View ValuationGreen Dot 将来の成長Future 基準チェック /36Green Dotは、124.5%と5.6%でそれぞれ年率124.5%で利益と収益が成長すると予測される一方、EPSはgrowで125.8%年率。主要情報124.5%収益成長率125.81%EPS成長率Consumer Finance 収益成長18.9%収益成長率5.6%将来の株主資本利益率n/aアナリストカバレッジLow最終更新日12 May 2026今後の成長に関する最新情報Price Target Changed • Nov 25Price target decreased by 10% to US$16.13Down from US$18.00, the current price target is an average from 2 analysts. New target price is 36% above last closing price of US$11.83. The company is forecast to post a net loss per share of US$1.24 next year compared to a net loss per share of US$0.50 last year.Price Target Changed • Aug 10Price target increased by 14% to US$14.00Up from US$12.25, the current price target is an average from 2 analysts. New target price is 45% above last closing price of US$9.64. Stock is down 4.1% over the past year. The company is forecast to post a net loss per share of US$0.89 next year compared to a net loss per share of US$0.50 last year.Price Target Changed • May 13Price target increased by 14% to US$12.25Up from US$10.75, the current price target is an average from 4 analysts. New target price is 17% above last closing price of US$10.45. Stock is up 2.2% over the past year. The company is forecast to post a net loss per share of US$0.26 next year compared to a net loss per share of US$0.50 last year.分析記事 • Mar 03Green Dot Corporation (NYSE:GDOT) Just Reported, And Analysts Assigned A US$9.75 Price TargetGreen Dot Corporation ( NYSE:GDOT ) shareholders are probably feeling a little disappointed, since its shares fell 8.3...Price Target Changed • Nov 08Price target increased by 24% to US$14.25Up from US$11.50, the current price target is an average from 4 analysts. New target price is 31% above last closing price of US$10.90. Stock is up 41% over the past year. The company is forecast to post a net loss per share of US$0.47 compared to earnings per share of US$0.13 last year.Price Target Changed • Oct 02Price target increased by 9.3% to US$11.75Up from US$10.75, the current price target is an average from 4 analysts. New target price is 7.3% above last closing price of US$10.95. Stock is down 18% over the past year. The company is forecast to post a net loss per share of US$0.28 compared to earnings per share of US$0.13 last year.すべての更新を表示Recent updatesSeeking Alpha • Jun 08Green Dot: The Prepaid Card Era Is Over, A New Era Is Just BeginningSummary Green Dot is transforming from a prepaid card provider to an embedded banking platform, targeting the rapidly expanding Banking-as-a-Service (BaaS) market. GDOT leverages its banking charter and APIs to enable partners to issue debit cards, manage accounts, and create branded digital banking experiences. Q1 2026 saw revenue rise 17% YoY to $656.2M and net income surge 109% YoY to $53.7M, with EPS beating estimates by $0.30. Despite strong financials, GDOT's stock remains undervalued, as Wall Street has yet to reward its growth and profitability. Read the full article on Seeking AlphaReported Earnings • May 12First quarter 2026 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2026 results: EPS: US$0.96 (up from US$0.47 in 1Q 2025). Revenue: US$654.7m (up 17% from 1Q 2025). Net income: US$53.8m (up 109% from 1Q 2025). Profit margin: 8.2% (up from 4.6% in 1Q 2025). Revenue exceeded analyst estimates by 9.1%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Revenue is forecast to grow 5.6% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 86 percentage points per year, which is a significant difference in performance.お知らせ • Apr 29Green Dot Corporation to Report Q1, 2026 Results on May 11, 2026Green Dot Corporation announced that they will report Q1, 2026 results After-Market on May 11, 2026Reported Earnings • Mar 18Full year 2025 earnings: EPS misses analyst expectationsFull year 2025 results: US$1.79 loss per share (further deteriorated from US$0.50 loss in FY 2024). Revenue: US$2.07b (up 21% from FY 2024). Net loss: US$98.9m (loss widened 270% from FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 44%. Revenue is forecast to grow 7.2% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 92 percentage points per year, which is a significant difference in performance.New Risk • Mar 17New major risk - Revenue and earnings growthEarnings have declined by 49% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.お知らせ • Feb 27Green Dot Corporation to Report Q4, 2025 Results on Mar 12, 2026Green Dot Corporation announced that they will report Q4, 2025 results on Mar 12, 2026Recent Insider Transactions • Nov 29Independent Director recently sold US$170k worth of stockOn the 28th of November, Saturnino Fanlo sold around 13k shares on-market at roughly US$12.61 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$268k more than they bought in the last 12 months.Price Target Changed • Nov 25Price target decreased by 10% to US$16.13Down from US$18.00, the current price target is an average from 2 analysts. New target price is 36% above last closing price of US$11.83. The company is forecast to post a net loss per share of US$1.24 next year compared to a net loss per share of US$0.50 last year.お知らせ • Nov 25Smith Ventures LLC entered into agreement to acquire Non-bank Financial Technology Business Assets and Operations of Green Dot Corporation (NYSE:GDOT) for $690 million.Smith Ventures LLC entered into agreement to acquire Non-bank Financial Technology Business Assets and Operations of Green Dot Corporation (NYSE:GDOT) for $690 million on November 23, 2025. In a related transaction, CommerceOne Financial Corporation entered into agreement to acquire Bank and Associated Assets and Operations of Green Dot Corporation (NYSE:GDOT) on November 23, 2025. Of that purchase price, $470 million will be distributed to Green Dot shareholders, while $155 million will be invested into the bank to provide additional regulatory capital and liquidity. Approximately $65 million will be used to pay off current indebtedness. Smith Ventures has partnered with TPG Credit, who provided a debt financing commitment. The transaction is subject to the receipt of required shareholder and regulatory approvals and other customary closing conditions and is expected to close in the second quarter of 2026. Citigroup Inc. served as financial advisor, and Wachtell, Lipton, Rosen & Katz LLP served as legal advisor to Green Dot Corporation. Stephens Inc. served as financial advisors, and King & Spalding LLP served as legal advisor for Smith Ventures LLC. Alvarez & Marsal Holdings, LLC provided consulting services to Smith Ventures LLC.お知らせ • Nov 24CommerceOne Financial Corporation entered into agreement to acquire Green Dot Corporation (NYSE:GDOT) for approximately $1.1 billion.CommerceOne Financial Corporation entered into agreement to acquire Green Dot Corporation (NYSE:GDOT) for approximately $1.1 billion on November 23, 2025. Upon completion of the acquisition, each share of Green Dot will be exchanged for $8.11 in cash and $11.07 stock in shares, which is approximately 0.2215 shares of the new publicly traded bank holding company. The implied value to shareholders of Green Dot is estimated to be approximately $14.23 – $19.18 per share based on an assumed tangible book value multiple of approximately 1.00x-1.80x applied to the combined bank tangible book value at closing. The implied aggregate value is estimated to be $825 million – $1.1 billion (including $470 million in cash). In a related transaction, Smith Ventures will acquire and privatize Green Dot’s non-bank financial technology business assets and operations, which will continue running as an independent and growth-focused fintech and embedded finance company. Former Green Dot shareholders will own approximately 72% of the new publicly traded bank holding company, and former CommerceOne shareholders will own approximately 28% of the company. C1 management and board to lead combined BankCo. The transaction is subject to the receipt of required shareholder, regulatory approvals, effectiveness of registration statement (S-4) and other customary closing conditions and is expected to close in the second quarter of 2026. Committed debt and equity financing of $515 million and $200 million. Citigroup Inc. (NYSE:C) is serving as financial advisor and Wachtell, Lipton, Rosen & Katz is serving as legal advisor to to Green Dot Corporation. Performance Trust Capital Partners LLC is serving as financial advisors and Sullivan & Cromwell LLP is serving as legal counsel to CommerceOne. EY Parthenon and Cornerstone Advisors provided consulting services to CommerceOne.Reported Earnings • Nov 11Third quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2025 results: US$0.56 loss per share (further deteriorated from US$0.15 loss in 3Q 2024). Revenue: US$493.3m (up 21% from 3Q 2024). Net loss: US$30.8m (loss widened 293% from 3Q 2024). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) missed analyst estimates by 115%. Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 82 percentage points per year, which is a significant difference in performance.お知らせ • Oct 21Green Dot Corporation to Report Q3, 2025 Results on Nov 10, 2025Green Dot Corporation announced that they will report Q3, 2025 results After-Market on Nov 10, 2025Recent Insider Transactions Derivative • Aug 13Key Executive notifies of intention to sell stockChris Ruppel intends to sell 28k shares in the next 90 days after lodging an Intent To Sell Form on the 12th of August. If the sale is conducted around the recent share price of US$12.39, it would amount to US$346k. Since December 2024, Chris' direct individual holding has increased from 167.85k shares to 253.14k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.New Risk • Aug 12New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of American stocks, typically moving 5.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.Reported Earnings • Aug 12Second quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2025 results: US$0.85 loss per share (further deteriorated from US$0.54 loss in 2Q 2024). Revenue: US$502.5m (up 24% from 2Q 2024). Net loss: US$47.0m (loss widened 64% from 2Q 2024). Revenue exceeded analyst estimates by 2.2%. Earnings per share (EPS) missed analyst estimates significantly. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 15% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 78 percentage points per year, which is a significant difference in performance.Price Target Changed • Aug 10Price target increased by 14% to US$14.00Up from US$12.25, the current price target is an average from 2 analysts. New target price is 45% above last closing price of US$9.64. Stock is down 4.1% over the past year. The company is forecast to post a net loss per share of US$0.89 next year compared to a net loss per share of US$0.50 last year.お知らせ • Jul 22Green Dot Corporation to Report Q2, 2025 Results on Aug 11, 2025Green Dot Corporation announced that they will report Q2, 2025 results After-Market on Aug 11, 2025Price Target Changed • May 13Price target increased by 14% to US$12.25Up from US$10.75, the current price target is an average from 4 analysts. New target price is 17% above last closing price of US$10.45. Stock is up 2.2% over the past year. The company is forecast to post a net loss per share of US$0.26 next year compared to a net loss per share of US$0.50 last year.Recent Insider Transactions Derivative • May 11Key Executive notifies of intention to sell stockChris Ruppel intends to sell 10k shares in the next 90 days after lodging an Intent To Sell Form on the 9th of May. If the sale is conducted around the recent share price of US$11.00, it would amount to US$112k. Since December 2024, Chris' direct individual holding has decreased from 167.85k shares to 106.31k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.Reported Earnings • May 09First quarter 2025 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2025 results: EPS: US$0.47 (up from US$0.09 in 1Q 2024). Revenue: US$557.5m (up 24% from 1Q 2024). Net income: US$25.8m (up 443% from 1Q 2024). Profit margin: 4.6% (up from 1.1% in 1Q 2024). Revenue exceeded analyst estimates by 10%. Earnings per share (EPS) also surpassed analyst estimates by 8.5%. Revenue is forecast to grow 14% p.a. on average during the next 2 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 66 percentage points per year, which is a significant difference in performance.