NYSE:GDOT

Stock Analysis Report

Executive Summary

Green Dot Corporation operates as a financial technology and bank holding company in the United States.

Snowflake

Fundamentals

Fair value with limited growth.


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


Market Performance


7 Day Return

-0.5%

GDOT

1.0%

US Consumer Finance

0.5%

US Market


1 Year Return

-68.2%

GDOT

4.7%

US Consumer Finance

6.8%

US Market

Return vs Industry: GDOT underperformed the US Consumer Finance industry which returned 4.7% over the past year.

Return vs Market: GDOT underperformed the US Market which returned 6.8% over the past year.


Shareholder returns

GDOTIndustryMarket
7 Day-0.5%1.0%0.5%
30 Day-12.8%-2.6%-0.8%
90 Day-49.2%-6.6%-0.9%
1 Year-68.2%-68.2%6.6%4.7%9.2%6.8%
3 Year5.7%5.7%52.6%45.2%45.6%36.2%
5 Year11.7%11.7%38.6%28.5%63.2%45.4%

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

Valuation

Is Green Dot undervalued compared to its fair value and its price relative to the market?

29.4%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: GDOT ($24.29) is trading below our estimate of fair value ($34.42)

Significantly Below Fair Value: GDOT is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: GDOT is poor value based on its PE Ratio (10.9x) compared to the Consumer Finance industry average (8.3x).

PE vs Market: GDOT is good value based on its PE Ratio (10.9x) compared to the US market (17.7x).


Price to Earnings Growth Ratio

PEG Ratio: GDOT is good value based on its PEG Ratio (0.7x)


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 13 analysts?

16.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: GDOT's forecast earnings growth (16.6% per year) is above the savings rate (2.7%).

Earnings vs Market: GDOT's earnings (16.6% per year) are forecast to grow faster than the US market (14.6% per year).

High Growth Earnings: GDOT's earnings are forecast to grow, but not significantly.

Revenue vs Market: GDOT's revenue (3.8% per year) is forecast to grow slower than the US market (7.2% per year).

High Growth Revenue: GDOT's revenue (3.8% 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 (18.1%).


Next Steps

Past Performance

How has Green Dot performed over the past 5 years?

28.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: GDOT's earnings have grown significantly by 28.5% 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 (-6.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (25.5%).


Return on Equity

High ROE: GDOT's Return on Equity (12.8%) is considered low.


Return on Assets

ROA vs Industry: GDOT's Return on Assets is below or equal to the Consumer Finance industry average last year.


Return on Capital Employed

ROCE Improving: GDOT has significantly improved its Return on Capital Employed over the past 3 years.


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 2828.721400x 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

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage1.9%forecastin3Years0%

Current dividend yield vs market & industry


Stability and Growth of Payments

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.

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?

3.7yrs

Average management tenure


CEO

Steve Streit (57yo)

18.8yrs

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 ($USD5.50M) is about average for companies of similar size in the US market ($USD4.00M).

Compensation vs Earnings: Steve's compensation has been consistent with company performance over the past year.


Management Age and Tenure

3.7yrs

Average Tenure

50.5yo

Average Age

Experienced Management: GDOT's management team is considered experienced (3.7 years average tenure).


Board Age and Tenure

3.5yrs

Average Tenure

66yo

Average Age

Experienced Board: GDOT's board of directors are considered experienced (3.5 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

