GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - NYSE:GDOT - US39304D1028 - Common Stock
10.95 USD
+0.21 (+1.96%)
10.95 USD
0 (0%)
Taking everything into account, GDOT scores 3 out of 10 in our fundamental rating. GDOT was compared to 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
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.
Each year in the past 5 years GDOT had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.43%, GDOT is doing worse than 83.64% of the companies in the same industry.
GDOT has a worse Return On Equity (-2.61%) than 83.64% of its industry peers.
GDOT has a Return On Invested Capital (1.35%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GDOT is significantly below the industry average of 11.61%.
The 3 year average ROIC (0.95%) for GDOT is below the current ROIC(1.35%), indicating increased profibility in the last year.
| 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
GDOT's Operating Margin of 4.50% is in line compared to the rest of the industry. GDOT outperforms 41.82% of its industry peers.
GDOT's Operating Margin has declined in the last couple of years.
GDOT does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| 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
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
Compared to 1 year ago, GDOT has a worse debt to assets ratio.
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's Altman-Z score of 0.35 is on the low side compared to the rest of the industry. GDOT is outperformed by 60.00% of its industry peers.
GDOT has a debt to FCF ratio of 74.44. This is a negative value and a sign of low solvency as GDOT would need 74.44 years to pay back of 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.
GDOT's Debt to Equity ratio of 4.52 is on the low side compared to the rest of the industry. GDOT is outperformed by 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 74.44 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.55
WACC2.45%
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.
The Current ratio of GDOT (0.69) is comparable to the rest of the industry.
GDOT has a Quick 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.
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
GDOT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 72.97%, which is quite impressive.
The earnings per share for GDOT have been decreasing by -13.01% on average. This is quite bad
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)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
The Earnings Per Share is expected to grow by 6.67% on average over the next years.
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.
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 5.70 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.
Based on the Price/Forward Earnings ratio of 7.29, the valuation of GDOT can be described as very cheap.
GDOT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GDOT is cheaper than 70.91% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.08. GDOT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.7 | ||
| Fwd PE | 7.29 |
4.2 Price Multiples
GDOT's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.85 | ||
| EV/EBITDA | -9.72 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GDOT does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)11.16
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 |
10.95
+0.21 (+1.96%)
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 Cap606.52M
Revenue(TTM)1.72B
Net Income(TTM)-23.99M
Analysts80
Price Target19.38 (76.99%)
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 | 5.7 | ||
| Fwd PE | 7.29 | ||
| P/S | 0.31 | ||
| P/FCF | 10.85 | ||
| P/OCF | 4.39 | ||
| P/B | 0.66 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | -9.72 |
EPS(TTM)1.92
EY17.53%
EPS(NY)1.5
Fwd EY13.72%
FCF(TTM)1.01
FCFY9.21%
OCF(TTM)2.49
OCFY22.77%
SpS34.8
BVpS16.63
TBVpS9.66
PEG (NY)11.16
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
WACC2.45%
ROIC/WACC0.55
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 5.7 and the Price/Book (PB) ratio is 0.66.
Can you provide the financial health for GDOT stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 1 / 10.