お知らせ • May 09Green Dot Corporation Reports Impairment Charges for the First Quarter Ended March 31, 2025Green Dot Corporation reported impairment charges for the first quarter ended March 31, 2025. For the quarter, the company reported impairment of long-lived assets of $61,000 against $2,821,000.お知らせ • May 08Green Dot Receives PE InterestThe Utah-based fintech Green Dot Corporation (NYSE: GDOT), which provides prepaid debit cards, has attracted interest from PE firms. Green Dot owns a bank, while federal law prohibits PE firms from owning more than 24.9% of a bank. This could complicate the sale process. Green Dot announced in March that it had hired advisors to consider strategic options.お知らせ • Apr 15Green Dot Corporation to Report Q1, 2025 Results on May 08, 2025Green Dot Corporation announced that they will report Q1, 2025 results After-Market on May 08, 2025お知らせ • Apr 14Green Dot Corporation, Annual General Meeting, May 22, 2025Green Dot Corporation, Annual General Meeting, May 22, 2025.お知らせ • Mar 10+ 1 more updateGreen Dot Corporation Announces Executive ChangesEffective March 7, 2025, the Board of Directors of Green Dot Corporation appointed Chris Ruppel as interim President of Green Dot . George Gresham ceased serving as President of the Company and the Bank and as a member of the Board. Mr. Jacobs will continue to serve as Chairperson of the Board. Mr. Jacobs, age 83, has served as the Chairperson of the Board since June 2016 and served as the Company’s interim Chief Executive Officer from January 2020 to the end of March 2020. Mr. Jacobs served as a member of the board of directors of Global Payments Inc., a payment processing services company, from 2001 to April 2022, during which time he served as the Chairman of the board of directors from June 2014 until September 2019. He also served as Lead Independent Director of that company from 2003 to May 2014 and as one of its business advisors from August 2002 until September 2019. Prior to joining the board of directors of Global Payments, Mr. Jacobs served as Managing Director and Chief Financial Officer of The New Power Company from 2000 to 2002. From 1995 to 2000, Mr. Jacobs served in various senior roles at MasterCard International. Prior to MasterCard, Mr. Jacobs served as Executive Vice President, Chief Operating Officer of Financial Security Assurance Inc., from 1984 to 1994. Mr. Jacobs previously served on the board of directors of Asset Acceptance Capital Corp., Investment Technology Group Inc., and Alpharma Inc. Mr. Jacobs has served on the board of directors of Repay Holdings Corporation, a publicly traded financial technology company, since July 2019. He holds a B.S. degree in Business Administration from American University and a J.D. from American University Washington College of Law. Mr. Ruppel, age 53, has served as the Company’s Chief Revenue Officer since November 2022. Previously, he had served as the Company’s Head of Direct to Consumer from March 2022 to November 2022 and as General Manager of Wage and Corporate Disbursements from March 2017 to March 2022. Mr. Ruppel joined the Company in connection with its March 2017 acquisition of UniRush LLC, where he had served as that company’s President of rapid! PayCard since January 2015. Mr. Ruppel founded rapid! PayCard, a prepaid payroll debit card provider, and served as its Chief Executive Officer from January 2004 until March 2011, when it was acquired by WEX Inc. Following the acquisition of rapid! PayCard, he served in leadership positions at WEX Inc., including most recently as General Manager of Prepaid Cards, The Americas, from March 2013 to January 2014. Mr. Ruppel received B.A. degrees in English and Finance from Florida State University.Buy Or Sell Opportunity • Mar 03Now 27% undervalued after recent price dropOver the last 90 days, the stock has fallen 35% to US$6.71. The fair value is estimated to be US$9.22, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.3% over the last 3 years. Meanwhile, the company became loss making.分析記事 • Mar 03Green Dot Corporation (NYSE:GDOT) Just Reported, And Analysts Assigned A US$9.75 Price TargetGreen Dot Corporation ( NYSE:GDOT ) shareholders are probably feeling a little disappointed, since its shares fell 8.3...お知らせ • Mar 03Green Dot Corporation Appoints Kim Olson as Chief Risk OfferGreen Dot Corporation announced that Kim Olson has joined the company as Chief Risk Officer responsible for overseeing all aspects of Green Dot’s risk management strategy and program execution and reporting directly to the Chief Executive Officer. Olson joins Green Dot from Discover Financial Services where she was the Head of the Office of Remediation, responsible for overseeing and challenging the enterprise’s remediation of significant regulatory matters, including consent orders, since November 2023. She has over 30 years of deep and multi-faceted financial services experience, previously serving as chief risk officer and in senior risk oversight roles at leading global banking organizations, as well as rating agency and professional services experience advising financial institutions on risk management, evolving regulations and strategy. Olson began her career at the Federal Reserve Bank of New York, where she held a variety of senior policy, regulatory and examination roles in banking supervision.Reported Earnings • Feb 28Full year 2024 earnings: Revenues exceed analysts expectations while EPS lags behindFull year 2024 results: US$0.50 loss per share (down from US$0.13 profit in FY 2023). Revenue: US$1.72b (up 15% from FY 2023). Net loss: US$26.7m (down 497% from profit in FY 2023). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) missed analyst estimates by 10%. Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 55 percentage points per year, which is a significant difference in performance.お知らせ • Feb 04Green Dot Corporation to Report Q4, 2024 Results on Feb 27, 2025Green Dot Corporation announced that they will report Q4, 2024 results at 4:00 PM, US Eastern Standard Time on Feb 27, 2025Seeking Alpha • Nov 15Green Dot: A Turnaround Play That May Pay OutSummary Green Dot is transforming by investing in embedded finance to offset declines from legacy operations, focusing on consumer services, B2B, and money movement services. Despite recent struggles, GDOT's margin improvements and new BaaS customers like PLS and Dayforce signal potential growth in embedded finance. Risks include competition, low BaaS margins, and reliance on key partners like Walmart, but GDOT's disciplined approach and tech investments offer hope. With a conservative valuation of $33.57/share, GDOT presents a strong buy opportunity for patient investors with a high risk tolerance. Read the full article on Seeking AlphaPrice Target Changed • Nov 08Price target increased by 24% to US$14.25Up from US$11.50, the current price target is an average from 4 analysts. New target price is 31% above last closing price of US$10.90. Stock is up 41% over the past year. The company is forecast to post a net loss per share of US$0.47 compared to earnings per share of US$0.13 last year.Reported Earnings • Nov 08Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2024 results: US$0.15 loss per share (further deteriorated from US$0.12 loss in 3Q 2023). Revenue: US$408.2m (up 16% from 3Q 2023). Net loss: US$7.84m (loss widened 25% from 3Q 2023). Revenue exceeded analyst estimates by 5.1%. Earnings per share (EPS) missed analyst estimates. Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 38 percentage points per year, which is a significant difference in performance.Buy Or Sell Opportunity • Nov 06Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 50% to US$13.28. The fair value is estimated to be US$10.94, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 3.9% over the last 3 years. Meanwhile, the company became loss making.お知らせ • Oct 11Green Dot Corporation to Report Q3, 2024 Results on Nov 07, 2024Green Dot Corporation announced that they will report Q3, 2024 results After-Market on Nov 07, 2024Price Target Changed • Oct 02Price target increased by 9.3% to US$11.75Up from US$10.75, the current price target is an average from 4 analysts. New target price is 7.3% above last closing price of US$10.95. Stock is down 18% over the past year. The company is forecast to post a net loss per share of US$0.28 compared to earnings per share of US$0.13 last year.New Risk • Aug 11New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.6% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.Reported Earnings • Aug 09Second quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2024 results: US$0.54 loss per share (down from US$0.011 profit in 2Q 2023). Revenue: US$405.8m (up 11% from 2Q 2023). Net loss: US$28.7m (down US$29.3m from profit in 2Q 2023). Revenue exceeded analyst estimates by 5.2%. Earnings per share (EPS) missed analyst estimates significantly. Revenue is forecast to grow 8.9% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 40% per year, which means it has not declined as severely as earnings.お知らせ • Jul 12Green Dot Corporation to Report Q2, 2024 Results on Aug 08, 2024Green Dot Corporation announced that they will report Q2, 2024 results at 4:00 PM, US Eastern Standard Time on Aug 08, 2024Reported Earnings • May 10First quarter 2024 earnings released: EPS: US$0.09 (vs US$0.69 in 1Q 2023)First quarter 2024 results: EPS: US$0.09 (down from US$0.69 in 1Q 2023). Revenue: US$450.5m (up 8.6% from 1Q 2023). Net income: US$4.75m (down 87% from 1Q 2023). Profit margin: 1.1% (down from 8.7% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has fallen by 38% per year, which means it is performing significantly worse than earnings.お知らせ • Apr 12+ 1 more updateGreen Dot Corporation to Report Q1, 2024 Results on May 09, 2024Green Dot Corporation announced that they will report Q1, 2024 results After-Market on May 09, 2024Buy Or Sell Opportunity • Apr 05Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.3% to US$8.38. The fair value is estimated to be US$10.84, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has grown by 16%. Revenue is forecast to grow by 14% in 2 years. Earnings are forecast to grow by 611% in the next 2 years.お知らせ • Mar 27Green Dot Corporation Appoints Robert Millard to the Board of DirectorsGreen Dot Corporation announced the appointment of Robert Millard to its Board of Directors, effective March 25, 2024. Mr. Millard is currently Chief Financial Officer at CHG Healthcare, where he plays a key role in the company’s strategic vision and execution and is responsible for all elements of financial management as well as CHG’s legal and risk functions. Prior to CHG, Millard served as CFO at Earnest and as CFO for GE Capital Bank. Mr. Millard has served on Green Dot Bank’s Board of Directors since 2017.Recent Insider Transactions • Mar 14Chief Revenue Officer recently bought US$299k worth of stockOn the 11th of March, Chris Ruppel bought around 33k shares on-market at roughly US$9.06 per share. This transaction amounted to 48% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.