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 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
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.
GDOT had a positive operating cash flow in each of the past 5 years.
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.
With a Return On Equity value of -0.60%, GDOT is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 1.16%, GDOT perfoms like the industry average, outperforming 46.15% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 10.31%.
The 3 year average ROIC (0.95%) for GDOT is below the current ROIC(1.16%), indicating increased profibility in the last year.
| 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
Looking at the Operating Margin, with a value of 4.15%, GDOT is doing worse than 61.54% of the companies in the same 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 | 4.15% | ||
| 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.
GDOT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, GDOT has more shares outstanding
GDOT has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.22, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
GDOT's Altman-Z score of 0.22 is on the low side compared to the rest of the industry. GDOT is outperformed by 63.46% 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 71.15% of its industry peers.
A Debt/Equity ratio of 4.46 is on the high side and indicates that GDOT has dependencies on debt 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 | 0.22 |
ROIC/WACC0.46
WACC2.49%
2.3 Liquidity
A Current Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
GDOT has a worse Current ratio (0.58) than 61.54% of its industry peers.
A Quick Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Quick ratio of 0.58 is on the low side compared to the rest of the industry. GDOT is outperformed by 61.54% 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.
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 quite strong growth in Revenue. The Revenue has grown by 19.12% in the last year.
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)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
Based on estimates for the next years, GDOT will show a small growth in Earnings Per Share. The EPS will grow by 6.67% on average per year.
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
Based on the Price/Earnings ratio of 6.05, the valuation of GDOT can be described as very cheap.
Based on the Price/Earnings ratio, GDOT is valued cheaply inside the industry as 86.54% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.45. GDOT is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.42, the valuation of GDOT can be described as very cheap.
Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than 71.15% of the companies in the same industry.
GDOT is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.05 | ||
| Fwd PE | 7.42 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GDOT is valued a bit more expensive than 65.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.13 | ||
| EV/EBITDA | -8.2 |
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
GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
11.13
-0.14 (-1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners86.44%
Inst Owner Change-7.88%
Ins Owners1.46%
Ins Owner Change-0.9%
Market Cap610.93M
Analysts74.55
Price Target12.5 (12.31%)
Short Float %2.53%
Short Ratio1.72
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)13.95%
PT rev (3m)25.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.24%
EPS NY rev (1m)0%
EPS NY rev (3m)-17.62%
Revenue NQ rev (1m)2.98%
Revenue NQ rev (3m)7.39%
Revenue NY rev (1m)2.53%
Revenue NY rev (3m)9.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.05 | ||
| Fwd PE | 7.42 | ||
| P/S | 0.33 | ||
| P/FCF | 28.13 | ||
| P/OCF | 6.05 | ||
| P/B | 0.64 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | -8.2 |
EPS(TTM)1.84
EY16.53%
EPS(NY)1.5
Fwd EY13.47%
FCF(TTM)0.4
FCFY3.55%
OCF(TTM)1.84
OCFY16.52%
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 | 0.22 |
F-Score6
WACC2.49%
ROIC/WACC0.46
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%