GREENSKY INC-CLASS A (GSKY) Fundamental Analysis & Valuation

NASDAQ:GSKY

Current stock price

10.2
+0.16 (+1.59%)
At close:
10.2
0 (0%)
After Hours:

This GSKY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. GSKY Profitability Analysis

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 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 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 2016 2017 2018 2019 2020 2021 20 40 60

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2. GSKY Health Analysis

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.
GSKY Yearly Shares OutstandingGSKY Yearly Shares OutstandingYearly Shares Outstanding 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 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 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. GSKY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.00% over the past year.
  • 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.
  • Looking at the last year, GSKY shows a decrease in Revenue. The Revenue has decreased by -1.45% in the last year.
  • 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 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.
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 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. GSKY Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.55 indicates a rather expensive valuation of GSKY.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, GSKY is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 17.56, GSKY is valued on the expensive side.
  • GSKY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

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5. GSKY Dividend Analysis

5.1 Amount

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

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GSKY Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)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 Fundamental Analysis FAQ

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

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


What is the valuation status for GSKY stock?

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


What is the profitability of GSKY stock?

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.


What is the expected EPS growth for GREENSKY INC-CLASS A (GSKY) stock?

The Earnings per Share (EPS) of GREENSKY INC-CLASS A (GSKY) is expected to grow by 5.62% in the next year.