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Green Dot

DB:5GN
Snowflake Description

Excellent balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
5GN
DB
$1B
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

Green Dot Corporation operates as a financial technology and bank holding company in the United States. The last earnings update was 37 days ago. More info.


Add to Portfolio Compare Print
  • Green Dot has significant price volatility in the past 3 months.
5GN Share Price and Events
7 Day Returns
4.6%
DB:5GN
-3.3%
Europe Consumer Finance
4.3%
DE Market
1 Year Returns
-59.6%
DB:5GN
-50.1%
Europe Consumer Finance
-14.2%
DE Market
5GN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Green Dot (5GN) 4.6% -10.6% 2.7% -59.6% -28.2% 39.2%
Europe Consumer Finance -3.3% -33.2% -42.7% -50.1% -65.8% -65.8%
DE Market 4.3% -9% -21.6% -14.2% -19.6% -25.6%
1 Year Return vs Industry and Market
  • 5GN underperformed the Consumer Finance industry which returned -50.1% over the past year.
  • 5GN underperformed the Market in Germany which returned -14.2% over the past year.
Price Volatility
5GN
Industry
5yr Volatility vs Market

Value

 Is Green Dot 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 Green Dot 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 Green Dot.

DB:5GN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $20.03 * 12.8%
$2.57
Book Value of Equity per Share Weighted future Book Value estimates from 3 analysts. $20.03
Discount Rate (Cost of Equity) See below 4%
Perpetual Growth Rate 10-Year DE Government Bond Rate -0.4%

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 DB:5GN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate -0.4%
Equity Risk Premium S&P Global 5.4%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.64
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.639 (1 + (1- 21%) (5.3%))
0.776
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= -0.39% + (0.8 * 5.44%)
3.96%

Discounted Cash Flow Calculation for DB:5GN using Excess Returns Model Model

The calculations below outline how an intrinsic value for Green Dot 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.

DB:5GN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (12.8% – 3.96%) * $20.03)
$1.78
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $1.78 / (3.96% - -0.39%)
$40.82
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $20.03 + $40.82
$60.85
DB:5GN Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:5GN represents 0.90286x of NYSE:GDOT
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.90286x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (USD) x Listing Adjustment Factor
= $ 60.85 x 0.90286
€54.94
Value per share (EUR) From above. €54.94
Current discount Discount to share price of €22.12
= -1 x (€22.12 - €54.94) / €54.94
59.7%

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

Current Discount
Amount off the current price Green Dot is available for.
Intrinsic value
>50%
Share price is €22.12 vs Future cash flow value of €54.94
Current Discount Checks
For Green Dot to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Green Dot's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Green Dot's share price is below the future cash flow value, and at a substantial discount (> 40%).
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 Green Dot's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Green Dot's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:5GN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $1.91
NYSE:GDOT Share Price ** NYSE (2020-04-07) in USD $24.5
Europe Consumer Finance Industry PE Ratio Median Figure of 27 Publicly-Listed Consumer Finance Companies 5.55x
Germany Market PE Ratio Median Figure of 402 Publicly-Listed Companies 17.07x

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

** Primary Listing of Green Dot.

DB:5GN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

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

= 24.5 ÷ 1.91

12.8x

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

  • Green Dot is overvalued based on earnings compared to the Europe Consumer Finance industry average.
  • Green Dot is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Green Dot's expected growth come at a high price?
Raw Data
DB:5GN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12.8x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts
-2.5%per year
Europe Consumer Finance Industry PEG Ratio Median Figure of 19 Publicly-Listed Consumer Finance Companies 0.47x
Germany Market PEG Ratio Median Figure of 256 Publicly-Listed Companies 1.24x

*Line of best fit is calculated by linear regression .

DB:5GN PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12.8x ÷ -2.5%

-5.12x

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

  • Green Dot earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Green Dot's assets?
Raw Data
DB:5GN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $17.90
NYSE:GDOT Share Price * NYSE (2020-04-07) in USD $24.5
Europe Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 0.7x
Germany Market PB Ratio Median Figure of 573 Publicly-Listed Companies 1.47x
DB:5GN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 24.5 ÷ 17.90

1.37x

* Primary Listing of Green Dot.

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

  • Green Dot is overvalued based on assets compared to the Europe Consumer Finance industry average.
X
Value checks
We assess Green Dot'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 Consumer Finance 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 Consumer Finance industry average (and greater than 0)? (1 check)
  5. Green Dot 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.

