Green Dot Corporation And World Acceptance Corp Head To Head Compare

Green Dot Corporation versus World Acceptance Corporation Head to Head Compare

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This is a head to head compare of Green Dot Corporation (NYSE:GDOT) and World Acceptance Corporation (NASDAQ:WRLD) . We will compare the two companies on revenue growth, earnings, revenue per employee, operating margins, free cash flow and valuation. The head to head compare assigns 100 points in total.

Before we dive into the analysis, we will look at the stock returns for each company over the last three months, six months and the last year. The stock returns do not impact the head to head compare scores which are focused on the fundamentals of each company, but ultimately stock returns are are still a critical piece to a full analysis and compare.

Stock Returns
Symbol 3-Months 6-Months One-Year Fundamentals
GDOT +32.8% +48.9% +56.8%
WRLD -9.3% +8.3% +30.4%

Green Dot Corporation has a higher fundamental rating than World Acceptance Corporation which has an impact on the head-to-head comparison. The CML Star Rating is an objective, quantifiable measure of a company's operating and financial condition. The rating is computed by measuring numerous elements of the company's current financial data and their associated changes over time.

Now, let's dive into the two companies to compare them.

➤ Income Statement
First we turn to the income statement and compare revenue, earnings and revenue per employee for both companies. We note that simple revenue comparisons do not impact the rating.

Green Dot Corporation has larger revenue in the last year than World Acceptance Corporation. Raw revenue comps do not affect the head to head rating.

Both GDOT and WRLD show positive earnings over the last year with the edge to WRLD.

Net Income

GDOT generates massively larger revenue per employee ($689,000) than WRLD ($126,000).

Revenue per Employee
($ Millions)

➤ Margins
Next we create some derived metrics to compare the the amount of revenue earned per dollar of expense and the amount of free cash flow earned per dollar of revenue. Margins are one of the fairest ways to compare companies since they remove some of the bias of large versus small numbers.

World Acceptance Corporation generates $1.18 in revenue for every $1 of expense, while Green Dot Corporation generates an operating loss with just $1.00 in revenue per $1 of expense.

Revenue per Dollar of Expense

WRLD generates $0.23 in levered free cash flow for every $1 of revenue, massively higher than GDOT's $0.11.

Free Cash Flow
per Dollar of Revenue

➤ Growth
Finally we compare the financial metrics related to growth: revenue growth rates and price to sales.

While Green Dot Corporation is growing revenue, World Acceptance Corporation revenue is actually shrinking.

Revenue Growth

For every $1 in revenue, the stock market prices in $1.92 in market cap for GDOT and $0.87 in market cap for WRLD.

Price to Sales

Green Dot Corporation (NYSE:GDOT)
World Acceptance Corporation (NASDAQ:WRLD) : 64 to 36