Market Cap
US$1.3b
Last Updated
2019/12/12 00:07 UTC
Data Sources
Company Financials +
Executive Summary
Green Dot Corporation operates as a financial technology and bank holding company in the United States.
Rewards
Risk Analysis
Earnings are forecast to decline by an average of -36.1% per year for the next 3 years
Snowflake Analysis
Fair value with questionable track record.
Similar Companies
Share Price & News
How has Green Dot's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GDOT has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
1.9%
GDOT
1.5%
US Consumer Finance
0.8%
US Market
1 Year Return
-69.0%
GDOT
16.8%
US Consumer Finance
17.8%
US Market
Return vs Industry: GDOT underperformed the US Consumer Finance industry which returned 16.8% over the past year.
Return vs Market: GDOT underperformed the US Market which returned 17.8% over the past year.
Shareholder returns
| GDOT | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.9% | 1.5% | 0.8% |
| 30 Day | -3.0% | 0.002% | 1.8% |
| 90 Day | -6.8% | 0.06% | 4.1% |
| 1 Year | -69.0%-69.0% | 18.8%16.8% | 20.4%17.8% |
| 3 Year | 2.5%2.5% | 38.9%32.1% | 45.9%36.4% |
| 5 Year | 14.9%14.9% | 31.4%22.2% | 68.1%49.6% |
Price Volatility Vs. Market
How volatile is Green Dot's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
Is It Too Late To Consider Buying Green Dot Corporation (NYSE:GDOT)?1 month ago | Simply Wall St
Green Dot Corporation Third-Quarter Results Just Came Out: Here's What Analysts Are Forecasting For Next Year1 month ago | Simply Wall St
Have Insiders Been Selling Green Dot Corporation (NYSE:GDOT) Shares?Valuation
Is Green Dot undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: GDOT ($25.16) is trading below our estimate of fair value ($51)
Significantly Below Fair Value: GDOT is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: GDOT is poor value based on its PE Ratio (11.7x) compared to the Consumer Finance industry average (8.5x).
PE vs Market: GDOT is good value based on its PE Ratio (11.7x) compared to the US market (18.4x).
Price to Earnings Growth Ratio
PEG Ratio: GDOT's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: GDOT is overvalued based on its PB Ratio (1.4x) compared to the US Consumer Finance industry average (1.2x).
Next Steps
Future Growth
How is Green Dot forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
-36.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GDOT's earnings are forecast to decline over the next 3 years (-36.1% per year).
Earnings vs Market: GDOT's earnings are forecast to decline over the next 3 years (-36.1% per year).
High Growth Earnings: GDOT's earnings are forecast to decline over the next 3 years.
Revenue vs Market: GDOT's revenue (2.6% per year) is forecast to grow slower than the US market (7.4% per year).
High Growth Revenue: GDOT's revenue (2.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: GDOT's Return on Equity is forecast to be low in 3 years time (10.8%).
Next Steps
Past Performance
How has Green Dot performed over the past 5 years?
27.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GDOT has high quality earnings.
Growing Profit Margin: GDOT's current net profit margins (10.4%) are lower than last year (11.3%).
Past Earnings Growth Analysis
Earnings Trend: GDOT's earnings have grown significantly by 27.3% per year over the past 5 years.
Accelerating Growth: GDOT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: GDOT had negative earnings growth (-3.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (17.1%).
Return on Equity
High ROE: GDOT's Return on Equity (12.1%) is considered low.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Green Dot's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: GDOT has a low level of unsold assets or inventory.
Debt Coverage by Assets: GDOT's debt is covered by short term assets (assets are 2075.5x debt).
Financial Institutions Analysis
Asset Level: GDOT's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if GDOT has a sufficient allowance for bad loans.
Low Risk Liabilities: GDOT reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if GDOT has an acceptable proportion of non-loan assets held.
Low Risk Deposits: GDOT has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if GDOT has an appropriate level of bad loans.
Next Steps
Dividend
What is Green Dot's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate GDOT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate GDOT's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if GDOT's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if GDOT's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of GDOT's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
What is the CEO of Green Dot's salary, the management and board of directors tenure and is there insider trading?
3.8yrs
Average management tenure
CEO
Steve Streit (57yo)
18.9yrs
Tenure
US$5,503,655
Compensation
Mr. Steven W. Streit, also known as Steve, founded Green Dot Corporation formerly known as, Next Estate Communications Inc. in 1999 and has been its Chief Executive Officer since January 2001 and President ...