お知らせ • Mar 06Green Dot Appoints Melissa Douros as Chief Product OfficerGreen Dot Corporation announced the appointment of Melissa Douros as Chief Product Officer. Douros will lead Green Dot’s product design and development team with a focus on building simple, seamless and useful tools for Green Dot’s customers and growing list of world-class banking-as-a-service (BaaS) and embedded finance partners. Prior to joining Green Dot, Douros was vice president of digital experience at Discover Financial Services, where she led an enterprise-wide digital transformation for the company during a period of rapid business growth. Prior to Discover, Douros also held senior digital product roles at Great Wolf Resorts Inc. and E*TRADE. Following the completion of a comprehensive, multi-year processor conversion to transform the company into a more efficient, nimble and powerful platform company, Green Dot is now focused on operational excellence and growth. Douros will lead the team building experiences, features and functionality for Green Dot’s wide variety of customers, which includes direct customers of its digital bank GO2bank, its BaaS partners (including recent additions Dayforce, Stockpile and Credibly), and more.New Risk • Feb 29New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 66% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (0.4% net profit margin). Shareholders have been diluted in the past year (2.2% increase in shares outstanding).Reported Earnings • Feb 28Full year 2023 earnings: EPS misses analyst expectationsFull year 2023 results: EPS: US$0.13 (down from US$1.20 in FY 2022). Revenue: US$1.50b (up 3.4% from FY 2022). Net income: US$6.72m (down 90% from FY 2022). Profit margin: 0.4% (down from 4.4% in FY 2022). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 75%. Revenue is forecast to grow 6.7% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 44% per year, which means it is significantly lagging earnings.お知らせ • Feb 27Green Dot Corporation Announces Appointment of Michael Meston as Chief Human Resources OfficerGreen Dot Corporation announced the appointment of Michael Meston as Chief Human Resources Officer. Meston will play a key role in the company’s evolution as a performance-driven platform company that now operates primarily in a remote “work from anywhere” model. He will report directly to Chief Executive Officer George Gresham. Prior to joining Green Dot, Meston was vice president and head of human resources for the BNANO group at Bruker Corporation, a global provider of life science research and diagnostic solutions. Prior to Bruker Corporation, Meston held senior human resources roles at Dexcom, Western Digital and Intel across the United States and Asia. Headquartered in Austin, Texas, Green Dot has operated in a mostly remote “work from anywhere” model in the U.S. since 2020 in order to attract top talent aligned with its mission and values and maximize the benefits of remote work for employees. Having recently completed a comprehensive, multi-year processor conversion to transform the company into a more efficient, nimble and powerful platform company, Green Dot is now focused on operational excellence and growth. The company recently announced the addition of several new banking-as-a-service (BaaS) partners including Dayforce, Stockpile, Credibly and others.Buy Or Sell Opportunity • Feb 20Now 20% undervaluedThe stock has been flat over the last 90 days, currently trading at US$8.33. The fair value is estimated to be US$10.45, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.8% over the last 3 years. Earnings per share has grown by 23%. Revenue is forecast to grow by 8.3% in 2 years. Earnings are forecast to grow by 73% in the next 2 years.Seeking Alpha • Feb 07Green Dot: Cheap With Some CaveatsSummary Today, we take a deeper look at fintech firm Green Dot Corporation, whose stock has dropped over 50% from its summer highs. The stock is cheap on a P/E basis, but the company currently faces several challenges and headwinds. An analysis around Green Dot follows in the paragraphs below. Read the full article on Seeking Alphaお知らせ • Jan 30Green Dot Corporation to Report Q4, 2023 Results on Feb 27, 2024Green Dot Corporation announced that they will report Q4, 2023 results After-Market on Feb 27, 2024お知らせ • Dec 09Green Dot Corporation Announces Resignation of Rajeev V. Date as Member of the Board of Directors and Nominating and Corporate Governance Committee and Risk Committee, Effective December 31, 2023On December 6, 2023, Rajeev V. Date, a member of the Board of Directors of Green Dot Corporation and a member of the Nominating and Corporate Governance Committee and Risk Committee notified the Board that he was resigning from the Board effective December 31, 2023.Seeking Alpha • Nov 24Green Dot: Current Troubles Are Hiding Future PotentialSummary Green Dot is a FinTech company focused on cash/debit services, targeting the unbanked and underbanked population. My overall investment thesis revolves around the potential of GO2bank as a digital bank for the underbanked population. GDOT is currently trading at roughly $8.4 which would give the stock a P/E of 4.9x to 5.2x. Read the full article on Seeking AlphaValuation Update With 7 Day Price Move • Nov 16Investor sentiment deteriorates as stock falls 30%After last week's 30% share price decline to US$8.28, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 6x in the Consumer Finance industry in the US. Total loss to shareholders of 84% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$10.39 per share.お知らせ • Nov 11Green Dot Corporation Updates Unaudited Earnings Guidance for the Fiscal Year 2023Green Dot Corporation updated unaudited earnings guidance for the fiscal year 2023. For the year, the company expected total operating revenues to be in the range of $1,482 million to $1,497 million; Net income to be in the range of $22.0 million to $25.7 million; GAAP Diluted earnings per share to be in the range of $0.42 to $0.49.New Risk • Nov 10New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 27% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Buying Opportunity • Nov 10Now 27% undervalued after recent price dropOver the last 90 days, the stock is down 52%. The fair value is estimated to be US$10.61, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.8% over the last 3 years. Earnings per share has grown by 23%. Revenue is forecast to grow by 7.9% in 2 years. Earnings is forecast to grow by 21% in the next 2 years.お知らせ • Oct 20Green Dot Corporation to Report Q3, 2023 Results on Nov 09, 2023Green Dot Corporation announced that they will report Q3, 2023 results After-Market on Nov 09, 2023Price Target Changed • Oct 19Price target decreased by 15% to US$18.17Down from US$21.33, the current price target is an average from 6 analysts. New target price is 52% above last closing price of US$11.97. Stock is down 33% over the past year. The company is forecast to post earnings per share of US$0.69 for next year compared to US$1.20 last year.Price Target Changed • Oct 18Price target decreased by 7.6% to US$20.17Down from US$21.83, the current price target is an average from 6 analysts. New target price is 64% above last closing price of US$12.31. Stock is down 35% over the past year. The company is forecast to post earnings per share of US$0.69 for next year compared to US$1.20 last year.お知らせ • Oct 07Green Dot Corporation Announces Board ChangesGreen Dot Corporation announced the appointment of Michelleta (Mich) Razon to its Board of Directors, effective immediately. Ms. Razon most recently served as Vice President, General Manager and Head of Commerce at Google Cloud, Google’s suite of cloud computing tools and services used by consumers and businesses to enhance productivity and workflow. Before joining Google in 2021, Mich worked for Mastercard®, where she most recently served as Executive Vice President of Software Engineering for Commercial and B2B Services. Prior to joining Mastercard, Mich held various technical leadership positions at Teradata from 2008 to 2014. In addition to Mich’s appointment, Green Dot announced that Peter Feld will be resigning from the Board of Directors, effective immediately.New Risk • Aug 04New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 22% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Reported Earnings • Aug 04Second quarter 2023 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2023 results: EPS: US$0.011 (down from US$0.28 in 2Q 2022). Revenue: US$365.6m (flat on 2Q 2022). Net income: US$578.0k (down 96% from 2Q 2022). Profit margin: 0.2% (down from 4.1% in 2Q 2022). Revenue exceeded analyst estimates by 7.9%. Earnings per share (EPS) missed analyst estimates by 92%. Revenue is forecast to grow 1.1% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has fallen by 32% per year, which means it is significantly lagging earnings.Seeking Alpha • Aug 04Green Dot's Q2 Leap: Navigating Through The GreenSummary Green Dot Corporation's Q2 financial results beat expectations with higher non-GAAP EPS and revenue. The company demonstrated resilience in its Money Movement division and saw growth in its direct deposit accounts. However, challenges in the consumer sphere and B2B sector raise concerns, suggesting a "hold" recommendation for investors is appropriate. Read the full article on Seeking Alphaお知らせ • Jul 23Green Dot Corporation Announces Resignation of Jeffrey Osher as Member of the Board of Directors, Member of the Audit Committee and Nominating and Corporate Governance Committee, Effective July 31, 2023On July 17, 2023, Jeffrey Osher, a member of the Board of Directors of Green Dot Corporation and a member of the Audit Committee and Nominating and Corporate Governance Committee notified the Board that he was resigning from the Board, the Audit Committee and the Nominating and Corporate Governance Committee effective July 31, 2023.お知らせ • Jul 14Green Dot Corporation to Report Q2, 2023 Results on Aug 03, 2023Green Dot Corporation announced that they will report Q2, 2023 results After-Market on Aug 03, 2023お知らせ • Jun 25Green Dot Corporation(NYSE:GDOT) dropped from Russell 2000 Growth-Defensive IndexGreen Dot Corporation(NYSE:GDOT) dropped from Russell 2000 Growth-Defensive IndexMajor Estimate Revision • May 11Consensus EPS estimates increase by 137%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate increased from US$0.365 to US$0.865. Revenue forecast steady at US$1.42b. Net income forecast to shrink 19% next year vs 10% growth forecast for Consumer Finance industry in the US . Consensus price target of US$20.50 unchanged from last update. Share price rose 5.4% to US$17.24 over the past week.Reported Earnings • May 06First quarter 2023 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2023 results: EPS: US$0.69 (down from US$0.70 in 1Q 2022). Revenue: US$414.7m (up 3.5% from 1Q 2022). Net income: US$36.0m (down 6.3% from 1Q 2022). Profit margin: 8.7% (in line with 1Q 2022). Revenue exceeded analyst estimates by 5.9%. Earnings per share (EPS) also surpassed analyst estimates by 28%. Revenue is forecast to grow 2.4% p.a. on average during the next 2 years, compared to a 6.9% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$16.01, the stock trades at a forward P/E ratio of 22x. Average forward P/E is 7x in the Consumer Finance industry in the US. Total loss to shareholders of 43% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$9.64 per share.Major Estimate Revision • Mar 02Consensus EPS estimates increase by 19%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has improved. 