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Green Dot Corp
GDOT : NYSE : Financial
$21.75 -0.14 | -0.64%
Today's Range: 21.70 - 22.24
Avg. Daily Volume: 525,100
12/19/14 - 4:08 PM ET

Financial Analysis


GREEN DOT CORP's gross profit margin for the third quarter of its fiscal year 2014 has increased when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago. GREEN DOT CORP has average liquidity. Currently, the Quick Ratio is 1.42 which shows that technically this company has the ability to cover short-term cash needs. The company's liquidity has decreased from the same period last year.

During the same period, stockholders' equity ("net worth") has increased by 21.60% from the same quarter last year. Together, the key liquidity measurements indicate that it is relatively unlikely that the company will face financial difficulties in the near future.

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Income Statement Q3 FY14 Q3 FY13
Net Sales ($mil)144.66136.54
EBITDA ($mil)24.3714.88
EBIT ($mil)15.757.97
Net Income ($mil)13.896.11


Balance Sheet Q3 FY14 Q3 FY13
Cash & Equiv. ($mil)773.15468.21
Total Assets ($mil)1116.21803.17
Total Debt ($mil)0.00.0
Equity ($mil)475.27390.82


Profitability Q3 FY14 Q3 FY13
Gross Profit Margin70.6965.09
EBITDA Margin16.8410.89
Operating Margin10.895.84
Sales Turnover0.530.71
Return on Assets3.995.4
Return on Equity8.179.33
Debt Q3 FY14 Q3 FY13
Current Ratio1.471.58
Debt/Capital0.00.0
Interest Expense0.020.02
Interest Coverage926.29362.41


Share Data Q3 FY14 Q3 FY13
Shares outstanding (mil)40.2937.34
Div / share0.00.0
EPS0.30.14
Book value / share11.810.47
Institutional Own % n/a n/a
Avg Daily Volume535576.0259341.0

Valuation


BUY. GREEN DOT CORP's P/E ratio indicates a premium compared to an average of 15.41 for the Consumer Finance industry and a premium compared to the S&P 500 average of 19.74. For additional comparison, its price-to-book ratio of 1.89 indicates a discount versus the S&P 500 average of 2.73 and a discount versus the industry average of 2.99. The price-to-sales ratio is below the S&P 500 average and is well below the industry average, indicating a discount.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
GDOT 23.27 Peers 15.41   GDOT 11.64 Peers 10.35

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

GDOT is trading at a significant premium to its peers.

 

Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

GDOT is trading at a premium to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
GDOT 12.99 Peers 13.73   GDOT NA Peers 1.70

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

GDOT is trading at a premium to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

Ratio not available.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
GDOT 1.89 Peers 2.99   GDOT 0.00 Peers 18.80

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

GDOT is trading at a significant discount to its peers.

 

Neutral. Higher earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

The growth rate for GDOT is not available.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
GDOT 1.52 Peers 2.65   GDOT 4.33 Peers 6.42

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

GDOT is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

GDOT significantly trails its peers on the basis of sales growth

 

 

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