Intrinsic value of Green Dot Cl A - GDOT

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$34.29

  Intrinsic Value

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  Rating & Target

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  Value-price divergence*

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Previous close

$34.29

 
Intrinsic value

$25.68

 
Up/down potential

-25%

 
Rating

sell

 
Value-price divergence* premium content

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Our model is not good at valuating stocks of financial companies, such as GDOT.

*Intrinsic value change (in %) minus stock price change (in %) in the past 12 months.

We calculate the intrinsic value of GDOT stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2016), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 1.7

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
2016(a)
   2017
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  3.45
  7.90
  7.61
  7.35
  7.11
  6.90
  6.71
  6.54
  6.39
  6.25
  6.12
  6.01
  5.91
  5.82
  5.74
  5.66
  5.60
  5.54
  5.48
  5.44
  5.39
  5.35
  5.32
  5.29
  5.26
  5.23
  5.21
  5.19
  5.17
  5.15
  5.14
Revenue, $m
  719
  776
  835
  896
  960
  1,026
  1,095
  1,167
  1,241
  1,319
  1,400
  1,484
  1,571
  1,663
  1,758
  1,858
  1,962
  2,070
  2,184
  2,303
  2,427
  2,557
  2,693
  2,835
  2,984
  3,140
  3,304
  3,475
  3,655
  3,843
  4,040
Variable operating expenses, $m
 
  643
  688
  735
  785
  836
  889
  944
  1,001
  1,061
  1,123
  1,143
  1,210
  1,281
  1,354
  1,431
  1,511
  1,595
  1,682
  1,774
  1,869
  1,969
  2,074
  2,184
  2,298
  2,419
  2,545
  2,677
  2,815
  2,960
  3,112
Fixed operating expenses, $m
 
  58
  60
  61
  63
  64
  66
  68
  69
  71
  73
  75
  77
  79
  81
  83
  85
  87
  89
  91
  93
  96
  98
  101
  103
  106
  108
  111
  114
  117
  120
Total operating expenses, $m
  655
  701
  748
  796
  848
  900
  955
  1,012
  1,070
  1,132
  1,196
  1,218
  1,287
  1,360
  1,435
  1,514
  1,596
  1,682
  1,771
  1,865
  1,962
  2,065
  2,172
  2,285
  2,401
  2,525
  2,653
  2,788
  2,929
  3,077
  3,232
Operating income, $m
  63
  75
  87
  99
  113
  126
  140
  155
  171
  187
  203
  266
  284
  303
  323
  344
  366
  389
  413
  438
  464
  492
  520
  551
  582
  616
  651
  687
  726
  766
  809
EBITDA, $m
  125
  130
  143
  156
  170
  184
  199
  215
  231
  249
  266
  285
  304
  325
  346
  368
  391
  415
  441
  467
  495
  524
  555
  587
  620
  656
  693
  732
  772
  815
  860
Interest expense (income), $m
  8
  3
  4
  4
  5
  6
  7
  8
  9
  10
  11
  13
  14
  15
  16
  18
  19
  21
  22
  24
  26
  27
  29
  31
  33
  35
  38
  40
  42
  45
  48
Earnings before tax, $m
  62
  72
  83
  95
  107
  120
  133
  147
  161
  176
  192
  253
  271
  288
  307
  326
  347
  368
  391
  414
  439
  464
  491
  519
  549
  580
  613
  647
  683
  721
  761
Tax expense, $m
  20
  19
  22
  26
  29
  32
  36
  40
  44
  48
  52
  68
  73
  78
  83
  88
  94
  99
  105
  112
  118
  125
  133
  140
  148
  157
  165
  175
  184
  195
  205
Net income, $m
  42
  53
  61
  69
  78
  88
  97
  107
  118
  129
  140
  185
  197
  211
  224
  238
  253
  269
  285
  302
  320
  339
  359
  379
  401
  424
  447
  472
  499
  526
  555

