GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
NYSE:GDOT - New York Stock Exchange, Inc. - US39304D1028 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to GDOT. GDOT was compared to 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.
Of the past 5 years GDOT 4 years were profitable.
In the past 5 years GDOT always reported a positive cash flow from operatings.
1.2 Ratios
GDOT's Return On Assets of -0.49% is on the low side compared to the rest of the industry. GDOT is outperformed by 75.47% of its industry peers.
GDOT has a Return On Equity of -3.06%. This is in the lower half of the industry: GDOT underperforms 75.47% of its industry peers.
GDOT has a Return On Invested Capital (0.71%) which is in line with its industry peers.
GDOT had an Average Return On Invested Capital over the past 3 years of 1.02%. This is significantly below the industry average of 7.73%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.49% | ||
| ROE | -3.06% | ||
| ROIC | 0.71% |
ROA(3y)0.33%
ROA(5y)0.51%
ROE(3y)1.97%
ROE(5y)2.51%
ROIC(3y)1.02%
ROIC(5y)1.07%
1.3 Margins
With a Operating Margin value of 2.57%, GDOT perfoms like the industry average, outperforming 41.51% 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 | 2.57% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-14.31%
OM growth 5Y-23.42%
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
GDOT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GDOT is higher compared to a year ago.
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.
The Altman-Z score of GDOT (0.13) is worse than 64.15% of its industry peers.
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 71.70% of its industry peers.
A Debt/Equity ratio of 4.65 is on the high side and indicates that GDOT has dependencies on debt financing.
The Debt to Equity ratio of GDOT (4.65) is worse than 73.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.65 | ||
| Debt/FCF | 572.03 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.39
WACC1.82%
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 has a worse Quick ratio (0.54) than 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.
GDOT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.01% yearly.
The Revenue has grown by 14.82% in the past year. This is quite good.
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%23.41%
3.2 Future
GDOT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.11% yearly.
GDOT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.33% yearly.
EPS Next Y12.07%
EPS Next 2Y16.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.32%
Revenue Next 2Y12.33%
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.
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
With a Price/Earnings ratio of 5.45, the valuation of GDOT can be described as very cheap.
Based on the Price/Earnings ratio, GDOT is valued cheaper than 88.68% of the companies in the same industry.
GDOT is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
GDOT is valuated cheaply with a Price/Forward Earnings ratio of 4.86.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GDOT indicates a rather cheap valuation: GDOT is cheaper than 92.45% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.45 | ||
| Fwd PE | 4.86 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GDOT is valued a bit more expensive than 69.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 57.01 | ||
| EV/EBITDA | -9.21 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GDOT's earnings are expected to grow with 16.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y16.11%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
7.46
+0.09 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners94.15%
Inst Owner Change15.23%
Ins Owners1.14%
Ins Owner Change-8.29%
Market Cap404.56M
Analysts48
Price Target9.95 (33.38%)
Short Float %4.61%
Short Ratio4.53
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)3.47%
Min Revenue beat(2)2.33%
Max Revenue beat(2)4.61%
Revenue beat(4)4
Avg Revenue beat(4)3.93%
Min Revenue beat(4)2.33%
Max Revenue beat(4)5.33%
Revenue beat(8)8
Avg Revenue beat(8)4.14%
Revenue beat(12)11
Avg Revenue beat(12)3.31%
Revenue beat(16)15
Avg Revenue beat(16)4.79%
PT rev (1m)-23.53%
PT rev (3m)-23.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)-0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.45 | ||
| Fwd PE | 4.86 | ||
| P/S | 0.23 | ||
| P/FCF | 57.01 | ||
| P/OCF | 4.97 | ||
| P/B | 0.46 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | -9.21 |
EPS(TTM)1.37
EY18.36%
EPS(NY)1.54
Fwd EY20.58%
FCF(TTM)0.13
FCFY1.75%
OCF(TTM)1.5
OCFY20.12%
SpS31.79
BVpS16.11
TBVpS8.77
PEG (NY)0.45
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.49% | ||
| ROE | -3.06% | ||
| ROCE | 4.75% | ||
| ROIC | 0.71% | ||
| ROICexc | 1.05% | ||
| ROICexgc | 1.19% | ||
| OM | 2.57% | ||
| 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)1.02%
ROIC(5y)1.07%
ROICexc(3y)1.32%
ROICexc(5y)1.5%
ROICexgc(3y)1.51%
ROICexgc(5y)1.77%
ROCE(3y)6.65%
ROCE(5y)6.22%
ROICexcg growth 3Y-12.63%
ROICexcg growth 5Y-39.15%
ROICexc growth 3Y-11.49%
ROICexc growth 5Y-32.74%
OM growth 3Y-14.31%
OM growth 5Y-23.42%
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 | 31.48 | ||
| Cap/Depr | 87.71% | ||
| Cap/Sales | 4.31% | ||
| Interest Coverage | 3.41 | ||
| Cash Conversion | 63.11% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0.13 |
F-Score4
WACC1.82%
ROIC/WACC0.39
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 Y12.07%
EPS Next 2Y16.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.82%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.41%
Revenue Next Year11.32%
Revenue Next 2Y12.33%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.39%
EBIT growth 3Y-8.87%
EBIT growth 5Y-16.36%
EBIT Next Year1560.19%
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%