, she was a Partner with The Octane Group leading management consulting practices focused in the B2B technology and payment processing sectors. She served as an investor, incubator, advisor and principal to many start-up and early stage companies delivering a unique blend of practical experience and digital media to traditional processes. Ms. Floyd was Managing Director of Raven Partners, a consulting firm delivering specialized services via strategy development and tactical execution that she founded with a partner in March 2016. From May 2014 to December 2015, Ms. Floyd served as the Chief Operating Officer of Future Payment Technologies, a payment processing firm. From December 2011 to May 2014, Ms. Floyd was the Executive Vice President and Chief Operating Officer of SecureNet Payment Systems (now WorldPay), a payment processor and mobile payment solutions provider. From June 2006 to December 2009, Ms. Floyd worked at Anvil Investments, a boutique investment firm, where she provided investment and management oversight to portfolio companies. Ms. Floyd also worked for Anvil Investments from 2000 to 2001. From June 2001 to May 2006, Ms. Floyd served as the Chief Operating Officer of TransFirst Holdings, LLC (now a TSYS Company). From June 1987 to February 2000, Ms. Floyd served at Affiliated Computer Services, Inc. From June 1981 to June 1987, Ms. Floyd served at MTech, a subsidiary of Mercantile National Bank (MBank), where she managed turnaround projects and other initiatives. Ms. Floyd has over 30 years experience in bank data services and related e-commerce industries. She was responsible for all aspects of the electronic banking systems, including Business Development, Delivery Systems, Service and Operations. Ms. Floyd served as an Operating Director of Anvil Investments, LLC.
Insufficient data for Joni to compare compensation growth.
Insufficient data for Joni to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Excel Corporation, through its subsidiaries, provides integrated financial and transaction processing services to businesses in the United States. It offers an integrated suite of third-party merchant payment processing services and related proprietary software enabling products that deliver credit and debit card-based Internet payments processing solutions to small and mid-sized merchants operating in physical business environments, on the Internet, and in retail settings requiring wired and wireless mobile payment solutions. The company also acts as an independent sales organization (ISO), which provides alternative financing and working capital solutions using various third party funding sources. It markets its products and services through independent agents and other smaller ISOs. Excel Corporation was founded in 2010 and is headquartered in Irving, Texas.
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.