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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 No Debt
GDOT's Cash to Debt is ranked higher than
89% of the 1002 Companies
in the Global Business Services industry.

( Industry Median: 1.28 vs. GDOT: No Debt )
GDOT' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.41
GDOT's Equity to Asset is ranked higher than
57% of the 986 Companies
in the Global Business Services industry.

( Industry Median: 0.47 vs. GDOT: 0.41 )
GDOT' s 10-Year Equity to Asset Range
Min: 0.33   Max: 0.66
Current: 0.41

0.33
0.66
Interest Coverage 682.39
GDOT's Interest Coverage is ranked higher than
79% of the 704 Companies
in the Global Business Services industry.

( Industry Median: 20.25 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: 1.96
M-Score: -2.90
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 (%) 9.20
GDOT's Operating margin (%) is ranked higher than
74% of the 1002 Companies
in the Global Business Services industry.

( Industry Median: 6.96 vs. GDOT: 9.20 )
GDOT' s 10-Year Operating margin (%) Range
Min: 8.57   Max: 27.11
Current: 9.2

8.57
27.11
Net-margin (%) 6.29
GDOT's Net-margin (%) is ranked higher than
73% of the 1002 Companies
in the Global Business Services industry.

( Industry Median: 4.69 vs. GDOT: 6.29 )
GDOT' s 10-Year Net-margin (%) Range
Min: 5.93   Max: 15.83
Current: 6.29

5.93
15.83
ROE (%) 8.14
GDOT's ROE (%) is ranked higher than
67% of the 972 Companies
in the Global Business Services industry.

( Industry Median: 10.02 vs. GDOT: 8.14 )
GDOT' s 10-Year ROE (%) Range
Min: 8.46   Max: 387.98
Current: 8.14

8.46
387.98
ROA (%) 3.30
GDOT's ROA (%) is ranked higher than
64% of the 1016 Companies
in the Global Business Services industry.

( Industry Median: 4.27 vs. GDOT: 3.30 )
GDOT' s 10-Year ROA (%) Range
Min: 3.89   Max: 30.15
Current: 3.3

3.89
30.15
ROC (Joel Greenblatt) (%) 87.76
GDOT's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1012 Companies
in the Global Business Services industry.

( Industry Median: 31.39 vs. GDOT: 87.76 )
GDOT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 81.25   Max: 733.61
Current: 87.76

81.25
733.61
Revenue Growth (%) 30.70
GDOT's Revenue Growth (%) is ranked higher than
96% of the 874 Companies
in the Global Business Services industry.

( Industry Median: 5.30 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
78% of the 711 Companies
in the Global Business Services industry.

( Industry Median: 6.80 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
77% of the 654 Companies
in the Global Business Services industry.

( Industry Median: 7.00 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

Q3 2013

GDOT Guru Trades in Q3 2013

Mario Gabelli 8,000 sh (New)
Steven Cohen 14,525 sh (New)
Jim Simons 479,300 sh (+12.7%)
Columbia Wanger 100,000 sh (unchged)
Richard Snow Sold Out
Mario Cibelli 190,000 sh (-10.38%)
Joel Greenblatt 96,200 sh (-21.85%)
» More
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)
Columbia Wanger Sold Out
Joel Greenblatt Sold Out
Steven Cohen 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
» 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 2014-06-30 Reduce -38.36%1.23%$16.9 - $20.26 $ 19.435%225000
Mario Cibelli 2014-03-31 Add 65.91%1.27%$19.35 - $26.73 $ 19.43-13%365000
Joel Greenblatt 2014-03-31 New Buy0.03%$19.35 - $26.73 $ 19.43-13%115159
Mario Gabelli 2014-03-31 Sold Out $19.35 - $26.73 $ 19.43-13%0
Mario Cibelli 2013-12-31 Add 15.79%0.4%$20 - $26.09 $ 19.43-16%220000
Joel Greenblatt 2013-12-31 Sold Out 0.08%$20 - $26.09 $ 19.43-16%0
Mario Cibelli 2013-09-30 Reduce -10.38%0.24%$18.93 - $26.5 $ 19.43-16%190000
Joel Greenblatt 2013-09-30 Reduce -21.85%0.02%$18.93 - $26.5 $ 19.43-16%96200
Mario Gabelli 2013-09-30 New Buy$18.93 - $26.5 $ 19.43-16%8000
Joel Greenblatt 2013-03-31 Reduce -40.12%0.06%$12.2 - $16.78 $ 19.4336%121690
Ron Baron 2012-09-30 Sold Out 0.27%$9.06 - $24.97 $ 19.4327%0
George Soros 2012-09-30 Sold Out 0.26%$9.06 - $24.97 $ 19.4327%0
Joel Greenblatt 2012-09-30 Add 113.12%0.08%$9.06 - $24.97 $ 19.4327%197946
George Soros 2012-06-30 New Buy0.26%$20.17 - $26.91 $ 19.43-17%800000
Joel Greenblatt 2012-06-30 New Buy0.15%$20.17 - $26.91 $ 19.43-17%92880
Ron Baron 2012-06-30 Add 27.75%0.06%$20.17 - $26.91 $ 19.43-17%1960119
Ron Baron 2011-06-30 Add 25.81%0.06%$31.61 - $48.36 $ 19.43-50%1514555
Premium More recent guru trades are included for Premium Members only!!
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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) 23.90
GDOT's P/E(ttm) is ranked higher than
72% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 26.00 vs. GDOT: 23.90 )
GDOT' s 10-Year P/E(ttm) Range
Min: 8.03   Max: 71.69
Current: 23.9

