GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GDOT - US39304D1028 - Common Stock
12.57 USD
+0.27 (+2.2%)
12.25 USD
-0.32 (-2.55%)
Overall GDOT gets a fundamental rating of 3 out of 10. We evaluated GDOT against 55 industry peers in the Consumer Finance industry. GDOT has a bad profitability rating. Also its financial health evaluation is rather negative. GDOT has a correct valuation and a medium growth rate.
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.
Each year in the past 5 years GDOT had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.43%, GDOT is doing worse than 83.64% of the companies in the same industry.
GDOT's Return On Equity of -2.61% is on the low side compared to the rest of the industry. GDOT is outperformed by 83.64% of its industry peers.
GDOT's Return On Invested Capital of 1.35% is in line compared to the rest of the industry. GDOT outperforms 47.27% of its industry peers.
GDOT had an Average Return On Invested Capital over the past 3 years of 0.95%. This is significantly below the industry average of 11.33%.
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
GDOT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GDOT is higher compared to a year ago.
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.
GDOT has a Altman-Z score of 0.36. This is comparable to the rest of the industry: GDOT outperforms 45.45% of its industry peers.
The Debt to FCF ratio of GDOT is 74.44, which is on the high side as it means it would take GDOT, 74.44 years of fcf income to pay off all of its debts.
GDOT's Debt to FCF ratio of 74.44 is in line compared to the rest of the industry. GDOT outperforms 43.64% of its industry peers.
A Debt/Equity ratio of 4.52 is on the high side and indicates that GDOT has dependencies on debt financing.
The Debt to Equity ratio of GDOT (4.52) is worse than 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 74.44 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.5
WACC2.7%
2.3 Liquidity
GDOT has a Current 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 Current ratio, with a value of 0.69, GDOT is in line with its industry, outperforming 41.82% 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.
The Quick ratio of GDOT (0.69) is comparable to the rest of the industry.
| 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 72.97%, 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.
GDOT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.82%.
The Revenue has been growing by 9.23% on average over the past years. This is quite good.
EPS 1Y (TTM)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
Revenue 1Y (TTM)14.82%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
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
A Price/Earnings ratio of 6.55 indicates a rather cheap valuation of GDOT.
74.55% of the companies in the same industry are more expensive than GDOT, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.31. GDOT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.36, which indicates a very decent 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 65.45% 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 (36.59), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.55 | ||
| Fwd PE | 8.36 |
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 | 12.47 | ||
| EV/EBITDA | -9.21 |
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)12.81
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 |
12.57
+0.27 (+2.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.46%
Inst Owner Change0.35%
Ins Owners1.63%
Ins Owner Change1.09%
Market Cap696.63M
Revenue(TTM)1.72B
Net Income(TTM)-23.99M
Analysts80
Price Target19.38 (54.18%)
Short Float %2.76%
Short Ratio2.09
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)26.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.55 | ||
| Fwd PE | 8.36 | ||
| P/S | 0.36 | ||
| P/FCF | 12.47 | ||
| P/OCF | 5.04 | ||
| P/B | 0.76 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | -9.21 |
EPS(TTM)1.92
EY15.27%
EPS(NY)1.5
Fwd EY11.96%
FCF(TTM)1.01
FCFY8.02%
OCF(TTM)2.49
OCFY19.82%
SpS34.79
BVpS16.62
TBVpS9.65
PEG (NY)12.81
PEG (5Y)N/A
Graham Number26.79
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 | 2.9% |
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 | 74.44 | ||
| Debt/EBITDA | 24.46 | ||
| Cap/Depr | 98.67% | ||
| Cap/Sales | 4.26% | ||
| Interest Coverage | 6.6 | ||
| Cash Conversion | 81.17% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.69 | ||
| Altman-Z | 0.36 |
F-Score6
WACC2.7%
ROIC/WACC0.5
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 Y0.51%
EPS Next 2Y4.73%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)14.82%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
Revenue Next Year21.71%
Revenue Next 2Y16.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y445.31%
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-57.69%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y-36.66%
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 6.55 and the Price/Book (PB) ratio is 0.76.
Can you provide the financial health for GDOT stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 1 / 10.