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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 5.58
GDOT's Cash-to-Debt is ranked higher than
55% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 1.57 vs. GDOT: 5.58 )
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: 5.58
Equity-to-Asset 0.36
GDOT's Equity-to-Asset is ranked lower than
53% of the 326 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. GDOT: 0.36 )
Ranked among companies with meaningful Equity-to-Asset only.
GDOT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.33  Med: 0.44 Max: 0.66
Current: 0.36
0.33
0.66
Interest Coverage 11.69
GDOT's Interest Coverage is ranked higher than
50% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. GDOT: 11.69 )
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: 11.69
6.94
63670
Piotroski F-Score: 6
Altman Z-Score: 1.74
Beneish M-Score: 1.92
WACC vs ROIC
7.51%
73.22%
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 % 9.44
GDOT's Operating Margin % is ranked lower than
65% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 17.94 vs. GDOT: 9.44 )
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: 9.44
8.54
27.11
Net Margin % 6.65
GDOT's Net Margin % is ranked lower than
66% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 13.61 vs. GDOT: 6.65 )
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: 6.65
5.53
15.83
ROE % 7.27
GDOT's ROE % is ranked lower than
53% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 8.22 vs. GDOT: 7.27 )
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: 7.27
5.77
82.48
ROA % 2.94
GDOT's ROA % is ranked higher than
54% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.54 vs. GDOT: 2.94 )
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: 2.94
2.32
33.71
ROC (Joel Greenblatt) % 94.84
GDOT's ROC (Joel Greenblatt) % is ranked higher than
79% of the 326 Companies
in the Global Credit Services industry.

( Industry Median: 15.44 vs. GDOT: 94.84 )
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: 94.84
82.05
812.25
3-Year Revenue Growth Rate -2.90
GDOT's 3-Year Revenue Growth Rate is ranked lower than
69% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 6.50 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 higher than
53% of the 249 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
55% of the 241 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 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 7 Warning Signs with Green Dot Corp $GDOT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» GDOT's 30-Y Financials

Financials (Next Earnings Date: 2017-08-09 Est.)


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

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522320    SIC: 7323
Compare:NYSE:NNI, NYSE:LC, NAS:PRAA, NAS:HAWK, NAS:QIWI, NYSE:YRD, NYSE:FCFS, OTCPK:ECNCF, OTCPK:ELEEF, NAS:MGI, NYSE:TCAP, NYSE:OMF, NYSE:AGM, NAS:WRLD, NAS:FSC, OTCPK:ALARF, NAS:EZPW, NYSE:ENVA, NAS:NEWS, NYSE:XRF » details
Traded in other countries:5GN.Germany,
Headquarter Location:USA
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. It also processes tax refund disbursements in the United States.

Green Dot is a financial technology company that provides financial services for consumers in the United States without good banking options. Through its Account Services segment, the company offers GoBank mobile checking and Visa- or Mastercard-branded prepaid debit cards, both reloadable and non-reloadable. Green Dot also supplies private-label reloadable cards for Wal-Mart. Account services revenue is generated through monthly maintenance fees, ATM fees, new card fees, and interchange fees. The company's Processing and Settlement Services segment generates revenue through service fees on debit card reloads and tax refund processing. The tax refund processing business earns fees when customers of third-party tax preparers choose to pay the preparer's fee through Green Dot's service.

Ratios

vs
industry
vs
history
PE Ratio 41.24
GDOT's PE Ratio is ranked lower than
78% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 15.95 vs. GDOT: 41.24 )
Ranked among companies with meaningful PE Ratio only.
GDOT' s PE Ratio Range Over the Past 10 Years
Min: 7.43  Med: 24.94 Max: 134.38
Current: 41.24
7.43
134.38
Forward PE Ratio 21.10
GDOT's Forward PE Ratio is ranked lower than
78% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 12.79 vs. GDOT: 21.10 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 41.24
GDOT's PE Ratio without NRI is ranked lower than
77% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. GDOT: 41.24 )
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: 24.94 Max: 134.38
Current: 41.24
7.43
134.38
PB Ratio 2.81
GDOT's PB Ratio is ranked lower than
74% of the 321 Companies
in the Global Credit Services industry.

( Industry Median: 1.33 vs. GDOT: 2.81 )
Ranked among companies with meaningful PB Ratio only.
GDOT' s PB Ratio Range Over the Past 10 Years
Min: 1.08  Med: 1.83 Max: 18.39
Current: 2.81
1.08
18.39
PS Ratio 2.69
GDOT's PS Ratio is ranked higher than
60% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 3.93 vs. GDOT: 2.69 )
Ranked among companies with meaningful PS Ratio only.
GDOT' s PS Ratio Range Over the Past 10 Years
Min: 0.72  Med: 1.61 Max: 5.91
Current: 2.69
0.72
5.91
Price-to-Free-Cash-Flow 22.14
GDOT's Price-to-Free-Cash-Flow is ranked lower than
77% of the 81 Companies
in the Global Credit Services industry.

