View ValuationGreen Dot 향후 성장Future 기준 점검 3/6Green Dot은 연간 수입과 매출이 각각 124.5%와 5.6% 증가할 것으로 예상되고 EPS는 연간 125.8%만큼 증가할 것으로 예상됩니다.핵심 정보124.5%이익 성장률125.81%EPS 성장률Consumer Finance 이익 성장19.1%매출 성장률5.6%향후 자기자본이익률n/a애널리스트 커버리지Low마지막 업데이트12 May 2026최근 향후 성장 업데이트Price 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.분석 기사 • 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.모든 업데이트 보기Recent updatesReported 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.공시 • 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.Seeking Alpha • Mar 18Green Dot: I'm Finally Seeing The Bull Case Play Out (Rating Upgrade)Summary Green Dot delivered robust FY 2025 GAAP revenue growth of 21% to $2.08 billion, driven by embedded finance and B2B services momentum. GDOT is splitting into two entities: fintech operations going private under Smith Ventures and its bank merging with CommerceOne for strategic focus. The B2B segment led revenue growth, fueled by a major BaaS partner and new product launches, while consumer services faced ongoing digital migration headwinds. Strong operating cash flow ($138.6 million) and increased deposits ($4.42 billion) reflect platform scale, even as short-term profit margins face pressure from growth investments. Read the full article on Seeking AlphaNew 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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, 2025공시 • Apr 14Green Dot Corporation, Annual General Meeting, May 22, 2025Green Dot Corporation, Annual General Meeting, May 22, 2025.공시 • 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.분석 기사 • 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...공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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 Alpha공시 • 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, 2024공시 • 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.공시 • 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.공시 • 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.공시 • 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 Alpha공시 • 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.공시 • 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, 2023공시 • 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.공시 • 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.이익 및 매출 성장 예측NYSE:GDOT - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20272,38744N/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/A더 보기애널리스트 향후 성장 전망수입 대 저축률: GDOT 은 향후 3년 동안 수익을 낼 것으로 예상되며, 이는 절약률(3.5%)보다 빠른 성장으로 간주됩니다.수익 vs 시장: GDOT (는) 향후 3년 동안 평균 시장 성장보다 높은 수익을 올릴 것으로 예상됩니다.고성장 수익: GDOT 향후 3년 내에 수익을 낼 것으로 예상됩니다.수익 대 시장: GDOT 의 수익(연간 5.6%)이 US 시장(연간 11.7%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: GDOT 의 수익(연간 5.6%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: GDOT의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/21 10:09종가2026/05/21 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Green Dot Corporation는 25명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Thomas McCrohanBrean Capital Historical (Janney Montgomery)Joseph VafiCanaccord GenuityAndrew SchmidtCitigroup Inc22명의 분석가 더 보기
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.
분석 기사 • 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.
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.
공시 • 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.
Seeking Alpha • Mar 18Green Dot: I'm Finally Seeing The Bull Case Play Out (Rating Upgrade)Summary Green Dot delivered robust FY 2025 GAAP revenue growth of 21% to $2.08 billion, driven by embedded finance and B2B services momentum. GDOT is splitting into two entities: fintech operations going private under Smith Ventures and its bank merging with CommerceOne for strategic focus. The B2B segment led revenue growth, fueled by a major BaaS partner and new product launches, while consumer services faced ongoing digital migration headwinds. Strong operating cash flow ($138.6 million) and increased deposits ($4.42 billion) reflect platform scale, even as short-term profit margins face pressure from growth investments. Read the full article on Seeking Alpha
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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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
공시 • Apr 14Green Dot Corporation, Annual General Meeting, May 22, 2025Green Dot Corporation, Annual General Meeting, May 22, 2025.
공시 • 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.
분석 기사 • 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...
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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
공시 • 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.
공시 • 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
공시 • 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.
공시 • 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.