Green Dot Corporation (GDOT) vs World Acceptance Corporation (WRLD)

Green Dot Corporation and World Acceptance Corporation are both Credit Services companies. Green Dot Corporation and World Acceptance Corporation are of similar size ($796.2M and $728.8M). Green Dot Corporation has negative trailing earnings, so its P/E is not meaningful; World Acceptance Corporation trades at 20.3×. Green Dot Corporation grew revenue faster over the last twelve months: 17.7% against 4.26%. World Acceptance Corporation has the higher net margin (6.61% vs −1.14%) and the higher return on invested capital (3.97% vs 0.00%). Across the 20 metrics below, World Acceptance Corporation leads on 11 and Green Dot Corporation on 9.

Valuation

Metric GDOT WRLD Credit Services median
P/E n/m 20.33 9.64
P/S 0.31 1.31 0.87
P/B 0.74 2.13 1.16
Price to free cash flow 8.37 2.99 2.99
EV/EBITDA 1.14 9.47 9.58
EV/Sales 0.05 2.05 2.32
Earnings yield (3.92%) 4.92% 6.72%
Free cash flow yield 11.94% 33.43% 12.33%

Profitability

Metric GDOT WRLD Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 0.34% 17.26% 0.34%
Net margin (1.14%) 6.61% 9.25%
Free cash flow margin 3.66% 44.29% 13.03%
Return on equity (2.79%) 9.90% 8.49%
Return on assets (0.44%) 3.72% 2.29%
Return on invested capital 0.00% 3.97% 4.09%

Growth

Metric GDOT WRLD Credit Services median
Revenue growth (TTM) 17.73% 4.26% 4.62%
EPS growth (last fiscal year) (258.00%) (57.24%) —
Revenue growth, 5-year CAGR 10.66% 2.08% 9.13%
Net income growth, 5-year CAGR 0.00% (17.09%) 0.00%

Health

Metric GDOT WRLD Credit Services median
Debt to equity 0.07 1.29 0.68
Current ratio 0.45 13.49 1.55
Net debt to EBITDA (13.64) 3.46 0.13

Dividend

Metric GDOT WRLD Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric GDOT WRLD Credit Services median
Market cap 728.84m 796.24m 872.19m

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