GREEN DOT CORP-CLASS A (GDOT)
US39304D1028 - Common Stock
We assign a fundamental rating of 3 out of 10 to GDOT. GDOT was compared to 52 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.
In the past year GDOT had a positive cash flow from operations.
Each year in the past 5 years GDOT has been profitable.
Each year in the past 5 years GDOT had a positive operating cash flow.
1.2 Ratios
The Return On Assets of GDOT (-1.05%) is worse than 75.00% of its industry peers.
With a Return On Equity value of -5.94%, GDOT is not doing good in the industry: 78.85% of the companies in the same industry are doing better.
GDOT has a Return On Invested Capital (0.26%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 7.32%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.05% | ||
| ROE | -5.94% | ||
| ROIC | 0.26% |
ROA(3y)0.82%
ROA(5y)1.42%
ROE(3y)4.46%
ROE(5y)5.28%
ROIC(3y)0.89%
ROIC(5y)1.39%
1.3 Margins
In the last couple of years the Profit Margin of GDOT has declined.
With a Operating Margin value of 1.27%, GDOT is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
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 | 1.27% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-28.5%
OM growth 5Y-34.2%
PM growth 3Y-37.32%
PM growth 5Y-47.42%
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
Compared to 5 years ago, GDOT has about the same amount of shares outstanding.
GDOT has a better debt/assets ratio than last year.
2.2 Solvency
GDOT has an Altman-Z score of 0.12. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.12, GDOT perfoms like the industry average, outperforming 40.38% of the companies in the same industry.
GDOT has a Debt/Equity ratio of 4.16. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.16, GDOT is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.16 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.12 |
ROIC/WACC0.11
WACC2.41%
2.3 Liquidity
A Current Ratio of 0.52 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Current ratio of 0.52 is on the low side compared to the rest of the industry. GDOT is outperformed by 63.46% of its industry peers.
GDOT has a Quick Ratio of 0.52. 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 0.52, GDOT is not doing good in the industry: 63.46% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 |
3. Growth
3.1 Past
GDOT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.67%.
GDOT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.00% yearly.
Looking at the last year, GDOT shows a quite strong growth in Revenue. The Revenue has grown by 10.64% in the last year.
GDOT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.10% yearly.
EPS 1Y (TTM)-39.67%
EPS 3Y-8.2%
EPS 5Y-13%
EPS Q2Q%-7.14%
Revenue 1Y (TTM)10.64%
Revenue growth 3Y6.19%
Revenue growth 5Y7.1%
Sales Q2Q%16.06%
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 4.71% on average per year.
GDOT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.73% yearly.
EPS Next Y-16.56%
EPS Next 2Y-3.24%
EPS Next 3Y4.71%
EPS Next 5YN/A
Revenue Next Year14.49%
Revenue Next 2Y13.24%
Revenue Next 3Y14.73%
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.
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
The Price/Earnings ratio is 9.59, which indicates a very decent valuation of GDOT.
Based on the Price/Earnings ratio, GDOT is valued a bit cheaper than the industry average as 65.38% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of GDOT to the average of the S&P500 Index (27.73), we can say GDOT is valued rather cheaply.
A Price/Forward Earnings ratio of 6.94 indicates a rather cheap valuation of GDOT.
