Switch to:

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 No Debt
GDOT's Cash to Debt is ranked higher than
93% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. GDOT: No Debt )
GDOT' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.43
GDOT's Equity to Asset is ranked higher than
87% of the 174 Companies
in the Global Credit Services industry.

( Industry Median: 0.24 vs. GDOT: 0.43 )
GDOT' s 10-Year Equity to Asset Range
Min: 0.33   Max: 0.66
Current: 0.43

0.33
0.66
Interest Coverage 682.39
GDOT's Interest Coverage is ranked higher than
88% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 4.42 vs. GDOT: 682.39 )
GDOT' s 10-Year Interest Coverage Range
Min: 118.13   Max: 9999.99
Current: 682.39

118.13
9999.99
F-Score: 4
Z-Score: 2.32
M-Score: -3.09
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 : 8/10

vs
industry
vs
history
Operating margin (%) 9.98
GDOT's Operating margin (%) is ranked higher than
60% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.93 vs. GDOT: 9.98 )
GDOT' s 10-Year Operating margin (%) Range
Min: 8.57   Max: 27.11
Current: 9.98

8.57
27.11
Net-margin (%) 7.51
GDOT's Net-margin (%) is ranked higher than
63% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 14.66 vs. GDOT: 7.51 )
GDOT' s 10-Year Net-margin (%) Range
Min: 5.93   Max: 15.83
Current: 7.51

5.93
15.83
ROE (%) 10.38
GDOT's ROE (%) is ranked higher than
75% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 11.73 vs. GDOT: 10.38 )
GDOT' s 10-Year ROE (%) Range
Min: 9.33   Max: 159.14
Current: 10.38

9.33
159.14
ROA (%) 4.40
GDOT's ROA (%) is ranked higher than
84% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 3.12 vs. GDOT: 4.40 )
GDOT' s 10-Year ROA (%) Range
Min: 4.25   Max: 33.71
Current: 4.4

4.25
33.71
ROC (Joel Greenblatt) (%) 97.35
GDOT's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. GDOT: 97.35 )
GDOT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 82.68   Max: 1467.22
Current: 97.35

82.68
1467.22
Revenue Growth (%) 30.70
GDOT's Revenue Growth (%) is ranked higher than
95% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. GDOT: 30.70 )
GDOT' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 38
Current: 30.7

0
38
EBITDA Growth (%) 13.30
GDOT's EBITDA Growth (%) is ranked higher than
81% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 10.20 vs. GDOT: 13.30 )
GDOT' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 15.9
Current: 13.3

0
15.9
EPS Growth (%) 14.00
GDOT's EPS Growth (%) is ranked higher than
72% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. GDOT: 14.00 )
GDOT' s 10-Year EPS Growth (%) Range
Min: 0   Max: 76.5
Current: 14

0
76.5
» GDOT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

GDOT Guru Trades in Q4 2013

Paul Tudor Jones 25,262 sh (New)
Jim Simons 733,900 sh (+53.12%)
Mario Cibelli 220,000 sh (+15.79%)
Mario Gabelli 8,000 sh (unchged)
Steven Cohen Sold Out
Columbia Wanger Sold Out
Joel Greenblatt Sold Out
» More
Q1 2014

GDOT Guru Trades in Q1 2014

Joel Greenblatt 115,159 sh (New)
Mario Cibelli 365,000 sh (+65.91%)
Paul Tudor Jones 26,000 sh (+2.92%)
Mario Gabelli Sold Out
Jim Simons 140,600 sh (-80.84%)
» More
Q2 2014

GDOT Guru Trades in Q2 2014

Jim Simons 314,900 sh (+123.97%)
Joel Greenblatt 112,240 sh (-2.53%)
Paul Tudor Jones 19,100 sh (-26.54%)
Mario Cibelli 225,000 sh (-38.36%)
» More
Q3 2014