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  779
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  1,740
  1,037
  1,116
  1,198
  1,283
  1,372
  1,464
  1,560
  1,659
  1,763
  1,871
  1,984
  2,101
  2,223
  2,351
  2,484
  2,623
  2,768
  2,920
  3,078
  3,244
  3,418
  3,600
  3,790
  3,989
  4,198
  4,417
  4,646
  4,886
  5,138
  5,401
Adjusted assets (=assets-cash), $m
  961
  1,037
  1,116
  1,198
  1,283
  1,372
  1,464
  1,560
  1,659
  1,763
  1,871
  1,984
  2,101
  2,223
  2,351
  2,484
  2,623
  2,768
  2,920
  3,078
  3,244
  3,418
  3,600
  3,790
  3,989
  4,198
  4,417
  4,646
  4,886
  5,138
  5,401
Revenue / Adjusted assets
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
  0.748
Average production assets, $m
  81
  87
  94
  100
  108
  115
  123
  131
  139
  148
  157
  166
  176
  186
  197
  208
  220
  232
  245
  258
  272
  286
  302
  318
  334
  352
  370
  389
  409
  430
  453
Working capital, $m
  52
  36
  38
  41
  44
  47
  50
  54
  57
  61
  64
  68
  72
  76
  81
  85
  90
  95
  100
  106
  112
  118
  124
  130
  137
  144
  152
  160
  168
  177
  186
Total debt, $m
  839
  102
  127
  152
  178
  206
  234
  263
  294
  326
  359
  394
  430
  468
  507
  548
  591
  636
  682
  731
  782
  836
  892
  950
  1,012
  1,076
  1,143
  1,214
  1,288
  1,365
  1,447
Total liabilities, $m
  1,057
  319
  344
  369
  395
  423
  451
  480
  511
  543
  576
  611
  647
  685
  724
  765
  808
  853
  899
  948
  999
  1,053
  1,109
  1,167
  1,229
  1,293
  1,360
  1,431
  1,505
  1,582
  1,664
Total equity, $m
  684
  718
  772
  829
  888
  949
  1,013
  1,079
  1,148
  1,220
  1,295
  1,373
  1,454
  1,538
  1,627
  1,719
  1,815
  1,915
  2,020
  2,130
  2,245
  2,365
  2,491
  2,623
  2,761
  2,905
  3,056
  3,215
  3,381
  3,555
  3,738
Total liabilities and equity, $m
  1,741
  1,037
  1,116
  1,198
  1,283
  1,372
  1,464
  1,559
  1,659
  1,763
  1,871
  1,984
  2,101
  2,223
  2,351
  2,484
  2,623
  2,768
  2,919
  3,078
  3,244
  3,418
  3,600
  3,790
  3,990
  4,198
  4,416
  4,646
  4,886
  5,137
  5,402
Debt-to-equity ratio
  1.227
  0.140
  0.160
  0.180
  0.200
  0.220
  0.230
  0.240
  0.260
  0.270
  0.280
  0.290
  0.300
  0.300
  0.310
  0.320
  0.330
  0.330
  0.340
  0.340
  0.350
  0.350
  0.360
  0.360
  0.370
  0.370
  0.370
  0.380
  0.380
  0.380
  0.390
Adjusted equity ratio
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692
  0.692

