Green Dot Corp

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GDOT : NYSE : Financial
$28.88 | %
Today's Range: 0.0 - 0.0
Avg. Daily Volume: 309000.0
02/23/17 - 4:02 PM ET

Financial Analysis

GREEN DOT CORP's gross profit margin for the fourth quarter of its fiscal year 2016 has increased when compared to the same period a year ago. Sales and net income have grown, and although the growth in revenues has outpaced the average competitor within the industry, the net income growth has not. GREEN DOT CORP has average liquidity. Currently, the Quick Ratio is 1.02 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, indicating deteriorating cash flow.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 3.07% 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 Q4 FY16 Q4 FY15
Net Sales ($mil)162.77150.93
EBITDA ($mil)14.644.73
EBIT ($mil)0.23-11.8
Net Income ($mil)-1.35-6.07

Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)791.45827.03
Total Assets ($mil)1740.341691.45
Total Debt ($mil)100.69121.65
Equity ($mil)683.73663.32

Profitability Q4 FY16 Q4 FY15
Gross Profit Margin69.8965.38
EBITDA Margin8.993.13
Operating Margin0.14-7.81
Sales Turnover0.410.41
Return on Assets2.392.27
Return on Equity5.965.62
Debt Q4 FY16 Q4 FY15
Current Ratio1.051.1
Interest Expense1.51.43
Interest Coverage0.15-8.23

Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)50.5150.5
Div / share0.00.0
Book value / share13.5413.13
Institutional Own % n/a n/a
Avg Daily Volume305743.0228846.0


BUY. The current P/E ratio indicates a significant premium compared to an average of 13.71 for the Consumer Finance industry and a premium compared to the S&P 500 average of 26.52. For additional comparison, its price-to-book ratio of 1.98 indicates a discount versus the S&P 500 average of 2.96 and a discount versus the industry average of 2.24. The price-to-sales ratio is below both the S&P 500 average and the industry average, indicating a discount.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
GDOT 33.48 Peers 13.71   GDOT 12.13 Peers 8.70

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 significant premium to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
GDOT 13.80 Peers 13.42   GDOT 0.28 Peers 7.77

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.


Discount. 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.

GDOT trades at a significant discount to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
GDOT 1.98 Peers 2.24   GDOT 14.28 Peers -1.43

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 discount to its peers.


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

GDOT is expected to have an earnings growth rate that significantly exceeds its peers.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
GDOT 1.88 Peers 2.02   GDOT 3.46 Peers 6.37

Average. 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 valuation on par with 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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