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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 6.06
GDOT's Cash to Debt is ranked lower than
51% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 8.67 vs. GDOT: 6.06 )
Ranked among companies with meaningful Cash to Debt only.
GDOT' s 10-Year Cash to Debt Range
Min: 2.78  Med: 10000.00 Max: No Debt
Current: 6.06
Equity to Asset 0.42
GDOT's Equity to Asset is ranked higher than
57% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. GDOT: 0.42 )
Ranked among companies with meaningful Equity to Asset only.
GDOT' s 10-Year Equity to Asset Range
Min: 0.33  Med: 0.46 Max: 0.66
Current: 0.42
0.33
0.66
Interest Coverage 46.23
GDOT's Interest Coverage is ranked higher than
53% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 14.04 vs. GDOT: 46.23 )
Ranked among companies with meaningful Interest Coverage only.
GDOT' s 10-Year Interest Coverage Range
Min: 46.23  Med: 682.39 Max: 9999.99
Current: 46.23
46.23
9999.99
F-Score: 4
Z-Score: 1.51
M-Score: -2.29
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 12.47
GDOT's Operating margin (%) is ranked lower than
64% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. GDOT: 12.47 )
Ranked among companies with meaningful Operating margin (%) only.
GDOT' s 10-Year Operating margin (%) Range
Min: 8.57  Med: 17.35 Max: 27.11
Current: 12.47
8.57
27.11
Net-margin (%) 8.28
GDOT's Net-margin (%) is ranked lower than
66% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 16.58 vs. GDOT: 8.28 )
Ranked among companies with meaningful Net-margin (%) only.
GDOT' s 10-Year Net-margin (%) Range
Min: 5.93  Med: 10.31 Max: 15.83
Current: 8.28
5.93
15.83
ROE (%) 9.38
GDOT's ROE (%) is ranked higher than
54% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.38 vs. GDOT: 9.38 )
Ranked among companies with meaningful ROE (%) only.
GDOT' s 10-Year ROE (%) Range
Min: 7.34  Med: 19.14 Max: 34.95
Current: 9.38
7.34
34.95
ROA (%) 3.96
GDOT's ROA (%) is ranked higher than
62% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. GDOT: 3.96 )
Ranked among companies with meaningful ROA (%) only.
GDOT' s 10-Year ROA (%) Range
Min: 3.42  Med: 11.42 Max: 33.71
Current: 3.96
3.42
33.71
ROC (Joel Greenblatt) (%) 137.01
GDOT's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 12.98 vs. GDOT: 137.01 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GDOT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 88.47  Med: 275.14 Max: 1476.35
Current: 137.01
88.47
1476.35
Revenue Growth (3Y)(%) 24.00
GDOT's Revenue Growth (3Y)(%) is ranked higher than
78% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. GDOT: 24.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GDOT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 27.35 Max: 38
Current: 24
0
38
EBITDA Growth (3Y)(%) 18.10
GDOT's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: -3.00 vs. GDOT: 18.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GDOT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 14.60 Max: 18.1
Current: 18.1
0
18.1
EPS Growth (3Y)(%) 3.10
GDOT's EPS Growth (3Y)(%) is ranked lower than
53% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. GDOT: 3.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GDOT' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 8.55 Max: 76.5
Current: 3.1
0
76.5
» GDOT's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

GDOT Guru Trades in Q3 2014

Mario Cibelli Sold Out
Paul Tudor Jones Sold Out
Jim Simons 98,500 sh (-68.72%)
Joel Greenblatt 12,961 sh (-88.45%)
» More
Q4 2014

GDOT Guru Trades in Q4 2014

Paul Tudor Jones 35,355 sh (New)
Chuck Royce 77,000 sh (New)
David Einhorn 1,250,000 sh (New)
Joel Greenblatt 49,177 sh (+279.42%)
Jim Simons Sold Out
» More
Q1 2015

GDOT Guru Trades in Q1 2015

Richard Snow 379,050 sh (New)
Chuck Royce 128,000 sh (+66.23%)
Joel Greenblatt Sold Out
David Einhorn Sold Out
Paul Tudor Jones 20,600 sh (-41.73%)
» More
Q2 2015

GDOT Guru Trades in Q2 2015

Joel Greenblatt 32,676 sh (New)
Jim Simons 215,500 sh (New)
Richard Snow 880,905 sh (+132.40%)
Paul Tudor Jones Sold Out
Chuck Royce 20,069 sh (-84.32%)
» More
» Details

Insider Trades

Latest Guru Trades with GDOT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 15.58
GDOT's P/E(ttm) is ranked lower than
54% of the 211 Companies
in the Global Credit Services industry.

