GREEN DOT CORP-CLASS A (GDOT)
US39304D1028 - Common Stock
Taking everything into account, GDOT scores 3 out of 10 in our fundamental rating. GDOT was compared to 51 industry peers in the Consumer Finance industry. GDOT has a bad profitability rating. Also its financial health evaluation is rather negative. GDOT is valued correctly, but it does not seem to be growing.
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.
GDOT had positive earnings in each of the past 5 years.
Each year in the past 5 years GDOT had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.14%, GDOT is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
With a Return On Equity value of 0.78%, GDOT is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 0.68%, GDOT perfoms like the industry average, outperforming 49.02% of the companies in the same industry.
GDOT had an Average Return On Invested Capital over the past 3 years of 0.89%. This is significantly below the industry average of 6.52%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 0.78% | ||
| ROIC | 0.68% |
ROA(3y)0.82%
ROA(5y)1.42%
ROE(3y)4.46%
ROE(5y)5.28%
ROIC(3y)0.89%
ROIC(5y)1.39%
1.3 Margins
Looking at the Profit Margin, with a value of 0.45%, GDOT is doing worse than 66.67% of the companies in the same industry.
In the last couple of years the Profit Margin of GDOT has declined.
With a Operating Margin value of 3.08%, GDOT perfoms like the industry average, outperforming 43.14% of the companies in the same industry.
GDOT's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.08% | ||
| PM (TTM) | 0.45% | ||
| GM | N/A |
OM growth 3Y-28.5%
OM growth 5Y-34.2%
PM growth 3Y-37.32%
PM growth 5Y-47.42%
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.
GDOT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, GDOT has about the same amount of shares outstanding.
The debt/assets ratio for GDOT has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.07, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of GDOT (0.07) is worse than 64.71% of its industry peers.
GDOT has a debt to FCF ratio of 155.48. This is a negative value and a sign of low solvency as GDOT would need 155.48 years to pay back of all of its debts.
GDOT has a worse Debt to FCF ratio (155.48) than 64.71% of its industry peers.
GDOT has a Debt/Equity ratio of 3.83. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GDOT (3.83) is worse than 68.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.83 | ||
| Debt/FCF | 155.48 | ||
| Altman-Z | 0.07 |
ROIC/WACC0.32
WACC2.12%
2.3 Liquidity
GDOT has a Current Ratio of 0.41. This is a bad value and indicates that GDOT is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of GDOT (0.41) is worse than 68.63% of its industry peers.
GDOT has a Quick Ratio of 0.41. 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 0.41, GDOT is doing worse than 68.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 |
3. Growth
3.1 Past
GDOT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.43%.
GDOT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.00% yearly.
GDOT shows a small growth in Revenue. In the last year, the Revenue has grown by 3.58%.
The Revenue has been growing slightly by 7.10% on average over the past years.
EPS 1Y (TTM)-36.43%
EPS 3Y-8.2%
EPS 5Y-13%
EPS growth Q2Q-58.82%
Revenue 1Y (TTM)3.58%
Revenue growth 3Y6.19%
Revenue growth 5Y7.1%
Revenue growth Q2Q6.91%
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 5.13% on average per year.
Based on estimates for the next years, GDOT will show a small growth in Revenue. The Revenue will grow by 7.86% on average per year.
EPS Next Y-3.46%
EPS Next 2Y5.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.91%
Revenue Next 2Y7.86%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
GDOT is valuated cheaply with a Price/Earnings ratio of 5.62.
76.47% 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 (28.28), we can say GDOT is valued rather cheaply.
The Price/Forward Earnings ratio is 5.82, which indicates a rather cheap valuation of GDOT.
Based on the Price/Forward Earnings ratio, GDOT is valued cheaply inside the industry as 80.39% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (20.88), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.62 | ||
| Fwd PE | 5.82 |
4.2 Price Multiples
64.71% of the companies in the same industry are cheaper than GDOT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.72 | ||
| EV/EBITDA | -1.5 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.13%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
GREEN DOT CORP-CLASS A
NYSE:GDOT (5/3/2024, 7:04:00 PM)
After market: 9.22 0 (0%)9.22
-0.1 (-1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap490.14M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.62 | ||
| Fwd PE | 5.82 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 0.78% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 3.08% | ||
| PM (TTM) | 0.45% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.83 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-36.43%
EPS 3Y-8.2%
EPS 5Y
EPS growth Q2Q
EPS Next Y-3.46%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.58%
Revenue growth 3Y6.19%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y