GreenSky, Inc., a technology company, that enables promotional financing at the point of sale for merchants, consumers, and bank partners. More Details
Undervalued with reasonable growth potential.
Share Price & News
How has GreenSky's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GSKY is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: GSKY's weekly volatility (6%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: GSKY underperformed the US IT industry which returned 30.7% over the past year.
Return vs Market: GSKY underperformed the US Market which returned 35.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is GreenSky's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 days ago | Simply Wall StHow Much Did GreenSky's(NASDAQ:GSKY) Shareholders Earn From Share Price Movements Over The Last Three Years?
1 month ago | Simply Wall StShould You Take Comfort From Insider Transactions At GreenSky, Inc. (NASDAQ:GSKY)?
2 months ago | Simply Wall StWe Think That There Are More Issues For GreenSky (NASDAQ:GSKY) Than Just Sluggish Earnings
Is GreenSky undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: GSKY ($7.19) is trading below our estimate of fair value ($17.76)
Significantly Below Fair Value: GSKY is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: GSKY is good value based on its PE Ratio (17.5x) compared to the US IT industry average (35.8x).
PE vs Market: GSKY is good value based on its PE Ratio (17.5x) compared to the US market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: GSKY is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: GSKY is overvalued based on its PB Ratio (30.1x) compared to the US IT industry average (5.2x).
How is GreenSky forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GSKY's forecast earnings growth (39.1% per year) is above the savings rate (2%).
Earnings vs Market: GSKY's earnings (39.1% per year) are forecast to grow faster than the US market (15% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: GSKY's revenue (12.3% per year) is forecast to grow faster than the US market (9.2% per year).
High Growth Revenue: GSKY's revenue (12.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if GSKY's Return on Equity is forecast to be high in 3 years time
How has GreenSky performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GSKY has high quality earnings.
Growing Profit Margin: GSKY's current net profit margins (5.5%) are higher than last year (3.2%).
Past Earnings Growth Analysis
Earnings Trend: GSKY's earnings have declined by 49.4% per year over the past 5 years.
Accelerating Growth: GSKY's earnings growth over the past year (66.8%) exceeds its 5-year average (-49.4% per year).
Earnings vs Industry: GSKY earnings growth over the past year (66.8%) exceeded the IT industry 19.3%.
Return on Equity
High ROE: GSKY's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.
How is GreenSky's financial position?
Financial Position Analysis
Short Term Liabilities: GSKY has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.
Long Term Liabilities: GSKY has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.
Debt to Equity History and Analysis
Debt Level: GSKY has negative shareholder equity, which is a more serious situation than a high debt level.
Reducing Debt: GSKY's has negative shareholder equity, so we do not need to check if its debt has reduced over time.
Debt Coverage: GSKY's debt is well covered by operating cash flow (32.1%).
Interest Coverage: GSKY's interest payments on its debt are well covered by EBIT (3.2x coverage).
What is GreenSky current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate GSKY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate GSKY'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 GSKY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if GSKY'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 GSKY'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
David Zalik (46 yo)
Mr. David Zalik Co-Founded GreenSky, LLC in 2006 and serves as its Chief Executive Officer since 2006. Mr. Zalik Co-Founded GreenSky, Inc. in 2006 and serves as its Chief Executive Officer since 2006. Mr. ...
CEO Compensation Analysis
Compensation vs Market: David's total compensation ($USD502.37K) is below average for companies of similar size in the US market ($USD3.68M).
Compensation vs Earnings: David's compensation has been consistent with company performance over the past year.
Experienced Management: GSKY's management team is considered experienced (3.2 years average tenure).
Experienced Board: GSKY's board of directors are considered experienced (7.6 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.
GreenSky, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: GreenSky, Inc.
- Ticker: GSKY
- Exchange: NasdaqGS
- Founded: 2006
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: US$1.280b
- Market Cap: US$521.675m
- Shares outstanding: 178.01m
- Website: https://www.greensky.com
Number of Employees
- GreenSky, Inc.
- 5565 Glenridge Connector
- Suite 700
- United States
GreenSky, Inc., a technology company, that enables promotional financing at the point of sale for merchants, consumers, and bank partners. It offers a proprietary technology infrastructure that supports th...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/08/03 00:47|
|End of Day Share Price||2021/08/02 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.