Green Dot Valuation
Is 0J0N undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of 0J0N when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 0J0N ($10.36) is trading below our estimate of fair value ($12.61)
Significantly Below Fair Value: 0J0N is trading below fair value, but not by a significant amount.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 0J0N?
Key metric: As 0J0N is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.
| What is 0J0N's PB Ratio? | |
|---|---|
| PB Ratio | 0.6x |
| Book | US$932.25m |
| Market Cap | US$561.00m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does 0J0N's PB Ratio compare to its peers?
| Company | Forward PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 1x | ||
FCH Funding Circle Holdings | 1.9x | 87.7% | UK£432.2m |
IPF International Personal Finance | 0.6x | 10.3% | UK£283.4m |
SUS S&U | 0.7x | 23.5% | UK£164.6m |
HAT H&T Group | 0.9x | 6.7% | UK£158.3m |
0J0N Green Dot | 0.6x | 120.1% | US$561.0m |
Price-To-Book vs Peers: 0J0N is good value based on its Price-To-Book Ratio (0.6x) compared to the peer average (1x).
Price to Book Ratio vs Industry
How does 0J0N's PB Ratio compare vs other companies in the European Consumer Finance Industry?
| 4 Companies | Price / Book | Estimated Growth | Market Cap |
|---|---|---|---|
| 4 Companies | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Book vs Industry: 0J0N is good value based on its Price-To-Book Ratio (0.6x) compared to the European Consumer Finance industry average (1.3x).
Price to Book Ratio vs Fair Ratio
What is 0J0N's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PB Ratio | 0.6x |
| Fair PB Ratio | n/a |
Price-To-Book vs Fair Ratio: Insufficient data to calculate 0J0N's Price-To-Book Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | US$10.36 | US$12.33 +19.1% | 16.7% | US$15.00 | US$10.00 | n/a | 3 |
| Nov ’25 | US$11.26 | US$12.00 +6.6% | 15.6% | US$15.00 | US$10.00 | n/a | 4 |
| Oct ’25 | US$11.26 | US$11.75 +4.4% | 17.4% | US$15.00 | US$10.00 | n/a | 4 |
| Sep ’25 | US$11.14 | US$10.75 -3.5% | 26.6% | US$15.00 | US$7.00 | n/a | 4 |
| Aug ’25 | US$9.30 | US$10.75 +15.7% | 26.6% | US$15.00 | US$7.00 | n/a | 4 |
| Jul ’25 | US$9.34 | US$10.75 +15.1% | 26.6% | US$15.00 | US$7.00 | n/a | 4 |
| Jun ’25 | US$9.91 | US$10.75 +8.5% | 26.6% | US$15.00 | US$7.00 | n/a | 4 |
| May ’25 | US$8.86 | US$10.75 +21.4% | 26.6% | US$15.00 | US$7.00 | n/a | 4 |
| Apr ’25 | US$9.36 | US$10.60 +13.2% | 26.9% | US$15.00 | US$7.00 | n/a | 5 |
| Mar ’25 | US$8.11 | US$10.67 +31.5% | 24.5% | US$15.00 | US$7.00 | n/a | 6 |
| Feb ’25 | US$9.12 | US$12.50 +37.1% | 28.8% | US$18.00 | US$7.00 | n/a | 6 |
| Jan ’25 | US$10.03 | US$13.17 +31.3% | 28.9% | US$18.00 | US$7.00 | n/a | 6 |
| Dec ’24 | US$8.57 | US$13.33 +55.6% | 26.6% | US$18.00 | US$8.00 | n/a | 6 |
| Nov ’24 | US$11.05 | US$18.17 +64.4% | 20.5% | US$25.00 | US$13.00 | US$11.26 | 6 |
| Oct ’24 | US$13.65 | US$21.33 +56.3% | 13.7% | US$25.00 | US$16.00 | US$11.26 | 6 |
| Sep ’24 | US$14.88 | US$21.83 +46.7% | 9.7% | US$25.00 | US$19.00 | US$11.14 | 6 |
| Aug ’24 | US$19.41 | US$21.83 +12.5% | 9.7% | US$25.00 | US$19.00 | US$9.30 | 6 |
| Jul ’24 | US$19.12 | US$21.00 +9.8% | 11.0% | US$25.00 | US$18.00 | US$9.34 | 6 |
| Jun ’24 | US$17.48 | US$20.50 +17.3% | 13.4% | US$25.00 | US$17.00 | US$9.91 | 6 |
| May ’24 | n/a | US$20.43 0% | 12.5% | US$25.00 | US$17.00 | US$8.86 | 7 |
| Apr ’24 | n/a | US$20.43 0% | 12.5% | US$25.00 | US$17.00 | US$9.36 | 7 |
| Mar ’24 | US$18.77 | US$20.43 +8.9% | 12.5% | US$25.00 | US$17.00 | US$8.11 | 7 |
| Feb ’24 | US$17.95 | US$22.71 +26.6% | 18.2% | US$30.00 | US$17.00 | US$9.12 | 7 |
| Jan ’24 | US$15.66 | US$23.25 +48.5% | 13.4% | US$30.00 | US$20.00 | US$10.03 | 8 |
| Dec ’23 | US$19.49 | US$23.75 +21.8% | 14.4% | US$30.00 | US$20.00 | US$8.57 | 8 |
| Nov ’23 | n/a | US$28.25 0% | 19.6% | US$40.00 | US$22.00 | US$11.05 | 8 |
Analyst Forecast: Target price is less than 20% higher than the current share price.
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