GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
NYSE:GDOT - New York Stock Exchange, Inc. - US39304D1028 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to GDOT. GDOT was compared to 52 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 valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years GDOT had a positive operating cash flow.
1.2 Ratios
GDOT has a Return On Assets of -0.10%. This is in the lower half of the industry: GDOT underperforms 75.00% of its industry peers.
GDOT has a worse Return On Equity (-0.60%) than 75.00% of its industry peers.
GDOT has a Return On Invested Capital (1.16%) which is comparable to the rest of the 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 10.35%.
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
With a Operating Margin value of 4.15%, GDOT is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GDOT 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
GDOT has an Altman-Z score of 0.21. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
GDOT has a worse Altman-Z score (0.21) than 65.38% of its industry peers.
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 Debt to FCF ratio of 194.78. This is in the lower half of the industry: GDOT underperforms 69.23% 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.
With a Debt to Equity ratio value of 4.46, GDOT is not doing good in the industry: 73.08% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.46 | ||
| Debt/FCF | 194.78 | ||
| Altman-Z | 0.21 |
ROIC/WACC0.51
WACC2.25%
2.3 Liquidity
A Current Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.58, GDOT is doing worse than 61.54% of the companies in the same industry.
GDOT has a Quick Ratio of 0.58. This is a bad value and indicates that GDOT is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.58, GDOT is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 48.39% over the past year.
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.
The Revenue has grown by 19.12% in the past year. This is quite good.
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
The Earnings Per Share is expected to grow by 4.62% on average over the next years.
GDOT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.11% yearly.
EPS Next Y-7.68%
EPS Next 2Y4.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.09%
Revenue Next 2Y15.11%
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.
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
A Price/Earnings ratio of 5.25 indicates a rather cheap valuation of GDOT.
90.38% of the companies in the same industry are more expensive than GDOT, based on the Price/Earnings ratio.
GDOT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.46.
A Price/Forward Earnings ratio of 6.44 indicates a rather cheap valuation of GDOT.
Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than 69.23% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (22.30), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.25 | ||
| Fwd PE | 6.44 |
4.2 Price Multiples
GDOT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GDOT is more expensive than 65.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.42 | ||
| EV/EBITDA | -8.73 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.62%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.66
+0.08 (+0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners94.15%
Inst Owner Change-7.88%
Ins Owners1.14%
Ins Owner Change-4.73%
Market Cap530.24M
Analysts74.55
Price Target10.97 (13.56%)
Short Float %2.88%
Short Ratio1.41
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)0%
PT rev (3m)-15.69%
EPS NQ rev (1m)-28.24%
EPS NQ rev (3m)-35.89%
EPS NY rev (1m)11.47%
EPS NY rev (3m)-17.62%
Revenue NQ rev (1m)4.51%
Revenue NQ rev (3m)6.21%
Revenue NY rev (1m)6.05%
Revenue NY rev (3m)7.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.25 | ||
| Fwd PE | 6.44 | ||
| P/S | 0.29 | ||
| P/FCF | 24.42 | ||
| P/OCF | 5.25 | ||
| P/B | 0.56 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | -8.73 |
EPS(TTM)1.84
EY19.05%
EPS(NY)1.5
Fwd EY15.52%
FCF(TTM)0.4
FCFY4.1%
OCF(TTM)1.84
OCFY19.03%
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
WACC2.25%
ROIC/WACC0.51
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 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.65%
Revenue Next Year19.09%
Revenue Next 2Y15.11%
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%