-2.31%
-16.08%
-21.30%
-5.34%
-1.88%
-72.63%
-72.12%
AI Spotlight on GDOT
Company Description
Green Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States.It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services.The company offers deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs.
It also provides money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and simply paid disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager.In addition, the company offers tax processing services comprising tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients.Green Dot Corporation was incorporated in 1999 and is headquartered in Austin, Texas.
Market Data
| Last Price | 8.87 |
| Change Percentage | -2.31% |
| Open | 9.05 |
| Previous Close | 9.08 |
| Market Cap ( Millions) | 477 |
| Volume | 207361 |
| Year High | 13.58 |
| Year Low | 7.7 |
| M A 50 | 10.09 |
| M A 200 | 10.24 |
Financial Ratios
| FCF Yield | 10.28% |
| Dividend Yield | 0.00% |
| ROE | -6.27% |
| Debt / Equity | 5.13% |
| Net Debt / EBIDTA | -3808.94% |
| Price To Book | 0.51 |
| Price Earnings Ratio | -8.54 |
| Price To FCF | 9.73 |
| Price To sales | 0.29 |
| EV / EBITDA | -25.16 |
News
- Jan -09 - GDOT's BaaS Account Programs Aid Market Expansion Amid Low Liquidity
- Dec -27 - Green Dot: An Unloved Payments Stock, At An Inflection Point
- Dec -20 - Varo Bank Introduces Zero Fee Cash Deposits at Participating CVS Locations
- Nov -15 - Green Dot: A Turnaround Play That May Pay Out
- Nov -14 - GREEN DOT PUBLIC SCHOOLS NAMES DR. MANNY ACEVES AS VICE PRESIDENT OF DEVELOPMENT
- Nov -14 - Green Dot Stock Appreciates 4% Despite Earnings Miss in Q3
- Nov -09 - Green Dot Corporation (GDOT) Q3 2024 Earnings Call Transcript
- Nov -08 - Compared to Estimates, Green Dot (GDOT) Q3 Earnings: A Look at Key Metrics
- Nov -08 - Green Dot (GDOT) Lags Q3 Earnings Estimates
- Oct -31 - Green Dot (GDOT) Earnings Expected to Grow: Should You Buy?
- Oct -23 - Green Dot Launches Brand Focused on Embedded Finance Capabilities
- Oct -10 - Green Dot to Announce Third Quarter 2024 Results on November 7th
- Sep -19 - Why You Should Retain Green Dot Stock in Your Portfolio for Now
- Aug -14 - Green Dot (GDOT) Stock Gains 20% Despite Q2 Earnings Miss
- Aug -09 - Green Dot Corporation (GDOT) Q2 2024 Earnings Call Transcript
- Aug -09 - Green Dot (GDOT) Reports Q2 Earnings: What Key Metrics Have to Say
- Aug -09 - Green Dot (GDOT) Q2 Earnings Lag Estimates
- Aug -07 - Stay Ahead of the Game With Green Dot (GDOT) Q2 Earnings: Wall Street's Insights on Key Metrics
- Jul -30 - IOTA Community Schools (Formerly Green Dot Public Schools Tennessee) Chooses Reading Horizons to Boost Student Literacy Outcomes
- Jul -19 - Federal Reserve Fines Green Dot $44 Million, Alleging Unfair Practices
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Business to Business Services
Expected Growth : 6.5 %
What the company do ?
Green Dot Corporation's Business to Business Services provide payment processing and prepaid card solutions to businesses, enabling them to offer customized payment products to their customers.
Why we expect these perspectives ?
Green Dot Corporation's 6.5% growth in Business to Business Services is driven by increasing demand for digital payment solutions, expansion into new industries, and strategic partnerships. Additionally, the company's focus on innovation, customer acquisition, and retention, as well as its ability to adapt to changing market trends, contribute to its growth momentum.
Segment n°2 -> Consumer Services
Expected Growth : 6.8 %
What the company do ?
Consumer Services from Green Dot Corporation offers prepaid debit cards, checking accounts, and other financial services to individuals and businesses.
Why we expect these perspectives ?
