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On Deck Capital

NYSE:ONDK
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ONDK
NYSE
$312M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

On Deck Capital, Inc. operates an online platform for small business lending in the United States, Canada, and Australia. The last earnings update was 39 days ago. More info.


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  • On Deck Capital has significant price volatility in the past 3 months.
ONDK Share Price and Events
7 Day Returns
-3.1%
NYSE:ONDK
-0.3%
US Diversified Financial
0.5%
US Market
1 Year Returns
-45.3%
NYSE:ONDK
6.2%
US Diversified Financial
0.8%
US Market
ONDK Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
On Deck Capital (ONDK) -3.1% -10.5% -28.1% -45.3% -24.9% -
US Diversified Financial -0.3% -0% 0.2% 6.2% 45.4% 57.3%
US Market 0.5% -0.1% 1% 0.8% 37.5% 37.5%
1 Year Return vs Industry and Market
  • ONDK underperformed the Diversified Financial industry which returned 6.2% over the past year.
  • ONDK underperformed the Market in United States of America which returned 0.8% over the past year.
Price Volatility
ONDK
Industry
5yr Volatility vs Market

ONDK Value

 Is On Deck Capital undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of On Deck Capital to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for On Deck Capital.

NYSE:ONDK Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 6 analysts.
= Stable Book Value * Return on Equity
= $4.65 * 12.2%
$0.57
Book Value of Equity per Share Weighted future Book Value estimates from 6 analysts. $4.65
Discount Rate (Cost of Equity) See below 14.2%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:ONDK
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Diversified Financial Unlevered Beta Simply Wall St/ S&P Global 0.74
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.739 (1 + (1- 21%) (281.97%))
1.929
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.93
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.929 * 5.96%)
14.22%

Discounted Cash Flow Calculation for NYSE:ONDK using Excess Returns Model Model

The calculations below outline how an intrinsic value for On Deck Capital is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NYSE:ONDK Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (12.2% – 14.22%) * $4.65)
$-0.10
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.10 / (14.22% - 2.73%)
$-0.83
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $4.65 + $-0.83
$3.82
NYSE:ONDK Discount to Share Price
Calculation Result
Value per share (USD) From above. $3.82
Current discount Discount to share price of $4.11
= -1 x ($4.11 - $3.82) / $3.82
-7.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of On Deck Capital is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for On Deck Capital's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are On Deck Capital's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:ONDK PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.47
NYSE:ONDK Share Price ** NYSE (2019-06-14) in USD $4.11
United States of America Diversified Financial Industry PE Ratio Median Figure of 12 Publicly-Listed Diversified Financial Companies 17.25x
United States of America Market PE Ratio Median Figure of 3,094 Publicly-Listed Companies 17.69x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of On Deck Capital.

NYSE:ONDK PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:ONDK Share Price ÷ EPS (both in USD)

= 4.11 ÷ 0.47

8.69x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • On Deck Capital is good value based on earnings compared to the US Diversified Financial industry average.
  • On Deck Capital is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does On Deck Capital's expected growth come at a high price?
Raw Data
NYSE:ONDK PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 8.69x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts
16.9%per year
United States of America Diversified Financial Industry PEG Ratio Median Figure of 9 Publicly-Listed Diversified Financial Companies 0.64x
United States of America Market PEG Ratio Median Figure of 2,125 Publicly-Listed Companies 1.52x

*Line of best fit is calculated by linear regression .

NYSE:ONDK PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 8.69x ÷ 16.9%

0.52x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • On Deck Capital is good value based on expected growth next year.
Price based on value of assets
What value do investors place on On Deck Capital's assets?
Raw Data
NYSE:ONDK PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $4.08
NYSE:ONDK Share Price * NYSE (2019-06-14) in USD $4.11
United States of America Diversified Financial Industry PB Ratio Median Figure of 20 Publicly-Listed Diversified Financial Companies 0.85x
United States of America Market PB Ratio Median Figure of 5,244 Publicly-Listed Companies 1.79x
NYSE:ONDK PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:ONDK Share Price ÷ Book Value per Share (both in USD)

