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!

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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

With a Return On Assets value of -0.81%, GDOT is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
GDOT has a Return On Equity of -5.14%. This is amonst the worse of the industry: GDOT underperforms 87.04% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.21%, GDOT is in line with its industry, outperforming 44.44% of the companies in the same industry.
GDOT had an Average Return On Invested Capital over the past 3 years of 0.95%. This is significantly below the industry average of 12.42%.
The 3 year average ROIC (0.95%) for GDOT is below the current ROIC(1.21%), indicating increased profibility in the last year.

		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

The Operating Margin of GDOT (3.95%) is worse than 64.81% of its industry peers.
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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
The number of shares outstanding for GDOT has been increased compared to 5 years ago.
Compared to 1 year ago, GDOT has a worse debt to assets ratio.

2.2 Solvency

GDOT has an Altman-Z score of 0.18. 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 0.18 is in line compared to the rest of the industry. GDOT outperforms 40.74% of its industry peers.
GDOT has a debt to FCF ratio of 43.92. This is a negative value and a sign of low solvency as GDOT would need 43.92 years to pay back of all of its debts.
GDOT has a Debt to FCF ratio (43.92) which is in line with its industry peers.
A Debt/Equity ratio of 4.69 is on the high side and indicates that GDOT has dependencies on debt financing.
The Debt to Equity ratio of GDOT (4.69) is worse than 64.81% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.69
Debt/FCF	43.92
Altman-Z	0.18

ROIC/WACC0.45

WACC2.68%

2.3 Liquidity

A Current Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Current ratio of 0.54 is on the low side compared to the rest of the industry. GDOT is outperformed by 61.11% of its industry peers.
A Quick Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.54, GDOT is doing worse than 61.11% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.54
Quick Ratio	0.54

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.
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%.
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)23.12%

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.
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 6.34 indicates a rather cheap valuation of GDOT.
68.52% of the companies in the same industry are more expensive than GDOT, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.32, GDOT is valued rather cheaply.
GDOT is valuated reasonably with a Price/Forward Earnings ratio of 8.01.
66.67% of the companies in the same industry are more expensive than GDOT, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, GDOT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.34
Fwd PE	8.01

4.2 Price Multiples

62.96% of the companies in the same industry are more expensive than GDOT, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	6.94
EV/EBITDA	-5.51

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.7

PEG (5Y)N/A

EPS Next 2Y5.33%

EPS Next 3Y6.67%

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5. Dividend

5.1 Amount

No dividends for GDOT!.

		Industry Rank	Sector Rank
Dividend Yield	0%

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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 for 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 is the financial health of GREEN DOT CORP-CLASS A (GDOT) stock?

The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 0 / 10.

Can you provide the expected EPS growth for GDOT stock?

The Earnings per Share (EPS) of GREEN DOT CORP-CLASS A (GDOT) is expected to grow by 3.74% in the next year.