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GREENSKY INC-CLASS A (GSKY) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:GSKY - Common Stock

10.2
+0.16 (+1.59%)
Last: 3/29/2022, 8:00:02 PM
10.2
0 (0%)
After Hours: 3/29/2022, 8:00:02 PM
Fundamental Rating

1

Overall GSKY gets a fundamental rating of 1 out of 10. We evaluated GSKY against 85 industry peers in the IT Services industry. Both the profitability and financial health of GSKY have multiple concerns. GSKY is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year GSKY was profitable.
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

Compared to 1 year ago, GSKY has more shares outstanding
Compared to 1 year ago, GSKY has an improved debt to assets ratio.
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

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
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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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.
GSKY shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.20% yearly.
GSKY shows a decrease in Revenue. In the last year, the revenue decreased by -1.45%.
GSKY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.44% yearly.
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

The Earnings Per Share is expected to grow by 10.07% on average over the next years. This is quite good.
Based on estimates for the next years, GSKY will show a quite strong growth in Revenue. The Revenue will grow by 11.50% on average per year.
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.
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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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 18.55 indicates a rather expensive valuation of GSKY.
When comparing the Price/Earnings ratio of GSKY to the average of the S&P500 Index (26.34), we can say GSKY is valued slightly cheaper.
GSKY is valuated rather expensively with a Price/Forward Earnings ratio of 17.56.
When comparing the Price/Forward Earnings ratio of GSKY to the average of the S&P500 Index (23.56), we can say GSKY is valued slightly cheaper.
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 10 20 30

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 an expensive valuation of the company.
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, 8:00:02 PM)

After market: 10.2 0 (0%)

10.2

+0.16 (+1.59%)

Chartmill FA Rating
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
Revenue(TTM)518.10M
Net Income(TTM)42.15M
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
Graham NumberN/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
ROICexgc growth 3Y0%
ROICexgc 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

GREENSKY INC-CLASS A / GSKY FAQ

What is the ChartMill fundamental rating of GREENSKY INC-CLASS A (GSKY) stock?

ChartMill assigns a fundamental rating of 4 / 10 to GSKY.


Can you provide the valuation status for GREENSKY INC-CLASS A?

ChartMill assigns a valuation rating of 2 / 10 to GREENSKY INC-CLASS A (GSKY). This can be considered as Overvalued.


Can you provide the profitability details for GREENSKY INC-CLASS A?

GREENSKY INC-CLASS A (GSKY) has a profitability rating of 7 / 10.


What is the valuation of GREENSKY INC-CLASS A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for GREENSKY INC-CLASS A (GSKY) is 18.55 and the Price/Book (PB) ratio is 38.27.