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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 : 6/10

vs
industry
vs
history
Cash to Debt 5.57
GDOT's Cash to Debt is ranked lower than
55% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. GDOT: 5.57 )
Ranked among companies with meaningful Cash to Debt only.
GDOT' s Cash to Debt Range Over the Past 10 Years
Min: 5.16  Med: No Debt Max: No Debt
Current: 5.57
Equity to Asset 0.43
GDOT's Equity to Asset is ranked higher than
54% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 0.41 vs. GDOT: 0.43 )
Ranked among companies with meaningful Equity to Asset only.
GDOT' s Equity to Asset Range Over the Past 10 Years
Min: 0.33  Med: 0.45 Max: 0.66
Current: 0.43
0.33
0.66
Interest Coverage 5.93
GDOT's Interest Coverage is ranked lower than
51% of the 328 Companies
in the Global Credit Services industry.

( Industry Median: 6.47 vs. GDOT: 5.93 )
Ranked among companies with meaningful Interest Coverage only.
GDOT' s Interest Coverage Range Over the Past 10 Years
Min: 5.93  Med: 461.79 Max: 63670
Current: 5.93
5.93
63670
F-Score: 5
Z-Score: 1.72
M-Score: -3.42
WACC vs ROIC
5.95%
75.33%
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 (%) 7.71
GDOT's Operating margin (%) is ranked lower than
69% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 20.58 vs. GDOT: 7.71 )
Ranked among companies with meaningful Operating margin (%) only.
GDOT' s Operating margin (%) Range Over the Past 10 Years
Min: 7.71  Med: 15.28 Max: 27.11
Current: 7.71
7.71
27.11
Net-margin (%) 5.01
GDOT's Net-margin (%) is ranked lower than
70% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 14.73 vs. GDOT: 5.01 )
Ranked among companies with meaningful Net-margin (%) only.
GDOT' s Net-margin (%) Range Over the Past 10 Years
Min: 5.01  Med: 9.48 Max: 15.83
Current: 5.01
5.01
15.83
ROE (%) 5.01
GDOT's ROE (%) is ranked lower than
58% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 6.92 vs. GDOT: 5.01 )
Ranked among companies with meaningful ROE (%) only.
GDOT' s ROE (%) Range Over the Past 10 Years
Min: 5.01  Med: 19.14 Max: 82.48
Current: 5.01
5.01
82.48
ROA (%) 2.16
GDOT's ROA (%) is ranked lower than
53% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. GDOT: 2.16 )
Ranked among companies with meaningful ROA (%) only.
GDOT' s ROA (%) Range Over the Past 10 Years
Min: 2.16  Med: 11.42 Max: 33.71
Current: 2.16
2.16
33.71
ROC (Joel Greenblatt) (%) 76.29
GDOT's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 277 Companies
in the Global Credit Services industry.

( Industry Median: 15.61 vs. GDOT: 76.29 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GDOT' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 76.29  Med: 275.14 Max: 812.25
Current: 76.29
76.29
812.25
Revenue Growth (3Y)(%) -4.10
GDOT's Revenue Growth (3Y)(%) is ranked lower than
65% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. GDOT: -4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GDOT' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9 Max: 38.1
Current: -4.1
0
38.1
EBITDA Growth (3Y)(%) -2.60
GDOT's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 211 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. GDOT: -2.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GDOT' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 3.7 Max: 15.8
Current: -2.6
0
15.8
EPS Growth (3Y)(%) -12.40
GDOT's EPS Growth (3Y)(%) is ranked lower than
69% of the 211 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. GDOT: -12.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GDOT' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -8.9 Max: 13.5
Current: -12.4
0
13.5
» GDOT's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-11-05)


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

» Details

Guru Trades

Q3 2015

GDOT Guru Trades in Q3 2015

Richard Snow 1,033,624 sh (+17.34%)
Chuck Royce Sold Out
Jim Simons Sold Out
Joel Greenblatt 23,218 sh (-28.94%)
» More
Q4 2015

GDOT Guru Trades in Q4 2015

Richard Snow 1,209,139 sh (+16.98%)
Joel Greenblatt Sold Out
» More
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
» 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
Compare:NYSE:CSH, OTCPK:ATUUF, NAS:FSC, NAS:QIWI, NAS:FCFS, NYSE:NNI, NYSE:TCAP, NYSE:PHH, NYSE:YRD, OTCPK:AUTCF, OTCPK:ALARF, NAS:EZPW, NAS:NEWS, NYSE:ONDK, NYSE:AGM, NAS:WRLD, NAS:MGI, NAS:HAWK, NYSE:ENVA, 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
P/E(ttm) 34.40
GDOT's P/E(ttm) is ranked lower than
74% of the 275 Companies
in the Global Credit Services industry.

( Industry Median: 15.95 vs. GDOT: 34.40 )
Ranked among companies with meaningful P/E(ttm) only.
GDOT' s P/E(ttm) Range Over the Past 10 Years
Min: 7.43  Med: 23.91 Max: 134.38
Current: 34.4
7.43
134.38
Forward P/E 17.33
GDOT's Forward P/E is ranked lower than
73% of the 40 Companies
in the Global Credit Services industry.

( Industry Median: 11.33 vs. GDOT: 17.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 34.40
GDOT's PE(NRI) is ranked lower than
74% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 15.76 vs. GDOT: 34.40 )
Ranked among companies with meaningful PE(NRI) only.
GDOT' s PE(NRI) Range Over the Past 10 Years
Min: 7.43  Med: 23.91 Max: 134.38
Current: 34.4
7.43
134.38
P/B 1.69
GDOT's P/B is ranked lower than
63% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. GDOT: 1.69 )
Ranked among companies with meaningful P/B only.
GDOT' s P/B Range Over the Past 10 Years
Min: 1.08  Med: 1.79 Max: 18.39
Current: 1.69
1.08
18.39
P/S 1.71
GDOT's P/S is ranked higher than
75% of the 325 Companies
in the Global Credit Services industry.