2023 revenue forecast increased from US$1.36b to US$1.41b. EPS estimate increased from US$0.623 to US$0.74 per share. Net income forecast to shrink 43% next year vs 13% decline forecast for Consumer Finance industry in the US. Consensus price target of US$20.43 unchanged from last update. Share price rose 6.9% to US$19.01 over the past week.Price Target Changed • Feb 27Price target decreased by 11% to US$20.43Down from US$22.88, the current price target is an average from 7 analysts. New target price is 13% above last closing price of US$18.11. Stock is down 37% over the past year. The company is forecast to post earnings per share of US$0.74 for next year compared to US$1.20 last year.Reported Earnings • Feb 24Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.20 (up from US$0.87 in FY 2021). Revenue: US$1.45b (up 1.1% from FY 2021). Net income: US$64.2m (up 36% from FY 2021). Profit margin: 4.4% (up from 3.3% in FY 2021). Revenue exceeded analyst estimates by 1.4%. Earnings per share (EPS) also surpassed analyst estimates by 27%. Revenue is forecast to stay flat during the next 2 years compared to a 9.9% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has fallen by 20% per year, which means it is performing significantly worse than earnings.お知らせ • Jan 20Green Dot Corporation to Report Q4, 2022 Results on Feb 23, 2023Green Dot Corporation announced that they will report Q4, 2022 results at 4:00 PM, US Eastern Standard Time on Feb 23, 2023Seeking Alpha • Dec 19Green Dot and Wealthfront Extend join hands to maximize savings and wealth buildingGreen Dot (NYSE:GDOT) and Wealthfront (WFRPX), an automated wealth management provider serving the next generation of investors, have extended their partnership that provides seamless checking features and money movement for Wealthfront’s award-winning Cash Account. The Wealthfront Cash Account requires just $1 to get started and comes with a 3.80% APY, zero account fees, unlimited free transfers, automated saving features including customizable cash categories, near-instant transfers into Wealthfront’s Investment Accounts, and up to $2 million in FDIC insurance through partner banks.Price Target Changed • Nov 16Price target decreased to US$23.75Down from US$28.25, the current price target is an average from 8 analysts. New target price is 20% above last closing price of US$19.78. Stock is down 55% over the past year. The company is forecast to post earnings per share of US$0.94 for next year compared to US$0.87 last year.Reported Earnings • Nov 10Third quarter 2022 earnings: EPS and revenues exceed analyst expectationsThird quarter 2022 results: EPS: US$0.089 (down from US$0.13 in 3Q 2021). Revenue: US$343.7m (up 1.3% from 3Q 2021). Net income: US$4.70m (down 36% from 3Q 2021). Profit margin: 1.4% (down from 2.1% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.2%. Earnings per share (EPS) also surpassed analyst estimates by 157%. Revenue is forecast to grow 3.9% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 34% per year but the company’s share price has only fallen by 11% per year, which means it has not declined as severely as earnings.Seeking Alpha • Oct 17George Gresham is the new CEO and President of Green DotGreen Dot (NYSE:GDOT) appoints company's CFO, COO and Board member George Gresham as Chief Executive Officer and President, effective as of October 14, 2022. Mr. Gresham succeeds Dan R. Henry, who was terminated as CEO and President of Green Dot and resigned as a member of Green Dot’s Board of Directors, effective the same date. Mr. Gresham has served as company’s CFO and COO and as a Board member since October 2021. Mr. Gresham will continue to serve as a member of the Board and will continue to serve as Chief Financial and Operating Officer on an interim basis until a successor is appointed.Price Target Changed • Sep 10Price target decreased to US$30.50Down from US$32.89, the current price target is an average from 8 analysts. New target price is 44% above last closing price of US$21.21. Stock is down 58% over the past year. The company is forecast to post earnings per share of US$1.05 for next year compared to US$0.87 last year.Price Target Changed • Aug 15Price target decreased to US$32.22Down from US$35.33, the current price target is an average from 9 analysts. New target price is 38% above last closing price of US$23.39. Stock is down 49% over the past year. The company is forecast to post earnings per share of US$1.00 for next year compared to US$0.87 last year.Seeking Alpha • Aug 15Green Dot stock slips after Barclays downgrade as clearer profit view is delayedGreen Dot (NYSE:GDOT) shares dropped 3.1% in Monday late morning trading after Barclays analyst Ramsey El Assal downgraded the fintech bank to Equal Weight from Overweight after the company's strategic shift is costing more than originally expected. "It has become clear that the investment and time required to move the company away from its legacy model and toward a more crystallized digital strategy is more substantial than we originally expected," El Assal wrote in a note to clients. He had expected that Green Dot (GDOT) would see acceleration of revenue and profitability in 2023, but now investors will have to wait longer "to gain a clearer view of GDOT's normalized growth and profitability profile." The company is pursuing a number of growth opportunities including a pivot into digital wallets with its Go2Bank strategy and increased penetration of the white-label BaaS (Backend as a Service) business. El Assal's Equal Weight rating agrees with the Quant rating of Hold and diverges from the average Wall Street rating of Buy. Take a look at management's commentary on Q2 and on 2022 guidance in its Aug. 5 earnings call.Price Target Changed • Aug 06Price target decreased to US$32.67Down from US$35.50, the current price target is an average from 9 analysts. New target price is 33% above last closing price of US$24.52. Stock is down 49% over the past year. The company is forecast to post earnings per share of US$1.00 for next year compared to US$0.87 last year.Reported Earnings • Aug 05Second quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindSecond quarter 2022 results: EPS: US$0.28 (down from US$0.46 in 2Q 2021). Revenue: US$362.7m (down 1.8% from 2Q 2021). Net income: US$15.0m (down 39% from 2Q 2021). Profit margin: 4.1% (down from 6.7% in 2Q 2021). Revenue missed analyst estimates by 1.9%. Earnings per share (EPS) exceeded analyst estimates by 23%. Over the next year, revenue is forecast to grow 3.1%, compared to a 17% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.Seeking Alpha • Jun 26Green Dot: Undervalued Secular Growth OpportunityDigital payments on rise and GDOT is well positioned to be one of the biggest beneficiaries. The company repurchased 914K shares worth $25 million of the $100 million authorized share repurchase fund. Starboard Value pushing for structural changes in GODT with a view to improve profit margins and drive free cash flow growth. I assign a buy rating for GDOT after considering all the growth factors and undervaluation on the basis of PE analysis.Valuation Update With 7 Day Price Move • Jun 16Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to US$24.47, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 5x in the Consumer Finance industry in the US. Total loss to shareholders of 48% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$16.20 per share.Recent Insider Transactions • Jun 03Independent Director recently sold US$181k worth of stockOn the 31st of May, Rajeev Date sold around 6k shares on-market at roughly US$29.20 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$475k more than they bought in the last 12 months.Valuation Update With 7 Day Price Move • May 18Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$28.75, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 6x in the Consumer Finance industry in the US. Total loss to shareholders of 42% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$15.92 per share.Reported Earnings • May 06First quarter 2022 earnings: EPS exceeds analyst expectationsFirst quarter 2022 results: EPS: US$0.71 (up from US$0.47 in 1Q 2021). Revenue: US$400.5m (up 1.8% from 1Q 2021). Net income: US$38.6m (up 52% from 1Q 2021). Profit margin: 9.6% (up from 6.5% in 1Q 2021). The increase in margin was primarily driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 30%. Over the next year, revenue is forecast to stay flat compared to a 14% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 19% per year, which means it has not declined as severely as earnings.Board Change • Apr 27High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Chief Finance & Operating Officer and Director George Gresham was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Board Change • Apr 02High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Chief Finance & Operating Officer and Director George Gresham was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Recent Insider Transactions Derivative • Mar 07Independent Director notifies of intention to sell stockGlinda Bridgforth Hodges intends to sell 4k shares in the next 90 days after lodging an Intent To Sell Form on the 2nd of March. If the sale is conducted around the recent share price of US$27.25, it would amount to US$107k. Since June 2021, Glinda has owned 15.05k shares directly. There has only been one transaction (US$279k sale) from insiders over the last 12 months.Seeking Alpha • Feb 28Steel City Capital Investments - Green Dot: Wal-Mart's Banking PartnerGreen Dot is perhaps best known as the banking partner behind Wal-Mart’s prepaid MoneyCard debit card. One of the emerging trends in the “FinTech” space is integration of banking and payment services by consumer facing companies. GDOT is cheap and there is a catalyst.業績と収益の成長予測NYSE:GDOT - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/20272,38744N/AN/A112/31/20262,318637217423/31/20262,172-7153125N/A12/31/20252,074-9966139N/A9/30/20252,007-4797178N/A6/30/20251,922-2457138N/A3/31/20251,825-622101N/A12/31/20241,718-27781N/A9/30/20241,630-55-369N/A6/30/20241,574-542190N/A3/31/20241,534-251586N/A12/31/20231,49872298N/A9/30/20231,4753679158N/A6/30/20231,46647132218N/A3/31/20231,46462178263N/A12/31/20221,44964193278N/A9/30/20221,43848193272N/A6/30/20221,43450165235N/A3/31/20221,44060136202N/A12/31/20211,43347110167N/A9/30/20211,39234103158N/A6/30/20211,34324116167N/A3/31/20211,2902132186N/A12/31/20201,25823150209N/A9/30/20201,21848120184N/A6/30/20201,16750112184N/A3/31/20201,13082104179N/A12/31/20191,107100N/A190N/A9/30/20191,100112N/A241N/A6/30/20191,095118N/A250N/A3/31/20191,079113N/A278N/A12/31/20181,061119N/A251N/A9/30/20181,032117N/A269N/A6/30/2018999126N/A242N/A3/31/2018960115N/A212N/A12/31/201789586N/A218N/A9/30/201784473N/A176N/A6/30/201779561N/A167N/A3/31/201774650N/A138N/A12/31/201671741N/A115N/A9/30/201670436N/A145N/A6/30/201669634N/A130N/A3/31/201669330N/A144N/A12/31/201569637N/A157N/A9/30/201569843N/A136N/A6/30/201570055N/A163N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: GDOTは今後 3 年間で収益性が向上すると予測されており、これは 貯蓄率 ( 3.5% ) よりも高い成長率であると考えられます。収益対市場: GDOT今後 3 年間で収益性が向上すると予想されており、これは市場平均を上回る成長と考えられます。高成長収益: GDOT今後 3 年以内に収益を上げることが予想されます。収益対市場: GDOTの収益 ( 5.6% ) US市場 ( 11.9% ) よりも低い成長が予測されています。高い収益成長: GDOTの収益 ( 5.6% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: GDOTの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YDiversified-financials 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/09 09:01終値2026/06/09 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Green Dot Corporation 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。25 アナリスト機関Thomas McCrohanBrean Capital Historical (Janney Montgomery)Joseph VafiCanaccord GenuityAndrew SchmidtCitigroup Inc22 その他のアナリストを表示
Price Target Changed • Nov 25Price target decreased by 10% to US$16.13Down from US$18.00, the current price target is an average from 2 analysts. New target price is 36% above last closing price of US$11.83. The company is forecast to post a net loss per share of US$1.24 next year compared to a net loss per share of US$0.50 last year.
