NYSE:GDOT (USA) Also trade in: Germany UK

Green Dot Corp

$ 48.72 0.7 (1.46%)
Volume: 1,045,206 Avg Vol (1m): 821,357
Market Cap $: 2.59 Bil Enterprise Value $: 893.18 Mil
P/E (TTM): 23.64 P/B: 2.74
Earnings Power Value 12.22
Net Current Asset Value 0.65
Tangible Book 7.99
Projected FCF 40.85
Median P/S Value 33.9
Graham Number 19.24
Peter Lynch Value 19.57
DCF (FCF Based) 60.03
DCF (Earnings Based) 22.05
YTD (-%)

Financial Strength : 7/10

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.
Current vs industry vs history
Cash-to-Debt No Debt
Cash-To-Debt ranked higher than
50.33% of 449 companies
in the Credit Services industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
GDOT: No Debt
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 5.17, Med: 10000, Max: 10000
Current: 10000
5.17
10000
Equity-to-Asset 0.32
Equity-to-Asset ranked lower than
57.63% of 413 companies
in the Credit Services industry.
Industry Max: 1, Med: 0.43, Min: -16.13
GDOT: 0.32
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.32, Med: 0.43, Max: 0.66
Current: 0.32
0.32
0.66
Debt-to-EBITDA 0.29
Debt-to-EBITDA ranked higher than
92.23% of 283 companies
in the Credit Services industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
GDOT: 0.29
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0.29, Med: 0.76, Max: 1.33
Current: 0.29
0.29
1.33
Interest Coverage 15.66
Interest Coverage ranked higher than
54.48% of 402 companies
in the Credit Services industry.
Industry Max: 10000, Med: 7.5, Min: 0.01
GDOT: 15.66
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 6.94, Med: 146.5, Max: 63670
Current: 15.66
6.94
63670
Piotroski F-Score 5
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 1.50
DISTRESS
GREY
SAFE
Beneish M-Score -2.66
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 6.58%

Profitability & Growth : 7/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 9.54
Operating Margin ranked lower than
63.47% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 19.77, Min: -7041.41
GDOT: 9.54
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 8.54, Med: 11.02, Max: 27.11
Current: 9.54
8.54
27.11
Net Margin % 10.67
Net Margin ranked lower than
57.76% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
GDOT: 10.67
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 5.53, Med: 9.15, Max: 15.83
Current: 10.67
5.53
15.83
ROE % 12.55
ROE ranked higher than
66.74% of 436 companies
in the Credit Services industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
GDOT: 12.55
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 3.05, Med: 9.77, Max: 34.95
Current: 12.55
3.05
34.95
ROA % 4.51
ROA ranked higher than
67.77% of 453 companies
in the Credit Services industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
GDOT: 4.51
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 2.32, Med: 4.83, Max: 33.71
Current: 4.51
2.32
33.71
ROC (Joel Greenblatt) % 115.29
ROC (Joel Greenblatt) ranked higher than
83.06% of 366 companies
in the Credit Services industry.
Industry Max: 24326.53, Med: 13.96, Min: -25896.1
GDOT: 115.29
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 82.05, Med: 120.8, Max: 812.25
Current: 115.29
82.05
812.25
3-Year Total Revenue Growth Rate 14.50
3-Year Revenue Growth Rate ranked lower than
53.37% of 356 companies
in the Credit Services industry.
Industry Max: 1159, Med: 6.6, Min: -100
GDOT: 12.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -4.1, Med: 9.1, Max: 38.1
Current: 12.6
-4.1
38.1
3-Year Total EBITDA Growth Rate 17.00
3-Year EBITDA Growth Rate ranked higher than
52.55% of 314 companies
in the Credit Services industry.
Industry Max: 397.7, Med: 7.1, Min: -162.8
GDOT: 15.1
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: -8.3, Med: 11.1, Max: 18
Current: 15.1
-8.3
18
3-Year EPS w/o NRI Growth Rate 44.70
3-Year EPS w/o NRI Growth Rate ranked higher than
64.67% of 300 companies
in the Credit Services industry.
Industry Max: 1125.7, Med: 8, Min: -132.1
GDOT: 44.7
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: -3.2, Max: 44.7
Current: 44.7
0
44.7

