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Also traded in: Germany

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 7.74
GDOT's Cash-to-Debt is ranked higher than
55% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 1.88 vs. GDOT: 7.74 )
Ranked among companies with meaningful Cash-to-Debt only.
GDOT' s Cash-to-Debt Range Over the Past 10 Years
Min: 5.41  Med: No Debt Max: No Debt
Current: 7.74
Equity-to-Asset 0.39
GDOT's Equity-to-Asset is ranked lower than
53% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. GDOT: 0.39 )
Ranked among companies with meaningful Equity-to-Asset only.
GDOT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.39 Max: 0.6
Current: 0.39
0.05
0.6
Interest Coverage 6.94
GDOT's Interest Coverage is ranked higher than
51% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 5.59 vs. GDOT: 6.94 )
Ranked among companies with meaningful Interest Coverage only.
GDOT' s Interest Coverage Range Over the Past 10 Years
Min: 6.94  Med: 241.18 Max: 63670
Current: 6.94
6.94
63670
Piotroski F-Score: 6
Altman Z-Score: 1.61
Beneish M-Score: -0.78
WACC vs ROIC
7.65%
77.68%
WACC
ROIC
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 % 8.81
GDOT's Operating Margin % is ranked lower than
66% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.88 vs. GDOT: 8.81 )
Ranked among companies with meaningful Operating Margin % only.
GDOT' s Operating Margin % Range Over the Past 10 Years
Min: 8.54  Med: 13.21 Max: 27.11
Current: 8.81
8.54
27.11
Net Margin % 5.79
GDOT's Net Margin % is ranked lower than
65% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. GDOT: 5.79 )
Ranked among companies with meaningful Net Margin % only.
GDOT' s Net Margin % Range Over the Past 10 Years
Min: 5.53  Med: 8.64 Max: 15.83
Current: 5.79
5.53
15.83
ROE % 5.97
GDOT's ROE % is ranked lower than
54% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 6.71 vs. GDOT: 5.97 )
Ranked among companies with meaningful ROE % only.
GDOT' s ROE % Range Over the Past 10 Years
Min: 5.77  Med: 13.64 Max: 82.48
Current: 5.97
5.77
82.48
ROA % 2.53
GDOT's ROA % is ranked lower than
51% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. GDOT: 2.53 )
Ranked among companies with meaningful ROA % only.
GDOT' s ROA % Range Over the Past 10 Years
Min: 2.32  Med: 8.2 Max: 33.71
Current: 2.53
2.32
33.71
ROC (Joel Greenblatt) % 87.84
GDOT's ROC (Joel Greenblatt) % is ranked higher than
79% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 13.70 vs. GDOT: 87.84 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
GDOT' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 82.05  Med: 177.95 Max: 812.25
Current: 87.84
82.05
812.25
3-Year Revenue Growth Rate -2.90
GDOT's 3-Year Revenue Growth Rate is ranked lower than
66% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. GDOT: -2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
GDOT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.05 Max: 38.1
Current: -2.9
0
38.1
3-Year EBITDA Growth Rate 6.90
GDOT's 3-Year EBITDA Growth Rate is ranked lower than
65% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. GDOT: 6.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
GDOT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.3 Max: 15.8
Current: 6.9
0
15.8
3-Year EPS without NRI Growth Rate 1.70
GDOT's 3-Year EPS without NRI Growth Rate is ranked lower than
70% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. GDOT: 1.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
GDOT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -3.6 Max: 13.5
Current: 1.7
0
13.5
GuruFocus has detected 6 Warning Signs with Green Dot Corp $GDOT.
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» GDOT's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

GDOT Guru Trades in Q1 2016

Barrow, Hanley, Mewhinney & Strauss 87,578 sh (New)
Richard Snow 722,661 sh (-40.23%)
» More
Q2 2016

GDOT Guru Trades in Q2 2016

Paul Tudor Jones 16,500 sh (New)
Jim Simons 63,200 sh (New)
Barrow, Hanley, Mewhinney & Strauss Sold Out
Richard Snow 684,867 sh (-5.23%)
» More
Q3 2016

GDOT Guru Trades in Q3 2016

Jim Simons 388,800 sh (+515.19%)
Richard Snow 547,243 sh (-20.09%)
Paul Tudor Jones 11,886 sh (-27.96%)
» More
Q4 2016

GDOT Guru Trades in Q4 2016

Barrow, Hanley, Mewhinney & Strauss 49,789 sh (New)
John Hussman 43,000 sh (New)
Jim Simons 422,800 sh (+8.74%)
Paul Tudor Jones Sold Out
Richard Snow 438,322 sh (-19.90%)
» 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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Business Description