( Industry Median: 14.50 vs. GDOT: 15.58 )
Ranked among companies with meaningful P/E(ttm) only.
GDOT' s 10-Year P/E(ttm) Range
Min: 8.03  Med: 23.13 Max: 71.69
Current: 15.58
8.03
71.69
Forward P/E 11.83
GDOT's Forward P/E is ranked lower than
54% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 11.22 vs. GDOT: 11.83 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.50
GDOT's PE(NRI) is ranked lower than
53% of the 212 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. GDOT: 15.50 )
Ranked among companies with meaningful PE(NRI) only.
GDOT' s 10-Year PE(NRI) Range
Min: 8.55  Med: 22.80 Max: 104.27
Current: 15.5
8.55
104.27
P/B 1.30
GDOT's P/B is ranked lower than
60% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. GDOT: 1.30 )
Ranked among companies with meaningful P/B only.
GDOT' s 10-Year P/B Range
Min: 1.08  Med: 1.98 Max: 18.38
Current: 1.3
1.08
18.38
P/S 1.20
GDOT's P/S is ranked higher than
80% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. GDOT: 1.20 )
Ranked among companies with meaningful P/S only.
GDOT' s 10-Year P/S Range
Min: 0.79  Med: 1.45 Max: 5.9
Current: 1.2
0.79
5.9
PFCF 7.81
GDOT's PFCF is ranked higher than
59% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.95 vs. GDOT: 7.81 )
Ranked among companies with meaningful PFCF only.
GDOT' s 10-Year PFCF Range
Min: 5.6  Med: 15.60 Max: 32.07
Current: 7.81
5.6
32.07
POCF 5.35
GDOT's POCF is ranked higher than
64% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 8.39 vs. GDOT: 5.35 )
Ranked among companies with meaningful POCF only.
GDOT' s 10-Year POCF Range
Min: 4.02  Med: 9.78 Max: 23.35
Current: 5.35
4.02
23.35
EV-to-EBIT 2.11
GDOT's EV-to-EBIT is ranked higher than
97% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: 18.77 vs. GDOT: 2.11 )
Ranked among companies with meaningful EV-to-EBIT only.
GDOT' s 10-Year EV-to-EBIT Range
Min: -3.8  Med: 5.80 Max: 68
Current: 2.11
-3.8
68
PEG 1.37
GDOT's PEG is ranked lower than
69% of the 61 Companies
in the Global Credit Services industry.

( Industry Median: 0.75 vs. GDOT: 1.37 )
Ranked among companies with meaningful PEG only.
GDOT' s 10-Year PEG Range
Min: 1.45  Med: 1.89 Max: 3.46
Current: 1.37
1.45
3.46
Shiller P/E 16.60
GDOT's Shiller P/E is ranked lower than
64% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 12.89 vs. GDOT: 16.60 )
Ranked among companies with meaningful Shiller P/E only.
GDOT' s 10-Year Shiller P/E Range
Min: 13.56  Med: 15.24 Max: 19.73
Current: 16.6
13.56
19.73
Current Ratio 1.17
GDOT's Current Ratio is ranked lower than
73% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 2.02 vs. GDOT: 1.17 )
Ranked among companies with meaningful Current Ratio only.
GDOT' s 10-Year Current Ratio Range
Min: 1.17  Med: 1.56 Max: 2.68
Current: 1.17
1.17
2.68
Quick Ratio 1.17
GDOT's Quick Ratio is ranked lower than
73% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.81 vs. GDOT: 1.17 )
Ranked among companies with meaningful Quick Ratio only.
GDOT' s 10-Year Quick Ratio Range
Min: 1.17  Med: 1.56 Max: 2.68
Current: 1.17
1.17
2.68
Days Sales Outstanding 12.22
GDOT's Days Sales Outstanding is ranked higher than
62% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. GDOT: 12.22 )
Ranked among companies with meaningful Days Sales Outstanding only.
GDOT' s 10-Year Days Sales Outstanding Range
Min: 27.02  Med: 30.57 Max: 33.51
Current: 12.22
27.02
33.51

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 4.22
GDOT's Price/Tangible Book is ranked lower than
87% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. GDOT: 4.22 )
Ranked among companies with meaningful Price/Tangible Book only.
GDOT' s 10-Year Price/Tangible Book Range
Min: 1.48  Med: 3.54 Max: 16.43
Current: 4.22
1.48
16.43
Price/Projected FCF 0.71
GDOT's Price/Projected FCF is ranked higher than
54% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. GDOT: 0.71 )
Ranked among companies with meaningful Price/Projected FCF only.
GDOT' s 10-Year Price/Projected FCF Range
Min: 0.67  Med: 0.78 Max: 0.87
Current: 0.71
0.67
0.87
Price/Median PS Value 0.84
GDOT's Price/Median PS Value is ranked higher than
63% of the 228 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. GDOT: 0.84 )
Ranked among companies with meaningful Price/Median PS Value only.
GDOT' s 10-Year Price/Median PS Value Range
Min: 0.57  Med: 1.05 Max: 3.69
Current: 0.84
0.57
3.69
Price/Peter Lynch Fair Value 1.75
GDOT's Price/Peter Lynch Fair Value is ranked lower than
84% of the 31 Companies
in the Global Credit Services industry.