Price Target Changed • Aug 10Price target increased by 14% to US$14.00Up from US$12.25, the current price target is an average from 2 analysts. New target price is 45% above last closing price of US$9.64. Stock is down 4.1% over the past year. The company is forecast to post a net loss per share of US$0.89 next year compared to a net loss per share of US$0.50 last year.
Price Target Changed • May 13Price target increased by 14% to US$12.25Up from US$10.75, the current price target is an average from 4 analysts. New target price is 17% above last closing price of US$10.45. Stock is up 2.2% over the past year. The company is forecast to post a net loss per share of US$0.26 next year compared to a net loss per share of US$0.50 last year.
分析記事 • Mar 03Green Dot Corporation (NYSE:GDOT) Just Reported, And Analysts Assigned A US$9.75 Price TargetGreen Dot Corporation ( NYSE:GDOT ) shareholders are probably feeling a little disappointed, since its shares fell 8.3...
Price Target Changed • Nov 08Price target increased by 24% to US$14.25Up from US$11.50, the current price target is an average from 4 analysts. New target price is 31% above last closing price of US$10.90. Stock is up 41% over the past year. The company is forecast to post a net loss per share of US$0.47 compared to earnings per share of US$0.13 last year.
Price Target Changed • Oct 02Price target increased by 9.3% to US$11.75Up from US$10.75, the current price target is an average from 4 analysts. New target price is 7.3% above last closing price of US$10.95. Stock is down 18% over the past year. The company is forecast to post a net loss per share of US$0.28 compared to earnings per share of US$0.13 last year.
Seeking Alpha • Jun 08Green Dot: The Prepaid Card Era Is Over, A New Era Is Just BeginningSummary Green Dot is transforming from a prepaid card provider to an embedded banking platform, targeting the rapidly expanding Banking-as-a-Service (BaaS) market. GDOT leverages its banking charter and APIs to enable partners to issue debit cards, manage accounts, and create branded digital banking experiences. Q1 2026 saw revenue rise 17% YoY to $656.2M and net income surge 109% YoY to $53.7M, with EPS beating estimates by $0.30. Despite strong financials, GDOT's stock remains undervalued, as Wall Street has yet to reward its growth and profitability. Read the full article on Seeking Alpha
Reported Earnings • May 12First quarter 2026 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2026 results: EPS: US$0.96 (up from US$0.47 in 1Q 2025). Revenue: US$654.7m (up 17% from 1Q 2025). Net income: US$53.8m (up 109% from 1Q 2025). Profit margin: 8.2% (up from 4.6% in 1Q 2025). Revenue exceeded analyst estimates by 9.1%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Revenue is forecast to grow 5.6% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 86 percentage points per year, which is a significant difference in performance.
お知らせ • Apr 29Green Dot Corporation to Report Q1, 2026 Results on May 11, 2026Green Dot Corporation announced that they will report Q1, 2026 results After-Market on May 11, 2026
Reported Earnings • Mar 18Full year 2025 earnings: EPS misses analyst expectationsFull year 2025 results: US$1.79 loss per share (further deteriorated from US$0.50 loss in FY 2024). Revenue: US$2.07b (up 21% from FY 2024). Net loss: US$98.9m (loss widened 270% from FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 44%. Revenue is forecast to grow 7.2% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 92 percentage points per year, which is a significant difference in performance.
New Risk • Mar 17New major risk - Revenue and earnings growthEarnings have declined by 49% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
お知らせ • Feb 27Green Dot Corporation to Report Q4, 2025 Results on Mar 12, 2026Green Dot Corporation announced that they will report Q4, 2025 results on Mar 12, 2026
Recent Insider Transactions • Nov 29Independent Director recently sold US$170k worth of stockOn the 28th of November, Saturnino Fanlo sold around 13k shares on-market at roughly US$12.61 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$268k more than they bought in the last 12 months.
Price Target Changed • Nov 25Price target decreased by 10% to US$16.13Down from US$18.00, the current price target is an average from 2 analysts. New target price is 36% above last closing price of US$11.83. The company is forecast to post a net loss per share of US$1.24 next year compared to a net loss per share of US$0.50 last year.
お知らせ • Nov 25Smith Ventures LLC entered into agreement to acquire Non-bank Financial Technology Business Assets and Operations of Green Dot Corporation (NYSE:GDOT) for $690 million.Smith Ventures LLC entered into agreement to acquire Non-bank Financial Technology Business Assets and Operations of Green Dot Corporation (NYSE:GDOT) for $690 million on November 23, 2025. In a related transaction, CommerceOne Financial Corporation entered into agreement to acquire Bank and Associated Assets and Operations of Green Dot Corporation (NYSE:GDOT) on November 23, 2025. Of that purchase price, $470 million will be distributed to Green Dot shareholders, while $155 million will be invested into the bank to provide additional regulatory capital and liquidity. Approximately $65 million will be used to pay off current indebtedness. Smith Ventures has partnered with TPG Credit, who provided a debt financing commitment. The transaction is subject to the receipt of required shareholder and regulatory approvals and other customary closing conditions and is expected to close in the second quarter of 2026. Citigroup Inc. served as financial advisor, and Wachtell, Lipton, Rosen & Katz LLP served as legal advisor to Green Dot Corporation. Stephens Inc. served as financial advisors, and King & Spalding LLP served as legal advisor for Smith Ventures LLC. Alvarez & Marsal Holdings, LLC provided consulting services to Smith Ventures LLC.
お知らせ • Nov 24CommerceOne Financial Corporation entered into agreement to acquire Green Dot Corporation (NYSE:GDOT) for approximately $1.1 billion.CommerceOne Financial Corporation entered into agreement to acquire Green Dot Corporation (NYSE:GDOT) for approximately $1.1 billion on November 23, 2025. Upon completion of the acquisition, each share of Green Dot will be exchanged for $8.11 in cash and $11.07 stock in shares, which is approximately 0.2215 shares of the new publicly traded bank holding company. The implied value to shareholders of Green Dot is estimated to be approximately $14.23 – $19.18 per share based on an assumed tangible book value multiple of approximately 1.00x-1.80x applied to the combined bank tangible book value at closing. The implied aggregate value is estimated to be $825 million – $1.1 billion (including $470 million in cash). In a related transaction, Smith Ventures will acquire and privatize Green Dot’s non-bank financial technology business assets and operations, which will continue running as an independent and growth-focused fintech and embedded finance company. Former Green Dot shareholders will own approximately 72% of the new publicly traded bank holding company, and former CommerceOne shareholders will own approximately 28% of the company. C1 management and board to lead combined BankCo. The transaction is subject to the receipt of required shareholder, regulatory approvals, effectiveness of registration statement (S-4) and other customary closing conditions and is expected to close in the second quarter of 2026. Committed debt and equity financing of $515 million and $200 million. Citigroup Inc. (NYSE:C) is serving as financial advisor and Wachtell, Lipton, Rosen & Katz is serving as legal advisor to to Green Dot Corporation. Performance Trust Capital Partners LLC is serving as financial advisors and Sullivan & Cromwell LLP is serving as legal counsel to CommerceOne. EY Parthenon and Cornerstone Advisors provided consulting services to CommerceOne.
Reported Earnings • Nov 11Third quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2025 results: US$0.56 loss per share (further deteriorated from US$0.15 loss in 3Q 2024). Revenue: US$493.3m (up 21% from 3Q 2024). Net loss: US$30.8m (loss widened 293% from 3Q 2024). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) missed analyst estimates by 115%. Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 82 percentage points per year, which is a significant difference in performance.
お知らせ • Oct 21Green Dot Corporation to Report Q3, 2025 Results on Nov 10, 2025Green Dot Corporation announced that they will report Q3, 2025 results After-Market on Nov 10, 2025
Recent Insider Transactions Derivative • Aug 13Key Executive notifies of intention to sell stockChris Ruppel intends to sell 28k shares in the next 90 days after lodging an Intent To Sell Form on the 12th of August. If the sale is conducted around the recent share price of US$12.39, it would amount to US$346k. Since December 2024, Chris' direct individual holding has increased from 167.85k shares to 253.14k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.
New Risk • Aug 12New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of American stocks, typically moving 5.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
Reported Earnings • Aug 12Second quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2025 results: US$0.85 loss per share (further deteriorated from US$0.54 loss in 2Q 2024). Revenue: US$502.5m (up 24% from 2Q 2024). Net loss: US$47.0m (loss widened 64% from 2Q 2024). Revenue exceeded analyst estimates by 2.2%. Earnings per share (EPS) missed analyst estimates significantly. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 15% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 78 percentage points per year, which is a significant difference in performance.