Industry: Credit Services » Credit Services    NAICS: 522320    SIC: 7323
Compare:NYSE:YRD, NAS:QIWI, OTCPK:ECNCF, NYSE:TCAP, OTCPK:AUTCF, NAS:HAWK, NAS:MGI, NYSE:PHH, NAS:FSC, NYSE:AGM, NYSE:FCFS, NYSE:NNI, OTCPK:CRQDF, NAS:EZPW, NYSE:ENVA, NYSE:LC, NAS:WRLD, NAS:NEWS, NYSE:ONDK, NYSE:RM » details
Traded in other countries:5GN.Germany,
Green Dot Corp is a pro-consumer financial technology company. The Company provides reloadable prepaid debit cards and cash reload processing services in the United States. The Company also processes tax refund disbursements in the United States.

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 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 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.

Ratios

vs
industry
vs
history
PE Ratio 36.05
GDOT's PE Ratio is ranked lower than
78% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 15.31 vs. GDOT: 36.05 )
Ranked among companies with meaningful PE Ratio only.
GDOT' s PE Ratio Range Over the Past 10 Years
Min: 7.43  Med: 24.47 Max: 134.38
Current: 36.05
7.43
134.38
Forward PE Ratio 16.18
GDOT's Forward PE Ratio is ranked lower than
68% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. GDOT: 16.18 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 36.05
GDOT's PE Ratio without NRI is ranked lower than
78% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. GDOT: 36.05 )
Ranked among companies with meaningful PE Ratio without NRI only.
GDOT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.43  Med: 24.47 Max: 134.38
Current: 36.05
7.43
134.38
PB Ratio 2.18
GDOT's PB Ratio is ranked lower than
62% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. GDOT: 2.18 )
Ranked among companies with meaningful PB Ratio only.
GDOT' s PB Ratio Range Over the Past 10 Years
Min: 1.08  Med: 1.79 Max: 18.39
Current: 2.18
1.08
18.39
PS Ratio 2.04
GDOT's PS Ratio is ranked higher than
75% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 3.91 vs. GDOT: 2.04 )
Ranked among companies with meaningful PS Ratio only.
GDOT' s PS Ratio Range Over the Past 10 Years
Min: 0.74  Med: 1.55 Max: 5.52
Current: 2.04
0.74
5.52
Price-to-Free-Cash-Flow 21.44
GDOT's Price-to-Free-Cash-Flow is ranked lower than
67% of the 101 Companies
in the Global Credit Services industry.

( Industry Median: 8.71 vs. GDOT: 21.44 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
GDOT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.37  Med: 13.52 Max: 30.88
Current: 21.44
5.37
30.88
Price-to-Operating-Cash-Flow 13.13
GDOT's Price-to-Operating-Cash-Flow is ranked lower than
55% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 8.47 vs. GDOT: 13.13 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
GDOT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.84  Med: 8.37 Max: 23.02
Current: 13.13
3.84
23.02
EV-to-EBIT 9.52
GDOT's EV-to-EBIT is ranked higher than
62% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 19.13 vs. GDOT: 9.52 )
Ranked among companies with meaningful EV-to-EBIT only.
GDOT' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.6  Med: 6 Max: 47.4
Current: 9.52
-3.6
47.4
EV-to-EBITDA 5.06
GDOT's EV-to-EBITDA is ranked higher than
82% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 16.52 vs. GDOT: 5.06 )
Ranked among companies with meaningful EV-to-EBITDA only.
GDOT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.3  Med: 3.8 Max: 43.5
Current: 5.06
-2.3
43.5
PEG Ratio 21.24
GDOT's PEG Ratio is ranked lower than
89% of the 95 Companies
in the Global Credit Services industry.

( Industry Median: 0.65 vs. GDOT: 21.24 )
Ranked among companies with meaningful PEG Ratio only.
GDOT' s PEG Ratio Range Over the Past 10 Years
Min: 1.6  Med: 3.84 Max: 21.24
Current: 21.24
1.6
21.24
Current Ratio 1.05
GDOT's Current Ratio is ranked lower than
84% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.95 vs. GDOT: 1.05 )
Ranked among companies with meaningful Current Ratio only.
GDOT' s Current Ratio Range Over the Past 10 Years
Min: 1.05  Med: 1.3 Max: 2.24
Current: 1.05
1.05
2.24
Quick Ratio 1.05
GDOT's Quick Ratio is ranked lower than
80% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.54 vs. GDOT: 1.05 )
Ranked among companies with meaningful Quick Ratio only.
GDOT' s Quick Ratio Range Over the Past 10 Years
Min: 1.05  Med: 1.3 Max: 2.24
Current: 1.05
1.05
2.24
Days Sales Outstanding 20.39
GDOT's Days Sales Outstanding is ranked higher than
71% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 15.75 vs. GDOT: 20.39 )
Ranked among companies with meaningful Days Sales Outstanding only.
GDOT' s Days Sales Outstanding Range Over the Past 10 Years
Min: 6.72  Med: 29.51 Max: 33.51
Current: 20.39
6.72
33.51

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -10.40
GDOT's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. GDOT: -10.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
GDOT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13  Med: -3.5 Max: 0
Current: -10.4
-13
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 6.41
GDOT's Price-to-Tangible-Book is ranked lower than
91% of the 373 Companies
in the Global Credit Services industry.

