Financials Green Dot Corporation

Equities

GDOT

US39304D1028

Consumer Lending

Market Closed - Nyse Other stock markets 21:00:02 18/09/2024 BST			5-day change	1st Jan Change
12.53 ^USD	+0.08%		+12.98%	+26.57%

09-06	Green Dot Corporation Completes the Issuance and Sale of Its 8.75% Fixed Rate Senior Notes Due 2029	CI
09-06	Green Dot Closes $45 Million Private Placement of 2029 Notes	MT

Projected Income Statement: Green Dot Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025
Net sales ¹	1,109	1,201	1,388	1,424	1,484	1,666	1,799
Change	-	8.29%	15.61%	2.57%	4.23%	12.31%	7.98%
EBITDA ¹	240.6	205.8	217	238.8	170.9	172.2	191
Change	-	-14.45%	5.42%	10.04%	-28.43%	0.78%	10.94%
EBIT ¹	122.9	30.07	66.47	94.38	22.67	6.185	58.58
Change	-	-75.53%	121.04%	41.97%	-75.98%	-72.72%	847.26%
Interest Paid ¹	-1.837	-0.761	-0.15	-0.255	-3.027	-4.053	-3.589
Earnings before Tax (EBT) ¹	121.1	28.1	63.7	83.92	14.63	-9.959	54.11
Change	-	-76.8%	126.73%	31.74%	-82.56%	-	-
Net income ¹	99.9	23.13	47.48	64.21	6.722	-14.53	41.58
Change	-	-76.85%	105.27%	35.24%	-89.53%	-	-
Announcement Date	19/02/20	22/02/21	24/02/22	23/02/23	27/02/24	-	-

¹USD in Million

Estimates

Fiscal Period: December	2019 Q3	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	240.4	249.3	346.5	300	279.4	274.5	379.8	357.9	328.9	321.2	394.7	355.1	337.2	336.6	412.4	361.1	348.6	361.7	447.4	402.6	391.6	422.5	494.1	442.1	444.6	474.4
Change	-	3.68%	39%	-13.42%	-6.86%	-1.76%	38.35%	-5.76%	-8.11%	-2.35%	22.87%	-10.03%	-5.04%	-0.17%	22.5%	-12.42%	-3.48%	3.77%	23.69%	-10.03%	-2.73%	7.91%	16.94%	-10.53%	0.55%	6.72%
EBITDA ¹	25.14	21.82	92.12	45.25	33.69	34.76	73.36	62.92	46.25	34.43	90.33	67.55	45.49	35.39	82.54	38.87	23.74	25.73	59.23	34	34.44	44.64	66.44	46.63	30.03	43.74
Change	-	-13.17%	322.09%	-50.88%	-25.55%	3.16%	111.08%	-14.23%	-26.5%	-25.54%	162.32%	-25.22%	-32.65%	-22.21%	133.26%	-52.91%	-38.94%	8.39%	130.23%	-42.6%	1.3%	29.6%	48.85%	-29.81%	-35.6%	45.66%
EBIT ¹	-2.187	-0.243	58.85	5.39	-2.65	-31.52	33.98	31.8	8.83	-8.144	51.59	23.94	10.76	8.079	51	4.786	-6.839	-26.27	10.55	-23.67	0.5452	15.19	31.65	15.6	-4.273	10.76
Change	-	-88.89%	-	-90.84%	-	1,089.28%	-	-6.42%	-72.24%	-	-	-53.6%	-55.03%	-24.95%	531.2%	-90.61%	-	284.15%	-	-	-	2,685.05%	108.44%	-50.7%	-	-
Charge d'intérêts ¹	-0.112	-0.089	-0.049	-0.443	-0.039	-0.038	-0.037	-0.038	-0.038	-0.037	-0.087	-0.029	-0.027	-0.112	-1.644	-0.238	-0.239	-0.906	-1.457	-1.272	-0.7522	-0.7522	-0.6537	-0.6537	-0.6537	-0.6537
Earnings before Tax (EBT) ¹	-2.299	-0.332	58.8	7.101	-4.339	-33.47	32.86	33.4	9.641	-12.2	50.74	19.87	6.489	6.825	46.33	2.324	-7.88	-26.14	7.287	-29.47	-1.179	13.44	31.19	15.14	-4.739	10.3
Change	-	-85.56%	-	-87.92%	-	671.31%	-	1.63%	-71.13%	-	-	-60.83%	-67.35%	5.18%	578.78%	-94.98%	-	231.7%	-	-	96%	-	132.11%	-51.46%	-	-
Net income ¹	-0.531	1.693	46.84	3.294	-2.992	-24.02	25.74	24.93	7.335	-10.52	38.62	15.01	4.696	5.884	36.01	0.578	-6.265	-23.6	4.75	-28.72	-0.9222	10.35	23.93	11.65	-3.638	7.963
Change	-	-	2,666.98%	-92.97%	-	702.67%	-	-3.12%	-70.58%	-	-	-61.14%	-68.71%	25.3%	512.03%	-98.39%	-	276.74%	-	-	96.79%	-	131.27%	-51.32%	-	-
Announcement Date	07/11/19	19/02/20	11/05/20	04/08/20	04/11/20	22/02/21	05/05/21	03/08/21	04/11/21	24/02/22	05/05/22	04/08/22	09/11/22	23/02/23	04/05/23	03/08/23	09/11/23	27/02/24	09/05/24	08/08/24	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Green Dot Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025
Net Debt	-1,038	-1,492	-	-	-	-	-
Change	-	-243.74%	-	-	-	-	-
Announcement Date	19/02/20	22/02/21	24/02/22	23/02/23	27/02/24	-	-

