Green Dot Corp

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GDOT : NYSE : Financial
$38.16 -0.32 | -0.83%
Today's Range: 38.02 - 38.59
Avg. Daily Volume: 300100.0
06/27/17 - 3:59 PM ET

Financial Analysis


GREEN DOT CORP's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged 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 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 remained virtually unchanged only decreasing by 1.70% 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 Q1 FY17 Q1 FY16
Net Sales ($mil)253.0228.02
EBITDA ($mil)78.2671.75
EBIT ($mil)62.9654.57
Net Income ($mil)40.7532.88


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)830.5802.22
Total Assets ($mil)1880.091684.71
Total Debt ($mil)145.29116.41
Equity ($mil)684.03695.92


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin74.076.13
EBITDA Margin30.9331.46
Operating Margin24.8823.93
Sales Turnover0.40.41
Return on Assets2.631.8
Return on Equity7.254.24
Debt Q1 FY17 Q1 FY16
Current Ratio0.921.13
Debt/Capital0.180.14
Interest Expense1.674.78
Interest Coverage37.8111.41


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)49.5649.87
Div / share0.00.0
EPS0.780.63
Book value / share13.813.96
Institutional Own % n/a n/a
Avg Daily Volume279073.0346231.0

Valuation


BUY. GREEN DOT CORP's P/E ratio indicates a significant premium compared to an average of 13.94 for the Consumer Finance industry and a significant premium compared to the S&P 500 average of 25.75. For additional comparison, its price-to-book ratio of 2.84 indicates valuation on par with the S&P 500 average of 3.09 and a premium versus the industry average of 2.21. The price-to-sales ratio is above the S&P 500 average and well above 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 41.21 Peers 13.94   GDOT 14.51 Peers 6.80

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 17.52 Peers 14.18   GDOT 0.29 Peers 8.04

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 2.84 Peers 2.21   GDOT 66.66 Peers -36.56

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 2.61 Peers 1.89   GDOT 6.92 Peers 5.29

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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