GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
NYSE:GDOT - US39304D1028 - Common Stock
13.92 USD
+0.38 (+2.81%)
13.92 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to GDOT. GDOT was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of GDOT have multiple concerns. GDOT is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year GDOT was profitable.
GDOT had a positive operating cash flow in the past year.
GDOT had positive earnings in 4 of the past 5 years.
GDOT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GDOT's Return On Assets of -0.43% is on the low side compared to the rest of the industry. GDOT is outperformed by 81.48% of its industry peers.
GDOT has a worse Return On Equity (-2.61%) than 81.48% of its industry peers.
GDOT has a Return On Invested Capital (1.35%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 11.02%.
The last Return On Invested Capital (1.35%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
| 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
GDOT's Operating Margin of 4.50% is in line compared to the rest of the industry. GDOT outperforms 40.74% of its industry peers.
GDOT's Operating Margin has declined in the last couple of years.
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.
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 0.37. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.37, GDOT is in line with its industry, outperforming 40.74% of the companies in the same 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.
Looking at the Debt to FCF ratio, with a value of 73.36, GDOT is in line with its industry, outperforming 40.74% of the companies in the same industry.
A Debt/Equity ratio of 4.52 is on the high side and indicates that GDOT has dependencies on debt financing.
GDOT has a worse Debt to Equity ratio (4.52) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 73.36 | ||
| Altman-Z | 0.37 |
ROIC/WACC0.46
WACC2.95%
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.
A Quick Ratio of 0.69 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Quick ratio of 0.69 is in line compared to the rest of the industry. GDOT outperforms 40.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.69 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 77.68% over the past year.
GDOT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.01% yearly.
Looking at the last year, GDOT shows a very strong growth in Revenue. The Revenue has grown by 22.16%.
GDOT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.23% yearly.
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
The Earnings Per Share is expected to grow by 6.67% 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 17.11% yearly.
EPS Next Y0.51%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year22%
Revenue Next 2Y17.11%
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.
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 6.99, the valuation of GDOT can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 77.78% of the companies listed in the same industry.
GDOT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
With a Price/Forward Earnings ratio of 9.16, the valuation of GDOT can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as GDOT.
When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (22.76), we can say GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.99 | ||
| Fwd PE | 9.16 |
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 | 13.6 | ||
| EV/EBITDA | -8.7 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GDOT does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)13.69
PEG (5Y)N/A
EPS Next 2Y5.33%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
13.92
+0.38 (+2.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.16%
Inst Owner Change2.67%
Ins Owners1.69%
Ins Owner Change5.83%
Market Cap771.03M
Analysts74.55
Price Target15.3 (9.91%)
Short Float %2.88%
Short Ratio1.87
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)20%
PT rev (3m)39.53%
EPS NQ rev (1m)-125%
EPS NQ rev (3m)-156.39%
EPS NY rev (1m)8.87%
EPS NY rev (3m)8.87%
Revenue NQ rev (1m)-0.74%
Revenue NQ rev (3m)6.16%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)2.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.99 | ||
| Fwd PE | 9.16 | ||
| P/S | 0.4 | ||
| P/FCF | 13.6 | ||
| P/OCF | 5.57 | ||
| P/B | 0.84 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | -8.7 |
EPS(TTM)1.99
EY14.3%
EPS(NY)1.52
Fwd EY10.92%
FCF(TTM)1.02
FCFY7.35%
OCF(TTM)2.5
OCFY17.95%
SpS34.8
BVpS16.63
TBVpS9.66
PEG (NY)13.69
PEG (5Y)N/A
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%
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 Turnover0.35
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 | 0.37 |
F-Score6
WACC2.95%
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)77.68%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%60%
EPS Next Y0.51%
EPS Next 2Y5.33%
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 Year22%
Revenue Next 2Y17.11%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y425.63%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1380.15%
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%