= 4.11 ÷ 4.08

1.01x

* Primary Listing of On Deck Capital.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • On Deck Capital is overvalued based on assets compared to the US Diversified Financial industry average.
X
Value checks
We assess On Deck Capital's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Diversified Financial industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Diversified Financial industry average (and greater than 0)? (1 check)
  5. On Deck Capital has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

ONDK Future Performance

 How is On Deck Capital expected to perform in the next 1 to 3 years based on estimates from 11 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
16.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is On Deck Capital expected to grow at an attractive rate?
  • On Deck Capital's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • On Deck Capital's earnings growth is expected to exceed the United States of America market average.
  • On Deck Capital's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:ONDK Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:ONDK Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts 16.9%
NYSE:ONDK Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 11 Analysts 13.6%
United States of America Diversified Financial Industry Earnings Growth Rate Market Cap Weighted Average 0.8%
United States of America Diversified Financial Industry Revenue Growth Rate Market Cap Weighted Average 5.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:ONDK Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:ONDK Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 518 42 3
2020-12-31 486 32 11
2019-12-31 449 26 11
NYSE:ONDK Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 216 279 35
2018-12-31 203 264 28
2018-09-30 176 243 19
2018-06-30 156 232 5
2018-03-31 148 219 -2
2017-12-31 152 210 -12
2017-09-30 170 194 -52
2017-06-30 167 179 -65
2017-03-31 150 159 -81
2016-12-31 108 134 -83
2016-09-30 163 119 -52
2016-06-30 173 121 -31

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • On Deck Capital's earnings are expected to grow by 16.9% yearly, however this is not considered high growth (20% yearly).
  • On Deck Capital's revenue is expected to grow by 13.6% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:ONDK Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below

All data from On Deck Capital Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:ONDK Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 0.40 0.40 0.40 2.00
2020-12-31 0.41 0.52 0.33 8.00
2019-12-31 0.32 0.37 0.27 9.00
NYSE:ONDK Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.47
2018-12-31 0.37
2018-09-30 0.25
2018-06-30 0.07
2018-03-31 -0.03
2017-12-31 -0.16
2017-09-30 -0.73
2017-06-30 -0.91
2017-03-31 -1.14
2016-12-31 -1.17
2016-09-30 -0.73
2016-06-30 -0.45

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • On Deck Capital is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess On Deck Capital's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
On Deck Capital has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

ONDK Past Performance

  How has On Deck Capital performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare On Deck Capital's growth in the last year to its industry (Diversified Financial).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • On Deck Capital has delivered over 20% year on year earnings growth in the past 5 years.
  • On Deck Capital has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • On Deck Capital has become profitable in the last year making it difficult to compare the US Diversified Financial industry average.
Earnings and Revenue History
On Deck Capital's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from On Deck Capital Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:ONDK Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 216.19 35.46 154.05
2018-12-31 202.76 27.68 150.58
2018-09-30 176.05 18.74 150.09
2018-06-30 156.26 4.89 145.81
2018-03-31 147.58 -2.39 145.28
2017-12-31 151.83 -11.53 148.09
2017-09-30 169.94 -52.49 160.90
2017-06-30 166.57 -65.05 172.02
2017-03-31 150.16 -81.44 174.96
2016-12-31 108.49 -82.96 174.26
2016-09-30 162.55 -51.75 170.62
2016-06-30 172.97 -31.38 165.51
2016-03-31 183.49 -8.50 158.03
2015-12-31 179.60 -1.27 148.53
2015-09-30 162.00 -3.98 130.29
2015-06-30 137.01 -10.98 110.30
2015-03-31 111.66 -20.61 90.46
2014-12-31 90.23 -31.59 72.28
2014-09-30 72.98 -31.91 57.33
2014-06-30 58.87 -35.75 48.62
2014-03-31 42.86 -42.25 41.98
2013-12-31 37.40 -37.08 38.02
2012-12-31 13.09 -20.28 18.57

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • On Deck Capital has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • On Deck Capital used its assets more efficiently than the US Diversified Financial industry average last year based on Return on Assets.
  • Unable to establish if On Deck Capital improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess On Deck Capital's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Diversified Financial industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
On Deck Capital has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

ONDK Health

 How is On Deck Capital's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up On Deck Capital's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • On Deck Capital is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • On Deck Capital's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of On Deck Capital's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.4x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from On Deck Capital Company Filings, last reported 2 months ago.

