Market Price

74.34 

0.53 0.7%

as of Feb 15 '19

52 Week Range:

59.81 93.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Green Dot Corporation, together with its subsidiaries, operates as a pro-consumer bank holding company that provides personal banking for the masses. It operates through two segments, Account Services and Processing, and Settlement Services. The company offers deposit as account programs, such reloadable prepaid debit cards under the consumer brand names of GPR cards, consumer checking accounts, 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; 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. The company, through its subsidiary, Green Dot Bank, provides prepaid cards, debit cards, checking accounts, secured credit cards, payroll debit cards, consumer cash processing services, wage disbursements, and tax refund processing services, as well as issuing, settlement, and capital management services. In addition, it offers mobile banking, loan disbursement accounts, mobile P2P, money transfer, instant payment, and processing and settlement services. It markets and sells its products and services through approximately 100,000 retail stores, various direct-to-consumer Websites, thousands of tax preparation offices, and various apps available in the 2 app stores, as well as distributes through various enterprise-scale ‘Banking as a Service' partnerships, and Green Dot, a banking franchise in the United States. 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jul '08 Jul '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 2.66
5.55
3.95
6.50
9.11
10.36
9.29
13.15
13.35
14.47
growth rate 44.5% -28.8% 64.6% 40.2% 13.7% -10.3% 41.6% 1.5% 8.4%
Earnings BIT 29.60
23.43
69.63
84.01
76.14
52.50
65.19
57.01
60.96
93.48
growth rate -11.0% 197.2% 20.7% -9.4% -31.1% 24.2% -12.6% 6.9% 53.4%
Avg.PE 108.70
25.51
12.95
32.57
18.28
30.33
36.95
40.96
growth rate -76.5% -49.2% 151.5% -43.9% 65.9% 21.8% 10.9%
ROA 3.79
7.40
7.50
11.76
14.48
5.71
3.25
3.00
2.25
2.38
4.36
growth rate 95.3% 1.4% 56.8% 23.1% -60.6% -43.1% -7.7% -25.0% 5.8% 83.2%
ROE 55.40
19.10
26.88
24.63
11.33
7.12
7.27
5.77
6.06
11.86
growth rate -41.3% 40.7% -8.4% -54.0% -37.2% 2.1% -20.6% 5.0% 95.7%
ROIC 26.69
24.47
10.48
6.53
5.37
4.87
5.35
10.02
growth rate -8.3% -57.2% -37.7% -17.8% -9.3% 9.9% 87.3%
Cur. Ratio 1.30
1.23
2.24
2.08
1.40
1.52
1.21
1.10
1.05
0.99
growth rate -5.4% 35.0% -7.1% -32.7% 8.6% -20.4% -9.1% -4.6% -5.7%
Quick Ratio 0.86
0.61
1.94
1.80
1.21
1.37
1.00
0.97
0.85
0.72
growth rate -29.1% 78.3% -7.2% -32.8% 13.2% -27.0% -3.0% -12.4% -15.3%
Leverage 11.29
1.73
1.68
2.21
2.18
2.58
2.55
2.55
2.87
growth rate -60.9% -2.9% 31.6% -1.4% 18.4% -1.2% 0.0% 12.6%
Balance Sheet Jul '08 Jul '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 14.10
29.16
33.40
51.34
50.31
61.96
207.36
106.13
173.10
235.94
growth rate 43.8% 14.5% 53.7% -2.0% 23.2% 234.7% -48.8% 63.1% 36.3%
Acct.Payable 31.69
107.04
139.98
36.44
37.19
22.86
34.86
growth rate 237.8% 30.8% -74.0% 2.0% -38.5% 52.5%
Cur.Assets 82.00
145.38
249.90
336.60
530.22
666.07
1,009.66
975.29
1,013.44
1,321.21
growth rate 33.2% 71.9% 34.7% 57.5% 25.6% 51.6% -3.4% 3.9% 30.4%
Total Assets 97.20
183.11
285.80
425.86
725.73
875.47
1,614.29
1,691.45
1,740.34
2,197.53
growth rate 37.3% 56.1% 49.0% 70.4% 20.6% 84.4% 4.8% 2.9% 26.3%
Cash 56.30
167.50
223.03
293.59
423.50
724.64
772.13
732.68
919.24
growth rate 197.5% 33.2% 31.6% 44.3% 71.1% 6.6% -5.1% 25.5%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 63.20
104.73
111.50
161.65
379.41
438.85
830.13
888.27
960.80
1,335.98
growth rate 28.7% 6.5% 45.0% 134.7% 15.7% 89.2% 7.0% 8.2% 39.1%
Liabilities 92.80
111.74
120.60
172.66
397.96
473.23
985.30
1,028.13
1,056.61
1,432.98
growth rate 9.7% 7.9% 43.2% 130.5% 18.9% 108.2% 4.4% 2.8% 35.6%
LT Debt 0.00
0.00
0.00
0.00
0.00
121.65
100.69
79.72
58.71
growth rate -17.2% -20.8% -26.4%
Equity 4.50
71.36
165.10
253.20
327.76
402.25
628.99
663.32
683.73
764.55
growth rate 298.2% 131.4% 53.4% 29.5% 22.7% 56.4% 5.5% 3.1% 11.8%
Common Shares 32.00
41.00
12.86
28.00
62.00
36.00
37.00
42.00
52.00
51.00
53.00
growth rate 28.1% -68.6% 117.7% 121.4% -41.9% 2.8% 13.5% 23.8% -1.9% 3.9%
