ACH processes $44T. MYEC only needs to capture 1/100th of 1% ($4.4B) to bring in enough net profit to trade at Dollars per share. $4.4B transaction volume x 1% fee / 3B shares = 0.015 EPS x Forward P/E 75 = $1.12 or a P/E 150 with Ed retiring another 1B shares = $3.30 per share. Keep in mind that is ONLY 1 slice of 1% that is cut into 100 pcs. 1/10,000th of ACH's market share.