GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
NYSE:GDOT - New York Stock Exchange, Inc. - US39304D1028 - Common Stock - Currency: USD
GDOT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. Both the profitability and financial health of GDOT have multiple concerns. GDOT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
GDOT had positive earnings in the past year.
In the past year GDOT had a positive cash flow from operations.
GDOT had positive earnings in 4 of the past 5 years.
GDOT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of GDOT (-0.10%) is worse than 75.00% of its industry peers.
The Return On Equity of GDOT (-0.60%) is worse than 75.00% of its industry peers.
GDOT has a Return On Invested Capital (1.16%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 10.31%.
The last Return On Invested Capital (1.16%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -0.6% | ||
| ROIC | 1.16% |
ROA(3y)0.33%
ROA(5y)0.51%
ROE(3y)1.97%
ROE(5y)2.51%
ROIC(3y)0.95%
ROIC(5y)1.03%
1.3 Margins
GDOT has a worse Operating Margin (4.15%) than 61.54% of its industry peers.
In the last couple of years the Operating Margin of GDOT has declined.
The Profit Margin and Gross Margin are not available for GDOT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.15% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-22.65%
OM growth 5Y-27.98%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GDOT is destroying value.
Compared to 1 year ago, GDOT has more shares outstanding
Compared to 5 years ago, GDOT has more shares outstanding
The debt/assets ratio for GDOT is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.22, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
GDOT's Altman-Z score of 0.22 is on the low side compared to the rest of the industry. GDOT is outperformed by 63.46% of its industry peers.
The Debt to FCF ratio of GDOT is 194.78, which is on the high side as it means it would take GDOT, 194.78 years of fcf income to pay off all of its debts.
GDOT has a worse Debt to FCF ratio (194.78) than 71.15% of its industry peers.
GDOT has a Debt/Equity ratio of 4.46. This is a high value indicating a heavy dependency on external financing.
GDOT has a Debt to Equity ratio of 4.46. This is in the lower half of the industry: GDOT underperforms 73.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.46 | ||
| Debt/FCF | 194.78 | ||
| Altman-Z | 0.22 |
ROIC/WACC0.46
WACC2.49%
2.3 Liquidity
GDOT has a Current Ratio of 0.58. This is a bad value and indicates that GDOT is not financially healthy enough and could expect problems in meeting its short term obligations.
GDOT's Current ratio of 0.58 is on the low side compared to the rest of the industry. GDOT is outperformed by 61.54% of its industry peers.
A Quick Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Quick ratio of 0.58 is on the low side compared to the rest of the industry. GDOT is outperformed by 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 |
3. Growth
3.1 Past
GDOT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.39%, which is quite impressive.
The earnings per share for GDOT have been decreasing by -13.01% on average. This is quite bad
GDOT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.12%.
Measured over the past years, GDOT shows a quite strong growth in Revenue. The Revenue has been growing by 9.23% on average per year.
EPS 1Y (TTM)48.39%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%79.66%
Revenue 1Y (TTM)19.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.65%
3.2 Future
GDOT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.67% yearly.
GDOT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.28% yearly.
EPS Next Y-7.68%
EPS Next 2Y4.62%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year22.11%
Revenue Next 2Y17.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.05, the valuation of GDOT can be described as very cheap.
Based on the Price/Earnings ratio, GDOT is valued cheaply inside the industry as 86.54% of the companies are valued more expensively.
GDOT is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.42, the valuation of GDOT can be described as very cheap.
Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than 71.15% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.05 | ||
| Fwd PE | 7.42 |
4.2 Price Multiples
65.38% of the companies in the same industry are cheaper than GDOT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.13 | ||
| EV/EBITDA | -8.2 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.62%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
11.13
-0.14 (-1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners86.44%
Inst Owner Change-7.88%
Ins Owners1.46%
Ins Owner Change-0.9%
Market Cap610.93M
Analysts74.55
Price Target12.5 (12.31%)
Short Float %2.53%
Short Ratio1.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)28.93%
Min EPS beat(2)10.9%
Max EPS beat(2)46.95%
EPS beat(4)3
Avg EPS beat(4)10.28%
Min EPS beat(4)-24.23%
Max EPS beat(4)46.95%
EPS beat(8)3
Avg EPS beat(8)-3.91%
EPS beat(12)7
Avg EPS beat(12)8.03%
EPS beat(16)10
Avg EPS beat(16)10.89%
Revenue beat(2)2
Avg Revenue beat(2)6.62%
Min Revenue beat(2)5.37%
Max Revenue beat(2)7.87%
Revenue beat(4)4
Avg Revenue beat(4)4.75%
Min Revenue beat(4)2.33%
Max Revenue beat(4)7.87%
Revenue beat(8)8
Avg Revenue beat(8)4.56%
Revenue beat(12)11
Avg Revenue beat(12)4%
Revenue beat(16)15
Avg Revenue beat(16)4.91%
PT rev (1m)13.95%
PT rev (3m)25.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.24%
EPS NY rev (1m)0%
EPS NY rev (3m)-17.62%
Revenue NQ rev (1m)2.98%
Revenue NQ rev (3m)7.39%
Revenue NY rev (1m)2.53%
Revenue NY rev (3m)9.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.05 | ||
| Fwd PE | 7.42 | ||
| P/S | 0.33 | ||
| P/FCF | 28.13 | ||
| P/OCF | 6.05 | ||
| P/B | 0.64 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | -8.2 |
EPS(TTM)1.84
EY16.53%
EPS(NY)1.5
Fwd EY13.47%
FCF(TTM)0.4
FCFY3.55%
OCF(TTM)1.84
OCFY16.52%
SpS33.35
BVpS17.26
TBVpS10.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -0.6% | ||
| ROCE | 7.45% | ||
| ROIC | 1.16% | ||
| ROICexc | 1.81% | ||
| ROICexgc | 2.05% | ||
| OM | 4.15% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 1.19% |
ROA(3y)0.33%
ROA(5y)0.51%
ROE(3y)1.97%
ROE(5y)2.51%
ROIC(3y)0.95%
ROIC(5y)1.03%
ROICexc(3y)1.22%
ROICexc(5y)1.43%
ROICexgc(3y)1.39%
ROICexgc(5y)1.7%
ROCE(3y)6.17%
ROCE(5y)5.93%
ROICexcg growth 3Y-21.13%
ROICexcg growth 5Y-42.77%
ROICexc growth 3Y-20.1%
ROICexc growth 5Y-36.75%
OM growth 3Y-22.65%
OM growth 5Y-27.98%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.46 | ||
| Debt/FCF | 194.78 | ||
| Debt/EBITDA | 26.62 | ||
| Cap/Depr | 95.45% | ||
| Cap/Sales | 4.33% | ||
| Interest Coverage | 6.46 | ||
| Cash Conversion | 63.51% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 | ||
| Altman-Z | 0.22 |
F-Score6
WACC2.49%
ROIC/WACC0.46
Cap/Depr(3y)94.61%
Cap/Depr(5y)84.01%
Cap/Sales(3y)5.06%
Cap/Sales(5y)4.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)48.39%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%79.66%
EPS Next Y-7.68%
EPS Next 2Y4.62%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)19.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.65%
Revenue Next Year22.11%
Revenue Next 2Y17.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y321.42%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1378.45%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.79%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y-61.57%
OCF growth 3Y-21.31%
OCF growth 5Y-15.59%