GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - NYSE:GDOT - US39304D1028 - Common Stock
14.53 USD
+0.74 (+5.37%)
14.7 USD
+0.17 (+1.17%)
Overall GDOT gets a fundamental rating of 3 out of 10. We evaluated GDOT against 54 industry peers in the Consumer Finance industry. GDOT has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
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
GDOT has a worse Return On Assets (-0.43%) than 81.48% of its industry peers.
GDOT has a worse Return On Equity (-2.61%) than 81.48% of its industry peers.
With a Return On Invested Capital value of 1.35%, GDOT perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GDOT is significantly below the industry average of 11.02%.
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 has a Operating Margin (4.50%) which is comparable to the rest of the industry.
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
GDOT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, GDOT has more shares outstanding
Compared to 5 years ago, GDOT has more shares outstanding
The debt/assets ratio for GDOT is higher compared to a year ago.
2.2 Solvency
GDOT has an Altman-Z score of 0.37. 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 0.37, GDOT is in line with its industry, outperforming 40.74% of the companies in the same 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 of 73.36. This is comparable to the rest of the industry: GDOT outperforms 40.74% 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.
With a Debt to Equity ratio value of 4.52, GDOT is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 73.36 | ||
| Altman-Z | 0.37 |
ROIC/WACC0.45
WACC3.02%
2.3 Liquidity
A Current Ratio of 0.69 indicates that GDOT may have some problems paying 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.
Looking at the Quick ratio, with a value of 0.69, GDOT is in line with its industry, outperforming 40.74% 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.
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 22.16% in the past year. This is a very strong growth!
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
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.
GDOT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.86% yearly.
EPS Next Y0.51%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year21.71%
Revenue Next 2Y16.86%
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
With a Price/Earnings ratio of 7.30, the valuation of GDOT can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 77.78% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, GDOT is valued rather cheaply.
A Price/Forward Earnings ratio of 9.56 indicates a reasonable valuation of GDOT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 61.11% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (22.70), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 9.56 |
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 | 14.19 | ||
| EV/EBITDA | -8.75 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)14.29
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 | N/A |
14.53
+0.74 (+5.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.16%
Inst Owner Change2.67%
Ins Owners1.69%
Ins Owner Change5.99%
Market Cap804.82M
Analysts80
Price Target18.36 (26.36%)
Short Float %2.67%
Short Ratio1.83
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)44%
PT rev (3m)46.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-156.39%
EPS NY rev (1m)8.87%
EPS NY rev (3m)8.87%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)5.88%
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)2.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 9.56 | ||
| P/S | 0.42 | ||
| P/FCF | 14.19 | ||
| P/OCF | 5.81 | ||
| P/B | 0.87 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | -8.75 |
EPS(TTM)1.99
EY13.7%
EPS(NY)1.52
Fwd EY10.46%
FCF(TTM)1.02
FCFY7.05%
OCF(TTM)2.5
OCFY17.2%
SpS34.8
BVpS16.63
TBVpS9.66
PEG (NY)14.29
PEG (5Y)N/A
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%
ROICexcg growth 3Y-21.13%
ROICexcg 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 | 0.37 |
F-Score6
WACC3.02%
ROIC/WACC0.45
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 2Y5.33%
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 2Y16.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y425.63%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1380.15%
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%