On Deck Capital, Inc. operates an online platform for small business lending in the United States, Canada, and Australia.
Adequate balance sheet and overvalued.
Share Price & News
How has On Deck Capital's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ONDK's share price has been volatile over the past 3 months.
7 Day Return
US Diversified Financial
1 Year Return
US Diversified Financial
Return vs Industry: ONDK underperformed the US Diversified Financial industry which returned -15.5% over the past year.
Return vs Market: ONDK underperformed the US Market which returned 6.7% over the past year.
Price Volatility Vs. Market
How volatile is On Deck Capital's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 months ago | Simply Wall StOur Take On On Deck Capital, Inc.'s (NYSE:ONDK) CEO Salary
5 months ago | Simply Wall StInvestors Who Bought On Deck Capital (NYSE:ONDK) Shares Five Years Ago Are Now Down 77%
5 months ago | Simply Wall StDoes The On Deck Capital, Inc. (NYSE:ONDK) Share Price Tend To Follow The Market?
Is On Deck Capital undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate ONDK's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate ONDK's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: ONDK is unprofitable, so we can't compare its PE Ratio to the Diversified Financial industry average.
PE vs Market: ONDK is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ONDK's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ONDK is good value based on its PB Ratio (0.2x) compared to the US Diversified Financial industry average (0.5x).
How is On Deck Capital forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ONDK is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: ONDK is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: ONDK is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: ONDK's revenue (0.6% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: ONDK's revenue (0.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ONDK's Return on Equity is forecast to be low in 3 years time (4.6%).
How has On Deck Capital performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ONDK is currently unprofitable.
Growing Profit Margin: ONDK is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: ONDK is unprofitable, but has reduced losses over the past 5 years at a rate of 34.6% per year.
Accelerating Growth: Unable to compare ONDK's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: ONDK is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (23.6%).
Return on Equity
High ROE: ONDK has a negative Return on Equity (-18.42%), as it is currently unprofitable.
How is On Deck Capital's financial position?
Financial Position Analysis
Short Term Liabilities: ONDK's short term assets ($1.2B) exceed its short term liabilities ($66.7M).
Long Term Liabilities: ONDK's short term assets ($1.2B) exceed its long term liabilities ($1.0B).
Debt to Equity History and Analysis
Debt Level: ONDK's debt to equity ratio (444.1%) is considered high.
Reducing Debt: ONDK's debt to equity ratio has increased from 129.5% to 444.1% over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable ONDK has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: ONDK is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 24.9% per year.
What is On Deck Capital current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ONDK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ONDK'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 ONDK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ONDK'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 ONDK'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
Noah Breslow (45yo)
Mr. Noah Breslow has been the Chairman and Chief Executive Officer of On Deck Capital, Inc. since June 2012. Mr. Breslow served as the Chief Product Officer of OnDeck Capital Inc. from October 2009 until S ...
CEO Compensation Analysis
Compensation vs Market: Noah's total compensation ($USD2.50M) is above average for companies of similar size in the US market ($USD610.56K).
Compensation vs Earnings: Noah's compensation has been consistent with company performance over the past year.
|Chairman & CEO||8.08yrs||US$2.50m||1.61% $699.4k|
|Chief Financial Officer||2.33yrs||US$1.33m||0.067% $28.9k|
|COO & General Counsel||2.42yrs||US$1.23m||0.43% $188.8k|
|Chief Risk Officer||3.67yrs||US$1.13m||0.11% $49.9k|
|Chief Product & Technology Officer||0.50yr||no data||no data|
|Head of Investor Relations||2yrs||no data||no data|
|Chief People Officer||1.17yrs||no data||no data|
|President of International||no data||no data||no data|
|Head of Product & Technology||1.75yrs||no data||no data|
|Head of Acquisition Risk Management||1.42yrs||no data||no data|
Experienced Management: ONDK's management team is considered experienced (2 years average tenure).
|Chairman & CEO||8.08yrs||US$2.50m||1.61% $699.4k|
|Independent Director||4.5yrs||US$207.50k||0.22% $97.4k|
|Independent Director||8.17yrs||US$210.00k||0.20% $87.0k|
|Lead Independent Director||1.5yrs||US$220.00k||0.22% $96.8k|
|Independent Director||9.25yrs||US$216.25k||0.39% $168.6k|
|Independent Director||1.67yrs||US$207.50k||0.075% $32.4k|
|Independent Director||5.92yrs||US$207.50k||0.18% $78.8k|
|Independent Director||1.67yrs||US$202.50k||0.075% $32.4k|
Experienced Board: ONDK's board of directors are considered experienced (5.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if 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.
On Deck Capital, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: On Deck Capital, Inc.
- Ticker: ONDK
- Exchange: NYSE
- Founded: 2006
- Industry: Specialized Finance
- Sector: Diversified Financials
- Market Cap: US$43.415m
- Shares outstanding: 58.42m
- Website: https://www.ondeck.com
Number of Employees
- On Deck Capital, Inc.
- 1400 Broadway
- 25th Floor
- New York
- New York
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ONDK||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Dec 2014|
|2OD||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Dec 2014|
On Deck Capital, Inc. operates an online platform for small business lending in the United States, Canada, and Australia. It offers term loans, line of credit loans, and equipment finance loans. The company also operates technology and services platform that facilitates online lending to small business customers for banks. It distributes its products through direct marketing channel, strategic partners, and funding advisors. On Deck Capital, Inc. was founded in 2006 and is headquartered in New York, New York.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/09 23:57|
|End of Day Share Price||2020/07/09 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.