GDOT Guru Trades in Q3 2014

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Mario Cibelli 2014-09-30 Sold Out 1.7%$16.84 - $23.41 $ 22.2619%0
Joel Greenblatt 2014-09-30 Reduce -88.45%0.02%$16.84 - $23.41 $ 22.2619%12961
Mario Cibelli 2014-06-30 Reduce -38.36%1.23%$16.9 - $20.26 $ 22.2621%225000
Mario Cibelli 2014-03-31 Add 65.91%1.27%$19.35 - $26.73 $ 22.260%365000
Joel Greenblatt 2014-03-31 New Buy0.03%$19.35 - $26.73 $ 22.260%115159
Mario Gabelli 2014-03-31 Sold Out $19.35 - $26.73 $ 22.260%0
Mario Cibelli 2013-12-31 Add 15.79%0.4%$20 - $26.09 $ 22.26-4%220000
Joel Greenblatt 2013-12-31 Sold Out 0.08%$20 - $26.09 $ 22.26-4%0
Mario Cibelli 2013-09-30 Reduce -10.38%0.24%$18.93 - $26.5 $ 22.26-4%190000
Richard Snow 2013-09-30 Sold Out 0.08%$18.93 - $26.5 $ 22.26-4%0
Joel Greenblatt 2013-09-30 Reduce -21.85%0.02%$18.93 - $26.5 $ 22.26-4%96200
Mario Gabelli 2013-09-30 New Buy$18.93 - $26.5 $ 22.26-4%8000
Joel Greenblatt 2013-03-31 Reduce -40.12%0.06%$12.2 - $16.78 $ 22.2656%121690
Richard Snow 2013-03-31 New Buy0.06%$12.2 - $16.78 $ 22.2656%78710
Ron Baron 2012-09-30 Sold Out 0.27%$9.06 - $24.97 $ 22.2645%0
George Soros 2012-09-30 Sold Out 0.26%$9.06 - $24.97 $ 22.2645%0
Joel Greenblatt 2012-09-30 Add 113.12%0.08%$9.06 - $24.97 $ 22.2645%197946
George Soros 2012-06-30 New Buy0.26%$20.17 - $26.91 $ 22.26-5%800000
Joel Greenblatt 2012-06-30 New Buy0.15%$20.17 - $26.91 $ 22.26-5%92880
Ron Baron 2012-06-30 Add 27.75%0.06%$20.17 - $26.91 $ 22.26-5%1960119
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Guru Investment Theses on Green Dot Corp

Baron Funds Comments on Green Dot Corp. - Dec 07, 2012

Shares of prepaid card program manager Green Dot Corp. (GDOT) fell 44.7% in the third quarter. The stock came under pressure after the company lowered expectations in its second quarter earnings report, and concerns grew about the strength of its exclusivity arrangements with various distributors. We sold our shares. (Rob Susman)

From Baron Funds third quarter letter.


Check out Ron Baron latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 23.10
GDOT's P/E(ttm) is ranked higher than
66% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 16.80 vs. GDOT: 23.10 )
GDOT' s 10-Year P/E(ttm) Range
Min: 8.03   Max: 71.69
Current: 23.1

8.03
71.69
P/B 1.88
GDOT's P/B is ranked higher than
69% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 1.96 vs. GDOT: 1.88 )
GDOT' s 10-Year P/B Range
Min: 1.08   Max: 18.38
Current: 1.88

1.08
18.38
P/S 1.46
GDOT's P/S is ranked higher than
83% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 2.79 vs. GDOT: 1.46 )
GDOT' s 10-Year P/S Range
Min: 0.78   Max: 5.9
Current: 1.46

0.78
5.9
PFCF 19.88
GDOT's PFCF is ranked higher than
82% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. GDOT: 19.88 )
GDOT' s 10-Year PFCF Range
Min: 5.6   Max: 27.88
Current: 19.88

5.6
27.88
EV-to-EBIT 4.50
GDOT's EV-to-EBIT is ranked higher than
98% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 20.07 vs. GDOT: 4.50 )
GDOT' s 10-Year EV-to-EBIT Range
Min: -3.8   Max: 68
Current: 4.5

