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 2 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. GDOT has a bad profitability rating. Also its financial health evaluation is rather negative. GDOT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year GDOT was profitable.
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 (-0.49%) is worse than 77.36% of its industry peers.
GDOT's Return On Equity of -3.06% is on the low side compared to the rest of the industry. GDOT is outperformed by 77.36% of its industry peers.
The Return On Invested Capital of GDOT (0.59%) is comparable to the rest of the industry.
GDOT had an Average Return On Invested Capital over the past 3 years of 0.95%. This is significantly below the industry average of 8.61%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.49% | ||
| ROE | -3.06% | ||
| ROIC | 0.59% |
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's Operating Margin of 2.15% is in line compared to the rest of the industry. GDOT outperforms 41.51% of its industry peers.
GDOT's Operating Margin has declined in the last couple of years.
The Profit Margin and Gross Margin are not available for GDOT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.15% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GDOT is destroying value.
Compared to 1 year ago, GDOT has more shares outstanding
Compared to 5 years ago, GDOT has more shares outstanding
GDOT has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.13, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.13, GDOT is doing worse than 64.15% of the companies in the same industry.
The Debt to FCF ratio of GDOT is 572.03, which is on the high side as it means it would take GDOT, 572.03 years of fcf income to pay off all of its debts.
GDOT's Debt to FCF ratio of 572.03 is on the low side compared to the rest of the industry. GDOT is outperformed by 69.81% of its industry peers.
GDOT has a Debt/Equity ratio of 4.65. This is a high value indicating a heavy dependency on external financing.
GDOT has a worse Debt to Equity ratio (4.65) than 73.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.65 | ||
| Debt/FCF | 572.03 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.33
WACC1.81%
2.3 Liquidity
A Current Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Current ratio of 0.54 is on the low side compared to the rest of the industry. GDOT is outperformed by 62.26% of its industry peers.
A Quick Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Quick ratio of 0.54 is on the low side compared to the rest of the industry. GDOT is outperformed by 62.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
The earnings per share for GDOT have decreased strongly by -16.46% in the last year.
Measured over the past years, GDOT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.01% on average per year.
GDOT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.82%.
The Revenue has been growing by 9.23% on average over the past years. This is quite good.
EPS 1Y (TTM)-16.46%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%185.71%
Revenue 1Y (TTM)14.82%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%24.31%
3.2 Future
Based on estimates for the next years, GDOT will show a small growth in Earnings Per Share. The EPS will grow by 1.49% on average per year.
Based on estimates for the next years, GDOT will show a quite strong growth in Revenue. The Revenue will grow by 13.20% on average per year.
EPS Next Y-17.18%
EPS Next 2Y1.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.3%
Revenue Next 2Y13.2%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.42 indicates a rather cheap valuation of GDOT.
Based on the Price/Earnings ratio, GDOT is valued cheaper than 86.79% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. GDOT is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.54, the valuation of GDOT can be described as very cheap.
Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than 77.36% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.08, GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.42 | ||
| Fwd PE | 6.54 |
4.2 Price Multiples
67.92% 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 | 56.71 | ||
| EV/EBITDA | -9.77 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.49%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
7.42
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners94.15%
Inst Owner Change0%
Ins Owners1.14%
Ins Owner Change-4.45%
Market Cap402.39M
Analysts50
Price Target10.97 (47.84%)
Short Float %5.07%
Short Ratio3.96
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)1
Avg EPS beat(2)-6.66%
Min EPS beat(2)-24.23%
Max EPS beat(2)10.9%
EPS beat(4)2
Avg EPS beat(4)-6.56%
Min EPS beat(4)-24.23%
Max EPS beat(4)10.9%
EPS beat(8)3
Avg EPS beat(8)-7.04%
EPS beat(12)7
Avg EPS beat(12)6%
EPS beat(16)9
Avg EPS beat(16)7.54%
Revenue beat(2)2
Avg Revenue beat(2)3.85%
Min Revenue beat(2)2.33%
Max Revenue beat(2)5.37%
Revenue beat(4)4
Avg Revenue beat(4)4.12%
Min Revenue beat(4)2.33%
Max Revenue beat(4)5.37%
Revenue beat(8)8
Avg Revenue beat(8)4.24%
Revenue beat(12)11
Avg Revenue beat(12)3.37%
Revenue beat(16)15
Avg Revenue beat(16)4.84%
PT rev (1m)10.26%
PT rev (3m)-15.69%
EPS NQ rev (1m)5.77%
EPS NQ rev (3m)1.43%
EPS NY rev (1m)-26.1%
EPS NY rev (3m)-26.1%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.42 | ||
| Fwd PE | 6.54 | ||
| P/S | 0.23 | ||
| P/FCF | 56.71 | ||
| P/OCF | 4.94 | ||
| P/B | 0.46 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | -9.77 |
EPS(TTM)1.37
EY18.46%
EPS(NY)1.13
Fwd EY15.29%
FCF(TTM)0.13
FCFY1.76%
OCF(TTM)1.5
OCFY20.23%
SpS31.79
BVpS16.11
TBVpS8.77
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.49% | ||
| ROE | -3.06% | ||
| ROCE | 3.97% | ||
| ROIC | 0.59% | ||
| ROICexc | 0.88% | ||
| ROICexgc | 1% | ||
| OM | 2.15% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 0.41% |
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-Score4
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.65 | ||
| Debt/FCF | 572.03 | ||
| Debt/EBITDA | 33.35 | ||
| Cap/Depr | 87.71% | ||
| Cap/Sales | 4.31% | ||
| Interest Coverage | 2.85 | ||
| Cash Conversion | 66.86% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0.13 |
F-Score4
WACC1.81%
ROIC/WACC0.33
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)-16.46%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%185.71%
EPS Next Y-17.18%
EPS Next 2Y1.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.82%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%24.31%
Revenue Next Year12.3%
Revenue Next 2Y13.2%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-20%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1321.83%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-67.11%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y-16.55%
OCF growth 3Y-21.31%
OCF growth 5Y-15.59%