» GDOT's 30-Y Financials

Financials (Next Earnings Date: 2019-08-08)

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Business Description

Industry Credit Services » Credit Services    NAICS : 522320    SIC : 7323
Compare XKRX:029780 BOM:533398 BKK:MTC OSTO:INTRUM NAS:NAVI NSE:SRTRANSFIN BKK:KTC-F SHSE:600901 BOM:533519 NAS:QFIN HKSE:01606 BOM:532955 TSX:EFN NAS:FCFS BOM:532810 NAS:SLM TSE:8570 TSE:7164 TSE:8593 NYSE:NNI
Traded in other countries 5GN.Germany 0J0N.UK
Address 3465 East Foothill Boulevard, Pasadena, CA, USA, 91107
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

Current vs industry vs history
PE Ratio (TTM) 23.64
PE Ratio ranked lower than
79.01% of 343 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
GDOT: 23.64
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 7.25, Med: 29.84, Max: 157.51
Current: 23.64
7.25
157.51
PE Ratio without NRI 23.64
PE without NRI ranked lower than
79.35% of 339 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
GDOT: 23.64
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 7.25, Med: 29.84, Max: 157.51
Current: 23.64
7.25
157.51
Price-to-Owner-Earnings 28.85
Price-to-Owner-Earnings ranked lower than
85.29% of 102 companies
in the Credit Services industry.
Industry Max: 1561.11, Med: 14.62, Min: 0.35
GDOT: 28.85
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 13.63, Med: 56.35, Max: 373.51
Current: 28.85
13.63
373.51
PB Ratio 2.74
PB Ratio ranked lower than
87.80% of 418 companies
in the Credit Services industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
GDOT: 2.74
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.08, Med: 2.28, Max: 18.39
Current: 2.74
1.08
18.39
PS Ratio 2.55
PS Ratio ranked lower than
55.80% of 414 companies
in the Credit Services industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
GDOT: 2.55
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.72, Med: 1.75, Max: 5.25
Current: 2.55
0.72
5.25
Price-to-Free-Cash-Flow 12.62
Price-to-Free-Cash-Flow ranked lower than
76.92% of 104 companies
in the Credit Services industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
GDOT: 12.62
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 5.22, Med: 16.47, Max: 31.8
Current: 12.62
5.22
31.8
Price-to-Operating-Cash-Flow 9.61
Price-to-Operating-Cash-Flow ranked lower than
73.23% of 127 companies
in the Credit Services industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
GDOT: 9.61
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 3.72, Med: 11.38, Max: 22.69
Current: 9.61
3.72
22.69
EV-to-EBIT 6.85
EV-to-EBIT ranked lower than
67.61% of 352 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 16.26, Min: 0.08
GDOT: 6.85
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -3.6, Med: 9.35, Max: 47.4
Current: 6.85
-3.6
47.4
EV-to-EBITDA 4.38
EV-to-EBITDA ranked lower than
50.82% of 366 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 14.65, Min: 0.08
GDOT: 4.38
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -2.3, Med: 5.25, Max: 43.5
Current: 4.38
-2.3
43.5
EV-to-Revenue 0.87
EV-to-Revenue ranked higher than
71.76% of 425 companies
in the Credit Services industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
GDOT: 0.87
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -0.3, Med: 1, Max: 10.5
Current: 0.87
-0.3
10.5
PEG Ratio 2.15
PEG Ratio ranked lower than
93.23% of 133 companies
in the Credit Services industry.
Industry Max: 257.2, Med: 0.97, Min: 0.01
GDOT: 2.15
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 1.91, Med: 5.14, Max: 25.2
Current: 2.15
1.91
25.2
Shiller PE Ratio 36.67
Shiller PE Ratio ranked lower than
100.00% of 66 companies
in the Credit Services industry.
Industry Max: 128.8, Med: 17.29, Min: 1.21
GDOT: 36.67
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 35.26, Med: 45.64, Max: 50.14
Current: 36.67
35.26
50.14
Current Ratio 1.04
Current Ratio ranked lower than
86.70% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
GDOT: 1.04
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.92, Med: 1.28, Max: 2.68
Current: 1.04
0.92
2.68
Quick Ratio 1.04
Quick Ratio ranked lower than
85.32% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
GDOT: 1.04
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.92, Med: 1.28, Max: 2.68
Current: 1.04
0.92
2.68
Days Sales Outstanding 4.45
Days Sales Outstanding ranked higher than
72.48% of 218 companies
in the Credit Services industry.
Industry Max: 928.93, Med: 19.27, Min: 0.03
GDOT: 4.45
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 2.24, Med: 16.99, Max: 33.51
Current: 4.45
2.24
33.51
Days Payable 93.19
Days Payable ranked lower than
100.00% of 64 companies
in the Credit Services industry.
Industry Max: 930.92, Med: 39.69, Min: 0.24
GDOT: 93.19
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 77.56, Med: 112.91, Max: 168.27
Current: 93.19
77.56
168.27