-3.8
68
PEG 2.05
GDOT's PEG is ranked higher than
84% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. GDOT: 2.05 )
GDOT' s 10-Year PEG Range
Min: 0   Max: 4
Current: 2.05

0
4
Current Ratio 1.47
GDOT's Current Ratio is ranked higher than
67% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. GDOT: 1.47 )
GDOT' s 10-Year Current Ratio Range
Min: 1.25   Max: 2.68
Current: 1.47

1.25
2.68
Quick Ratio 1.47
GDOT's Quick Ratio is ranked higher than
67% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 1.95 vs. GDOT: 1.47 )
GDOT' s 10-Year Quick Ratio Range
Min: 1.25   Max: 2.68
Current: 1.47

1.25
2.68

Valuation & Return

vs
industry
vs
history
Price/Net Cash 6.97
GDOT's Price/Net Cash is ranked higher than
97% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. GDOT: 6.97 )
GDOT' s 10-Year Price/Net Cash Range
Min: 6.2   Max: 158
Current: 6.97

6.2
158
Price/Net Current Asset Value 5.84
GDOT's Price/Net Current Asset Value is ranked higher than
95% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. GDOT: 5.84 )
GDOT' s 10-Year Price/Net Current Asset Value Range
Min: 5.58   Max: 32.99
Current: 5.84

5.58
32.99
Price/Tangible Book 2.10
GDOT's Price/Tangible Book is ranked higher than
71% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 2.36 vs. GDOT: 2.10 )
GDOT' s 10-Year Price/Tangible Book Range
Min: 1.48   Max: 16.43
Current: 2.1

1.48
16.43
Price/Median PS Value 0.93
GDOT's Price/Median PS Value is ranked higher than
83% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. GDOT: 0.93 )
GDOT' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 3.4
Current: 0.93

0.52
3.4
Price/Graham Number 1.37
GDOT's Price/Graham Number is ranked higher than
71% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 1.37 vs. GDOT: 1.37 )
GDOT' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 5.99
Current: 1.37

0.77
5.99
Earnings Yield (Greenblatt) 22.20
GDOT's Earnings Yield (Greenblatt) is ranked higher than
98% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. GDOT: 22.20 )
GDOT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 117110.4
Current: 22.2

1.5
117110.4

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 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 
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
Business Highlights Nov 21 2014
Green Dot Backs CFPB's Proposed Prepaid Debit Card Rules Nov 17 2014
GREEN DOT CORP Financials Nov 14 2014
Green Dot Supports CFPB’s Proposed Rules For Prepaid Debit Cards Nov 14 2014
Green Dot Supports CFPB’s Proposed Rules For Prepaid Debit Cards Nov 14 2014
10-Q for Green Dot Corp. Nov 09 2014
GREEN DOT CORP Files SEC form 10-Q, Quarterly Report Nov 07 2014
Green Dot to Attend Investor Conferences in November Nov 03 2014
Green Dot to Attend Investor Conferences in November Nov 03 2014
Deutsche Banks Says Wal-Mart Is A Drag On Green Dot, Shares Spike Anyway Oct 31 2014
Green Dot Beats Q3 EPS Oct 30 2014
Green Dot tops 3Q profit forecasts Oct 30 2014
Green Dot Reports Third Quarter 2014 Results Oct 30 2014
Green Dot Corp Earnings Call scheduled for 5:00 pm ET today Oct 30 2014
GREEN DOT CORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 30 2014
Green Dot Reports Third Quarter 2014 Results Oct 30 2014
Q3 2014 Green Dot Corp Earnings Release - After Market Close Oct 30 2014
Deutsche Bank Believes Green Dot Could Be Affected By NetSpend Concerns Oct 29 2014
Will Xoom Corp (XOOM) Disappoint Q3 Earnings Estimates? Oct 24 2014
GREEN DOT CORP Files SEC form 8-K, Entry into a Material Definitive Agreement Oct 24 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK