HPY — Stock Film
STOCK FILMSCENE 1/9HPY · $103
Stock Expert AI presents
HPY
Heartland Payment Systems, Inc
~3 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Heartland Payment Systems, Inc. What it actually does.

Processes credit and debit card transactions for businesses. Offers point-of-sale (POS) systems for retail and restaurant environments. Now — the numbers.

on the stock market since 2005
Revenue last year:
$2.7B
The net profit left over:
$84.7M
Out of every $100 in sales, $3 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 3%

This is an established company with proven profits.

THE SALES TREND
Sales are growing — but slowly for a company this size.

Average growth of 8% a year over the last 4 years. Every year shown ended in profit.

$2B
2011
2012
2013
2014
$2.7B
2015
Cash on hand:
$56.6M
Total debt:
$481.6M
The debt outweighs the cash.

The gap is $425.0M. In times of high interest rates, a gap like that can squeeze a company.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 3 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

WEAK SPOTS
The stock has lost its spark0/10
Thin profit on each sale3/10
Costs eat into the margin4/10
WORTH WATCHING

Profit per Sale: The profit kept from each sale is thin.

THE BRIGHT SIDE

Our checks did not surface a specific strength to highlight here.

1
THE RISKS · 1/3
The stock has lost its spark

The price action doesn’t yet back an upward turn. Council score: 0/10.

2
THE RISKS · 2/3
Thin profit on each sale

As the slice kept from each sale thins out, so does the profit. Council score: 3/10.

3
THE RISKS · 3/3
Costs eat into the margin

Costs swallow the gains that sales growth brings in. Council score: 4/10.

FINALE · THE GRADE
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown, the price history.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film