Cash Flow Statement Jul '08 Jul '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 5.12
5.05
13.50
23.08
40.44
35.74
39.34
47.84
43.27
44.14
growth rate -0.7% 167.3% 70.9% 75.3% -11.6% 10.1% 21.6% -9.5% 2.0%
Cash Dividends 0.00 0.00 0.00 0.00 0.00
growth rate
Cash From OA 35.01
26.12
83.50
94.05
102.03
122.51
69.22
156.94
114.52
218.31
growth rate -13.6% 219.7% 12.6% 8.5% 20.1% -43.5% 126.7% -27.0% 90.6%
FCF per Share 1.33
0.93
1.71
1.85
1.04
1.62
1.96
2.48
growth rate -30.1% 83.9% 8.2% -43.8% 55.8% 21.0% 26.5%
Sale Purchase of Stock 6.14
3.55
15.93
9.96
3.83
14.92
24.16
growth rate -42.2% 348.6% -37.5% -61.5% 289.3% 62.0%
FCF 30.00
29.00
21.07
70.00
71.00
62.00
87.00
30.00
109.00
68.00
174.00
growth rate -3.3% -27.3% 232.2% 1.4% -12.7% 40.3% -65.5% 263.3% -37.6% 155.9%
Income Statement Jul '08 Jul '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 168.10
112.76
363.90
467.40
546.29
573.62
610.48
697.22
718.77
890.15
growth rate -18.1% 222.7% 28.4% 16.9% 5.0% 6.4% 14.2% 3.1% 23.8%
Op.Income 29.20
23.31
69.30
52.08
47.22
34.04
65.19
57.01
60.96
93.48
growth rate -10.7% 197.3% -24.8% -9.3% -27.9% 91.5% -12.6% 6.9% 53.4%
IBT 23.43
69.60
84.01
76.14
52.50
68.91
58.12
61.56
103.46
growth rate 197.1% 20.7% -9.4% -31.1% 31.3% -15.7% 5.9% 68.1%
Net Income 17.30
13.66
42.20
52.08
47.22
34.04
42.69
38.42
41.60
85.89
growth rate -11.1% 208.9% 23.4% -9.3% -27.9% 25.4% -10.0% 8.3% 106.5%
EPS 0.26
0.91
0.29
0.98
1.19
1.07
0.76
0.90
0.72
0.80
1.61
growth rate 250.0% -68.1% 237.9% 21.4% -10.1% -29.0% 18.4% -20.0% 11.1% 101.3%
Gross Profit 168.10
112.76
363.90
467.40
546.29
573.62
531.43
595.08
611.22
729.14
growth rate -18.1% 222.7% 28.4% 16.9% 5.0% -7.4% 12.0% 2.7% 19.3%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 13.05
2.86
76.38
27.18
-5.09
growth rate -78.1% 2,571.6% -64.4% -100.0%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 182.56
235.94
206.21
232.76
320.58
growth rate 29.2% -12.6% 12.9% 37.7%
Acct.Payable 26.69
34.86
32.40
39.69
30.21
growth rate 30.6% -7.1% 22.5% -23.9%
Cur.Assets 1,014.41
1,321.21
1,632.70
1,408.74
1,422.86
growth rate 30.2% 23.6% -13.7% 1.0%
Total Assets 1,895.30
2,197.53
2,488.99
2,300.98
2,344.06
growth rate 16.0% 13.3% -7.6% 1.9%
Cash 708.27
919.24
1,268.14
1,117.94
1,037.62
growth rate 29.8% 38.0% -11.8% -7.2%
Inventory
growth rate
Cur.Liabilities 1,058.68
1,335.98
1,560.82
1,347.12
1,374.53
growth rate 26.2% 16.8% -13.7% 2.0%
Liabilities 1,155.28
1,432.98
1,653.69
1,424.27
1,452.33
growth rate 24.0% 15.4% -13.9% 2.0%
LT Debt 63.93
58.71
53.48
48.25
43.03
growth rate -8.2% -8.9% -9.8% -10.8%
Equity 740.02
764.55
835.29
876.71
891.73
growth rate 3.3% 9.3% 5.0% 1.7%
Common Shares 0.05
0.05
0.05
0.05
0.05
growth rate 0.0% 2.0% 0.0% 1.9%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 11.45
11.77
13.39
13.99
16.02
growth rate 2.8% 13.7% 4.5% 14.5%
Cash Dividends
growth rate
Cash From OA 19.64
54.96
88.87
78.82
46.65
growth rate 179.8% 61.7% -11.3% -40.8%
Sale Purchase of Stock 2.19
5.98
7.80
growth rate 173.1% 30.5%
FCF 8.19
43.19
75.48
64.83
30.63
growth rate 427.1% 74.8% -14.1% -52.8%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 201.61
212.99
315.00
258.35
230.58
growth rate 5.6% 47.9% -18.0% -10.8%
Op.Income 13.05
2.86
76.38
27.18
-5.09
growth rate -78.1% 2,571.6% -64.4% -100.0%
IBT 14.29
5.62
80.46
31.34
-0.32
growth rate -60.7% 1,331.2% -61.1% -100.0%
Net Income 13.64
12.23
70.03
29.83
4.57
growth rate -10.4% 472.7% -57.4% -84.7%
EPS
growth rate
Gross Profit 167.59
171.70
266.57
211.99
186.92
growth rate 2.5% 55.3% -20.5% -11.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (89.52)

YOY Growth Grade:

D (48.44)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 34.80 34.80 20.48
EPS / Growth 2.8% 2.14 30.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 24.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.8% 19.0% 19.0%
Future PE 5.60 31.11 31.11
Future EPS 2.82 12.18 12.18
Value Price
MOS %
3.90
-94.8%
93.69
26.0%
93.69
26.0%
MOS Price 1.95 46.84 46.84
IRT 24.14 10.79 10.79

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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