GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - NYSE:GDOT - US39304D1028 - Common Stock
12.93 USD
-0.13 (-1%)
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 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
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.
GDOT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GDOT has a Return On Assets of -0.43%. This is amonst the worse of the industry: GDOT underperforms 80.00% of its industry peers.
GDOT has a worse Return On Equity (-2.61%) than 80.00% of its industry peers.
The Return On Invested Capital of GDOT (1.35%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for GDOT is significantly below the industry average of 10.99%.
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
Looking at the Operating Margin, with a value of 4.50%, GDOT is in line with its industry, outperforming 41.82% 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 | 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.
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 0.36, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of GDOT (0.36) is comparable to the rest of the industry.
GDOT has a debt to FCF ratio of 73.36. This is a negative value and a sign of low solvency as GDOT would need 73.36 years to pay back of all of its debts.
GDOT has a Debt to FCF ratio (73.36) 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 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 73.36 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.48
WACC2.78%
2.3 Liquidity
A Current Ratio of 0.69 indicates that GDOT may have some problems paying its short term obligations.
With a Current ratio value of 0.69, GDOT perfoms like the industry average, outperforming 43.64% of the companies in the same industry.
A Quick Ratio of 0.69 indicates that GDOT may have some problems paying its short term obligations.
With a Quick ratio value of 0.69, GDOT perfoms like the industry average, outperforming 43.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.69 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 77.68% over the past year.
The earnings per share for GDOT have been decreasing by -13.01% on average. This is quite bad
GDOT shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.16%.
Measured over the past years, GDOT shows a quite strong growth in Revenue. The Revenue has been growing by 9.23% on average per year.
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.
Based on estimates for the next years, GDOT will show a quite strong growth in Revenue. The Revenue will grow by 16.56% on average per year.
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.
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 6.50, which 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.
GDOT is valuated cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.60, which indicates a very decent valuation of GDOT.
GDOT's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (23.09), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 8.6 |
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 | 12.63 | ||
| EV/EBITDA | -8.98 |
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)12.72
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 |
NYSE:GDOT (10/28/2025, 1:34:57 PM)
12.93
-0.13 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.46%
Inst Owner Change-0.14%
Ins Owners1.63%
Ins Owner Change2.35%
Market Cap716.19M
Revenue(TTM)1.93B
Net Income(TTM)-23989000
Analysts80
Price Target18.36 (42%)
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)0%
PT rev (3m)44%
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 | 6.5 | ||
| Fwd PE | 8.6 | ||
| P/S | 0.37 | ||
| P/FCF | 12.63 | ||
| P/OCF | 5.17 | ||
| P/B | 0.78 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | -8.98 |
EPS(TTM)1.99
EY15.39%
EPS(NY)1.5
Fwd EY11.62%
FCF(TTM)1.02
FCFY7.92%
OCF(TTM)2.5
OCFY19.33%
SpS34.8
BVpS16.63
TBVpS9.66
PEG (NY)12.72
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 | 0.36 |
F-Score6
WACC2.78%
ROIC/WACC0.48
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 4 / 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 6.5 and the Price/Book (PB) ratio is 0.78.
Can you provide the financial health for GDOT stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 1 / 10.