( Industry Median: 0.68 vs. GDOT: 1.75 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
GDOT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.58  Med: 1.93 Max: 3.15
Current: 1.75
1.58
3.15
Price/Graham Number 1.72
GDOT's Price/Graham Number is ranked lower than
80% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. GDOT: 1.72 )
Ranked among companies with meaningful Price/Graham Number only.
GDOT' s 10-Year Price/Graham Number Range
Min: 0.78  Med: 1.70 Max: 5.99
Current: 1.72
0.78
5.99
Earnings Yield (Greenblatt) (%) 47.17
GDOT's Earnings Yield (Greenblatt) (%) is ranked higher than
98% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. GDOT: 47.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GDOT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 13.25 Max: 2355.5
Current: 47.17
1.5
2355.5
Forward Rate of Return (Yacktman) (%) 18.38
GDOT's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.14 vs. GDOT: 18.38 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
GDOT' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 7.4  Med: 17.30 Max: 19.9
Current: 18.38
7.4
19.9

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 717 755
EPS($) 1.36 1.45
EPS without NRI($) 1.36 1.45

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Traded in other countries:5GN.Germany,
Green Dot Corp was incorporated in Delaware in October 1999 as Next Estate Communications, Inc. and changed its name to Green Dot Corporation in October 2005. The Company completed its initial public offering of Class A common stock in July 2010. In December 2011, it became a bank holding company under the Bank Holding Company Act of 1956, as amended, or the BHC Act, as a result of its acquisition of Bonneville Bancorp, the holding company of Bonneville Bank, a state-chartered Utah bank, which was renamed Green Dot Bank and became a member bank of the Federal Reserve System after the acquisition. The Company operates as a technology-centric, pro-consumer bank holding company that provides personal banking for the masses. The Company provides prepaid debit card products and prepaid card reloading services in the United States, as well as mobile banking with its GoBank mobile bank account offering. The Company's products are available to consumers at more than 90,000 retailer nationwide, online and via app stores. Its products and services include Green Dot-branded and co-branded GPR cards, Visa-branded gift cards, reload services through its Green Dot Network, using its MoneyPak product or through retailers' specially-enabled POS devices, and GoBank, an innovative checking account developed for distribution and use via smartphones and other mobile devices. The Company's Green Dot-branded GPR cards provide consumers with an affordable and convenient way to manage their money and make payments without undergoing a credit check or possessing a pre-existing bank account. GPR cards are designed for general spending purposes, are reloadable for ongoing long-term use, and can be used anywhere their applicable payment network, such as Visa or MasterCard, is accepted. It offers consumers affordable and convenient ways to reload any of its GPR cards and cards from more than 120 third-party prepaid card programs, and to conduct other cash loading transactions through its reload network, using its MoneyPak product or through retailers' specially-enabled POS devices. MoneyPak is offered in all of the retail locations where its GPR cards are sold. MoneyPak is a cash reload product that the Company markets on a display like its Green Dot-branded GPR cards. Cash reloads using a MoneyPak involve a two-step process: consumers pay the cashier the desired amount to be added onto the MoneyPak, plus a service fee, generally ranging between $3.00 and $4.95, and then go online or call a toll-free number to submit the unique MoneyPak number and add the funds to a GPR card or other account, such as participating billers or a PayPal account. The Company competes against the full spectrum of companies across the prepaid financial services industry as well as companies providing traditional banking services. The Company markets its cards and financial services to banked, under-banked, and unbanked consumers.
» More Articles for GDOT

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: HES, GDOT, BH, CUBI, OPK Feb 09 2015 
Growth Stocks At Steal The Deal Price Levels Feb 07 2015 
Weekly CFO Sells Highlight: HAIN, PMTI, LTD, STZ, GDOT Jun 03 2013 
Baron Funds Comments on Green Dot Corp. Dec 07 2012 
Weekly CEO Buys Highlight: GDOT, VOCS, PES, IRWD, ABR Nov 11 2012 
comment on GDOT Sep 21 2012 
comment on GDOT Sep 21 2012 
george soros Sep 21 2012 
GREEN DOT Corp. (GDOT) COO William D Sowell sells 14,777 Shares Mar 10 2011 
GREEN DOT Corp. (GDOT) CFO John L Keatley sells 54,536 Shares Dec 14 2010 

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