( Industry Median: 3.65 vs. GDOT: 1.71 )
Ranked among companies with meaningful P/S only.
GDOT' s P/S Range Over the Past 10 Years
Min: 0.74  Med: 1.45 Max: 5.52
Current: 1.71
0.74
5.52
PFCF 14.47
GDOT's PFCF is ranked lower than
73% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 7.52 vs. GDOT: 14.47 )
Ranked among companies with meaningful PFCF only.
GDOT' s PFCF Range Over the Past 10 Years
Min: 5.37  Med: 13.52 Max: 30.88
Current: 14.47
5.37
30.88
POCF 9.25
GDOT's POCF is ranked lower than
56% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 8.07 vs. GDOT: 9.25 )
Ranked among companies with meaningful POCF only.
GDOT' s POCF Range Over the Past 10 Years
Min: 3.84  Med: 8.33 Max: 23.02
Current: 9.25
3.84
23.02
EV-to-EBIT 10.53
GDOT's EV-to-EBIT is ranked higher than
66% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 18.19 vs. GDOT: 10.53 )
Ranked among companies with meaningful EV-to-EBIT only.
GDOT' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.6  Med: 4.9 Max: 47.4
Current: 10.53
-3.6
47.4
EV-to-EBITDA 5.05
GDOT's EV-to-EBITDA is ranked higher than
85% of the 272 Companies
in the Global Credit Services industry.

( Industry Median: 15.33 vs. GDOT: 5.05 )
Ranked among companies with meaningful EV-to-EBITDA only.
GDOT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.3  Med: 3.1 Max: 43.5
Current: 5.05
-2.3
43.5
PEG 4.38
GDOT's PEG is ranked lower than
90% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 0.64 vs. GDOT: 4.38 )
Ranked among companies with meaningful PEG only.
GDOT' s PEG Range Over the Past 10 Years
Min: 1.6  Med: 3.56 Max: 5.74
Current: 4.38
1.6
5.74
Current Ratio 1.07
GDOT's Current Ratio is ranked lower than
83% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: 2.46 vs. GDOT: 1.07 )
Ranked among companies with meaningful Current Ratio only.
GDOT' s Current Ratio Range Over the Past 10 Years
Min: 1.07  Med: 1.52 Max: 2.68
Current: 1.07
1.07
2.68
Quick Ratio 1.07
GDOT's Quick Ratio is ranked lower than
81% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. GDOT: 1.07 )
Ranked among companies with meaningful Quick Ratio only.
GDOT' s Quick Ratio Range Over the Past 10 Years
Min: 1.07  Med: 1.52 Max: 2.68
Current: 1.07
1.07
2.68
Days Sales Outstanding 3.27
GDOT's Days Sales Outstanding is ranked higher than
65% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 9.91 vs. GDOT: 3.27 )
Ranked among companies with meaningful Days Sales Outstanding only.
GDOT' s Days Sales Outstanding Range Over the Past 10 Years
Min: 3.27  Med: 30.04 Max: 33.51
Current: 3.27
3.27
33.51

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -11.90
GDOT's 3-Year Average Share Buyback Ratio is ranked lower than
69% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: -2.30 vs. GDOT: -11.90 )
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: 3.4 Max: 0
Current: -11.9
-13
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 5.58
GDOT's Price/Tangible Book is ranked lower than
87% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 1.34 vs. GDOT: 5.58 )
Ranked among companies with meaningful Price/Tangible Book only.
GDOT' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.48  Med: 4.33 Max: 16.45
Current: 5.58
1.48
16.45
Price/Projected FCF 0.80
GDOT's Price/Projected FCF is ranked higher than
54% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. GDOT: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
GDOT' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.69  Med: 0.79 Max: 0.83
Current: 0.8
0.69
0.83
Price/Median PS Value 1.18
GDOT's Price/Median PS Value is ranked lower than
64% of the 302 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. GDOT: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
GDOT' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.6  Med: 1.04 Max: 3.45
Current: 1.18
0.6
3.45
Price/Peter Lynch Fair Value 5.55
GDOT's Price/Peter Lynch Fair Value is ranked lower than
97% of the 37 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. GDOT: 5.55 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
GDOT' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.4  Med: 3.14 Max: 5.55
Current: 5.55
1.4
5.55
Price/Graham Number 2.91
GDOT's Price/Graham Number is ranked lower than
85% of the 160 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. GDOT: 2.91 )
Ranked among companies with meaningful Price/Graham Number only.
GDOT' s Price/Graham Number Range Over the Past 10 Years
Min: 0.89  Med: 1.94 Max: 8.78
Current: 2.91
0.89
8.78
Earnings Yield (Greenblatt) (%) 9.50
GDOT's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 3.60 vs. GDOT: 9.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GDOT' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 16.8 Max: 2274.3
Current: 9.5
2.1
2274.3
Forward Rate of Return (Yacktman) (%) 13.36
GDOT's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 3.81 vs. GDOT: 13.36 )
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: 15.7 Max: 22.5
Current: 13.36
7.4
22.5

More Statistics

Revenue (TTM) (Mil) $698.8
EPS (TTM) $ 0.68
Beta0.63
Short Percentage of Float4.74%
52-Week Range $15.28 - 24.41
Shares Outstanding (Mil)48.70

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 709 756 788
EPS ($) 1.35 1.74 1.87
EPS w/o NRI ($) 1.35 1.74 1.87
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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 

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