NYSE:ONDK Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 313.59 879.81 60.45
2018-12-31 304.29 816.23 61.11
2018-09-30 290.22 812.43 71.30
2018-06-30 277.69 755.72 74.26
2018-03-31 267.47 737.99 70.42
2017-12-31 266.06 692.25 71.36
2017-09-30 259.10 720.18 64.29
2017-06-30 259.80 744.07 77.94
2017-03-31 260.68 816.01 73.00
2016-12-31 263.60 754.61 79.55
2016-09-30 295.78 664.45 85.95
2016-06-30 307.73 556.62 78.06
2016-03-31 322.74 468.33 136.84
2015-12-31 329.42 378.59 159.82
2015-09-30 329.48 351.19 165.71
2015-06-30 320.85 368.38 179.69
2015-03-31 306.87 398.39 168.20
2014-12-31 310.61 399.93 220.43
2014-09-30 100.73 350.20 22.64
2014-06-30 95.83 265.31 18.98
2014-03-31 23.31 203.30 4.67
2013-12-31 23.31 203.30 4.67
2012-12-31 -3.23 104.30 7.39
  • On Deck Capital's level of debt (268.6%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (846.2% vs 268.6% today).
  • Debt is well covered by operating cash flow (33.1%, greater than 20% of total debt).
  • Unable to confirm if the interest payments on On Deck Capital's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess On Deck Capital's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. On Deck Capital has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

ONDK Dividends

 What is On Deck Capital's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from On Deck Capital dividends. Estimated to be 0% next year.
If you bought $2,000 of On Deck Capital shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate On Deck Capital's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate On Deck Capital's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:ONDK Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below
United States of America Diversified Financial Industry Average Dividend Yield Market Cap Weighted Average of 7 Stocks 2%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2011 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:ONDK Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.00 2.00
2020-12-31 0.00 2.00
2019-12-31 0.00 2.00

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as On Deck Capital has not reported any payouts.
  • Unable to verify if On Deck Capital's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of On Deck Capital's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as On Deck Capital has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of On Deck Capital's dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess On Deck Capital's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can On Deck Capital afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. On Deck Capital has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

ONDK Management

 What is the CEO of On Deck Capital's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Noah Breslow
COMPENSATION $2,557,612
AGE 43
TENURE AS CEO 7 years
CEO Bio

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 September 2011 and Chief Operating Officer since October 2011 until June 2012. He served as the Senior Vice President of Products & Technology at OnDeck Capital Inc. since March 2008 until September 2009. Mr. Breslow served as Vice President of Product & Operations of OnDeck Capital Inc. since June 2007 until February 2008. Mr. Breslow served as Vice President of Marketing & Product Management of Tacit Networks, Inc. He has significant experience in marketing, operations and engineering in emerging technology companies. Prior to Tacit, Mr. Breslow worked in business development and finance at Kirusa, a startup supplier of software infrastructure to mobile operators. He served as Vice President of Engineering at Kokua Communications, where he led a team of engineers in the design and deployment of broadband Internet service across Western Europe using an advanced geostationary satellite infrastructure. Mr. Breslow serves as a Director at On Deck Capital, Inc. Before this, Mr. Breslow held systems design and software engineering positions at Teledesic and Netscape. Mr. Breslow holds an MBA with Distinction from Harvard Business School, a B.S. in Computer Science and Engineering from MIT and a U.S. patent in the area of network protocol optimization.

