GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - NYSE:GDOT - US39304D1028 - Common Stock
11.8 USD
+0.85 (+7.76%)
12.03 USD
+0.23 (+1.95%)
GDOT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. GDOT has a bad profitability rating. Also its financial health evaluation is rather negative. GDOT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GDOT had positive earnings in the past year.
GDOT had a positive operating cash flow in the past year.
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 (-0.43%) is worse than 83.64% of its industry peers.
With a Return On Equity value of -2.61%, GDOT is not doing good in the industry: 83.64% of the companies in the same industry are doing better.
GDOT has a Return On Invested Capital of 1.35%. This is comparable to the rest of the industry: GDOT outperforms 47.27% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 11.61%.
The last Return On Invested Capital (1.35%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.43% | ||
| ROE | -2.61% | ||
| ROIC | 1.35% |
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
Looking at the Operating Margin, with a value of 4.50%, GDOT is in line with its industry, outperforming 41.82% of the companies in the same industry.
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 | 4.5% | ||
| 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
GDOT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
GDOT has an Altman-Z score of 0.35. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
GDOT has a Altman-Z score of 0.35. This is in the lower half of the industry: GDOT underperforms 60.00% of its industry peers.
The Debt to FCF ratio of GDOT is 74.44, which is on the high side as it means it would take GDOT, 74.44 years of fcf income to pay off all of its debts.
GDOT has a Debt to FCF ratio (74.44) which is comparable to the rest of the industry.
A Debt/Equity ratio of 4.52 is on the high side and indicates that GDOT has dependencies on debt financing.
With a Debt to Equity ratio value of 4.52, GDOT is not doing good in the industry: 67.27% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 74.44 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.52
WACC2.59%
2.3 Liquidity
GDOT has a Current Ratio of 0.69. 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 has a Current ratio of 0.69. This is comparable to the rest of the industry: GDOT outperforms 41.82% of its industry peers.
A Quick Ratio of 0.69 indicates that GDOT may have some problems paying its short term obligations.
With a Quick ratio value of 0.69, GDOT perfoms like the industry average, outperforming 41.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.69 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 72.97% over the past year.
GDOT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.01% yearly.
Looking at the last year, GDOT shows a quite strong growth in Revenue. The Revenue has grown by 14.82% in the last year.
The Revenue has been growing by 9.23% on average over the past years. This is quite good.
EPS 1Y (TTM)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
Revenue 1Y (TTM)14.82%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
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 16.56% yearly.
EPS Next Y0.51%
EPS Next 2Y4.73%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year21.71%
Revenue Next 2Y16.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 6.15 indicates a rather cheap valuation of GDOT.
Based on the Price/Earnings ratio, GDOT is valued a bit cheaper than 76.36% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.07. GDOT is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.85 indicates a rather cheap valuation of GDOT.
67.27% of the companies in the same industry are more expensive than GDOT, based on the Price/Forward Earnings ratio.
GDOT is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.15 | ||
| Fwd PE | 7.85 |
4.2 Price Multiples
GDOT's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.7 | ||
| EV/EBITDA | -9.66 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)12.03
PEG (5Y)N/A
EPS Next 2Y4.73%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
11.8
+0.85 (+7.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.46%
Inst Owner Change-1.93%
Ins Owners1.63%
Ins Owner Change3.16%
Market Cap653.60M
Revenue(TTM)1.72B
Net Income(TTM)-23.99M
Analysts80
Price Target19.38 (64.24%)
Short Float %2.76%
Short Ratio2.09
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)82.41%
Min EPS beat(2)46.95%
Max EPS beat(2)117.87%
EPS beat(4)3
Avg EPS beat(4)37.87%
Min EPS beat(4)-24.23%
Max EPS beat(4)117.87%
EPS beat(8)4
Avg EPS beat(8)10.83%
EPS beat(12)7
Avg EPS beat(12)15.11%
EPS beat(16)10
Avg EPS beat(16)14.83%
Revenue beat(2)2
Avg Revenue beat(2)4.17%
Min Revenue beat(2)0.47%
Max Revenue beat(2)7.87%
Revenue beat(4)4
Avg Revenue beat(4)4.01%
Min Revenue beat(4)0.47%
Max Revenue beat(4)7.87%
Revenue beat(8)8
Avg Revenue beat(8)3.74%
Revenue beat(12)12
Avg Revenue beat(12)4.06%
Revenue beat(16)15
Avg Revenue beat(16)3.96%
PT rev (1m)5.56%
PT rev (3m)52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-125%
EPS NY rev (1m)0%
EPS NY rev (3m)8.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.15 | ||
| Fwd PE | 7.85 | ||
| P/S | 0.34 | ||
| P/FCF | 11.7 | ||
| P/OCF | 4.73 | ||
| P/B | 0.71 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | -9.66 |
EPS(TTM)1.92
EY16.27%
EPS(NY)1.5
Fwd EY12.74%
FCF(TTM)1.01
FCFY8.55%
OCF(TTM)2.49
OCFY21.13%
SpS34.8
BVpS16.63
TBVpS9.66
PEG (NY)12.03
PEG (5Y)N/A
Graham Number26.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.43% | ||
| ROE | -2.61% | ||
| ROCE | 8.75% | ||
| ROIC | 1.35% | ||
| ROICexc | 2.47% | ||
| ROICexgc | 2.87% | ||
| OM | 4.5% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 2.9% |
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%
ROICexgc growth 3Y-21.13%
ROICexgc 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 Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 74.44 | ||
| Debt/EBITDA | 24.46 | ||
| Cap/Depr | 98.67% | ||
| Cap/Sales | 4.26% | ||
| Interest Coverage | 6.6 | ||
| Cash Conversion | 81.17% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.69 | ||
| Altman-Z | 0.35 |
F-Score6
WACC2.59%
ROIC/WACC0.52
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)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
EPS Next Y0.51%
EPS Next 2Y4.73%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)14.82%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
Revenue Next Year21.71%
Revenue Next 2Y16.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y445.31%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1452.78%
EBIT Next 3Y167.2%
EBIT Next 5YN/A
FCF growth 1Y-57.69%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y-36.66%
OCF growth 3Y-21.31%
OCF growth 5Y-15.59%
GREEN DOT CORP-CLASS A / GDOT FAQ
What is the ChartMill fundamental rating of GREEN DOT CORP-CLASS A (GDOT) stock?
ChartMill assigns a fundamental rating of 3 / 10 to GDOT.
What is the valuation status of GREEN DOT CORP-CLASS A (GDOT) stock?
ChartMill assigns a valuation rating of 5 / 10 to GREEN DOT CORP-CLASS A (GDOT). This can be considered as Fairly Valued.
What is the profitability of GDOT stock?
GREEN DOT CORP-CLASS A (GDOT) has a profitability rating of 3 / 10.
What are the PE and PB ratios of GREEN DOT CORP-CLASS A (GDOT) stock?
The Price/Earnings (PE) ratio for GREEN DOT CORP-CLASS A (GDOT) is 6.15 and the Price/Book (PB) ratio is 0.71.
Can you provide the financial health for GDOT stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 1 / 10.