GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - NYSE:GDOT - US39304D1028 - Common Stock
11.82 USD
+0.26 (+2.25%)
12.01 USD
+0.19 (+1.61%)
We assign a fundamental rating of 3 out of 10 to GDOT. GDOT was compared to 55 industry peers in the Consumer Finance industry. GDOT may be in some trouble as it scores bad on both profitability and health. GDOT is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year GDOT was profitable.
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
Looking at the Return On Assets, with a value of -0.43%, GDOT is doing worse than 81.82% of the companies in the same industry.
The Return On Equity of GDOT (-2.61%) is worse than 81.82% of its industry peers.
With a Return On Invested Capital value of 1.35%, GDOT perfoms like the industry average, outperforming 49.09% 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 11.58%.
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
GDOT's Operating Margin of 4.50% is in line compared to the rest of the industry. GDOT outperforms 43.64% of its industry peers.
In the last couple of years the Operating Margin of GDOT has declined.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GDOT is destroying value.
The number of shares outstanding for GDOT has been increased compared to 1 year ago.
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.
Looking at the Altman-Z score, with a value of 0.35, GDOT is in line with its industry, outperforming 41.82% of the companies in the same industry.
The Debt to FCF ratio of GDOT is 73.36, which is on the high side as it means it would take GDOT, 73.36 years of fcf income to pay off all of its debts.
GDOT's Debt to FCF ratio of 73.36 is in line compared to the rest of the industry. GDOT outperforms 43.64% of its industry peers.
GDOT has a Debt/Equity ratio of 4.52. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GDOT (4.52) is worse than 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 73.36 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.52
WACC2.59%
2.3 Liquidity
A Current Ratio of 0.69 indicates that GDOT may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.69, GDOT is in line with its industry, outperforming 43.64% of the companies in the same 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.
GDOT's Quick ratio of 0.69 is in line compared to the rest of the industry. GDOT outperforms 43.64% of its industry peers.
| 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 77.68%, which is quite impressive.
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 very strong growth in Revenue. The Revenue has grown by 22.16%.
The Revenue has been growing by 9.23% on average over the past years. This is quite good.
EPS 1Y (TTM)77.68%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%60%
Revenue 1Y (TTM)22.16%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.84%
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
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.
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
With a Price/Earnings ratio of 5.94, the valuation of GDOT can be described as very cheap.
GDOT's Price/Earnings ratio is a bit cheaper when compared to the industry. GDOT is cheaper than 74.55% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.28. GDOT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.87, which indicates a rather cheap valuation of GDOT.
Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than the industry average as 65.45% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (33.61), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.94 | ||
| Fwd PE | 7.87 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as GDOT.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.55 | ||
| EV/EBITDA | -9.47 |
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)11.62
PEG (5Y)N/A
EPS Next 2Y4.73%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
11.82
+0.26 (+2.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.46%
Inst Owner Change0.46%
Ins Owners1.63%
Ins Owner Change2.45%
Market Cap654.71M
Revenue(TTM)1.93B
Net Income(TTM)-23.99M
Analysts80
Price Target19.38 (63.96%)
Short Float %3.1%
Short Ratio2.34
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 | 5.94 | ||
| Fwd PE | 7.87 | ||
| P/S | 0.34 | ||
| P/FCF | 11.55 | ||
| P/OCF | 4.73 | ||
| P/B | 0.71 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | -9.47 |
EPS(TTM)1.99
EY16.84%
EPS(NY)1.5
Fwd EY12.71%
FCF(TTM)1.02
FCFY8.66%
OCF(TTM)2.5
OCFY21.14%
SpS34.8
BVpS16.63
TBVpS9.66
PEG (NY)11.62
PEG (5Y)N/A
Graham Number27.28
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 | 2.94% |
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 | 73.36 | ||
| Debt/EBITDA | 24.49 | ||
| Cap/Depr | 98.38% | ||
| Cap/Sales | 4.24% | ||
| Interest Coverage | 6.6 | ||
| Cash Conversion | 81.49% | ||
| 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)77.68%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%60%
EPS Next Y0.51%
EPS Next 2Y4.73%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)22.16%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.84%
Revenue Next Year21.71%
Revenue Next 2Y16.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y425.63%
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-57.07%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y-36.51%
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 5.94 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.