CEO Compensation
  • Noah's compensation has increased in line with On Deck Capital recently becoming profitable.
  • Noah's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the On Deck Capital management team in years:

1.4
Average Tenure
47
Average Age
  • The average tenure for the On Deck Capital management team is less than 2 years, this suggests a new team.
Management Team

Noah Breslow

TITLE
Chairman & CEO
COMPENSATION
$3M
AGE
43
TENURE
7 yrs

Ken Brause

TITLE
Chief Financial Officer
COMPENSATION
$2M
AGE
53
TENURE
1.3 yrs

Nick Brown

TITLE
Chief Risk Officer
COMPENSATION
$1M
AGE
46
TENURE
2.6 yrs

Cory Kampfer

TITLE
COO & General Counsel
COMPENSATION
$735K
AGE
41
TENURE
1.3 yrs

Nicholas Sinigaglia

TITLE
Chief Accounting Officer
AGE
48
TENURE
4.5 yrs

David Miller

TITLE
Senior Vice President of Technology
TENURE
1.4 yrs

Steve Klimas

TITLE
Head of Investor Relations
TENURE
0.9 yrs

Deb Stroff

TITLE
Chief People Officer
TENURE
0.1 yrs

Andrea Gellert

TITLE
Chief Revenue Officer
COMPENSATION
$742K
AGE
49
TENURE
2.1 yrs

Rob Young

TITLE
President of International
Board of Directors Tenure

Average tenure and age of the On Deck Capital board of directors in years:

4.1
Average Tenure
55.5
Average Age
  • The tenure for the On Deck Capital board of directors is about average.
Board of Directors

Noah Breslow

TITLE
Chairman & CEO
COMPENSATION
$3M
AGE
43
TENURE
7 yrs

Neil Wolfson

TITLE
Director
COMPENSATION
$212K
AGE
54
TENURE
8.2 yrs

Ron Verni

TITLE
Director
COMPENSATION
$201K
AGE
70
TENURE
7.1 yrs

Jane Thompson

TITLE
Director
COMPENSATION
$203K
AGE
66
TENURE
4.8 yrs

Dan Henson

TITLE
Lead Independent Director
COMPENSATION
$203K
AGE
57
TENURE
0.4 yrs

Bruce Nolop

TITLE
Director
COMPENSATION
$203K
AGE
67
TENURE
3.4 yrs

Chandra Dhandapani

TITLE
Director
COMPENSATION
$336K
AGE
50
TENURE
0.6 yrs

Manolo Sánchez Rodriguez

TITLE
Director
COMPENSATION
$337K
AGE
52
TENURE
0.6 yrs
Who owns this company?
Recent Insider Trading
  • On Deck Capital insiders have only sold shares in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
19. Mar 19 Sell Nicholas Sinigaglia Individual 18. Mar 19 18. Mar 19 -2,800 $5.69 $-15,925
20. Feb 19 Buy Daniel Henson Individual 19. Feb 19 19. Feb 19 7,000 $6.02 $42,139
20. Feb 19 Buy Noah Breslow Individual 19. Feb 19 19. Feb 19 8,000 $5.93 $47,427
20. Feb 19 Buy Ronald Verni Individual 19. Feb 19 19. Feb 19 6,000 $5.89 $35,340
15. Nov 18 Sell Sapphire Ventures LLC Company 13. Nov 18 14. Nov 18 -105,825 $8.30 $-878,584
18. Sep 18 Sell Nicholas Sinigaglia Individual 17. Sep 18 17. Sep 18 -3,014 $7.58 $-22,858
25. Jun 18 Sell EJF Capital LLC Company 11. Jun 18 25. Jun 18 -684,220 $7.62 $-6,395,231
X
Management checks
We assess On Deck Capital's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. On Deck Capital has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

ONDK News

Simply Wall St News

Introducing On Deck Capital (NYSE:ONDK), The Stock That Dropped 35% In The Last Year

One way to examine how market sentiment has changed over time is to look at the interaction between a company's share price and its earnings per share (EPS). … Earnings per share growth rates aren't particularly useful for comparing with the share price, when a company has moved from loss to profit. … Since the fundamental metrics don't readily explain the share price drop, there might be an opportunity if the market has overreacted.

