GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GDOT - US39304D1028 - Common Stock
13.31 USD
-0.27 (-1.99%)
13.3 USD
-0.01 (-0.08%)
GDOT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
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 -0.81%. This is amonst the worse of the industry: GDOT underperforms 83.64% of its industry peers.
Looking at the Return On Equity, with a value of -5.14%, GDOT is doing worse than 89.09% of the companies in the same industry.
With a Return On Invested Capital value of 1.21%, GDOT perfoms like the industry average, outperforming 47.27% 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 12.59%.
The last Return On Invested Capital (1.21%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
| 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
Looking at the Operating Margin, with a value of 3.95%, GDOT is doing worse than 61.82% of the companies in the same industry.
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 | 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GDOT is destroying value.
GDOT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, GDOT has more shares outstanding
GDOT has a worse debt/assets ratio than last year.
2.2 Solvency
GDOT has an Altman-Z score of 0.19. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
GDOT's Altman-Z score of 0.19 is on the low side compared to the rest of the industry. GDOT is outperformed by 61.82% of its industry peers.
The Debt to FCF ratio of GDOT is 43.92, which is on the high side as it means it would take GDOT, 43.92 years of fcf income to pay off all of its debts.
GDOT has a Debt to FCF ratio (43.92) which is comparable to the rest of the industry.
GDOT has a Debt/Equity ratio of 4.69. This is a high value indicating a heavy dependency on external financing.
GDOT has a worse Debt to Equity ratio (4.69) than 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | 43.92 | ||
| Altman-Z | 0.19 |
ROIC/WACC0.42
WACC2.86%
2.3 Liquidity
GDOT has a Current 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.
Looking at the Current ratio, with a value of 0.54, GDOT is doing worse than 61.82% of the companies in the same industry.
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.
GDOT has a worse Quick ratio (0.54) than 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 72.97% 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 23.12%.
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
The Earnings Per Share is expected to grow by 6.67% on average over the next years.
The Revenue is expected to grow by 16.81% on average over the next years. This is quite good.
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
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 6.93, the valuation of GDOT can be described as very cheap.
Based on the Price/Earnings ratio, GDOT is valued a bit cheaper than 72.73% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.54. GDOT is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.76, 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 63.64% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.93 | ||
| Fwd PE | 8.76 |
4.2 Price Multiples
GDOT's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.59 | ||
| EV/EBITDA | -5.03 |
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)1.86
PEG (5Y)N/A
EPS Next 2Y5.33%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
13.31
-0.27 (-1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners91.24%
Inst Owner Change0.31%
Ins Owners1.58%
Ins Owner Change1.02%
Market Cap739.37M
Revenue(TTM)2.01B
Net Income(TTM)-46.94M
Analysts77.78
Price Target16.45 (23.59%)
Short Float %2.94%
Short Ratio1.87
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)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)-15.13%
PT rev (3m)7.5%
EPS NQ rev (1m)-400%
EPS NQ rev (3m)-400%
EPS NY rev (1m)3.21%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)6.04%
Revenue NQ rev (3m)5.76%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.93 | ||
| Fwd PE | 8.76 | ||
| P/S | 0.37 | ||
| P/FCF | 7.59 | ||
| P/OCF | 4.14 | ||
| P/B | 0.81 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | -5.03 |
EPS(TTM)1.92
EY14.43%
EPS(NY)1.52
Fwd EY11.42%
FCF(TTM)1.75
FCFY13.18%
OCF(TTM)3.21
OCFY24.13%
SpS36.24
BVpS16.44
TBVpS9.59
PEG (NY)1.86
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
WACC2.86%
ROIC/WACC0.42
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 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 6.93 and the Price/Book (PB) ratio is 0.81.
Can you provide the financial health for GDOT stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 0 / 10.