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  42
  53
  61
  69
  78
  88
  97
  107
  118
  129
  140
  185
  197
  211
  224
  238
  253
  269
  285
  302
  320
  339
  359
  379
  401
  424
  447
  472
  499
  526
  555
Depreciation, amort., depletion, $m
  62
  55
  56
  57
  57
  58
  59
  60
  61
  62
  63
  19
  20
  21
  22
  24
  25
  26
  28
  29
  31
  33
  34
  36
  38
  40
  42
  44
  47
  49
  51
Funds from operations, $m
  12
  107
  116
  126
  136
  146
  156
  167
  179
  191
  203
  204
  217
  232
  246
  262
  278
  295
  313
  332
  351
  371
  393
  415
  439
  464
  490
  517
  545
  575
  607
Change in working capital, $m
  -100
  3
  3
  3
  3
  3
  3
  3
  3
  4
  4
  4
  4
  4
  4
  5
  5
  5
  5
  5
  6
  6
  6
  7
  7
  7
  8
  8
  8
  9
  9
Cash from operations, $m
  112
  106
  114
  123
  133
  143
  153
  164
  175
  187
  199
  200
  213
  227
  242
  257
  273
  290
  308
  326
  345
  365
  387
  409
  432
  456
  482
  509
  537
  567
  598
Maintenance CAPEX, $m
  0
  -9
  -10
  -11
  -11
  -12
  -13
  -14
  -15
  -16
  -17
  -18
  -19
  -20
  -21
  -22
  -24
  -25
  -26
  -28
  -29
  -31
  -33
  -34
  -36
  -38
  -40
  -42
  -44
  -47
  -49
New CAPEX, $m
  -43
  -6
  -7
  -7
  -7
  -7
  -8
  -8
  -8
  -9
  -9
  -9
  -10
  -10
  -11
  -11
  -12
  -12
  -13
  -13
  -14
  -15
  -15
  -16
  -17
  -17
  -18
  -19
  -20
  -21
  -22
Cash from investing activities, $m
  -78
  -15
  -17
  -18
  -18
  -19
  -21
  -22
  -23
  -25
  -26
  -27
  -29
  -30
  -32
  -33
  -36
  -37
  -39
  -41
  -43
  -46
  -48
  -50
  -53
  -55
  -58
  -61
  -64
  -68
  -71
Free cash flow, $m
  34
  91
  97
  106
  114
  123
  132
  142
  152
  163
  174
  173
  185
  197
  210
  224
  238
  253
  269
  285
  302
  320
  339
  359
  379
  401
  424
  448
  473
  499
  527
Issuance/(repayment) of debt, $m
  -23
  23
  24
  25
  26
  27
  28
  29
  31
  32
  33
  35
  36
  38
  39
  41
  43
  45
  47
  49
  51
  53
  56
  59
  61
  64
  67
  71
  74
  78
  81
Issuance/(repurchase) of shares, $m
  -44
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  -73
  23
  24
  25
  26
  27
  28
  29
  31
  32
  33
  35
  36
  38
  39
  41
  43
  45
  47
  49
  51
  53
  56
  59
  61
  64
  67
  71
  74
  78
  81
Total cash flow (excl. dividends), $m
  -39
  114
  122
  131
  140
  150
  161
  171
  183
  195
  207
  207
  221
  235
  250
  265
  281
  298
  315
  334
  353
  373
  395
  417
  441
  465
  491
  518
  547
  577
  608
Retained Cash Flow (-), $m
  -21
  -53
  -55
  -57
  -59
  -61
  -64
  -66
  -69
  -72
  -75
  -78
  -81
  -85
  -88
  -92
  -96
  -100
  -105
  -110
  -115
  -120
  -126
  -132
  -138
  -144
  -151
  -159
  -166
  -174
  -183
Prev. year cash balance distribution, $m
 
  19
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
 
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash available for distribution, $m
 
  81
  67
  74
  81
  89
  97
  105
  114
  123
  132
  130
  140
  150
  161
  173
  185
  197
  210
  224
  238
  253
  269
  285
  303
  321
  340
  360
  380
  402
  425
Discount rate, %
 
  4.30
  4.52
  4.74
  4.98
  5.23
  5.49
  5.76
  6.05
  6.35
  6.67
  7.00
  7.35
  7.72
  8.11
  8.51
  8.94
  9.39
  9.86
  10.35
  10.87
  11.41
  11.98
  12.58
  13.21
  13.87
  14.56
  15.29
  16.05
  16.86
  17.70
PV of cash for distribution, $m
 
  77
  61
  64
  67
  69
  70
  71
  71
  71
  69
  62
  60
  57
  54
  51
  47
  43
  39
  34
  30
  26
  22
  19
  15
  12
  10
  8
  6
  4
  3
Current shareholders' claim on cash, %
  100
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0

Green Dot Corporation, together with its subsidiaries, operates as a pro-consumer technology bank holding company that provides personal banking for the masses. It offers reloadable prepaid debit cards and cash reload processing services in the United States, as well as mobile banking services with its GoBank mobile checking account. The company’s products include Green Dot MasterCards, Visa-branded prepaid debit cards, and various co-branded reloadable prepaid card programs; Visa-branded gift cards; and swipe reload products, which enable cash loading and transfer services through Green Dot Network. Its Green Dot Network enables consumers to use cash to reload its prepaid debit cards or to transfer cash to any of Green Dot Network acceptance members, including competing prepaid card programs and other online accounts. The company, through its subsidiary, SBBT Holdings, LLC, provides tax refund processing services to various consumer tax preparation companies. Green Dot Corporation markets and sells its products and services to unbanked, underbanked, and unhappily banked consumers through approximately 100,000 locations consisting of retail locations, neighborhood financial service center locations, and tax preparation offices, as well as online, app stores, and online tax preparation providers. 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 RATIOS  of  Green Dot Cl A (GDOT)