Future Performance

 How is Green Dot expected to perform in the next 1 to 3 years based on estimates from 12 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
-2.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Green Dot expected to grow at an attractive rate?
  • Green Dot's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of -0.4%.
Growth vs Market Checks
  • Green Dot's earnings are expected to decrease over the next 1-3 years, this is below the Germany market average.
  • Green Dot's revenue growth is positive but not above the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:5GN Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:5GN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts -2.5%
DB:5GN Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 12 Analysts 2%
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 12.5%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 9.2%
Germany Market Earnings Growth Rate Market Cap Weighted Average 14.1%
Germany Market Revenue Growth Rate Market Cap Weighted Average 3.9%

*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
DB:5GN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:5GN Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-12-31 1,213 147 1
2021-12-31 1,147 0 69 9
2020-12-31 1,067 375 37 12
2020-04-08
DB:5GN Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 1,109 190 100
2019-09-30 1,081 241 112
2019-06-30 1,076 250 118
2019-03-31 1,062 278 113
2018-12-31 1,066 251 119
2018-09-30 1,033 269 117
2018-06-30 999 242 126
2018-03-31 957 212 115
2017-12-31 901 218 86
2017-09-30 840 176 73
2017-06-30 793 167 61
2017-03-31 744 138 50

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Green Dot's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Green Dot's revenue is expected to grow by 2% 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
DB:5GN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below

All data from Green Dot Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:5GN Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-12-31 3.02 3.02 3.02 1.00
2021-12-31 1.27 1.84 0.96 4.00
2020-12-31 0.68 1.08 0.44 7.00
2020-04-08
DB:5GN Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 1.91
2019-09-30 2.14
2019-06-30 2.23
2019-03-31 2.14
2018-12-31 2.27
2018-09-30 2.25
2018-06-30 2.45
2018-03-31 2.27
2017-12-31 1.70
2017-09-30 1.44
2017-06-30 1.22
2017-03-31 1.00

*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.
  • Green Dot is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Green Dot'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 Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe 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.
Green Dot has a total score of 0/6, 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.

Past Performance

  How has Green Dot 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 Green Dot's growth in the last year to its industry (Consumer Finance).
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.
  • Green Dot has delivered over 20% year on year earnings growth in the past 5 years.
  • Green Dot's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Green Dot's 1-year earnings growth is negative, it can't be compared to the Europe Consumer Finance industry average.
Earnings and Revenue History
Green Dot'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 Green Dot Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:5GN Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 1,108.60 99.90 786.29
2019-09-30 1,080.58 112.48 770.90
2019-06-30 1,076.46 117.58 753.92
2019-03-31 1,061.93 112.72 753.58
2018-12-31 1,065.58 118.70 736.28
2018-09-30 1,033.46 116.66 718.85
2018-06-30 998.74 125.73 698.37
2018-03-31 957.49 115.16 675.17
2017-12-31 901.12 85.89 639.16
2017-09-30 839.93 72.61 606.67
2017-06-30 792.81 61.14 577.95
2017-03-31 743.75 49.64 555.92
2016-12-31 718.77 40.80 550.26
2016-09-30 706.93 35.95 553.23
2016-06-30 698.80 33.98 550.75
2016-03-31 696.17 29.64 542.90
2015-12-31 697.22 37.29 538.07
2015-09-30 699.29 43.16 525.81
2015-06-30 699.72 55.14 512.92
2015-03-31 677.90 64.23 491.21
2014-12-31 610.48 37.50 466.24
2014-09-30 602.36 38.47 455.25
2014-06-30 594.70 31.38 448.39
2014-03-31 588.24 28.14 444.57
2013-12-31 582.34 28.04 438.14
2013-09-30 576.03 34.41 427.03
2013-06-30 570.86 37.41 420.25

*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.
  • Green Dot has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Green Dot used its assets less efficiently than the Europe Consumer Finance industry average last year based on Return on Assets.
  • Green Dot has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Green Dot'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 Consumer Finance 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.
Green Dot 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.

Health

 How is Green Dot'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 Green Dot's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Green Dot's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Green Dot's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Green Dot'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 40.8x 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 Green Dot Company Filings, last reported 3 months ago.

