GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
NYSE:GDOT - New York Stock Exchange, Inc. - US39304D1028 - Common Stock - Currency: USD
Overall GDOT gets a fundamental rating of 3 out of 10. We evaluated GDOT against 53 industry peers in the Consumer Finance industry. GDOT may be in some trouble as it scores bad on both profitability and health. 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.
In the past 5 years GDOT always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.10%, GDOT is doing worse than 73.58% of the companies in the same industry.
Looking at the Return On Equity, with a value of -0.60%, GDOT is doing worse than 73.58% of the companies in the same industry.
GDOT has a Return On Invested Capital of 1.16%. This is comparable to the rest of the industry: GDOT outperforms 47.17% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 10.31%.
The last Return On Invested Capital (1.16%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -0.6% | ||
| ROIC | 1.16% |
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 of 4.15%. This is in the lower half of the industry: GDOT underperforms 60.38% of its industry peers.
In the last couple of years the Operating Margin of GDOT has declined.
GDOT does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.15% | ||
| 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.
The number of shares outstanding for GDOT has been increased compared to 1 year ago.
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
Based on the Altman-Z score of 0.21, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.21, GDOT is doing worse than 62.26% of the companies in the same industry.
The Debt to FCF ratio of GDOT is 194.78, which is on the high side as it means it would take GDOT, 194.78 years of fcf income to pay off all of its debts.
GDOT has a worse Debt to FCF ratio (194.78) than 69.81% of its industry peers.
GDOT has a Debt/Equity ratio of 4.46. This is a high value indicating a heavy dependency on external financing.
GDOT has a worse Debt to Equity ratio (4.46) than 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.46 | ||
| Debt/FCF | 194.78 | ||
| Altman-Z | 0.21 |
ROIC/WACC0.49
WACC2.38%
2.3 Liquidity
A Current Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Current ratio of 0.58 is on the low side compared to the rest of the industry. GDOT is outperformed by 60.38% of its industry peers.
A Quick Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
GDOT has a worse Quick ratio (0.58) than 60.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 |
3. Growth
3.1 Past
GDOT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.39%, which is quite impressive.
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.
GDOT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.12%.
The Revenue has been growing by 9.23% on average over the past years. This is quite good.
EPS 1Y (TTM)48.39%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%79.66%
Revenue 1Y (TTM)19.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.65%
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 17.28% on average over the next years. This is quite good.
EPS Next Y-7.68%
EPS Next 2Y4.62%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year22.11%
Revenue Next 2Y17.28%
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 5.66, the valuation of GDOT can be described as very cheap.
84.91% of the companies in the same industry are more expensive than GDOT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of GDOT to the average of the S&P500 Index (28.04), we can say GDOT is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.95, the valuation of GDOT can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 77.36% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.64. GDOT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.66 | ||
| Fwd PE | 6.95 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GDOT is valued a bit more expensive than 64.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.34 | ||
| EV/EBITDA | -8.44 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.62%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.42
+0.16 (+1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners86.44%
Inst Owner Change0.48%
Ins Owners1.46%
Ins Owner Change6.08%
Market Cap571.95M
Analysts74.55
Price Target12.75 (22.36%)
Short Float %3.33%
Short Ratio2.18
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)28.93%
Min EPS beat(2)10.9%
Max EPS beat(2)46.95%
EPS beat(4)3
Avg EPS beat(4)10.28%
Min EPS beat(4)-24.23%
Max EPS beat(4)46.95%
EPS beat(8)3
Avg EPS beat(8)-3.91%
EPS beat(12)7
Avg EPS beat(12)8.03%
EPS beat(16)10
Avg EPS beat(16)10.89%
Revenue beat(2)2
Avg Revenue beat(2)6.62%
Min Revenue beat(2)5.37%
Max Revenue beat(2)7.87%
Revenue beat(4)4
Avg Revenue beat(4)4.75%
Min Revenue beat(4)2.33%
Max Revenue beat(4)7.87%
Revenue beat(8)8
Avg Revenue beat(8)4.56%
Revenue beat(12)11
Avg Revenue beat(12)4%
Revenue beat(16)15
Avg Revenue beat(16)4.91%
PT rev (1m)2.04%
PT rev (3m)16.28%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.24%
EPS NY rev (1m)0%
EPS NY rev (3m)11.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.66 | ||
| Fwd PE | 6.95 | ||
| P/S | 0.31 | ||
| P/FCF | 26.34 | ||
| P/OCF | 5.67 | ||
| P/B | 0.6 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | -8.44 |
EPS(TTM)1.84
EY17.66%
EPS(NY)1.5
Fwd EY14.39%
FCF(TTM)0.4
FCFY3.8%
OCF(TTM)1.84
OCFY17.65%
SpS33.35
BVpS17.26
TBVpS10.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -0.6% | ||
| ROCE | 7.45% | ||
| ROIC | 1.16% | ||
| ROICexc | 1.81% | ||
| ROICexgc | 2.05% | ||
| OM | 4.15% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 1.19% |
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 Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.46 | ||
| Debt/FCF | 194.78 | ||
| Debt/EBITDA | 26.62 | ||
| Cap/Depr | 95.45% | ||
| Cap/Sales | 4.33% | ||
| Interest Coverage | 6.46 | ||
| Cash Conversion | 63.51% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 | ||
| Altman-Z | 0.21 |
F-Score6
WACC2.38%
ROIC/WACC0.49
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)48.39%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%79.66%
EPS Next Y-7.68%
EPS Next 2Y4.62%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)19.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.65%
Revenue Next Year22.11%
Revenue Next 2Y17.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y321.42%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1378.45%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.79%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y-61.57%
OCF growth 3Y-21.31%
OCF growth 5Y-15.59%