Price Target Changed • Aug 10Price target increased by 14% to US$14.00Up from US$12.25, the current price target is an average from 2 analysts. New target price is 45% above last closing price of US$9.64. Stock is down 4.1% over the past year. The company is forecast to post a net loss per share of US$0.89 next year compared to a net loss per share of US$0.50 last year.
お知らせ • Jul 22Green Dot Corporation to Report Q2, 2025 Results on Aug 11, 2025Green Dot Corporation announced that they will report Q2, 2025 results After-Market on Aug 11, 2025
Price Target Changed • May 13Price target increased by 14% to US$12.25Up from US$10.75, the current price target is an average from 4 analysts. New target price is 17% above last closing price of US$10.45. Stock is up 2.2% over the past year. The company is forecast to post a net loss per share of US$0.26 next year compared to a net loss per share of US$0.50 last year.
Recent Insider Transactions Derivative • May 11Key Executive notifies of intention to sell stockChris Ruppel intends to sell 10k shares in the next 90 days after lodging an Intent To Sell Form on the 9th of May. If the sale is conducted around the recent share price of US$11.00, it would amount to US$112k. Since December 2024, Chris' direct individual holding has decreased from 167.85k shares to 106.31k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.
Reported Earnings • May 09First quarter 2025 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2025 results: EPS: US$0.47 (up from US$0.09 in 1Q 2024). Revenue: US$557.5m (up 24% from 1Q 2024). Net income: US$25.8m (up 443% from 1Q 2024). Profit margin: 4.6% (up from 1.1% in 1Q 2024). Revenue exceeded analyst estimates by 10%. Earnings per share (EPS) also surpassed analyst estimates by 8.5%. Revenue is forecast to grow 14% p.a. on average during the next 2 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 66 percentage points per year, which is a significant difference in performance.
お知らせ • May 09Green Dot Corporation Reports Impairment Charges for the First Quarter Ended March 31, 2025Green Dot Corporation reported impairment charges for the first quarter ended March 31, 2025. For the quarter, the company reported impairment of long-lived assets of $61,000 against $2,821,000.
お知らせ • May 08Green Dot Receives PE InterestThe Utah-based fintech Green Dot Corporation (NYSE: GDOT), which provides prepaid debit cards, has attracted interest from PE firms. Green Dot owns a bank, while federal law prohibits PE firms from owning more than 24.9% of a bank. This could complicate the sale process. Green Dot announced in March that it had hired advisors to consider strategic options.
お知らせ • Apr 15Green Dot Corporation to Report Q1, 2025 Results on May 08, 2025Green Dot Corporation announced that they will report Q1, 2025 results After-Market on May 08, 2025
お知らせ • Apr 14Green Dot Corporation, Annual General Meeting, May 22, 2025Green Dot Corporation, Annual General Meeting, May 22, 2025.
お知らせ • Mar 10+ 1 more updateGreen Dot Corporation Announces Executive ChangesEffective March 7, 2025, the Board of Directors of Green Dot Corporation appointed Chris Ruppel as interim President of Green Dot . George Gresham ceased serving as President of the Company and the Bank and as a member of the Board. Mr. Jacobs will continue to serve as Chairperson of the Board. Mr. Jacobs, age 83, has served as the Chairperson of the Board since June 2016 and served as the Company’s interim Chief Executive Officer from January 2020 to the end of March 2020. Mr. Jacobs served as a member of the board of directors of Global Payments Inc., a payment processing services company, from 2001 to April 2022, during which time he served as the Chairman of the board of directors from June 2014 until September 2019. He also served as Lead Independent Director of that company from 2003 to May 2014 and as one of its business advisors from August 2002 until September 2019. Prior to joining the board of directors of Global Payments, Mr. Jacobs served as Managing Director and Chief Financial Officer of The New Power Company from 2000 to 2002. From 1995 to 2000, Mr. Jacobs served in various senior roles at MasterCard International. Prior to MasterCard, Mr. Jacobs served as Executive Vice President, Chief Operating Officer of Financial Security Assurance Inc., from 1984 to 1994. Mr. Jacobs previously served on the board of directors of Asset Acceptance Capital Corp., Investment Technology Group Inc., and Alpharma Inc. Mr. Jacobs has served on the board of directors of Repay Holdings Corporation, a publicly traded financial technology company, since July 2019. He holds a B.S. degree in Business Administration from American University and a J.D. from American University Washington College of Law. Mr. Ruppel, age 53, has served as the Company’s Chief Revenue Officer since November 2022. Previously, he had served as the Company’s Head of Direct to Consumer from March 2022 to November 2022 and as General Manager of Wage and Corporate Disbursements from March 2017 to March 2022. Mr. Ruppel joined the Company in connection with its March 2017 acquisition of UniRush LLC, where he had served as that company’s President of rapid! PayCard since January 2015. Mr. Ruppel founded rapid! PayCard, a prepaid payroll debit card provider, and served as its Chief Executive Officer from January 2004 until March 2011, when it was acquired by WEX Inc. Following the acquisition of rapid! PayCard, he served in leadership positions at WEX Inc., including most recently as General Manager of Prepaid Cards, The Americas, from March 2013 to January 2014. Mr. Ruppel received B.A. degrees in English and Finance from Florida State University.
Buy Or Sell Opportunity • Mar 03Now 27% undervalued after recent price dropOver the last 90 days, the stock has fallen 35% to US$6.71. The fair value is estimated to be US$9.22, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.3% over the last 3 years. Meanwhile, the company became loss making.
分析記事 • Mar 03Green Dot Corporation (NYSE:GDOT) Just Reported, And Analysts Assigned A US$9.75 Price TargetGreen Dot Corporation ( NYSE:GDOT ) shareholders are probably feeling a little disappointed, since its shares fell 8.3...
お知らせ • Mar 03Green Dot Corporation Appoints Kim Olson as Chief Risk OfferGreen Dot Corporation announced that Kim Olson has joined the company as Chief Risk Officer responsible for overseeing all aspects of Green Dot’s risk management strategy and program execution and reporting directly to the Chief Executive Officer. Olson joins Green Dot from Discover Financial Services where she was the Head of the Office of Remediation, responsible for overseeing and challenging the enterprise’s remediation of significant regulatory matters, including consent orders, since November 2023. She has over 30 years of deep and multi-faceted financial services experience, previously serving as chief risk officer and in senior risk oversight roles at leading global banking organizations, as well as rating agency and professional services experience advising financial institutions on risk management, evolving regulations and strategy. Olson began her career at the Federal Reserve Bank of New York, where she held a variety of senior policy, regulatory and examination roles in banking supervision.
Reported Earnings • Feb 28Full year 2024 earnings: Revenues exceed analysts expectations while EPS lags behindFull year 2024 results: US$0.50 loss per share (down from US$0.13 profit in FY 2023). Revenue: US$1.72b (up 15% from FY 2023). Net loss: US$26.7m (down 497% from profit in FY 2023). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) missed analyst estimates by 10%. Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 55 percentage points per year, which is a significant difference in performance.
お知らせ • Feb 04Green Dot Corporation to Report Q4, 2024 Results on Feb 27, 2025Green Dot Corporation announced that they will report Q4, 2024 results at 4:00 PM, US Eastern Standard Time on Feb 27, 2025
Seeking Alpha • Nov 15Green Dot: A Turnaround Play That May Pay OutSummary Green Dot is transforming by investing in embedded finance to offset declines from legacy operations, focusing on consumer services, B2B, and money movement services. Despite recent struggles, GDOT's margin improvements and new BaaS customers like PLS and Dayforce signal potential growth in embedded finance. Risks include competition, low BaaS margins, and reliance on key partners like Walmart, but GDOT's disciplined approach and tech investments offer hope. With a conservative valuation of $33.57/share, GDOT presents a strong buy opportunity for patient investors with a high risk tolerance. Read the full article on Seeking Alpha
Price Target Changed • Nov 08Price target increased by 24% to US$14.25Up from US$11.50, the current price target is an average from 4 analysts. New target price is 31% above last closing price of US$10.90. Stock is up 41% over the past year. The company is forecast to post a net loss per share of US$0.47 compared to earnings per share of US$0.13 last year.
Reported Earnings • Nov 08Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2024 results: US$0.15 loss per share (further deteriorated from US$0.12 loss in 3Q 2023). Revenue: US$408.2m (up 16% from 3Q 2023). Net loss: US$7.84m (loss widened 25% from 3Q 2023). Revenue exceeded analyst estimates by 5.1%. Earnings per share (EPS) missed analyst estimates. Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 38 percentage points per year, which is a significant difference in performance.
Buy Or Sell Opportunity • Nov 06Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 50% to US$13.28. The fair value is estimated to be US$10.94, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 3.9% over the last 3 years. Meanwhile, the company became loss making.
お知らせ • Oct 11Green Dot Corporation to Report Q3, 2024 Results on Nov 07, 2024Green Dot Corporation announced that they will report Q3, 2024 results After-Market on Nov 07, 2024
Price Target Changed • Oct 02Price target increased by 9.3% to US$11.75Up from US$10.75, the current price target is an average from 4 analysts. New target price is 7.3% above last closing price of US$10.95. Stock is down 18% over the past year. The company is forecast to post a net loss per share of US$0.28 compared to earnings per share of US$0.13 last year.
New Risk • Aug 11New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.6% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.
Reported Earnings • Aug 09Second quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2024 results: US$0.54 loss per share (down from US$0.011 profit in 2Q 2023). Revenue: US$405.8m (up 11% from 2Q 2023). Net loss: US$28.7m (down US$29.3m from profit in 2Q 2023). Revenue exceeded analyst estimates by 5.2%. Earnings per share (EPS) missed analyst estimates significantly. Revenue is forecast to grow 8.9% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 40% per year, which means it has not declined as severely as earnings.
お知らせ • Jul 12Green Dot Corporation to Report Q2, 2024 Results on Aug 08, 2024Green Dot Corporation announced that they will report Q2, 2024 results at 4:00 PM, US Eastern Standard Time on Aug 08, 2024
Reported Earnings • May 10First quarter 2024 earnings released: EPS: US$0.09 (vs US$0.69 in 1Q 2023)First quarter 2024 results: EPS: US$0.09 (down from US$0.69 in 1Q 2023). Revenue: US$450.5m (up 8.6% from 1Q 2023). Net income: US$4.75m (down 87% from 1Q 2023). Profit margin: 1.1% (down from 8.7% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has fallen by 38% per year, which means it is performing significantly worse than earnings.