DB:5GN Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 927.36 35.38 1,073.45
2019-09-30 927.18 0.56 876.30
2019-06-30 921.91 0.54 1,116.52
2019-03-31 978.72 1.37 1,696.45
2018-12-31 909.81 60.39 1,114.69
2018-09-30 891.73 66.21 1,052.56
2018-06-30 876.71 70.98 1,132.94
2018-03-31 835.29 75.62 1,284.01
2017-12-31 764.55 80.98 931.13
2017-09-30 740.02 86.14 730.60
2017-06-30 718.24 91.28 625.60
2017-03-31 684.03 146.55 810.44
2016-12-31 683.73 101.90 779.36
2016-09-30 674.46 107.55 636.88
2016-06-30 664.12 112.70 619.03
2016-03-31 695.92 117.88 795.84
2015-12-31 663.32 122.72 821.24
2015-09-30 664.27 134.11 687.54
2015-06-30 698.25 140.47 841.10
2015-03-31 687.41 146.77 909.21
2014-12-31 628.99 143.84 771.29
2014-09-30 475.27 0.85 769.29
2014-06-30 451.99 0.54 772.17
2014-03-31 426.10 0.17 850.85
2013-12-31 402.25 49.93 539.78
2013-09-30 390.82 52.26 468.21
2013-06-30 367.87 52.14 510.74
  • Green Dot's level of debt (3.8%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (22.9% vs 3.8% today).
  • Debt is well covered by operating cash flow (536.8%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 66.2x coverage).
X
Financial health checks
We assess Green Dot'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. Green Dot has a total score of 5/6, 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.

Dividends

 What is Green Dot'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 Green Dot dividends. Estimated to be 0% next year.
If you bought €2,000 of Green Dot 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 Green Dot's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Green Dot'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
DB:5GN 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 12 Analyst Estimates (S&P Global) See Below
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 17 Stocks 6.5%
Germany Market Average Dividend Yield Market Cap Weighted Average of 314 Stocks 3.6%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.6%
Germany Top 25% Dividend Yield 75th Percentile 4.6%

Industry and Market average data is calculated daily.

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

DB:5GN Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2022-12-31 0.00 1.00
2021-12-31 0.00 1.00
2020-12-31 0.00 1.00
2020-04-08

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

  • Unable to perform a dividend volatility check as Green Dot has not reported any payouts.
  • Unable to verify if Green Dot's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Green Dot's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Green Dot has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of Green Dot's dividends in 3 years as they are not expected to pay a notable one for Germany.
X
Income/ dividend checks
We assess Green Dot'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 Green Dot afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Green Dot 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.

Management

 What is the CEO of Green Dot'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
Dan Henry
AGE 53
TENURE AS CEO 0.1 years
CEO Bio

Mr. Daniel R. Henry, also known as Dan, serves as Chief Executive Officer, President and Director at Green Dot Corporation since March 25, 2020. He has been Chairman of the Board at 3Pea International, Inc., since May 2018. He serves as Director of CARD Corporation. He has been an Independent Director at The Brink's Company since October 21, 2017. He served as the Chief Executive Officer at Netspend Holdings, Inc. since February 2008 and President since January 2008. He joined Netspend in January 2008. Mr. Henry served as Chief Executive Officer of NetSpend Corporation since February 2008 until 2014. He served as the Chief Operating Officer of Euronet Essentis Ltd. He co-founded Euronet Worldwide, Inc. He served as Chief Operating Officer and President of Euronet Worldwide, Inc. from 1994 to December 31, 2006. He founded the predecessor of Euronet in 1994 and oversaw its daily operations including Euronet Worldwide, Inc. Prior to joining Euronet Worldwide Inc., Mr. Henry served as a Commercial Real Estate Broker for five years in the Kansas City metropolitan area where he specialized in the development and leasing of premier office properties. He has enjoyed several decades of success in the payments industry. Today, along with other former payments industry Chief Executive Officers, he is backing several entrepreneurial ventures in the payments world. He had been a Director of Clearent, LLC since July 2015 until April 2019. He has been a Director of Netspend Holdings, Inc. since June 2007. He serves as a Director at EML Payments US LLC. He served as a Director of NetSpend Corporation. He served as a Director of Euronet Worldwide, Inc., from December 1996 to February 6, 2008. Mr. Henry received a B.S. in Business Administration with majors in Finance, Economics and Real Estate from the University of Missouri, Columbia in 1988.

CEO Compensation
  • Insufficient data for Dan to compare compensation growth.
  • Insufficient data for Dan to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Green Dot management team in years:

2.6
Average Tenure
53
Average Age
  • The tenure for the Green Dot management team is about average.
Management Team

Kuan Archer

TITLE
President & Chief Product and Technology Officer
COMPENSATION
$2M
AGE
46
TENURE
1.2 yrs

Steve Streit

TITLE
Founder & Chief Innovation Officer
COMPENSATION
$6M
AGE
57
TENURE
21.3 yrs

John Ricci

TITLE
General Counsel & Secretary
COMPENSATION
$2M
AGE
53
TENURE
15.8 yrs

Dan Henry

TITLE
CEO, President & Director
AGE
53
TENURE
0.1 yrs

Jess Unruh

TITLE
Interim CFO
TENURE
0.3 yrs

Rob Strub

TITLE
Chief Operating Officer
TENURE
1.2 yrs

Dara Dierks

TITLE
Investor Relations

Jason Bibelheimer

TITLE
Chief Human Resources Officer
AGE
43
TENURE
2.6 yrs

Jeff Ross

TITLE
Senior VP and BSA/AML/OFAC Officer
TENURE
11.8 yrs

Brooke Lais

TITLE
Chief Brand Officer
TENURE
2.6 yrs
Board of Directors Tenure

Average tenure and age of the Green Dot board of directors in years:

