GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GDOT - US39304D1028 - Common Stock
12.54 USD
-0.22 (-1.72%)
12.54 USD
0 (0%)
Taking everything into account, GDOT scores 3 out of 10 in our fundamental rating. 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 is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
In the past 5 years GDOT always reported a positive cash flow from operatings.
1.2 Ratios
GDOT's Return On Assets of -0.81% is on the low side compared to the rest of the industry. GDOT is outperformed by 83.64% of its industry peers.
With a Return On Equity value of -5.14%, GDOT is not doing good in the industry: 87.27% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 1.21%, GDOT is in line with its industry, outperforming 45.45% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 12.42%.
The 3 year average ROIC (0.95%) for GDOT is below the current ROIC(1.21%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.81% | ||
| ROE | -5.14% | ||
| ROIC | 1.21% |
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 3.95% is on the low side compared to the rest of the industry. GDOT is outperformed by 63.64% 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 | 3.95% | ||
| 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
GDOT has more shares outstanding than it did 5 years ago.
GDOT has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.19, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of GDOT (0.19) is worse than 60.00% of its industry peers.
GDOT has a debt to FCF ratio of 43.92. This is a negative value and a sign of low solvency as GDOT would need 43.92 years to pay back of all of its debts.
GDOT has a Debt to FCF ratio (43.92) which is in line with its industry peers.
A Debt/Equity ratio of 4.69 is on the high side and indicates that GDOT has dependencies on debt financing.
GDOT's Debt to Equity ratio of 4.69 is on the low side compared to the rest of the industry. GDOT is outperformed by 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | 43.92 | ||
| Altman-Z | 0.19 |
ROIC/WACC0.44
WACC2.73%
2.3 Liquidity
A Current Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
GDOT has a worse Current ratio (0.54) than 61.82% of its industry peers.
GDOT has a Quick Ratio of 0.54. 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 0.54, GDOT is not doing good in the industry: 61.82% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
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.
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.
The Revenue has grown by 23.12% in the past year. This is a very strong growth!
GDOT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.23% yearly.
EPS 1Y (TTM)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
Revenue 1Y (TTM)23.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
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 6.67% 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 16.81% on average per year.
EPS Next Y3.74%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year22.23%
Revenue Next 2Y16.81%
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
GDOT is valuated cheaply with a Price/Earnings ratio of 6.53.
GDOT's Price/Earnings ratio is a bit cheaper when compared to the industry. GDOT is cheaper than 72.73% of the companies in the same industry.
When comparing the Price/Earnings ratio of GDOT to the average of the S&P500 Index (27.19), we can say GDOT is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.25, the valuation of GDOT can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 72.73% of the companies listed in the same industry.
GDOT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.53 | ||
| Fwd PE | 8.25 |
4.2 Price Multiples
63.64% of the companies in the same industry are more expensive than GDOT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.15 | ||
| EV/EBITDA | -5.38 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.75
PEG (5Y)N/A
EPS Next 2Y5.33%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
12.54
-0.22 (-1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners91.28%
Inst Owner Change-0.11%
Ins Owners1.58%
Ins Owner Change-0.29%
Market Cap696.60M
Revenue(TTM)2.01B
Net Income(TTM)-46.94M
Analysts77.78
Price Target16.45 (31.18%)
Short Float %2.83%
Short Ratio1.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)141.61%
Min EPS beat(2)117.87%
Max EPS beat(2)165.36%
EPS beat(4)4
Avg EPS beat(4)85.27%
Min EPS beat(4)10.9%
Max EPS beat(4)165.36%
EPS beat(8)5
Avg EPS beat(8)35.68%
EPS beat(12)7
Avg EPS beat(12)26.98%
EPS beat(16)10
Avg EPS beat(16)24.19%
Revenue beat(2)1
Avg Revenue beat(2)0.21%
Min Revenue beat(2)-0.04%
Max Revenue beat(2)0.47%
Revenue beat(4)3
Avg Revenue beat(4)3.42%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.87%
Revenue beat(8)7
Avg Revenue beat(8)3.34%
Revenue beat(12)11
Avg Revenue beat(12)3.86%
Revenue beat(16)14
Avg Revenue beat(16)3.38%
PT rev (1m)0%
PT rev (3m)-10.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-400%
EPS NY rev (1m)0%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.53 | ||
| Fwd PE | 8.25 | ||
| P/S | 0.35 | ||
| P/FCF | 7.15 | ||
| P/OCF | 3.9 | ||
| P/B | 0.76 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | -5.38 |
EPS(TTM)1.92
EY15.31%
EPS(NY)1.52
Fwd EY12.12%
FCF(TTM)1.75
FCFY13.99%
OCF(TTM)3.21
OCFY25.61%
SpS36.24
BVpS16.44
TBVpS9.59
PEG (NY)1.75
PEG (5Y)N/A
Graham Number26.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.81% | ||
| ROE | -5.14% | ||
| ROCE | 8.12% | ||
| ROIC | 1.21% | ||
| ROICexc | 1.76% | ||
| ROICexgc | 1.98% | ||
| OM | 3.95% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 4.84% |
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 | 4.69 | ||
| Debt/FCF | 43.92 | ||
| Debt/EBITDA | 26.26 | ||
| Cap/Depr | 96.95% | ||
| Cap/Sales | 4.02% | ||
| Interest Coverage | 7.13 | ||
| Cash Conversion | 109.48% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0.19 |
F-Score6
WACC2.73%
ROIC/WACC0.44
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 Y3.74%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)23.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
Revenue Next Year22.23%
Revenue Next 2Y16.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y293.87%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1514.98%
EBIT Next 3Y167.2%
EBIT Next 5YN/A
FCF growth 1Y23.64%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y12.92%
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 for 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 is the financial health of GREEN DOT CORP-CLASS A (GDOT) stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 0 / 10.
Can you provide the expected EPS growth for GDOT stock?
The Earnings per Share (EPS) of GREEN DOT CORP-CLASS A (GDOT) is expected to grow by 3.74% in the next year.