GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - NYSE:GDOT - US39304D1028 - Common Stock
13.08 USD
+0.1 (+0.77%)
13.08 USD
0 (0%)
Overall GDOT gets a fundamental rating of 3 out of 10. We evaluated GDOT against 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of GDOT have multiple concerns. GDOT is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
GDOT had positive earnings in the past year.
GDOT had a positive operating cash flow in the past year.
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
The Return On Assets of GDOT (-0.43%) is worse than 80.00% of its industry peers.
GDOT has a Return On Equity of -2.61%. This is amonst the worse of the industry: GDOT underperforms 80.00% 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 49.09% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 10.99%.
The 3 year average ROIC (0.95%) for GDOT is below the current ROIC(1.35%), indicating increased profibility in the last year.
| 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
Looking at the Operating Margin, with a value of 4.50%, GDOT is in line with its industry, outperforming 41.82% 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 | 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
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.
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
GDOT has an Altman-Z score of 0.36. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
GDOT has a Altman-Z score (0.36) which is comparable to the rest of the industry.
The Debt to FCF ratio of GDOT is 73.36, which is on the high side as it means it would take GDOT, 73.36 years of fcf income to pay off all of its debts.
GDOT's Debt to FCF ratio of 73.36 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.
Looking at the Debt to Equity ratio, with a value of 4.52, GDOT is doing worse than 65.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 73.36 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.48
WACC2.79%
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.
GDOT has a Current ratio (0.69) which 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 43.64% of the companies in the same 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 77.68%, which is quite impressive.
The earnings per share for GDOT have been decreasing by -13.01% on average. This is quite bad
Looking at the last year, GDOT shows a very strong growth in Revenue. The Revenue has grown by 22.16%.
Measured over the past years, GDOT shows a quite strong growth in Revenue. The Revenue has been growing by 9.23% on average per year.
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
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 16.56% on average over the next years. This is quite good.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.57, which indicates a rather cheap valuation of GDOT.
Compared to the rest of the industry, the Price/Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 76.36% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.89. GDOT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.70, which indicates a very decent valuation of GDOT.
GDOT's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.57 | ||
| Fwd PE | 8.7 |
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 | 12.78 | ||
| EV/EBITDA | -8.98 |
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)12.86
PEG (5Y)N/A
EPS Next 2Y4.73%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
13.08
+0.1 (+0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.46%
Inst Owner Change-0.14%
Ins Owners1.63%
Ins Owner Change2.35%
Market Cap724.50M
Revenue(TTM)1.93B
Net Income(TTM)-23989000
Analysts80
Price Target18.36 (40.37%)
Short Float %3.01%
Short Ratio2.28
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)0%
PT rev (3m)44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-125%
EPS NY rev (1m)0%
EPS NY rev (3m)8.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.57 | ||
| Fwd PE | 8.7 | ||
| P/S | 0.38 | ||
| P/FCF | 12.78 | ||
| P/OCF | 5.23 | ||
| P/B | 0.79 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | -8.98 |
EPS(TTM)1.99
EY15.21%
EPS(NY)1.5
Fwd EY11.49%
FCF(TTM)1.02
FCFY7.83%
OCF(TTM)2.5
OCFY19.1%
SpS34.8
BVpS16.63
TBVpS9.66
PEG (NY)12.86
PEG (5Y)N/A
Graham Number27.28
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%
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 | 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 | 0.36 |
F-Score6
WACC2.79%
ROIC/WACC0.48
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 2Y4.73%
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 2Y16.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y425.63%
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-57.07%
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%
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 4 / 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 6.57 and the Price/Book (PB) ratio is 0.79.
Can you provide the financial health for GDOT stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 1 / 10.