( Industry Median: 1.48 vs. GDOT: 6.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
GDOT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.48  Med: 4.58 Max: 14.38
Current: 6.41
1.48
14.38
Price-to-Intrinsic-Value-Projected-FCF 1.22
GDOT's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
60% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. GDOT: 1.22 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
GDOT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.7  Med: 0.92 Max: 1.22
Current: 1.22
0.7
1.22
Price-to-Median-PS-Value 1.31
GDOT's Price-to-Median-PS-Value is ranked lower than
69% of the 325 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. GDOT: 1.31 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
GDOT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.56  Med: 1.05 Max: 3.15
Current: 1.31
0.56
3.15
Price-to-Graham-Number 3.20
GDOT's Price-to-Graham-Number is ranked lower than
89% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. GDOT: 3.20 )
Ranked among companies with meaningful Price-to-Graham-Number only.
GDOT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.87  Med: 2.24 Max: 8.36
Current: 3.2
0.87
8.36
Earnings Yield (Greenblatt) % 10.53
GDOT's Earnings Yield (Greenblatt) % is ranked higher than
69% of the 387 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. GDOT: 10.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
GDOT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.1  Med: 14.1 Max: 2274.3
Current: 10.53
2.1
2274.3
Forward Rate of Return (Yacktman) % 8.02
GDOT's Forward Rate of Return (Yacktman) % is ranked higher than
53% of the 112 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. GDOT: 8.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
GDOT' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 7.4  Med: 14.6 Max: 22.5
Current: 8.02
7.4
22.5

More Statistics

Revenue (TTM) (Mil) $718.8
EPS (TTM) $ 0.80
Beta0.72
Short Percentage of Float2.52%
52-Week Range $18.90 - 29.73
Shares Outstanding (Mil)50.51

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 754 805
EPS ($) 1.79 1.95
EPS without NRI ($) 1.79 1.95
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» 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 
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 
GREEN DOT Corp. (GDOT) COO William D Sowell sells 12,725 Shares Dec 14 2010 
GREEN DOT Corp. (GDOT) Chairman, President and CEO, 10% Owner Steven W Streit sells 431,745 Shares Dec 14 2010 

More From Other Websites
Green Dot Corp. :GDOT-US: Earnings Analysis: 2016 By the Numbers : February 24, 2017 Feb 24 2017
GREEN DOT CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 23 2017
Edited Transcript of GDOT earnings conference call or presentation 22-Feb-17 10:00pm GMT Feb 23 2017
Green Dot Corp Earnings Call scheduled for 5:00 pm ET today Feb 22 2017
GREEN DOT CORP Files SEC form 8-K, Results of Operations and Financial Condition Feb 22 2017
Green Dot reports 4Q loss Feb 22 2017
Green Dot reports 4Q loss Feb 22 2017
4:12 pm Green Dot beats by $0.04, beats on revs; guides FY17 EPS above consensus, revs above... Feb 22 2017
Green Dot Reports Fourth Quarter and Full Year 2016 Results Feb 22 2017
GREEN DOT CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 01 2017
U.S. fines Mastercard, UniRush $13 mln for prepaid card breakdowns Feb 01 2017
Green Dot To Buy RushCard For At Least $167 Million Jan 30 2017
[$$] Green Dot to Buy UniRush For $147 Million Jan 30 2017
GREEN DOT CORP Files SEC form 8-K, Entry into a Material Definitive Agreement Jan 30 2017
Green Dot to Acquire UniRush, LLC, Operating Company for RushCard and Rapid! PayCard Jan 30 2017
Green Dot to Announce Fourth Quarter 2016 Results on February 22nd Jan 26 2017
Green Dot Said to Be in Talks to Buy Russell Simmons’s UniRush Jan 26 2017
Green Dot upgraded by Citigroup Jan 17 2017
Baidu Gets Another Upgrade, T-Mobile Downgraded, Square PT Hiked Jan 10 2017
Green Dot Corp. – Value Analysis (NYSE:GDOT) : January 5, 2017 Jan 05 2017

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