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -2.60
3-Year Share Buyback Rate ranked lower than
100.00% of 194 companies
in the Credit Services industry.
Industry Max: 26, Med: -3.7, Min: -404.3
GDOT: -2.6
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -13, Med: -2.9, Max: 4
Current: -2.6
-13
4

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 6.10
Price-to-Tangible-Book ranked lower than
95.84% of 409 companies
in the Credit Services industry.
Industry Max: 2322.04, Med: 1.26, Min: 0.04
GDOT: 6.1
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 1.48, Med: 5.03, Max: 19.87
Current: 6.1
1.48
19.87
Price-to-Projected-FCF 1.19
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
76.67% of 90 companies
in the Credit Services industry.
Industry Max: 23.81, Med: 1.01, Min: 0.05
GDOT: 1.19
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.69, Med: 1.17, Max: 2.8
Current: 1.19
0.69
2.8
Price-to-DCF (Earnings Based) 2.21
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked lower than
100.00% of 21 companies
in the Credit Services industry.
Industry Max: 2.76, Med: 0.79, Min: 0.14
GDOT: 2.21
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 2.75, Med: 3.08, Max: 3.41
Current: 2.21
2.75
3.41
Price-to-Median-PS-Value 1.44
Price-to-Median-PS-Value ranked lower than
90.98% of 366 companies
in the Credit Services industry.
Industry Max: 31, Med: 1, Min: 0.01
GDOT: 1.44
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.46, Med: 0.98, Max: 2.72
Current: 1.44
0.46
2.72
Price-to-Peter-Lynch-Fair-Value 2.49
Price-to-Peter-Lynch-Fair-Value ranked lower than
95.24% of 84 companies
in the Credit Services industry.
Industry Max: 394.94, Med: 0.93, Min: 0.16
GDOT: 2.49
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.59, Med: 4.13, Max: 6.97
Current: 2.49
0.59
6.97
Price-to-Graham-Number 2.53
Price-to-Graham-Number ranked lower than
95.48% of 199 companies
in the Credit Services industry.
Industry Max: 1124.21, Med: 1.07, Min: 0.02
GDOT: 2.53
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.86, Med: 2.59, Max: 9.5
Current: 2.53
0.86
9.5
Earnings Yield (Joel Greenblatt) % 14.55
Earnings Yield (Greenblatt) ranked lower than
52.42% of 454 companies
in the Credit Services industry.
Industry Max: 1250, Med: 4.38, Min: -434.78
GDOT: 14.55
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -2865.4, Med: 9.2, Max: 2822.5
Current: 14.55
-2865.4
2822.5
Forward Rate of Return (Yacktman) % 14.69
Forward Rate of Return ranked lower than
51.74% of 172 companies
in the Credit Services industry.
Industry Max: 154.45, Med: 8.48, Min: -140.02
GDOT: 14.69
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 5.1, Med: 11.2, Max: 20.7
Current: 14.69
5.1
20.7

More Statistics

Revenue (TTM) (Mil) $ 1,056.46
EPS (TTM) $ 2.06
Beta 0.68
Volatility % 33.88
52-Week Range $ 41.67 - 93
Shares Outstanding (Mil) 53.15

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 5
Positive ROA Y
Positive CFROA Y
Higher ROA yoy N
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy N
Less Shares Outstanding yoy N
Higher Gross Margin yoy Y
Higher Asset Turnover yoy N