8.03
71.69
P/B 1.70
GDOT's P/B is ranked higher than
79% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 3.07 vs. GDOT: 1.70 )
GDOT' s 10-Year P/B Range
Min: 1.08   Max: 18.38
Current: 1.7

1.08
18.38
P/S 1.27
GDOT's P/S is ranked higher than
71% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 1.54 vs. GDOT: 1.27 )
GDOT' s 10-Year P/S Range
Min: 0.78   Max: 5.9
Current: 1.27

0.78
5.9
PFCF 26.80
GDOT's PFCF is ranked higher than
76% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 45.30 vs. GDOT: 26.80 )
GDOT' s 10-Year PFCF Range
Min: 5.6   Max: 27.88
Current: 26.8

5.6
27.88
EV-to-EBIT -2.09
GDOT's EV-to-EBIT is ranked higher than
50% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 19.32 vs. GDOT: -2.09 )
GDOT' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 68
Current: -2.09

0.1
68
PEG 2.09
GDOT's PEG is ranked higher than
88% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. GDOT: 2.09 )
GDOT' s 10-Year PEG Range
Min: 0   Max: 4
Current: 2.09

0
4
Current Ratio 1.43
GDOT's Current Ratio is ranked higher than
60% of the 642 Companies
in the Global Business Services industry.

( Industry Median: 1.52 vs. GDOT: 1.43 )
GDOT' s 10-Year Current Ratio Range
Min: 1.25   Max: 2.68
Current: 1.43

1.25
2.68
Quick Ratio 1.43
GDOT's Quick Ratio is ranked higher than
65% of the 642 Companies
in the Global Business Services industry.

( Industry Median: 1.38 vs. GDOT: 1.43 )
GDOT' s 10-Year Quick Ratio Range
Min: 1.25   Max: 2.68
Current: 1.43

1.25
2.68

Valuation & Return

vs
industry
vs
history
Price/Net Cash 7.00
GDOT's Price/Net Cash is ranked higher than
95% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. GDOT: 7.00 )
GDOT' s 10-Year Price/Net Cash Range
Min: 5.95   Max: 158
Current: 7

5.95
158
Price/Net Current Asset Value 5.70
GDOT's Price/Net Current Asset Value is ranked higher than
95% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. GDOT: 5.70 )
GDOT' s 10-Year Price/Net Current Asset Value Range
Min: 4.79   Max: 32.76
Current: 5.7

4.79
32.76
Price/Tangible Book 1.90
GDOT's Price/Tangible Book is ranked higher than
84% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 12.24 vs. GDOT: 1.90 )
GDOT' s 10-Year Price/Tangible Book Range
Min: 1.48   Max: 16.43
Current: 1.9

1.48
16.43
Price/Median PS Value 0.80
GDOT's Price/Median PS Value is ranked higher than
90% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 1.16 vs. GDOT: 0.80 )
GDOT' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 3.36
Current: 0.8

0.52
3.36
Price/Graham Number 1.30
GDOT's Price/Graham Number is ranked higher than
86% of the 1098 Companies
in the Global Business Services industry.

( Industry Median: 51.77 vs. GDOT: 1.30 )
GDOT' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 5.99
Current: 1.3

0.77
5.99
Earnings Yield (Greenblatt) 43.80
GDOT's Earnings Yield (Greenblatt) is ranked higher than
98% of the 906 Companies
in the Global Business Services industry.

( Industry Median: 6.60 vs. GDOT: 43.80 )
GDOT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 117110.4
Current: 43.8

1.5
117110.4

Business Description

Industry: Business Services » Business Services
Compare: » details
Traded in other countries:5GN.Germany
Green Dot Corporation 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 provides money management solutions in the United States. It offers general purpose reloadable prepaid debit cards, and cash loading and transfer services. It sells its cards and offers its reload services nationwide at approximately 59,000 retail store locations, which provide consumers convenient access to its products and services. The Company's technology platform, Green PlaNET, provides essential functionality, including point-of-sale connectivity and interoperability with Visa, MasterCard and other payment or funds transfer networks, and compliance and other capabilities to its Green Dot Network, enabling real-time transactions in a secure environment. It has designed its products and services to appeal primarily to consumers living in households that earn less than $75,000 annually across the following four segments: Never-banked - households in which no one has ever had a bank account; Previously-banked - households in which at least one member has previously had a bank account, but no one has one currently; Underbanked - households in which at least one member currently has a bank account, but that also use non-bank financial service providers to conduct routine transactions like check cashing or bill payment; and Fully-banked - households that mainly rely on traditional financial services. It distributes its products and services at the retail locations of large national and regional chains throughout the United States and through the Internet. It operates in a highly regulated environment. Its main products and services consist of Green Dot-branded GPR cards, co-branded GPR cards and MoneyPak and point-of-sale, or POS, swipe reload transactions facilitated by the Green Dot Network. The Company also designs, and provide to its retail distributors for use in their stores, innovative packaging and in-store displays that generate consumer interest and differentiate its products from other card products on their racks. It provides customer service for all GPR card and gift card programs that the company manages and for MoneyPak on a 24-hour per day, 365-day per year basis, mainly through third-party service providers in Guatemala and the Philippines, and also through its staff in the United States. The Company competes for access to retail distribution channels and for the attention of consumers at the retail level. Its products and services are generally subject to federal, state and local laws and regulations, including: anti-money laundering laws; money transfer and payment instrument licensing regulations; escheatment laws; privacy and information safeguard laws; banking regulations; and consumer protection laws.
» 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 


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