GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GDOT - US39304D1028 - Common Stock
12.15 USD
+0.05 (+0.41%)
12.15 USD
0 (0%)
Overall GDOT gets a fundamental rating of 4 out of 10. We evaluated GDOT against 54 industry peers in the Consumer Finance industry. GDOT has a bad profitability rating. Also its financial health evaluation is rather negative. GDOT is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
- In the past 5 years GDOT always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of GDOT (-0.81%) is worse than 85.19% of its industry peers.
- With a Return On Equity value of -5.14%, GDOT is not doing good in the industry: 87.04% of the companies in the same industry are doing better.
- With a Return On Invested Capital value of 1.21%, GDOT perfoms like the industry average, outperforming 44.44% 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 12.42%.
- The last Return On Invested Capital (1.21%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.81% | ||
| ROE | -5.14% | ||
| ROIC | 1.21% |
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 has a worse Operating Margin (3.95%) than 64.81% of its industry peers.
- 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 | 3.95% | ||
| 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
- 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.
- 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 0.18. 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 (0.18) which is comparable to the rest of the industry.
- The Debt to FCF ratio of GDOT is 43.92, which is on the high side as it means it would take GDOT, 43.92 years of fcf income to pay off all of its debts.
- GDOT has a Debt to FCF ratio (43.92) which is in line with its industry peers.
- GDOT has a Debt/Equity ratio of 4.69. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of GDOT (4.69) is worse than 64.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | 43.92 | ||
| Altman-Z | 0.18 |
ROIC/WACC0.45
WACC2.68%
2.3 Liquidity
- GDOT has a Current Ratio of 0.54. 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 of 0.54. This is in the lower half of the industry: GDOT underperforms 61.11% of its industry peers.
- A Quick Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
- With a Quick ratio value of 0.54, GDOT is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
- GDOT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 72.97%, 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 23.12%.
- The Revenue has been growing by 9.23% on average over the past years. This is quite good.
EPS 1Y (TTM)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
Revenue 1Y (TTM)23.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
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 16.81% on average over the next years. This is quite good.
EPS Next Y3.74%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year22.23%
Revenue Next 2Y16.81%
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
- GDOT is valuated cheaply with a Price/Earnings ratio of 6.33.
- Based on the Price/Earnings ratio, GDOT is valued a bit cheaper than 72.22% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.32. GDOT is valued rather cheaply when compared to this.
- GDOT is valuated cheaply with a Price/Forward Earnings ratio of 7.99.
- Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
- GDOT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.33 | ||
| Fwd PE | 7.99 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, GDOT is valued a bit cheaper than 64.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.93 | ||
| EV/EBITDA | -5.52 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.69
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 | 0% |
12.15
+0.05 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners91.28%
Inst Owner Change-0.51%
Ins Owners1.58%
Ins Owner Change-0.29%
Market Cap674.93M
Revenue(TTM)2.01B
Net Income(TTM)-46.94M
Analysts77.78
Price Target16.45 (35.39%)
Short Float %2.13%
Short Ratio1.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)141.61%
Min EPS beat(2)117.87%
Max EPS beat(2)165.36%
EPS beat(4)4
Avg EPS beat(4)85.27%
Min EPS beat(4)10.9%
Max EPS beat(4)165.36%
EPS beat(8)5
Avg EPS beat(8)35.68%
EPS beat(12)7
Avg EPS beat(12)26.98%
EPS beat(16)10
Avg EPS beat(16)24.19%
Revenue beat(2)1
Avg Revenue beat(2)0.21%
Min Revenue beat(2)-0.04%
Max Revenue beat(2)0.47%
Revenue beat(4)3
Avg Revenue beat(4)3.42%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.87%
Revenue beat(8)7
Avg Revenue beat(8)3.34%
Revenue beat(12)11
Avg Revenue beat(12)3.86%
Revenue beat(16)14
Avg Revenue beat(16)3.38%
PT rev (1m)0%
PT rev (3m)-10.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-400%
EPS NY rev (1m)0%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.33 | ||
| Fwd PE | 7.99 | ||
| P/S | 0.34 | ||
| P/FCF | 6.93 | ||
| P/OCF | 3.78 | ||
| P/B | 0.74 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | -5.52 |
EPS(TTM)1.92
EY15.8%
EPS(NY)1.52
Fwd EY12.51%
FCF(TTM)1.75
FCFY14.44%
OCF(TTM)3.21
OCFY26.43%
SpS36.24
BVpS16.44
TBVpS9.59
PEG (NY)1.69
PEG (5Y)N/A
Graham Number26.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.81% | ||
| ROE | -5.14% | ||
| ROCE | 8.12% | ||
| ROIC | 1.21% | ||
| ROICexc | 1.76% | ||
| ROICexgc | 1.98% | ||
| OM | 3.95% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 4.84% |
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 | 4.69 | ||
| Debt/FCF | 43.92 | ||
| Debt/EBITDA | 26.26 | ||
| Cap/Depr | 96.95% | ||
| Cap/Sales | 4.02% | ||
| Interest Coverage | 7.13 | ||
| Cash Conversion | 109.48% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0.18 |
F-Score6
WACC2.68%
ROIC/WACC0.45
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)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
EPS Next Y3.74%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)23.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
Revenue Next Year22.23%
Revenue Next 2Y16.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y293.87%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1514.98%
EBIT Next 3Y167.2%
EBIT Next 5YN/A
FCF growth 1Y23.64%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y12.92%
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 4 / 10 to GDOT.
What is the valuation status for GDOT stock?
ChartMill assigns a valuation rating of 6 / 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 is the financial health of GREEN DOT CORP-CLASS A (GDOT) stock?
The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 1 / 10.
Can you provide the expected EPS growth for GDOT stock?
The Earnings per Share (EPS) of GREEN DOT CORP-CLASS A (GDOT) is expected to grow by 3.74% in the next year.