SellUS$321,87930 May 19
Glinda Bridgforth Hodges
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares6,787
Max PriceUS$47.43
SellUS$83,89130 May 19
Rajeev Date
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,736
Max PriceUS$48.32
SellUS$270,35324 May 19
Brett Narlinger
EntityIndividual
Role
Senior Key Executive
Chief Revenue Officer
Shares5,532
Max PriceUS$48.87
SellUS$691,85505 Mar 19
John Ricci
EntityIndividual
Role
Chief Legal Officer
General Counsel & Secretary
Shares11,126
Max PriceUS$62.18
SellUS$616,50626 Feb 19
George Gresham
EntityIndividual
Role
Member of the Board of Directors
Director
Shares9,582
Max PriceUS$64.34
SellUS$338,15026 Feb 19
Brett Narlinger
EntityIndividual
Role
Senior Key Executive
Chief Revenue Officer
Shares5,000
Max PriceUS$67.63
SellUS$826,81003 Dec 18
Mark Shifke
EntityIndividual
Role
Chief Financial Officer
Chief Financial Officer
Shares10,000
Max PriceUS$82.68
SellUS$48,00028 Nov 18
Brett Narlinger
EntityIndividual
Role
Senior Key Executive
Chief Revenue Officer
Shares600
Max PriceUS$80.00
SellUS$314,74228 Nov 18
Mary Dent
EntityIndividual
Shares3,994
Max PriceUS$78.80
SellUS$377,29919 Nov 18
John Ricci
EntityIndividual
Role
Chief Legal Officer
General Counsel & Secretary
Shares4,466
Max PriceUS$84.48
SellUS$400,00115 Nov 18
Brett Narlinger
EntityIndividual
Role
Senior Key Executive
Chief Revenue Officer
Shares5,000
Max PriceUS$80.00

Ownership Breakdown


Management Team

  • Steve Streit (57yo)

    Founder

    • Tenure: 18.8yrs
    • Compensation: US$5.50m
  • John Ricci (53yo)

    General Counsel & Secretary

    • Tenure: 15.3yrs
    • Compensation: US$1.62m
  • Jeff Ross

    Senior VP and BSA/AML/OFAC Officer

    • Tenure: 11.3yrs
  • Mark Shifke (59yo)

    Chief Financial Officer

    • Tenure: 4.4yrs
    • Compensation: US$2.09m
  • Kuan Archer (46yo)

    President & Chief Product and Technology Officer

    • Tenure: 0.7yrs
    • Compensation: US$2.09m
  • Dara Dierks

    Investor Relations

    • Tenure: 0yrs
  • Brett Narlinger (48yo)

    Chief Revenue Officer

    • Tenure: 2.9yrs
    • Compensation: US$3.69m
  • Jess Unruh

    Chief Accounting Officer

    • Tenure: 0yrs
  • Rob Strub

    Chief Operating Officer

    • Tenure: 0.7yrs
  • Jason Bibelheimer (43yo)

    Chief Human Resources Officer

    • Tenure: 2.1yrs

Board Members

  • George Shaheen (75yo)

    Independent Director

    • Tenure: 6.1yrs
    • Compensation: US$446.95k
  • Chris Brewster (69yo)

    Director

    • Tenure: 3.5yrs
    • Compensation: US$467.45k
  • Bill Jacobs (77yo)

    Chairman & Presiding Director

    • Tenure: 3.3yrs
    • Compensation: US$487.45k
  • Kenneth Aldrich (80yo)

    Director

    • Tenure: 18.8yrs
    • Compensation: US$204.98k
  • George Gresham (52yo)

    Director

    • Tenure: 3.4yrs
    • Compensation: US$414.47k
  • Steve Streit (57yo)

    Founder

    • Tenure: 18.8yrs
    • Compensation: US$5.50m
  • Nino Fanlo (58yo)

    Director

    • Tenure: 3.4yrs
    • Compensation: US$414.95k
  • Jeff Osher

    Advisor & Observer

    • Tenure: 2.6yrs
  • Raj Date (48yo)

    Director

    • Tenure: 3.5yrs
    • Compensation: US$219.98k
  • Glinda Bridgforth Hodges (66yo)

    Independent Director

    • Tenure: 4.8yrs
    • 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$1.259b
  • Shares outstanding: 51.82m
  • Website: https://www.greendot.com

Number of Employees


Location

  • Green Dot Corporation
  • 3465 East Foothill Boulevard
  • Pasadena
  • California
  • 91107
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GDOTNYSE (New York Stock Exchange)YesClass A Common StockUSUSDJul 2010
5GNDB (Deutsche Boerse AG)YesClass A Common StockDEEURJul 2010
0J0NLSE (London Stock Exchange)YesClass A Common StockGBUSDJul 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/21 00:21
End of Day Share Price2019/10/18 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.