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GREENSKY INC-CLASS A (GSKY) Stock Fundamental Analysis

NASDAQ:GSKY - Nasdaq - Common Stock

10.2  +0.16 (+1.59%)

After market: 10.2 0 (0%)

Fundamental Rating

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GSKY gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 82 industry peers in the IT Services industry. GSKY may be in some trouble as it scores bad on both profitability and health. GSKY is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

GSKY had positive earnings in the past year.
GSKY Yearly Net Income VS EBIT VS OCF VS FCFGSKY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 200M -200M 400M -400M 600M

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
GSKY Yearly ROA, ROE, ROICGSKY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 100 -100 -200 -300

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
GSKY Yearly Profit, Operating, Gross MarginsGSKY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 20 40 60

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2. Health

2.1 Basic Checks

GSKY has more shares outstanding than it did 1 year ago.
The debt/assets ratio for GSKY has been reduced compared to a year ago.
GSKY Yearly Shares OutstandingGSKY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M
GSKY Yearly Total Debt VS Total AssetsGSKY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 500M 1B 1.5B

2.2 Solvency

A Debt/Equity ratio of 9.19 is on the high side and indicates that GSKY has dependencies on debt financing.
Industry RankSector Rank
Debt/Equity 9.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GSKY Yearly LT Debt VS Equity VS FCFGSKY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 500M

2.3 Liquidity

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

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

3.2 Future

Based on estimates for the next years, GSKY will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.07% on average per year.
The Revenue is expected to grow by 11.50% on average over the next years. This is quite good.
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

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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
GSKY Yearly Revenue VS EstimatesGSKY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
GSKY Yearly EPS VS EstimatesGSKY Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.55, the valuation of GSKY can be described as rather expensive.
When comparing the Price/Earnings ratio of GSKY to the average of the S&P500 Index (26.52), we can say GSKY is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 17.56, the valuation of GSKY can be described as rather expensive.
The average S&P500 Price/Forward Earnings ratio is at 22.25. GSKY is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.55
Fwd PE 17.56
GSKY Price Earnings VS Forward Price EarningsGSKY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.87
GSKY Per share dataGSKY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

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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5. Dividend

5.1 Amount

No dividends for GSKY!.
Industry RankSector Rank
Dividend Yield N/A

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GREENSKY INC-CLASS A

NASDAQ:GSKY (3/29/2022, 8:00:02 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)03-11 2022-03-11/amc
Earnings (Next)05-02 2022-05-02
Inst Owners0.02%
Inst Owner Change0%
Ins Owners1.39%
Ins Owner Change0%
Market Cap1.88B
Analysts48.89
Price Target8.41 (-17.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 18.55
Fwd PE 17.56
P/S 3.62
P/FCF N/A
P/OCF N/A
P/B 38.27
P/tB N/A
EV/EBITDA 10.87
EPS(TTM)0.55
EY5.39%
EPS(NY)0.58
Fwd EY5.7%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.81
BVpS0.27
TBVpSN/A
PEG (NY)3.3
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.55%
ROE 85.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 33.38%
PM (TTM) 8.13%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.44
Health
Industry RankSector Rank
Debt/Equity 9.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25%
EPS 3Y0.92%
EPS 5Y-15.2%
EPS Q2Q%-18.18%
EPS Next Y5.62%
EPS Next 2Y10.38%
EPS Next 3Y9.81%
EPS Next 5Y10.07%
Revenue 1Y (TTM)-1.45%
Revenue growth 3Y7.22%
Revenue growth 5Y14.44%
Sales Q2Q%-0.44%
Revenue Next Year12.49%
Revenue Next 2Y12.06%
Revenue Next 3Y11.32%
Revenue Next 5Y11.5%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A