Morningstar Rating

Stock Research and Analysis

by Stephen Ellis

Bulls Say

Expected growth in card payments, helped by a recovering U.S. economy, should continue to fuel revenue and earnings growth at TSYS.
The prepaid arena offers a growth avenue to TSYS after the NetSpend acquisition.
International markets, such as Brazil, are avenues of future growth for TSYS. Read more 

Bears Say

Consolidation among financial institutions is likely to continue, which could lead to greater concentration within TSYS' client base and enhance its bargaining power, to the detriment of TSYS.
TSYS is exposed to some large customers, which could backfire if one of these important clients left or renewed at unfavorable terms.
The U.S. economy remains fragile, and a slowdown could restrain credit card purchasing activity, a negative to TSYS. Read more 


In our view, Total System Services' stewardship of shareholder capital is Standard. After running the company for years, Philip Tomlinson in 2014 ceded the chief executive position to M. Troy Woods. Tomlinson remains chairman and at this point we don’t   Read more 


Based in Columbus, Georgia, TSYS provides payment-processing services in the U.S. and abroad. In 2013 TSYS provided processing services for 28% of domestic consumer credit   Read more 

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