Based on the aggregated intelligence of 165,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, payroll services specialist Total System Services (NYSE: TSS) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Total Systems' business and see what CAPS investors are saying about the stock right now.

Total Systems facts

Headquarters (Founded)

Columbus, Ga. (1982)

Market Cap

$2.8 billion

Industry

Data processing and outsourced services

Trailing-12-Month Revenue

$1.72 billion

Management

CEO Philip Tomlinson (since 2003)

CFO James Lipham (since 1995)

Return on Equity (Average, Past 3 Years)

20.9%

Cash/Debt

$388 million / $240.25 million

Dividend Yield

2%

Competitors

Heartland Payment Systems (NYSE: HPY)

Fidelity National Information Services (NYSE: FIS)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 91% of the 177 members who have rated Total Systems believe the stock will outperform the S&P 500 going forward. These bulls include blesto and TMF42.

Two months ago, blesto tapped Total Systems as a "boring behind the scenes business that provides a much needed service to its clients." Our CAPS member adds: "A 2% dividend not bad in today's environment."

In fact, Total Systems processes about 40% of the domestic credit card market, with its two largest customers, Bank of America (NYSE: BAC) and Capital One Financial (NYSE: COF), accounting for a third of its business. Additionally, Total Systems processes a whopping 85% of all Visa's (NYSE: V) and MasterCard's (NYSE: MA) domestic transactions. While heavy customer concentration is certainly a concern, Total Systems' sheer scale advantages and high switching costs are too attractive for Fools to ignore. Total Systems' operating margins, for example, are consistently around 20%, while close rivals Heartland and Fidelity National, both decent companies in their own right, sport single-digit operating margins.

CAPS member TMF42 elaborates:

The company benefits from recurring revenue streams, reasonably sticky client relationships, a great reputation and generates impressive returns on capital and free cash flow. Its CUP Data ownership is a hidden asset that plays as a nice kicker to its stable domestic processing business. Growth through acquisitions will help diversify domestic revenue and international presence should continue to expand. With an EV/EBITDA multiple of 5.4, mid-teen returns on capital and $300 MM FCF run rate shares of [Total Systems] are CHEAP.

What do you think about Total Systems, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!