Estimates

Cash Flow Forecast: Green Dot Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025
CAPEX ¹	78.21	59.04	57.43	84.33	75.94	63.88	69.53
Change	-	-24.52%	-2.72%	46.83%	-9.94%	-15.88%	8.83%
Free Cash Flow (FCF) ¹	111.7	150.1	105.1	193.4	21.58	82.55	74.11
Change	-	34.42%	-30%	83.98%	-88.84%	282.57%	-10.22%
Announcement Date	19/02/20	22/02/21	24/02/22	23/02/23	27/02/24	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: Green Dot Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025
Profitability
EBITDA Margin (%)	21.7%	17.14%	15.63%	16.77%	11.52%	10.33%	10.62%
EBIT Margin (%)	11.09%	2.5%	4.79%	6.63%	1.53%	0.37%	3.26%
EBT Margin (%)	10.92%	2.34%	4.59%	5.89%	0.99%	-0.6%	3.01%
Net margin (%)	9.01%	1.93%	3.42%	4.51%	0.45%	-0.87%	2.31%
FCF margin (%)	10.08%	12.51%	7.57%	13.58%	1.45%	4.95%	4.12%
FCF / Net Income (%)	111.82%	649.1%	221.36%	301.13%	320.99%	-568.02%	178.25%
Profitability
ROA	6.25%	3.49%	2.78%	2.94%	1.77%	1.44%	1.62%
ROE	16.14%	11.86%	11.83%	15.12%	10.39%	8.9%	9.9%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	7.06%	4.92%	4.14%	5.92%	5.12%	3.83%	3.86%
CAPEX / EBITDA (%)	32.51%	28.68%	26.47%	35.32%	44.44%	37.1%	36.39%
CAPEX / FCF (%)	70.02%	39.32%	54.64%	43.61%	351.96%	77.39%	93.81%
Items per share
Cash flow per share ¹	3.574	3.896	-	-	-	-	-
Change	-	9.02%	-	-	-	-	-
Dividend per Share ¹	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-
Book Value Per Share ¹	17.9	18.69	19.51	-	16.27	17.21	19.72
Change	-	4.41%	4.41%	-	-	5.77%	14.58%
EPS ¹	1.88	0.42	0.85	1.19	0.13	-0.27	0.76
Change	-	-77.66%	102.38%	40%	-89.08%	-307.69%	-381.48%
Nbr of stocks (in thousands)	51,497	53,480	54,683	52,569	52,452	53,716	53,716
Announcement Date	19/02/20	22/02/21	24/02/22	23/02/23	27/02/24	-	-