GreenSky Z Score
GSKY   USA Stock  USD 10.20 0.00 0.00% 
GreenSky  Z Score 
GreenSky Z Score Analysis
GreenSky's ZScore is a simple linear, multifactor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..2018  2019  2021  2022 (projected)  
Cash and Equivalents  458.5 M  467.65 M  552.44 M  532.6 M 
Total Assets  802.9 M  1.52 B  1.19 B  1.13 B 
Z Score  =  Sum Of   5 Factors 
Current GreenSky Z Score  1.6 
Most of GreenSky's fundamental indicators, such as Z Score, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, GreenSky is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
 
 
 
 

GreenSky Z Score Driver Correlations
Understanding the fundamental principles of building solid financial models for GreenSky is extremely important. It helps to project a fair market value of Ford stock properly, considering its historical fundamentals such as Z Score. Since GreenSky's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of GreenSky's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of GreenSky's interrelated accounts and indicators.
0.77  0.78  0.57  0.99  0.4  0.26  
0.77  0.27  0.59  0.77  0.52  0.47  
0.78  0.27  0.16  0.77  0.22  0.05  
0.57  0.59  0.16  0.51  0.2  0.17  
0.99  0.77  0.77  0.51  0.33  0.2  
0.4  0.52  0.22  0.2  0.33  0.98  
0.26  0.47  0.05  0.17  0.2  0.98 
Click cells to compare fundamentals
To calculate ZScore one would need to know current working capital of the company, its total assets, and liabilities, amount of latest retained earnings as well as earnings before interest and tax. ZScore can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with ZScores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a socalled 'grey area' with scores of less than 1, indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years, many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
Compare to competitionAccording to the company's disclosures, GreenSky has a Z Score of 1.6. This is 88.1% lower than that of the Technology sector and significantly higher than that of the Softwareâ€”Infrastructure industry. The z score for all United States stocks is 81.65% higher than that of the company.
GreenSky Z Score Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses GreenSky's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of GreenSky could also be used in its relative valuation, which is a method of valuing GreenSky by comparing valuation metrics of similar companies.GreenSky is currently under evaluation in z score category among related companies.
GreenSky Current Valuation Drivers
We derive many important indicators used in calculating different scores of GreenSky from analyzing GreenSky's financial statements. These drivers represent accounts that assess GreenSky's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of GreenSky's important valuation drivers and their relationship over time.
2017  2018  2019  2020  2021  2022 (projected)  
Earnings Before Interest Taxes and Depreciation Amortization EBITDA  128.17 M  150.19 M  57.85 M  47.92 M  96.34 M  88.76 M  
Earnings Before Interest Taxes and Depreciation Amortization USD  128.17 M  150.19 M  57.85 M  47.92 M  96.34 M  88.76 M  
Earnings before Tax  124.46 M  138.67 M  29.79 M  11.56 M  56.02 M  58.31 M  
Free Cash Flow  117.28 M  156.26 M  249.84 M  (482.67 M)  615.3 M  663.88 M  
Invested Capital  74.09 M  447.31 M  731.23 M  2.01 B  1.09 B  1.08 B  
Tangible Asset Value  302.2 M  462.89 M  802.9 M  1.52 B  1.19 B  1.13 B 
GreenSky Fundamentals
Return On Equity  (0.30) %  
Return On Asset  5.75 %  
Profit Margin  8.24 %  
Operating Margin  25.42 %  
Current Valuation  1.19 B  
Shares Outstanding  92.14 M  
Shares Owned by Insiders  9.36 %  
Shares Owned by Institutions  74.41 %  
Number of Shares Shorted  2.97 M  
Price to Earning  17.77 X  
Price to Book  27.95 X  
Price to Sales  1.81 X  
Revenue  518.65 M  
Gross Profit  129.65 M  
EBITDA  136.64 M  
Net Income  42.72 M  
Cash and Equivalents  241.97 M  
Cash per Share  2.78 X  
Total Debt  477.8 M  
Debt to Equity  5.53 %  
Current Ratio  4.09 X  
Book Value Per Share  0.37 X  
Cash Flow from Operations  263.24 M  
Short Ratio  1.12 X  
Earnings Per Share  0.57 X  
Price to Earnings To Growth  1.76 X  
Number of Employees  1.16 K  
Beta  1.44  
Market Capitalization  939.79 M  
Total Asset  485.51 M  
Retained Earnings  22.37 M  
Z Score  1.6 
About GreenSky Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze GreenSky's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of GreenSky using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of GreenSky based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.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.
GreenSky Investors Sentiment
The influence of GreenSky's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decisionmaking process regarding taking a position in GreenSky. The overall investor sentiment generally increases the direction of a stock movement in a oneyear investment horizon. However, the impact of investor sentiment on the entire stock markets does not have a solid backing from leading economists and market statisticians.GreenSky Implied Volatility  102.62 
GreenSky's implied volatility exposes the market's sentiment of GreenSky stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if GreenSky's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that GreenSky stock will not fluctuate a lot when GreenSky's options are near their expiration.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards GreenSky in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, GreenSky's short interest history, or implied volatility extrapolated from GreenSky options trading.
Becoming a Better Investor with Macroaxis
Macroaxis puts the power of mathematics on your side. We analyze your portfolios and positions such as GreenSky using complex mathematical models and algorithms, but make them easy to understand. There is no real person involved in your portfolio analysis. We perform a number of calculations to compute absolute and relative portfolio volatility, correlation between your assets, value at risk, expected return as well as over 100 different fundamental and technical indicators.Build Optimal Portfolios
Align your risk with return expectations
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 Aroon Oscillator module to analyze current equity momentum using Aroon Oscillator and other momentum ratios.
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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