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Intrinsic value of Green Dot Corporation (GDOT)

Previous Close$24.52
Intrinsic Value
Upside potential
Previous Close
$24.52
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh35.54 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company 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, payroll debit cards, and other financial services. It also provides swipe reload services that allow consumers to add funds at the point-of-sale at any participating retailer to accounts the company issue or manage and accounts issued by any third-party bank or program; MoneyPak, a product that allows a consumer to add funds at the point-of-sale at any participating retailer to accounts; and e-cash remittance services that enable 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, 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, and instant payment services. The company markets its products under the Green Dot, GoBank, MoneyPak, TPG, and other brands. Green Dot Corporation markets and sells its products and services through retail stores, various direct-to-consumer online, 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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %14.3NaN
Revenue, $1433NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m1367NaN
Operating income, $m66NaN
EBITDA, $m154NaN
Interest expense (income), $mNaN
Earnings before tax, $m63NaN
Tax expense, $m16NaN
Net income, $m47NaN

BALANCE SHEET

Cash and short-term investments, $m1326NaN
Total assets, $m4725NaN
Adjusted assets (=assets-cash), $m3399NaN
Average production assets, $m626NaN
Working capital, $m-1834NaN
Total debt, $m15NaN
Total liabilities, $m3654NaN
Total equity, $m1071NaN
Debt-to-equity ratio0.014NaN
Adjusted equity ratio-0.073NaN

CASH FLOW

Net income, $m47NaN
Depreciation, amort., depletion, $m87NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m163NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-57NaN
Free cash flow, $m220NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-1834
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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