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD5.50M) is above average for companies of similar size in the US market ($USD3.87M).
Compensation vs Earnings: Steve's compensation has been consistent with company performance over the past year.
Management Age and Tenure
3.8yrs
Average Tenure
50.5yo
Average Age
Experienced Management: GDOT's management team is considered experienced (3.8 years average tenure).
Board Age and Tenure
3.7yrs
Average Tenure
66yo
Average Age
Experienced Board: GDOT's board of directors are considered experienced (3.7 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 6,787 |
| Max Price | US$47.43 |
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 1,736 |
| Max Price | US$48.32 |
| Entity | Individual |
| Role | Senior Key Executive Chief Revenue Officer |
| Shares | 5,532 |
| Max Price | US$48.87 |
| Entity | Individual |
| Role | Chief Legal Officer General Counsel & Secretary |
| Shares | 11,126 |
| Max Price | US$62.18 |
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 9,582 |
| Max Price | US$64.34 |
| Entity | Individual |
| Role | Senior Key Executive Chief Revenue Officer |
| Shares | 5,000 |
| Max Price | US$67.63 |
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Management Team
Steve Streit (57yo)
Founder
- Tenure: 18.9yrs
- Compensation: US$5.50m
John Ricci (53yo)
General Counsel & Secretary
- Tenure: 15.5yrs
- Compensation: US$1.62m
Jeff Ross
Senior VP and BSA/AML/OFAC Officer
- Tenure: 11.4yrs
Mark Shifke (59yo)
Chief Financial Officer
- Tenure: 4.6yrs
- Compensation: US$2.09m
Kuan Archer (46yo)
President & Chief Product and Technology Officer
- Tenure: 0.8yrs
- Compensation: US$2.09m
Dara Dierks
Investor Relations
- Tenure: 0yrs
Brett Narlinger (48yo)
Chief Revenue Officer
- Tenure: 3.1yrs
- Compensation: US$3.69m
Jess Unruh
Chief Accounting Officer
- Tenure: 0yrs
Rob Strub
Chief Operating Officer
- Tenure: 0.8yrs
Jason Bibelheimer (43yo)
Chief Human Resources Officer
- Tenure: 2.3yrs
Board Members
George Shaheen (75yo)
Independent Director
- Tenure: 6.3yrs
- Compensation: US$446.95k
Chris Brewster (69yo)
Independent Director
- Tenure: 3.7yrs
- Compensation: US$467.45k
Bill Jacobs (77yo)
Chairman & Presiding Director
- Tenure: 3.5yrs
- Compensation: US$487.45k
Kenneth Aldrich (80yo)
Independent Director
- Tenure: 18.9yrs
- Compensation: US$204.98k
George Gresham (52yo)
Independent Director
- Tenure: 3.6yrs
- Compensation: US$414.47k
Steve Streit (57yo)
Founder
- Tenure: 18.9yrs
- Compensation: US$5.50m
Nino Fanlo (58yo)
Independent Director
- Tenure: 3.6yrs
- Compensation: US$414.95k
Jeff Osher
Advisor & Observer
- Tenure: 2.8yrs
Raj Date (48yo)
Independent Director
- Tenure: 3.7yrs
- Compensation: US$219.98k
Glinda Bridgforth Hodges (66yo)
Independent Director
- Tenure: 5yrs
- Compensation: US$427.38k
Company Information
Green Dot Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Green Dot Corporation
- Ticker: GDOT
- Exchange: NYSE
- Founded: 1999
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$1.296b
- Shares outstanding: 51.50m
- Website: https://www.greendot.com
Number of Employees
Location
- Green Dot Corporation
- 3465 East Foothill Boulevard
- Pasadena
- California
- 91107
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| GDOT | NYSE (New York Stock Exchange) | Yes | Class A Common Stock | US | USD | Jul 2010 |
| 5GN | DB (Deutsche Boerse AG) | Yes | Class A Common Stock | DE | EUR | Jul 2010 |
| 0J0N | LSE (London Stock Exchange) | Yes | Class A Common Stock | GB | USD | Jul 2010 |
Biography
Green Dot Corporation operates as a financial technology and bank holding company in the United States. It operates in two segments, Account Services, and Processing and Settlement Services. The company of ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/12/12 00:07 |
| End of Day Share Price | 2019/12/11 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.