( Industry Median: 7.05 vs. GDOT: 22.14 )
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: 5.23  Med: 13.84 Max: 31.8
Current: 22.14
5.23
31.8
Price-to-Operating-Cash-Flow 15.08
GDOT's Price-to-Operating-Cash-Flow is ranked lower than
70% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 9.57 vs. GDOT: 15.08 )
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: 3.72  Med: 8.76 Max: 23.43
Current: 15.08
3.72
23.43
EV-to-EBIT 16.40
GDOT's EV-to-EBIT is ranked higher than
54% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 18.69 vs. GDOT: 16.40 )
Ranked among companies with meaningful EV-to-EBIT only.
GDOT' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.6  Med: 7 Max: 67.7
Current: 16.4
-3.6
67.7
EV-to-EBITDA 9.26
GDOT's EV-to-EBITDA is ranked higher than
75% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 15.71 vs. GDOT: 9.26 )
Ranked among companies with meaningful EV-to-EBITDA only.
GDOT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.3  Med: 4.2 Max: 61
Current: 9.26
-2.3
61
PEG Ratio 24.47
GDOT's PEG Ratio is ranked lower than
97% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.91 vs. GDOT: 24.47 )
Ranked among companies with meaningful PEG Ratio only.
GDOT' s PEG Ratio Range Over the Past 10 Years
Min: 1.64  Med: 4.5 Max: 24.47
Current: 24.47
1.64
24.47
Current Ratio 0.92
GDOT's Current Ratio is ranked lower than
87% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. GDOT: 0.92 )
Ranked among companies with meaningful Current Ratio only.
GDOT' s Current Ratio Range Over the Past 10 Years
Min: 0.92  Med: 1.46 Max: 2.68
Current: 0.92
0.92
2.68
Quick Ratio 0.92
GDOT's Quick Ratio is ranked lower than
84% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. GDOT: 0.92 )
Ranked among companies with meaningful Quick Ratio only.
GDOT' s Quick Ratio Range Over the Past 10 Years
Min: 0.92  Med: 1.46 Max: 2.68
Current: 0.92
0.92
2.68
Days Sales Outstanding 10.46
GDOT's Days Sales Outstanding is ranked higher than
55% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 14.13 vs. GDOT: 10.46 )
Ranked among companies with meaningful Days Sales Outstanding only.
GDOT' s Days Sales Outstanding Range Over the Past 10 Years
Min: 2.24  Med: 29.51 Max: 33.51
Current: 10.46
2.24
33.51

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -10.00
GDOT's 3-Year Average Share Buyback Ratio is ranked lower than
71% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: -1.30 vs. GDOT: -10.00 )
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: -3.3 Max: 0
Current: -10
-13
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 23.30
GDOT's Price-to-Tangible-Book is ranked lower than
96% of the 314 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 vs. GDOT: 23.30 )
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: 23.8
Current: 23.3
1.48
23.8
Price-to-Intrinsic-Value-Projected-FCF 1.58
GDOT's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
68% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. GDOT: 1.58 )
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: 0.69  Med: 0.79 Max: 1.62
Current: 1.58
0.69
1.62
Price-to-Median-PS-Value 1.68
GDOT's Price-to-Median-PS-Value is ranked lower than
82% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. GDOT: 1.68 )
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: 0.55  Med: 1.03 Max: 3.32
Current: 1.68
0.55
3.32
Price-to-Graham-Number 6.54
GDOT's Price-to-Graham-Number is ranked lower than
95% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. GDOT: 6.54 )
Ranked among companies with meaningful Price-to-Graham-Number only.
GDOT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.89  Med: 2.12 Max: 8.78
Current: 6.54
0.89
8.78
Earnings Yield (Greenblatt) % 6.08
GDOT's Earnings Yield (Greenblatt) % is ranked higher than
63% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.95 vs. GDOT: 6.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
GDOT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -3263.2  Med: 12.4 Max: 2274.3
Current: 6.08
-3263.2
2274.3
Forward Rate of Return (Yacktman) % 6.58
GDOT's Forward Rate of Return (Yacktman) % is ranked lower than
56% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 10.13 vs. GDOT: 6.58 )
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: 6.58  Med: 13.95 Max: 22.2
Current: 6.58
6.58
22.2

More Statistics

Revenue (TTM) (Mil) $743.75
EPS (TTM) $ 0.95
Beta0.91
Short Percentage of Float2.69%
52-Week Range $20.79 - 40.20
Shares Outstanding (Mil)50.51

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 847 896 940
EPS ($) 1.87 2.18 2.36
EPS without NRI ($) 1.87 2.18 2.36
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.40 0.48 0.58
» 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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