GreenSky Stock Financials

GSKY
 Stock
  

USD 10.20  0.00  0.00%   

GreenSky Earnings before Tax are fairly stable at the moment as compared to the past year. GreenSky reported Earnings before Tax of 56.02 Million in 2021. Average Equity is likely to rise to about 26.1 M in 2022, whereas Average Assets are likely to drop slightly above 1.2 B in 2022.
  
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With this module, you can analyze GreenSky financials for your investing period. You should be able to track the changes in GreenSky individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Revenues

500.93 Million

Share
Understanding current and past GreenSky Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of GreenSky's financial statements are interrelated, with each one affecting the others. For example, an increase in GreenSky's assets may result in an increase in income on the income statement.
The fundamental analysis of GreenSky is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for GreenSky includes many different criteria found on its balance sheet. For example, investors should never minimize GreenSky's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor GreenSky's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in GreenSky.

GreenSky Cash

Chance Of Financial Distress
Over 64
GreenSky has more than 64 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for GreenSky stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in GreenSky's official financial statements usually reflect GreenSky's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of GreenSky. For example, before you start analyzing numbers published by GreenSky accountants, it's critical to develop an understanding of what GreenSky's liquidity, profitability, and earnings quality are in the context of the Technology space in which it operates.
Please note, the presentation of GreenSky's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, GreenSky's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in GreenSky's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of GreenSky. Please utilize our Beneish M Score to check the likelihood of GreenSky's management to manipulate its earnings.

GreenSky Company Summary

GreenSky competes with Black Knight, Blackberry, Travelers Companies, Cisco Systems, and Coca Cola. GreenSky, Inc., a technology company, that enables promotional financing at the point of sale for merchants, consumers, and bank partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia. Greensky Inc operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 1164 people.
Specialization
Technology, Software - Infrastructure
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CUSIP39572G100
LocationGeorgia; U.S.A
Business Address5565 Glenridge Connector
SectorTechnology
IndustrySoftware—Infrastructure
BenchmarkDOW
Websitewww.greensky.com
Phone678 264 6105
CurrencyUSD - US Dollar
You should never invest in GreenSky without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of GreenSky Stock, because this is throwing your money away. Analyzing the key information contained in GreenSky's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

GreenSky Key Financial Ratios

Generally speaking, GreenSky's financial ratios allow both analysts and investors to convert raw data from GreenSky's financial statements into concise, actionable information that can be used to evaluate the performance of GreenSky over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that GreenSky reports annually and quarterly.

GreenSky Key Balance Sheet Accounts

201720182019202020212022 (projected)
Total Assets302.2 M462.89 M802.9 M1.52 B1.19 B1.13 B
Cash and Equivalents228.11 M353.84 M458.5 M467.65 M552.44 M532.6 M
Cash and Equivalents USD228.11 M353.84 M458.5 M467.65 M552.44 M532.6 M
Shareholders Equity(123.51 M)(456.39 M)25.58 M(5.99 M)49.06 M52.93 M
Shareholders Equity USD(123.51 M)(456.39 M)25.58 M(5.99 M)49.06 M52.93 M
Investments41.27 M73.61 M2.88 M571.41 M5.32 M5.46 M
Total Liabilities90 M488.93 M837.67 M1.7 B1.22 B1.16 B
Trade and Non Trade Payables2.68 M6.84 M5.36 M15.42 M11.75 M11.39 M
Property Plant and Equipment Net7.02 M7.85 M10.23 M21.45 M23.39 M20.82 M
Trade and Non Trade Receivables18.2 M18.58 M15.54 M21.96 M19.11 M20.95 M
Accumulated Retained Earnings Deficit160.02 M98.52 M24.22 M33.75 M75.82 M71.37 M

GreenSky Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what GreenSky's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income124.46 M138.67 M127.98 M28.66 M117.81 M105.76 M
Cost of Revenue79.14 M89.71 M161.39 M309.28 M198.9 M197.72 M
Gross Profit184.72 M236.18 M258.91 M216.37 M319.17 M303.21 M
Net Income124.46 M138.67 M24.26 M9.96 M42.14 M50.17 M
Operating Expenses64.91 M90.58 M103.17 M163.83 M157.97 M148.38 M
Operating Income119.81 M145.6 M155.74 M52.54 M161.2 M154.83 M
Revenues263.87 M325.89 M420.3 M525.65 M518.07 M500.93 M

GreenSky Key Cash Accounts

Cash flow analysis captures how much money flows into and out of GreenSky. It measures of how well GreenSky is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money GreenSky brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money GreenSky had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what GreenSky has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(4.67 M)(4.13 M)(6.58 M)(14.57 M)(15.6 M)(16.01 M)
Depreciation Amortization and Accretion3.71 M3.98 M4.48 M11.33 M14.04 M11.3 M
Net Cash Flow or Change in Cash and Cash Equivalents118 M125.72 M104.66 M21.81 M84.79 M75.71 M
Net Cash Flow from Financing725 K(30.54 M)(145.18 M)504.48 M(530.51 M)(544.47 M)
Net Cash Flow from Investing(4.67 M)(4.13 M)(6.58 M)(14.57 M)(15.6 M)(16.01 M)
Net Cash Flow from Operations121.94 M160.39 M256.43 M(468.1 M)630.9 M680.71 M
Share Based Compensation1.9 M3.95 M6.04 M14.91 M15.66 M12.97 M

GreenSky Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining GreenSky's current stock value. Our valuation model uses many indicators to compare GreenSky value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across GreenSky competition to find correlations between indicators driving GreenSky's intrinsic value. More Info.
GreenSky is one of the top stocks in z score category among related companies. It is one of the top stocks in shares owned by insiders category among related companies making about  5.85  of Shares Owned by Insiders per Z Score. . Comparative valuation analysis is a catch-all model that can be used if you cannot value GreenSky by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for GreenSky's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the GreenSky's earnings, one of the primary drivers of an investment's value.

GreenSky Market Fundamentals

 Quote10.20
 Change(%) 0.00 
 Change0.00 
 Open10.2
 Low10.2
 High10.2
 Volume0
 ExchangeNASDAQ

About GreenSky Financials

What exactly are GreenSky Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include GreenSky's income statement, its balance sheet, and the statement of cash flows. Potential GreenSky investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although GreenSky investors may use each financial statement separately, they are all related. The changes in GreenSky's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on GreenSky's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines that you should keep in mind when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase year after year due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt to equity ratio because this number will tell you how much risk it has. If a company such as GreenSky is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to try and figure out if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that net revenue of GreenSky grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only grown by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

GreenSky July 1, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of GreenSky help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of GreenSky. We use our internally-developed statistical techniques to arrive at the intrinsic value of GreenSky based on widely used predictive technical indicators. In general, we focus on analyzing GreenSky Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build GreenSky's daily price indicators and compare them against related drivers.
Information Ratio0.0121
Maximum Drawdown10.66
Value At Risk(3.17)
Potential Upside3.43
Please check Risk vs Return Analysis. Note that the GreenSky information on this page should be used as a complementary analysis to other GreenSky's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.

Other Tools for GreenSky Stock

When running GreenSky price analysis, check to measure GreenSky's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy GreenSky is operating at the current time. Most of GreenSky's value examination focuses on studying past and present price action to predict the probability of GreenSky's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move GreenSky's price. Additionally, you may evaluate how the addition of GreenSky to your portfolios can decrease your overall portfolio volatility.
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