Green Dot Corp

Finance
Finance: Consumer Services
www.greendot.com

Earnings Score
Moat Score

Market Cap $561.48M
PE -10
Debt $NaN
Cash $1.45B
EV $NaN
FCF -$3.14M

Earnings

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Sales & Net Margins

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Earnings	-$55.41M
EBIT	-$42.32M
ROE	-6%
ROA	-1%
FCF	-$3.14M
Equity	$932.25M
Growth Stability	15%
PE	-10.13
PEG	2.4
PB	0.6
P/FCF	-178.65
P/S	0.34
Price/Cash	2.59
Net Margins	-3%
Op. Margins	-3%
Earnings CAGR	-4%
Sales Growth YoY	16%
Sales Growth QoQ	1%
Sales CAGR	11%
FCF CAGR	-8%
Equity CAGR	4%
Earnings Stability	0.03
Earnings Growth YoY	25%

Earnings Growth QoQ	-73%
Earnings CAGR 5Y	-4%
Sales CAGR 5Y	7%
FCF CAGR 5Y	-25%
Equity CAGR 5Y	-4%
Earnings CAGR 3Y	4%
Sales CAGR 3Y	4%
FCF CAGR 3Y	-59%
Equity CAGR 3Y	-3%
Market Cap	$561.48M
Revenue	$1.63B
Assets	$5.29B
Cash	$1.45B
Shares Outstanding	53.37M
Earnings Score	6%
Moat Score	13%
Working Capital	-2.09B
Current Ratio	0.52
Shares Growth 3y	-1%
Equity Growth QoQ	7%
Equity Growth YoY	17%

Assets & ROA

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Stockholders Equity & ROE

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Green Dot Corp is a financial technology company that provides financial services for consumers in the United States without good banking options. Through its Account Services segment, the company offers GoBank mobile checking and Visa- or Mastercard-branded prepaid debit cards, both reloadable and non-reloadable. Green Dot also supplies private-label reloadable cards for Wal-Mart. Account services revenue is generated through monthly maintenance fees, ATM fees, new card fees, and interchange fees. The company's Processing and Settlement Services segment generates revenue through service fees on debit card reloads and tax refund processing. The tax refund processing business earns fees when customers of third-party tax preparers choose to pay the preparer's fee through Green Dot's service.

SEC Filings

Direct access to Green Dot Corp (GDOT) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Green Dot Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Green Dot Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -4%

Stability 3%

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Green Dot Corp Discounted Cash Flow

Fully customizable DCF calculator online for Green Dot Corp.

Years

Calculation mode

= -$19M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$3.1M	-$2.9M	-$2.7M	-$2.5M	-$2.3M	-$2.1M	-$1.9M	-$1.8M	-$1.6M	-$1.5M	-$1.4M	-$14M
DCF		-$2.6M	-$2.2M	-$1.9M	-$1.6M	-$1.3M	-$1.1M	-$913K	-$765K	-$642K	-$538K	-$5.4M
Value	-$19M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	6%	5%	6%	10%	11%	9%	2%	3%	4%	0%	-3%
ROA	-	4%	4%	4%	5%	5%	1%	1%	2%	0%	-1%
ROE	-	6%	6%	11%	13%	11%	2%	4%	8%	1%	-6%

Bad Net Margins (-2.51%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	100%	100%	100%	22%	58%	100%	15%	15%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (15%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	15%	3%	24%	17%	6%	13%	14%	1%	4%	7%
Earnings YoY growth	-	-1%	9%	111%	38%	-16%	-77%	107%	36%	-90%	-4%
Equity YoY growth	-	5%	3%	12%	19%	2%	9%	6%	-27%	10%	-4%
FCF YoY growth	-	267%	-37%	155%	9%	-41%	34%	-30%	84%	-89%	-25%