Green Dot Corporation operates as a financial technology and bank holding company in the United States.
Excellent balance sheet with moderate growth potential.
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's share price has been volatile over the past 3 months.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: GDOT exceeded the US Consumer Finance industry which returned -25.7% over the past year.
Return vs Market: GDOT exceeded the US Market which returned 15.4% over the past year.
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 months ago | Simply Wall StDoes Market Volatility Impact Green Dot Corporation's (NYSE:GDOT) Share Price?
3 months ago | Simply Wall StDid Changing Sentiment Drive Green Dot's (NYSE:GDOT) Share Price Down By 63%?
4 months ago | Simply Wall StGreen Dot Corporation (NYSE:GDOT): Should The Recent Earnings Drop Worry You?
Is Green Dot undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: GDOT ($55.19) is trading above our estimate of fair value ($41.97)
Significantly Below Fair Value: GDOT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: GDOT is poor value based on its PE Ratio (55.8x) compared to the US Consumer Finance industry average (8.3x).
PE vs Market: GDOT is poor value based on its PE Ratio (55.8x) compared to the US market (18.5x).
Price to Earnings Growth Ratio
PEG Ratio: GDOT is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: GDOT is overvalued based on its PB Ratio (2.9x) compared to the US Consumer Finance industry average (1.1x).
How is Green Dot forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GDOT's forecast earnings growth (45.2% per year) is above the savings rate (2.2%).
Earnings vs Market: GDOT's earnings (45.2% per year) are forecast to grow faster than the US market (22.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: GDOT's revenue (5.1% per year) is forecast to grow slower than the US market (9.4% per year).
High Growth Revenue: GDOT's revenue (5.1% 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 (11.4%).
How has Green Dot performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GDOT has high quality earnings.
Growing Profit Margin: GDOT's current net profit margins (4.4%) are lower than last year (10.7%).
Past Earnings Growth Analysis
Earnings Trend: GDOT's earnings have grown significantly by 20.2% 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 (-56.3%) over the past year, making it difficult to compare to the Consumer Finance industry average (-38.6%).
Return on Equity
High ROE: GDOT's Return on Equity (5.1%) is considered low.
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
Financial Institutions Analysis
Asset Level: GDOT's Assets to Equity ratio (3.3x) is low.
Allowance for Bad Loans: GDOT has a sufficient allowance for bad loans (238%).
Low Risk Liabilities: 85% of GDOT's liabilities are made up of primarily low risk sources of funding.
Loan Level: GDOT has an appropriate level of Loans to Assets ratio (1%).
Low Risk Deposits: GDOT's Loans to Deposits ratio (1%) is appropriate.
Level of Bad Loans: GDOT has a high level of bad loans (7.9%).
What is Green Dot current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate GDOT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate GDOT's dividend yield against the top 25% of dividend payers, as the company has not reported any recent 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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dan Henry (54 yo)
Mr. Daniel R. Henry, also known as Dan, serves as Chief Executive Officer, President and Director at Green Dot Corporation since March 25, 2020. He has been Chairman and Director at PaySign, Inc., (formerl ...
|Founder & Chief Innovation Officer||21.58yrs||US$6.05m||no data|
|CEO, President & Director||0.42yr||no data||no data|
|Interim CFO & Chief Accounting Officer||0.58yr||no data||0.054% |
|Investor Relations||no data||no data||no data|
|General Counsel & Secretary||16.17yrs||US$1.62m||0.011% |
|Chief Human Resources Officer||2.92yrs||no data||0.0018% |
|Chief of Enterprise Partnerships||0.67yr||no data||no data|
|Executive VP & Chief Product||0.25yr||no data||no data|
|Senior VP & Chief Risk Officer||0.25yr||no data||no data|
|Executive Vice President of Retail||0.17yr||no data||no data|
|Chief Executive Officer at Green Dot Bank||1.33yrs||no data||0.11% |
|Vice President of Communications & Communities||no data||no data||no data|
Experienced Management: GDOT's management team is not considered experienced ( 0.6 years average tenure), which suggests a new team.
|CEO, President & Director||0.42yr||no data||no data|
|Independent Director||6.92yrs||US$446.96k||0.053% |
|Independent Director||0.33yr||no data||0.0018% |
|Independent Director||4.33yrs||US$469.96k||0.12% |
|Independent Chairman of Board||4.17yrs||US$489.96k||0.12% |
|Independent Director||19.58yrs||US$204.98k||0.24% |
|Independent Director||4.25yrs||US$414.96k||0.042% |
|Independent Director||0.42yr||no data||0.0020% |
|Independent Director||4.33yrs||US$219.98k||0.016% |
|Independent Director||5.67yrs||US$427.68k||0.017% |
Experienced Board: GDOT's board of directors are considered experienced (4.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: GDOT insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Green Dot Corporation's company bio, employee growth, exchange listings and data sources
- Name: Green Dot Corporation
- Ticker: GDOT
- Exchange: NYSE
- Founded: 1999
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$2.941b
- Shares outstanding: 53.30m
- Website: https://www.greendot.com
Number of Employees
- Green Dot Corporation
- 3465 East Foothill Boulevard
- United States
|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|
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||2020/08/07 00:30|
|End of Day Share Price||2020/08/06 00:00|
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.