お知らせ • Apr 12+ 1 more updateGreen Dot Corporation to Report Q1, 2024 Results on May 09, 2024Green Dot Corporation announced that they will report Q1, 2024 results After-Market on May 09, 2024
Buy Or Sell Opportunity • Apr 05Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.3% to US$8.38. The fair value is estimated to be US$10.84, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has grown by 16%. Revenue is forecast to grow by 14% in 2 years. Earnings are forecast to grow by 611% in the next 2 years.
お知らせ • Mar 27Green Dot Corporation Appoints Robert Millard to the Board of DirectorsGreen Dot Corporation announced the appointment of Robert Millard to its Board of Directors, effective March 25, 2024. Mr. Millard is currently Chief Financial Officer at CHG Healthcare, where he plays a key role in the company’s strategic vision and execution and is responsible for all elements of financial management as well as CHG’s legal and risk functions. Prior to CHG, Millard served as CFO at Earnest and as CFO for GE Capital Bank. Mr. Millard has served on Green Dot Bank’s Board of Directors since 2017.
Recent Insider Transactions • Mar 14Chief Revenue Officer recently bought US$299k worth of stockOn the 11th of March, Chris Ruppel bought around 33k shares on-market at roughly US$9.06 per share. This transaction amounted to 48% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
お知らせ • Mar 06Green Dot Appoints Melissa Douros as Chief Product OfficerGreen Dot Corporation announced the appointment of Melissa Douros as Chief Product Officer. Douros will lead Green Dot’s product design and development team with a focus on building simple, seamless and useful tools for Green Dot’s customers and growing list of world-class banking-as-a-service (BaaS) and embedded finance partners. Prior to joining Green Dot, Douros was vice president of digital experience at Discover Financial Services, where she led an enterprise-wide digital transformation for the company during a period of rapid business growth. Prior to Discover, Douros also held senior digital product roles at Great Wolf Resorts Inc. and E*TRADE. Following the completion of a comprehensive, multi-year processor conversion to transform the company into a more efficient, nimble and powerful platform company, Green Dot is now focused on operational excellence and growth. Douros will lead the team building experiences, features and functionality for Green Dot’s wide variety of customers, which includes direct customers of its digital bank GO2bank, its BaaS partners (including recent additions Dayforce, Stockpile and Credibly), and more.
New Risk • Feb 29New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 66% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (0.4% net profit margin). Shareholders have been diluted in the past year (2.2% increase in shares outstanding).
Reported Earnings • Feb 28Full year 2023 earnings: EPS misses analyst expectationsFull year 2023 results: EPS: US$0.13 (down from US$1.20 in FY 2022). Revenue: US$1.50b (up 3.4% from FY 2022). Net income: US$6.72m (down 90% from FY 2022). Profit margin: 0.4% (down from 4.4% in FY 2022). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 75%. Revenue is forecast to grow 6.7% p.a. on average during the next 2 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 44% per year, which means it is significantly lagging earnings.
お知らせ • Feb 27Green Dot Corporation Announces Appointment of Michael Meston as Chief Human Resources OfficerGreen Dot Corporation announced the appointment of Michael Meston as Chief Human Resources Officer. Meston will play a key role in the company’s evolution as a performance-driven platform company that now operates primarily in a remote “work from anywhere” model. He will report directly to Chief Executive Officer George Gresham. Prior to joining Green Dot, Meston was vice president and head of human resources for the BNANO group at Bruker Corporation, a global provider of life science research and diagnostic solutions. Prior to Bruker Corporation, Meston held senior human resources roles at Dexcom, Western Digital and Intel across the United States and Asia. Headquartered in Austin, Texas, Green Dot has operated in a mostly remote “work from anywhere” model in the U.S. since 2020 in order to attract top talent aligned with its mission and values and maximize the benefits of remote work for employees. Having recently completed a comprehensive, multi-year processor conversion to transform the company into a more efficient, nimble and powerful platform company, Green Dot is now focused on operational excellence and growth. The company recently announced the addition of several new banking-as-a-service (BaaS) partners including Dayforce, Stockpile, Credibly and others.
Buy Or Sell Opportunity • Feb 20Now 20% undervaluedThe stock has been flat over the last 90 days, currently trading at US$8.33. The fair value is estimated to be US$10.45, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.8% over the last 3 years. Earnings per share has grown by 23%. Revenue is forecast to grow by 8.3% in 2 years. Earnings are forecast to grow by 73% in the next 2 years.
Seeking Alpha • Feb 07Green Dot: Cheap With Some CaveatsSummary Today, we take a deeper look at fintech firm Green Dot Corporation, whose stock has dropped over 50% from its summer highs. The stock is cheap on a P/E basis, but the company currently faces several challenges and headwinds. An analysis around Green Dot follows in the paragraphs below. Read the full article on Seeking Alpha
お知らせ • Jan 30Green Dot Corporation to Report Q4, 2023 Results on Feb 27, 2024Green Dot Corporation announced that they will report Q4, 2023 results After-Market on Feb 27, 2024
お知らせ • Dec 09Green Dot Corporation Announces Resignation of Rajeev V. Date as Member of the Board of Directors and Nominating and Corporate Governance Committee and Risk Committee, Effective December 31, 2023On December 6, 2023, Rajeev V. Date, a member of the Board of Directors of Green Dot Corporation and a member of the Nominating and Corporate Governance Committee and Risk Committee notified the Board that he was resigning from the Board effective December 31, 2023.
Seeking Alpha • Nov 24Green Dot: Current Troubles Are Hiding Future PotentialSummary Green Dot is a FinTech company focused on cash/debit services, targeting the unbanked and underbanked population. My overall investment thesis revolves around the potential of GO2bank as a digital bank for the underbanked population. GDOT is currently trading at roughly $8.4 which would give the stock a P/E of 4.9x to 5.2x. Read the full article on Seeking Alpha
Valuation Update With 7 Day Price Move • Nov 16Investor sentiment deteriorates as stock falls 30%After last week's 30% share price decline to US$8.28, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 6x in the Consumer Finance industry in the US. Total loss to shareholders of 84% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$10.39 per share.
お知らせ • Nov 11Green Dot Corporation Updates Unaudited Earnings Guidance for the Fiscal Year 2023Green Dot Corporation updated unaudited earnings guidance for the fiscal year 2023. For the year, the company expected total operating revenues to be in the range of $1,482 million to $1,497 million; Net income to be in the range of $22.0 million to $25.7 million; GAAP Diluted earnings per share to be in the range of $0.42 to $0.49.
New Risk • Nov 10New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 27% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Buying Opportunity • Nov 10Now 27% undervalued after recent price dropOver the last 90 days, the stock is down 52%. The fair value is estimated to be US$10.61, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.8% over the last 3 years. Earnings per share has grown by 23%. Revenue is forecast to grow by 7.9% in 2 years. Earnings is forecast to grow by 21% in the next 2 years.
お知らせ • Oct 20Green Dot Corporation to Report Q3, 2023 Results on Nov 09, 2023Green Dot Corporation announced that they will report Q3, 2023 results After-Market on Nov 09, 2023
Price Target Changed • Oct 19Price target decreased by 15% to US$18.17Down from US$21.33, the current price target is an average from 6 analysts. New target price is 52% above last closing price of US$11.97. Stock is down 33% over the past year. The company is forecast to post earnings per share of US$0.69 for next year compared to US$1.20 last year.
Price Target Changed • Oct 18Price target decreased by 7.6% to US$20.17Down from US$21.83, the current price target is an average from 6 analysts. New target price is 64% above last closing price of US$12.31. Stock is down 35% over the past year. The company is forecast to post earnings per share of US$0.69 for next year compared to US$1.20 last year.
お知らせ • Oct 07Green Dot Corporation Announces Board ChangesGreen Dot Corporation announced the appointment of Michelleta (Mich) Razon to its Board of Directors, effective immediately. Ms. Razon most recently served as Vice President, General Manager and Head of Commerce at Google Cloud, Google’s suite of cloud computing tools and services used by consumers and businesses to enhance productivity and workflow. Before joining Google in 2021, Mich worked for Mastercard®, where she most recently served as Executive Vice President of Software Engineering for Commercial and B2B Services. Prior to joining Mastercard, Mich held various technical leadership positions at Teradata from 2008 to 2014. In addition to Mich’s appointment, Green Dot announced that Peter Feld will be resigning from the Board of Directors, effective immediately.
New Risk • Aug 04New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 22% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Reported Earnings • Aug 04Second quarter 2023 earnings: Revenues exceed analysts expectations while EPS lags behindSecond quarter 2023 results: EPS: US$0.011 (down from US$0.28 in 2Q 2022). Revenue: US$365.6m (flat on 2Q 2022). Net income: US$578.0k (down 96% from 2Q 2022). Profit margin: 0.2% (down from 4.1% in 2Q 2022). Revenue exceeded analyst estimates by 7.9%. Earnings per share (EPS) missed analyst estimates by 92%. Revenue is forecast to grow 1.1% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has fallen by 32% per year, which means it is significantly lagging earnings.
Seeking Alpha • Aug 04Green Dot's Q2 Leap: Navigating Through The GreenSummary Green Dot Corporation's Q2 financial results beat expectations with higher non-GAAP EPS and revenue. The company demonstrated resilience in its Money Movement division and saw growth in its direct deposit accounts. However, challenges in the consumer sphere and B2B sector raise concerns, suggesting a "hold" recommendation for investors is appropriate. Read the full article on Seeking Alpha
お知らせ • Jul 23Green Dot Corporation Announces Resignation of Jeffrey Osher as Member of the Board of Directors, Member of the Audit Committee and Nominating and Corporate Governance Committee, Effective July 31, 2023On July 17, 2023, Jeffrey Osher, a member of the Board of Directors of Green Dot Corporation and a member of the Audit Committee and Nominating and Corporate Governance Committee notified the Board that he was resigning from the Board, the Audit Committee and the Nominating and Corporate Governance Committee effective July 31, 2023.
