GREENSKY INC-CLASS A (GSKY)

Common Stock

10.2  +0.16 (+1.59%)

After market: 10.2 0 (0%)

Fundamental Rating

2

Taking everything into account, GSKY scores 2 out of 10 in our fundamental rating. GSKY was compared to 86 industry peers in the IT Services industry. GSKY may be in some trouble as it scores bad on both profitability and health. GSKY is quite expensive at the moment. It does show a decent growth rate.



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2

1. Profitability

1.1 Basic Checks

In the past year GSKY was profitable.
Each year in the past 5 years GSKY has been profitable.
GSKY had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Industry RankSector Rank
ROA 3.55%
ROE 85.91%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Industry RankSector Rank
OM 33.38%
PM (TTM) 8.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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0

2. Health

2.1 Basic Checks

Compared to 1 year ago, GSKY has more shares outstanding
The debt/assets ratio for GSKY has been reduced compared to a year ago.

2.2 Solvency

GSKY has a Debt/Equity ratio of 9.19. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 9.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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6

3. Growth

3.1 Past

GSKY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.00%, which is quite impressive.
The earnings per share for GSKY have been decreasing by -15.20% on average. This is quite bad
GSKY shows a decrease in Revenue. In the last year, the revenue decreased by -1.45%.
Measured over the past years, GSKY shows a quite strong growth in Revenue. The Revenue has been growing by 14.44% on average per year.
EPS 1Y (TTM)25%
EPS 3Y0.92%
EPS 5Y-15.2%
EPS growth Q2Q-18.18%
Revenue 1Y (TTM)-1.45%
Revenue growth 3Y7.22%
Revenue growth 5Y14.44%
Revenue growth Q2Q-0.44%

3.2 Future

The Earnings Per Share is expected to grow by 10.07% on average over the next years. This is quite good.
GSKY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.50% yearly.
EPS Next Y5.62%
EPS Next 2Y10.38%
EPS Next 3Y9.81%
EPS Next 5Y10.07%
Revenue Next Year12.49%
Revenue Next 2Y12.06%
Revenue Next 3Y11.32%
Revenue Next 5Y11.5%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

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1

4. Valuation

4.1 Price/Earnings Ratio

GSKY is valuated rather expensively with a Price/Earnings ratio of 18.55.
Compared to an average S&P500 Price/Earnings ratio of 24.84, GSKY is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 17.56, the valuation of GSKY can be described as rather expensive.
When comparing the Price/Forward Earnings ratio of GSKY to the average of the S&P500 Index (21.35), we can say GSKY is valued inline with the index average.
Industry RankSector Rank
PE 18.55
Fwd PE 17.56

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.87

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GSKY does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.3
PEG (5Y)N/A
EPS Next 2Y10.38%
EPS Next 3Y9.81%

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0

5. Dividend

5.1 Amount

GSKY does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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GREENSKY INC-CLASS A

NASDAQ:GSKY (3/29/2022, 7:00:02 PM)

After market: 10.2 0 (0%)

10.2

+0.16 (+1.59%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.88B
Analysts
Price Target
Dividend
Industry RankSector 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 RankSector Rank
PE 18.55
Fwd PE 17.56
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)3.3
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.55%
ROE 85.91%
ROCE
ROIC
ROICexc
ROICexgc
OM 33.38%
PM (TTM) 8.13%
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 Turnover0.44
Health
Industry RankSector Rank
Debt/Equity 9.19
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
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)25%
EPS 3Y0.92%
EPS 5Y
EPS growth Q2Q
EPS Next Y5.62%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.45%
Revenue growth 3Y7.22%
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