78.85% of the companies in the same industry are more expensive than GDOT, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (22.83), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.59 | ||
| Fwd PE | 6.94 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | -8.63 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.24%
EPS Next 3Y4.71%
5. Dividend
5.1 Amount
No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
GREEN DOT CORP-CLASS A
NYSE:GDOT (12/20/2024, 8:14:20 PM)
After market: 10.65 0 (0%)10.65
-0.03 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners96.74%
Inst Owner Change-1.41%
Ins Owners1.15%
Ins Owner Change1.55%
Market Cap572.86M
Analysts48
Price Target13.01 (22.16%)
Short Float %2.93%
Short Ratio3.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)-8.36%
Min EPS beat(2)-24.23%
Max EPS beat(2)7.5%
EPS beat(4)1
Avg EPS beat(4)-13.9%
Min EPS beat(4)-24.23%
Max EPS beat(4)7.5%
EPS beat(8)3
Avg EPS beat(8)-2.16%
EPS beat(12)6
Avg EPS beat(12)3.83%
EPS beat(16)9
Avg EPS beat(16)11.33%
Revenue beat(2)2
Avg Revenue beat(2)2.88%
Min Revenue beat(2)2.33%
Max Revenue beat(2)3.44%
Revenue beat(4)4
Avg Revenue beat(4)3.27%
Min Revenue beat(4)1.99%
Max Revenue beat(4)5.33%
Revenue beat(8)8
Avg Revenue beat(8)4.08%
Revenue beat(12)11
Avg Revenue beat(12)3.37%
Revenue beat(16)15
Avg Revenue beat(16)5.02%
PT rev (1m)6.25%
PT rev (3m)18.6%
EPS NQ rev (1m)-18.45%
EPS NQ rev (3m)4.25%
EPS NY rev (1m)-6.38%
EPS NY rev (3m)-8.2%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)4.1%
Revenue NY rev (1m)1.12%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.59 | ||
| Fwd PE | 6.94 | ||
| P/S | 0.35 | ||
| P/FCF | N/A | ||
| P/OCF | 8.24 | ||
| P/B | 0.61 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | -8.63 |
EPS(TTM)1.11
EY10.42%
EPS(NY)1.54
Fwd EY14.42%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)1.29
OCFY12.13%
SpS30.39
BVpS17.33
TBVpS9.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.05% | ||
| ROE | -5.94% | ||
| ROCE | 2.12% | ||
| ROIC | 0.26% | ||
| ROICexc | 0.38% | ||
| ROICexgc | 0.44% | ||
| OM | 1.27% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.82%
ROA(5y)1.42%
ROE(3y)4.46%
ROE(5y)5.28%
ROIC(3y)0.89%
ROIC(5y)1.39%
ROICexc(3y)1.16%
ROICexc(5y)2.32%
ROICexgc(3y)1.35%
ROICexgc(5y)3.68%
ROCE(3y)6.9%
ROCE(5y)7.56%
ROICexcg growth 3Y-36.24%
ROICexcg growth 5Y-55.86%
ROICexc growth 3Y-33.8%
ROICexc growth 5Y-46.82%
OM growth 3Y-28.5%
OM growth 5Y-34.2%
PM growth 3Y-37.32%
PM growth 5Y-47.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.16 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 36.33 | ||
| Cap/Depr | 84.33% | ||
| Cap/Sales | 4.44% | ||
| Interest Coverage | 1.7 | ||
| Cash Conversion | 65.05% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.52 | ||
| Quick Ratio | 0.52 | ||
| Altman-Z | 0.12 |
F-Score3
WACC2.41%
ROIC/WACC0.11
Cap/Depr(3y)87.94%
Cap/Depr(5y)85.52%
Cap/Sales(3y)4.96%
Cap/Sales(5y)5.33%
Profit Quality(3y)285.29%
Profit Quality(5y)325.29%
High Growth Momentum
Growth
EPS 1Y (TTM)-39.67%
EPS 3Y-8.2%
EPS 5Y-13%
EPS Q2Q%-7.14%
EPS Next Y-16.56%
EPS Next 2Y-3.24%
EPS Next 3Y4.71%
EPS Next 5YN/A
Revenue 1Y (TTM)10.64%
Revenue growth 3Y6.19%
Revenue growth 5Y7.1%
Sales Q2Q%16.06%
Revenue Next Year14.49%
Revenue Next 2Y13.24%
Revenue Next 3Y14.73%
Revenue Next 5YN/A
EBIT growth 1Y-64.88%
EBIT growth 3Y-24.08%
EBIT growth 5Y-29.52%
EBIT Next Year208.37%
EBIT Next 3Y55.5%
EBIT Next 5YN/A
FCF growth 1Y-101.6%
FCF growth 3Y-47.63%
FCF growth 5Y-35.29%
OCF growth 1Y-74.43%
OCF growth 3Y-22.46%
OCF growth 5Y-17.23%