お知らせ • Jul 14Green Dot Corporation to Report Q2, 2023 Results on Aug 03, 2023Green Dot Corporation announced that they will report Q2, 2023 results After-Market on Aug 03, 2023
お知らせ • Jun 25Green Dot Corporation(NYSE:GDOT) dropped from Russell 2000 Growth-Defensive IndexGreen Dot Corporation(NYSE:GDOT) dropped from Russell 2000 Growth-Defensive Index
Major Estimate Revision • May 11Consensus EPS estimates increase by 137%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate increased from US$0.365 to US$0.865. Revenue forecast steady at US$1.42b. Net income forecast to shrink 19% next year vs 10% growth forecast for Consumer Finance industry in the US . Consensus price target of US$20.50 unchanged from last update. Share price rose 5.4% to US$17.24 over the past week.
Reported Earnings • May 06First quarter 2023 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2023 results: EPS: US$0.69 (down from US$0.70 in 1Q 2022). Revenue: US$414.7m (up 3.5% from 1Q 2022). Net income: US$36.0m (down 6.3% from 1Q 2022). Profit margin: 8.7% (in line with 1Q 2022). Revenue exceeded analyst estimates by 5.9%. Earnings per share (EPS) also surpassed analyst estimates by 28%. Revenue is forecast to grow 2.4% p.a. on average during the next 2 years, compared to a 6.9% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$16.01, the stock trades at a forward P/E ratio of 22x. Average forward P/E is 7x in the Consumer Finance industry in the US. Total loss to shareholders of 43% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$9.64 per share.
Major Estimate Revision • Mar 02Consensus EPS estimates increase by 19%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has improved. 2023 revenue forecast increased from US$1.36b to US$1.41b. EPS estimate increased from US$0.623 to US$0.74 per share. Net income forecast to shrink 43% next year vs 13% decline forecast for Consumer Finance industry in the US. Consensus price target of US$20.43 unchanged from last update. Share price rose 6.9% to US$19.01 over the past week.
Price Target Changed • Feb 27Price target decreased by 11% to US$20.43Down from US$22.88, the current price target is an average from 7 analysts. New target price is 13% above last closing price of US$18.11. Stock is down 37% over the past year. The company is forecast to post earnings per share of US$0.74 for next year compared to US$1.20 last year.
Reported Earnings • Feb 24Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.20 (up from US$0.87 in FY 2021). Revenue: US$1.45b (up 1.1% from FY 2021). Net income: US$64.2m (up 36% from FY 2021). Profit margin: 4.4% (up from 3.3% in FY 2021). Revenue exceeded analyst estimates by 1.4%. Earnings per share (EPS) also surpassed analyst estimates by 27%. Revenue is forecast to stay flat during the next 2 years compared to a 9.9% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has fallen by 20% per year, which means it is performing significantly worse than earnings.
お知らせ • Jan 20Green Dot Corporation to Report Q4, 2022 Results on Feb 23, 2023Green Dot Corporation announced that they will report Q4, 2022 results at 4:00 PM, US Eastern Standard Time on Feb 23, 2023
Seeking Alpha • Dec 19Green Dot and Wealthfront Extend join hands to maximize savings and wealth buildingGreen Dot (NYSE:GDOT) and Wealthfront (WFRPX), an automated wealth management provider serving the next generation of investors, have extended their partnership that provides seamless checking features and money movement for Wealthfront’s award-winning Cash Account. The Wealthfront Cash Account requires just $1 to get started and comes with a 3.80% APY, zero account fees, unlimited free transfers, automated saving features including customizable cash categories, near-instant transfers into Wealthfront’s Investment Accounts, and up to $2 million in FDIC insurance through partner banks.
Price Target Changed • Nov 16Price target decreased to US$23.75Down from US$28.25, the current price target is an average from 8 analysts. New target price is 20% above last closing price of US$19.78. Stock is down 55% over the past year. The company is forecast to post earnings per share of US$0.94 for next year compared to US$0.87 last year.
Reported Earnings • Nov 10Third quarter 2022 earnings: EPS and revenues exceed analyst expectationsThird quarter 2022 results: EPS: US$0.089 (down from US$0.13 in 3Q 2021). Revenue: US$343.7m (up 1.3% from 3Q 2021). Net income: US$4.70m (down 36% from 3Q 2021). Profit margin: 1.4% (down from 2.1% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.2%. Earnings per share (EPS) also surpassed analyst estimates by 157%. Revenue is forecast to grow 3.9% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 34% per year but the company’s share price has only fallen by 11% per year, which means it has not declined as severely as earnings.
Seeking Alpha • Oct 17George Gresham is the new CEO and President of Green DotGreen Dot (NYSE:GDOT) appoints company's CFO, COO and Board member George Gresham as Chief Executive Officer and President, effective as of October 14, 2022. Mr. Gresham succeeds Dan R. Henry, who was terminated as CEO and President of Green Dot and resigned as a member of Green Dot’s Board of Directors, effective the same date. Mr. Gresham has served as company’s CFO and COO and as a Board member since October 2021. Mr. Gresham will continue to serve as a member of the Board and will continue to serve as Chief Financial and Operating Officer on an interim basis until a successor is appointed.
Price Target Changed • Sep 10Price target decreased to US$30.50Down from US$32.89, the current price target is an average from 8 analysts. New target price is 44% above last closing price of US$21.21. Stock is down 58% over the past year. The company is forecast to post earnings per share of US$1.05 for next year compared to US$0.87 last year.
Price Target Changed • Aug 15Price target decreased to US$32.22Down from US$35.33, the current price target is an average from 9 analysts. New target price is 38% above last closing price of US$23.39. Stock is down 49% over the past year. The company is forecast to post earnings per share of US$1.00 for next year compared to US$0.87 last year.
Seeking Alpha • Aug 15Green Dot stock slips after Barclays downgrade as clearer profit view is delayedGreen Dot (NYSE:GDOT) shares dropped 3.1% in Monday late morning trading after Barclays analyst Ramsey El Assal downgraded the fintech bank to Equal Weight from Overweight after the company's strategic shift is costing more than originally expected. "It has become clear that the investment and time required to move the company away from its legacy model and toward a more crystallized digital strategy is more substantial than we originally expected," El Assal wrote in a note to clients. He had expected that Green Dot (GDOT) would see acceleration of revenue and profitability in 2023, but now investors will have to wait longer "to gain a clearer view of GDOT's normalized growth and profitability profile." The company is pursuing a number of growth opportunities including a pivot into digital wallets with its Go2Bank strategy and increased penetration of the white-label BaaS (Backend as a Service) business. El Assal's Equal Weight rating agrees with the Quant rating of Hold and diverges from the average Wall Street rating of Buy. Take a look at management's commentary on Q2 and on 2022 guidance in its Aug. 5 earnings call.
Price Target Changed • Aug 06Price target decreased to US$32.67Down from US$35.50, the current price target is an average from 9 analysts. New target price is 33% above last closing price of US$24.52. Stock is down 49% over the past year. The company is forecast to post earnings per share of US$1.00 for next year compared to US$0.87 last year.
Reported Earnings • Aug 05Second quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindSecond quarter 2022 results: EPS: US$0.28 (down from US$0.46 in 2Q 2021). Revenue: US$362.7m (down 1.8% from 2Q 2021). Net income: US$15.0m (down 39% from 2Q 2021). Profit margin: 4.1% (down from 6.7% in 2Q 2021). Revenue missed analyst estimates by 1.9%. Earnings per share (EPS) exceeded analyst estimates by 23%. Over the next year, revenue is forecast to grow 3.1%, compared to a 17% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.
Seeking Alpha • Jun 26Green Dot: Undervalued Secular Growth OpportunityDigital payments on rise and GDOT is well positioned to be one of the biggest beneficiaries. The company repurchased 914K shares worth $25 million of the $100 million authorized share repurchase fund. Starboard Value pushing for structural changes in GODT with a view to improve profit margins and drive free cash flow growth. I assign a buy rating for GDOT after considering all the growth factors and undervaluation on the basis of PE analysis.
Valuation Update With 7 Day Price Move • Jun 16Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to US$24.47, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 5x in the Consumer Finance industry in the US. Total loss to shareholders of 48% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$16.20 per share.
Recent Insider Transactions • Jun 03Independent Director recently sold US$181k worth of stockOn the 31st of May, Rajeev Date sold around 6k shares on-market at roughly US$29.20 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$475k more than they bought in the last 12 months.
Valuation Update With 7 Day Price Move • May 18Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$28.75, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 6x in the Consumer Finance industry in the US. Total loss to shareholders of 42% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$15.92 per share.
Reported Earnings • May 06First quarter 2022 earnings: EPS exceeds analyst expectationsFirst quarter 2022 results: EPS: US$0.71 (up from US$0.47 in 1Q 2021). Revenue: US$400.5m (up 1.8% from 1Q 2021). Net income: US$38.6m (up 52% from 1Q 2021). Profit margin: 9.6% (up from 6.5% in 1Q 2021). The increase in margin was primarily driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 30%. Over the next year, revenue is forecast to stay flat compared to a 14% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 19% per year, which means it has not declined as severely as earnings.
Board Change • Apr 27High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Chief Finance & Operating Officer and Director George Gresham was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Board Change • Apr 02High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Chief Finance & Operating Officer and Director George Gresham was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Recent Insider Transactions Derivative • Mar 07Independent Director notifies of intention to sell stockGlinda Bridgforth Hodges intends to sell 4k shares in the next 90 days after lodging an Intent To Sell Form on the 2nd of March. If the sale is conducted around the recent share price of US$27.25, it would amount to US$107k. Since June 2021, Glinda has owned 15.05k shares directly. There has only been one transaction (US$279k sale) from insiders over the last 12 months.
Seeking Alpha • Feb 28Steel City Capital Investments - Green Dot: Wal-Mart's Banking PartnerGreen Dot is perhaps best known as the banking partner behind Wal-Mart’s prepaid MoneyCard debit card. One of the emerging trends in the “FinTech” space is integration of banking and payment services by consumer facing companies. GDOT is cheap and there is a catalyst.