Simply Wall St -

What Kind Of Share Price Volatility Should You Expect For On Deck Capital, Inc. (NYSE:ONDK)?

(NYSE:ONDK), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Beta can be a useful tool to understand how much a stock is influenced by market risk (volatility). … Any stock with a beta of greater than one is considered more volatile than the market, while those with a beta below one are either less volatile or poorly correlated with the market.

Simply Wall St -

Why On Deck Capital, Inc. (NYSE:ONDK) Could Be Worth Watching

saw significant share price movement during recent months on the NYSE, rising to highs of $7.52 and falling to the lows of $5.26. … A question to answer is whether On Deck Capital's current trading price of $5.26 reflective of the actual value of the? … Let’s take a look at On Deck Capital’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change

Simply Wall St -

What Should Investors Know About On Deck Capital, Inc.'s (NYSE:ONDK) Growth?

The most recent earnings release On Deck Capital, Inc.'s (NYSE:ONDK) announced in December 2018 … negative earnings

Simply Wall St -

What Do Analysts Think About On Deck Capital, Inc.'s (NYSE:ONDK) Future?

Want to participate in a short research study? … Help shape the future of investing tools and you could win a $250 gift card! … Looking at On Deck Capital, Inc.'s (NYSE:ONDK) earnings update in September 2018,

Simply Wall St -

Should You Think About Buying On Deck Capital Inc (NYSE:ONDK) Now?

On Deck Capital Inc (NYSE:ONDK), which is in the diversified financial business, and is based in United States,. … As a stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … Let’s examine On Deck Capital’s valuation and outlook in more detail to determine if there’s still a bargain opportunity

Simply Wall St -

Should You Have On Deck Capital Inc's (NYSE:ONDK) In Your Portfolio?

Every stock in the market is exposed to this volatility, which is linked to the fact that stocks prices are correlated in an efficient market. … Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … Any stock with a beta of greater than one is considered more volatile than the market, while those with a beta below one are either less volatile or poorly correlated with the market.

Simply Wall St -

How Should Investors React To On Deck Capital Inc's (NYSE:ONDK) CEO Pay?

Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … This is because, if incentives are aligned, more value is created for shareholders which directly impacts your returns as an investor. … CEOs leading companies of similar size and profitability

Simply Wall St -

Should You Buy On Deck Capital Inc (NYSE:ONDK)?

On Deck Capital Inc (NYSE:ONDK), a diversified financial company based in United States,. … Today I will analyse the most recent data on On Deck Capital’s outlook and valuation to see if the opportunity still exists? … What does the future of On Deck Capital look like?

Simply Wall St -

Is It Time To Buy On Deck Capital Inc (NYSE:ONDK)?

Let’s take a look at On Deck Capital’s outlook and value based on the most recent financial data to see if the opportunity still exists. … I find that On Deck Capital’s ratio of 1.44x is trading slightly above its industry peers’ ratio of 1.22x, which means if you buy On Deck Capital today, you’d be paying a relatively fair price for it. … And if you believe On Deck Capital should be trading in this range, then there isn’t really any room for the share price grow beyond what it’s currently trading.

Simply Wall St -

ONDK Company Info

Description

On Deck Capital, Inc. operates an online platform for small business lending in the United States, Canada, and Australia. It offers term loans and lines of credit. The company also provides 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. The company was founded in 2006 and is headquartered in New York, New York.

Details
Name: On Deck Capital, Inc.
ONDK
Exchange: NYSE
Founded: 2006
$312,026,087
75,918,756
Website: http://www.ondeck.com
Address: On Deck Capital, Inc.
1400 Broadway,
25th Floor,
New York,
New York, 10018,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE ONDK Common Stock New York Stock Exchange US USD 17. Dec 2014
DB 2OD Common Stock Deutsche Boerse AG DE EUR 17. Dec 2014
Number of employees
Current staff
Staff numbers
643
On Deck Capital employees.
Industry
Specialized Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/17 00:41
End of day share price update: 2019/06/14 00:00
Last estimates confirmation: 2019/05/10
Last earnings filing: 2019/05/09
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.