Valuation Ratios
P/E Ratio 41.2
Price to Sales 2.4
Price to Book 2.5
Price to Tangible Book
Price to Cash Flow 15.5
Price to Free Cash Flow 25.1
Growth Rates
Sales Growth Rate 3.5%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate -10.4%
Cap. Spend. - 3 Yr. Gr. Rate 3.6%
Financial Strength
Quick Ratio 1
Current Ratio 0.2
LT Debt to Equity 11.5%
Total Debt to Equity 122.7%
Interest Coverage 9
Management Effectiveness
Return On Assets 2.8%
Ret/ On Assets - 3 Yr. Avg. 2.9%
Return On Total Capital 2.8%
Ret/ On T. Cap. - 3 Yr. Avg. 3.3%
Return On Equity 6.2%
Return On Equity - 3 Yr. Avg. 6.8%
Asset Turnover 0.4
Profitability Ratios
Gross Margin 0%
Gross Margin - 3 Yr. Avg. 0%
EBITDA Margin 18.4%
EBITDA Margin - 3 Yr. Avg. 18%
Operating Margin 8.9%
Oper. Margin - 3 Yr. Avg. 9.1%
Pre-Tax Margin 8.6%
Pre-Tax Margin - 3 Yr. Avg. 9.5%
Net Profit Margin 5.8%
Net Profit Margin - 3 Yr. Avg. 6.2%
Effective Tax Rate 32.3%
Eff/ Tax Rate - 3 Yr. Avg. 34.8%
Payout Ratio 0%

GDOT stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the GDOT stock intrinsic value calculation we used $719 million for the last fiscal year's total revenue generated by Green Dot Cl A. The default revenue input number comes from 2016 income statement of Green Dot Cl A. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our GDOT stock valuation model: a) initial revenue growth rate of 7.9% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 4.3%, whose default value for GDOT is calculated based on our internal credit rating of Green Dot Cl A, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Green Dot Cl A.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of GDOT stock the variable cost ratio is equal to 83.3%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $57 million in the base year in the intrinsic value calculation for GDOT stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 3.5% for Green Dot Cl A.

Corporate tax rate of 27% is the nominal tax rate for Green Dot Cl A. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the GDOT stock is equal to 0%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for GDOT are equal to 11.2%.

Life of production assets of 8.8 years is the average useful life of capital assets used in Green Dot Cl A operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for GDOT is equal to 4.6%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $684 million for Green Dot Cl A - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 50.659 million for Green Dot Cl A is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Green Dot Cl A at the current share price and the inputted number of shares is $1.7 billion.


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COMPANY NEWS

▶ Green Dot Earns Multiple Industry Awards   [Apr-28-17 11:14AM  Business Wire]
▶ Green Dot to Announce First Quarter 2017 Results on May 9th   [Apr-25-17 04:05PM  Business Wire]
▶ Five Stocks for the Small Cap Breakout to Highs   [Apr-20-17 08:05PM  Zacks]
▶ Green Dot to Repurchase $50 Million of Class A Common Stock   [Mar-13-17 04:50PM  Business Wire]
▶ Green Dot To Buy RushCard For At Least $167 Million   [Jan-30-17 09:45PM  at Forbes]
▶ [$$] Green Dot to Buy UniRush For $147 Million   [06:33PM  at The Wall Street Journal]
▶ Does Wal-Mart have the answer to make America save again?   [Dec-23-16 12:02PM  at MarketWatch]
▶ What Smart Money Thinks of First Bancorp (FBP)?   [Dec-06-16 01:04PM  at Insider Monkey]
▶ Here is What Hedge Funds Think About Green Dot Corporation (GDOT)   [Dec-02-16 04:47PM  at Insider Monkey]
▶ [$$] Meet the New Corporate Power Brokers: Passive Investors   [Oct-25-16 12:13AM  at The Wall Street Journal]
▶ [$$] Green Dot to Begin Offering Secured Credit Cards   [10:07AM  at The Wall Street Journal]
▶ How Green Dot Works and Makes Money (GDOT)   [Aug-24-16 02:00PM  at Investopedia]
▶ Uber drivers don't need Green Dot for daily payments anymore   [Aug-20-16 06:00AM  at Los Angeles Times]
Stock chart of GDOT Financial statements of GDOT
Valuation of Stocks

The paper VALUATION OF STOCKS: The Quest for Intrinsic Value provides a detailed description of our valuation model and discloses the calculation algorithm.

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