Green Dot Corporation (GDOT) vs Lufax Holding Ltd. Sponsored ADR (LU)

Green Dot Corporation and Lufax Holding Ltd. Sponsored ADR are both Credit Services companies. Lufax Holding Ltd. Sponsored ADR is the larger, with a market value of $1.1B against $728.8M — 1.5× the size. Green Dot Corporation grew revenue faster over the last twelve months: 17.7% against −22.5%. Green Dot Corporation has the higher net margin (−1.14% vs −13.3%) and the lower return on invested capital (0.00% vs 9.42%). Across the 18 metrics below, Green Dot Corporation leads on 11 and Lufax Holding Ltd. Sponsored ADR on 7.

Valuation

Metric GDOT LU Credit Services median
P/E n/m n/m 9.64
P/S 0.31 0.27 0.87
P/B 0.74 0.08 1.16
Price to free cash flow 8.37 11.53 2.99
EV/EBITDA 1.14 n/m 9.58
EV/Sales 0.05 0.00 2.32
Earnings yield (3.92%) (49.59%) 6.72%
Free cash flow yield 11.94% 8.67% 12.33%

Profitability

Metric GDOT LU Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 0.34% 49.67% 0.34%
Net margin (1.14%) (13.30%) 9.25%
Free cash flow margin 3.66% 2.34% 13.03%
Return on equity (2.79%) (3.83%) 8.49%
Return on assets (0.44%) (1.50%) 2.29%
Return on invested capital 0.00% 9.42% 4.09%

Growth

Metric GDOT LU Credit Services median
Revenue growth (TTM) 17.73% (22.46%) 4.62%
EPS growth (last fiscal year) (258.00%) 55.84% —
Revenue growth, 5-year CAGR 10.66% (12.93%) 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric GDOT LU Credit Services median
Debt to equity 0.07 0.89 0.68
Current ratio 0.45 1.72 1.55
Net debt to EBITDA (13.64) (1.19) 0.13

Dividend

Metric GDOT LU Credit Services median
Dividend yield — 5.92% 3.34%
Payout ratio 0.00 1.69 0.00

Size

Metric GDOT LU Credit Services median
Market cap 728.84m 1.11b 872.19m

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