Green Dot Corporation's Consumer Services segment growth of 6.8% is driven by increasing adoption of digital banking and mobile payment solutions, expansion of retail partnerships, and rising demand for prepaid debit cards and reload services. Additionally, strategic investments in technology and marketing initiatives have enhanced customer acquisition and retention, contributing to the segment's growth.
Segment n°3 -> Money Movement Services
Expected Growth : 7.2 %
What the company do ?
Money Movement Services from Green Dot Corporation enables users to load, send, and manage money across various platforms, including prepaid cards and mobile wallets.
Why we expect these perspectives ?
The 7.2% growth in Money Movement Services from Green Dot Corporation is driven by increasing adoption of digital payment solutions, rising demand for prepaid debit cards, and strategic partnerships with fintech companies. Additionally, the company's expansion into new markets, such as the gig economy and cross-border payments, has contributed to the growth.
Segment n°4 -> Reconciling Items
Expected Growth : 6.2 %
What the company do ?
Reconciling Items from Green Dot Corporation refers to the process of identifying and resolving discrepancies between internal financial records and Green Dot's statements, ensuring accurate financial reporting and compliance.
Why we expect these perspectives ?
Green Dot Corporation's 6.2% growth is driven by increasing adoption of digital banking solutions, expansion of its B2B payment services, and strategic partnerships. Additionally, the company's focus on cost savings initiatives and operational efficiencies have contributed to its growth. Furthermore, the rising demand for prepaid debit cards and the growth of the gig economy have also fueled the company's revenue growth.
Segment n°5 -> Corporate and Other
Expected Growth : 6.0 %
What the company do ?
Corporate and Other from Green Dot Corporation refers to the company's non-operating segments, including corporate expenses, interest income, and other non-operating items.
Why we expect these perspectives ?
Green Dot's Corporate and Other segment growth of 6.0% is driven by increasing demand for its digital banking and payment solutions, expansion of its partner network, and strategic investments in technology and innovation. Additionally, the company's focus on cost savings initiatives and operational efficiencies have contributed to the segment's growth.
Green Dot Corporation Products
| Product Range | What is it ? |
|---|---|
| Reloadable Debit Cards | Reloadable debit cards that can be loaded with funds and used to make purchases, pay bills, and get cash at ATMs. |
| Prepaid Cards | Prepaid cards that can be loaded with a specific amount of funds and used to make purchases, pay bills, and get cash at ATMs. |
| Cash Back Rewards | A rewards program that offers cash back on certain purchases made with Green Dot debit cards. |
| Mobile Banking | A mobile banking app that allows users to manage their accounts, deposit checks, and transfer funds on the go. |
| Tax Refund Processing | A service that allows users to have their tax refund direct deposited onto a Green Dot debit card. |
| Money Transfer | A service that allows users to send and receive money transfers using their Green Dot debit card. |
Green Dot Corporation's Porter Forces
Threat Of Substitutes
Green Dot Corporation's prepaid debit cards and banking services have some substitutes, but they are not easily replaceable due to the company's strong brand recognition and customer loyalty.
Bargaining Power Of Customers
Green Dot Corporation's customers have limited bargaining power due to the company's diversified product offerings and lack of dependence on a single customer segment.
Bargaining Power Of Suppliers
Green Dot Corporation has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's scale and negotiating power also help to mitigate supplier bargaining power.
Threat Of New Entrants
The threat of new entrants in the prepaid debit card and banking services industry is low due to the high barriers to entry, including regulatory hurdles and the need for significant capital investments.
Intensity Of Rivalry
The prepaid debit card and banking services industry is highly competitive, with several established players competing for market share. Green Dot Corporation faces intense rivalry from companies such as NetSpend and PayPal.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 7.26% |
| Debt Cost | 9.14% |
| Equity Weight | 92.74% |
| Equity Cost | 9.14% |
| WACC | 9.14% |
| Leverage | 7.83% |
Green Dot Corporation : Quality Control
Green Dot Corporation passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CPSS | Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile … |
| UPST | Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to … |
| PRAA | PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved … |
| LPRO | Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the … |
| OPRT | Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Consumer Portfolio Services
A-Score
1-Year Total Return ->
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Green Dot
A-Score
1-Year Total Return ->
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Oportun Financial
A-Score
1-Year Total Return ->
4
PRA Group
A-Score
1-Year Total Return ->
5
Upstart
A-Score
1-Year Total Return ->
6
