Green Dot Corp

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GDOT : NYSE : Financial
$47.07 up 0.12 | 0.26%
Today's Range: 46.13 - 47.55
Avg. Daily Volume: 328100.0
08/17/17 - 2:19 PM ET

Financial Analysis


GREEN DOT CORP's gross profit margin for the second quarter of its fiscal year 2017 has decreased when compared to the same period a year ago. The company has grown sales and net income significantly, outpacing the average growth rates of competitors within its industry. GREEN DOT CORP has weak liquidity. Currently, the Quick Ratio is 0.89 which shows a lack of 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 8.14% from the same quarter last year. Overall, the key liquidity measurements indicate that the company is in a position in which financial difficulties could develop in the future.

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)222.55173.49
EBITDA ($mil)34.6323.35
EBIT ($mil)18.067.38
Net Income ($mil)19.278.03


Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)674.96627.95
Total Assets ($mil)1744.851528.69
Total Debt ($mil)90.06111.17
Equity ($mil)718.24664.12


Profitability Q2 FY17 Q2 FY16
Gross Profit Margin64.5670.22
EBITDA Margin15.5613.45
Operating Margin8.114.25
Sales Turnover0.450.46
Return on Assets3.472.29
Return on Equity8.485.13
Debt Q2 FY17 Q2 FY16
Current Ratio0.931.08
Debt/Capital0.110.14
Interest Expense1.531.41
Interest Coverage11.785.24


Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)50.3348.54
Div / share0.00.0
EPS0.370.16
Book value / share14.2713.68
Institutional Own % n/a n/a
Avg Daily Volume310189.0323933.0

Valuation


BUY. GREEN DOT CORP's P/E ratio indicates a significant premium compared to an average of 14.68 for the Consumer Finance industry and a significant premium compared to the S&P 500 average of 24.31. For additional comparison, its price-to-book ratio of 3.24 indicates valuation on par with the S&P 500 average of 3.03 and a premium versus the industry average of 2.19. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, GREEN DOT CORP proves to trade at a premium to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
GDOT 39.90 Peers 14.68   GDOT 14.46 Peers 5.86

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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
GDOT 19.61 Peers 13.93   GDOT 0.26 Peers 5.56

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 significant 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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
GDOT 3.24 Peers 2.19   GDOT 73.13 Peers 41.33

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

GDOT is trading at a significant premium 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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
GDOT 2.94 Peers 1.88   GDOT 13.45 Peers 6.19

Premium. 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 premium to its industry.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

GDOT has a sales growth rate that significantly exceeds its peers.

 

 

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