4
Average Tenure
67.5
Average Age
  • The tenure for the Green Dot board of directors is about average.
Board of Directors

Bill Jacobs

TITLE
Chairman of Board
COMPENSATION
$487K
AGE
77
TENURE
3.8 yrs

Dan Henry

TITLE
CEO, President & Director
AGE
53
TENURE
0.1 yrs

George Shaheen

TITLE
Independent Director
COMPENSATION
$447K
AGE
75
TENURE
6.6 yrs

Glinda Bridgforth Hodges

TITLE
Independent Director
COMPENSATION
$427K
AGE
66
TENURE
5.3 yrs

Chris Brewster

TITLE
Director
COMPENSATION
$467K
AGE
69
TENURE
4 yrs

Raj Date

TITLE
Independent Director
COMPENSATION
$220K
AGE
48
TENURE
4 yrs

Kenneth Aldrich

TITLE
Independent Director
COMPENSATION
$205K
AGE
80
TENURE
19.3 yrs

Nino Fanlo

TITLE
Independent Director
COMPENSATION
$415K
AGE
58
TENURE
3.9 yrs

Jeff Osher

TITLE
Director
TENURE
0.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
03. Feb 20 Sell Starboard Value LP Company 13. Dec 19 26. Dec 19 -1,075,000 €23.75 €-25,534,201
03. Feb 20 Buy Starboard Value LP Company 11. Dec 19 31. Jan 20 4,753,762 €27.03 €128,480,292
30. May 19 Sell Glinda Bridgforth Hodges Individual 29. May 19 29. May 19 -6,787 €42.62 €-289,240
30. May 19 Sell Rajeev Date Individual 28. May 19 28. May 19 -1,736 €43.24 €-75,066
24. May 19 Sell Brett Narlinger Individual 24. May 19 24. May 19 -5,532 €43.60 €-241,209
X
Management checks
We assess Green Dot'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. Green Dot 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.

News

Simply Wall St News

Company Info

Description

Green Dot Corporation operates as a financial technology and bank holding company in the United States. It operates in two segments, Account Services, and Processing and Settlement Services. The company offers deposit account programs, such network-branded reloadable prepaid debit cards under the consumer brand names of GPR cards, consumer and small business checking accounts, network-branded gift cards, secured credit cards, and other financial services. It also provides swipe reload system for crediting cash onto an enabled payment card by swiping the payment card at the point-of-sale through Green Dot Network participating retailer; MoneyPak, a product that allows a consumer to add funds to accounts; and e-cash remittance, a service that allows a consumer to transfer funds to a smartphone, as well as offers disbursement services through Simply Paid platform. In addition, the company offers prepaid cards, debit cards, payroll debit cards, consumer cash processing services, wage disbursements, and tax refund processing services, as well as issuing, settlement, and capital management services. Further, it provides mobile banking, loan disbursement accounts, mobile P2P, money transfer, instant payment, and processing and settlement services. The company markets its products under the brand names of Green Dot, GoBank, MoneyPak, AccountNow, RushCard, and RapidPay. Green Dot Corporation markets and sells its products and services through retail stores, various direct-to-consumer Websites, corporate distribution partnerships, tax preparation companies and individual tax preparers, and apps, as well as distributes through ‘Banking as a Service’ platform. The company was formerly known as Next Estate Communications, Inc. and changed its name to Green Dot Corporation in October 2005. Green Dot Corporation was incorporated in 1999 and is headquartered in Pasadena, California.

Details
Name: Green Dot Corporation
5GN
Exchange: DB
Founded: 1999
$1,187,436,723
52,784,584
Website: http://www.greendot.com
Address: Green Dot Corporation
3465 East Foothill Boulevard,
Pasadena,
California, 91107,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE GDOT Class A Common Stock New York Stock Exchange US USD 22. Jul 2010
DB 5GN Class A Common Stock Deutsche Boerse AG DE EUR 22. Jul 2010
LSE 0J0N Class A Common Stock London Stock Exchange GB USD 22. Jul 2010
BRSE 5GN Class A Common Stock Berne Stock Exchange CH CHF 22. Jul 2010
Number of employees
Current staff
Staff numbers
1,200
Green Dot employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/08 03:31
End of day share price update: 2020/04/07 00:00
Last estimates confirmation: 2020/04/07
Last earnings filing: 2020/03/02
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


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.