GreenSky (GSKY) Stock Price
GreenSky Price
Revenue has compounded at 24.8% per year over the past 7 years to 518.07 M USD. Earnings per share have declined at 33.0% per year over the last 6 years. GreenSky's net margin stands at 22.7%, down from 42.6% several years earlier.
GreenSky stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of GreenSky over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how GreenSky stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing GreenSky's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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GreenSky Revenue, EBIT, Net Income
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GreenSky Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
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| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| EBITM USD |
| EBIT MARGIN% |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| SHARESM |
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022e | 2023e | 2024e | 2025e |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 109.00 | 173.00 | 263.00 | 325.00 | 414.00 | 529.00 | 525.00 | 518.00 | 575.00 | 650.00 | 757.00 | 848.00 |
| – | 58.72 | 52.02 | 23.57 | 27.38 | 27.78 | -0.76 | -1.33 | 11.00 | 13.04 | 16.46 | 12.02 |
| 85.32 | 78.61 | 69.96 | 72.62 | 61.35 | 53.12 | 41.33 | 61.58 | 61.58 | 61.58 | 61.58 | 61.58 |
| 93.00 | 136.00 | 184.00 | 236.00 | 254.00 | 281.00 | 217.00 | 319.00 | 354.10 | 400.29 | 466.18 | 522.22 |
| 67.00 | 93.00 | 119.00 | 145.00 | 152.00 | 138.00 | 52.00 | 161.00 | 166.00 | 202.00 | 226.00 | 257.00 |
| 61.47 | 53.76 | 45.25 | 44.62 | 36.71 | 26.09 | 9.90 | 31.08 | 28.87 | 31.08 | 29.85 | 30.31 |
| 68.00 | 93.00 | 124.00 | 138.00 | 24.00 | 31.00 | 9.00 | 117.00 | 108.00 | 128.00 | 134.00 | 148.00 |
| – | 36.76 | 33.33 | 11.29 | -82.61 | 29.17 | -70.97 | 1,200.00 | -7.69 | 18.52 | 4.69 | 10.45 |
| 181.00 | 13.00 | 181.00 | 181.00 | 189.00 | 179.00 | 178.00 | 181.00 | 181.00 | 181.00 | 181.00 | 181.00 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales GreenSky generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue GreenSky retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare GreenSky's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares GreenSky has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against GreenSky's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
GreenSky stock margins
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GreenSky Stock Revenue, EBIT, Earnings per Share
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GreenSky business model & stock analysis
GreenSky SWOT Analysis
Strengths
One of the key strengths of GreenSky Inc is its strong financial position. The company has a solid cash reserve, allowing it to invest in growth opportunities and withstand economic downturns.
GreenSky Inc also boasts a highly innovative technology platform. This platform facilitates quick and convenient loan processing, attracting both borrowers and lending partners.
The company has built strong relationships with a network of trusted partners in various industries, enhancing its market presence and expanding its customer base.
Weaknesses
One of the notable weaknesses of GreenSky Inc is its overdependence on its lending partners. Any significant changes or disruptions in these partner relationships could have a negative impact on the company's operations and revenue.
The company has a limited geographical presence, primarily operating within the United States. This exposes GreenSky Inc to potential risks associated with regional economic fluctuations or regulatory changes.
Opportunities
GreenSky Inc has the opportunity to expand its business by diversifying into new industries or offering additional financial products and services.
The growing demand for online lending platforms presents an opportunity for GreenSky Inc to attract more customers and increase its market share.
The company can also explore strategic partnerships with other technology or financial companies to enhance its capabilities and explore new markets.
Threats
The competitive landscape in the online lending industry poses a threat to GreenSky Inc. There are many existing and emerging players in the market, which could potentially lead to increased competition and margin pressure.
Changes in regulations or legal frameworks governing the lending industry could also pose a threat to GreenSky Inc's operations and profitability.
Economic downturns or fluctuations in interest rates could impact consumer demand for loans, which could in turn affect GreenSky Inc's business and financial performance.
GreenSky Employees
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GreenSky Segments
GreenSky Revenue by Segment (1/3)
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GreenSky Revenue by Segment (2/3)
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GreenSky Revenue by Segment (3/3)
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GreenSky Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
GreenSky historical P/E ratio, EBIT multiple, and P/S ratio
GreenSky annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
GreenSky shares outstanding
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GreenSky Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 9/16/2021 | Maintained | Neutral | 43 | |
| 9/15/2021 | Maintained | Neutral | 43 | |
| 8/2/2021 | Upgrade | UnderweightEqual Weight | 50 | |
| 8/1/2021 | Upgrade | UnderweightEqual Weight | 50 | |
| 7/30/2021 | Upgrade | SellNeutral | 43 | |
| 7/29/2021 | Upgrade | SellNeutral | 43 | |
| 11/16/2020 | Maintained | Equal Weight | 51 | |
| 11/15/2020 | Maintained | Equal Weight | 51 | |
| 10/7/2020 | Maintained | Underweight | 50 | |
| 8/13/2020 | Maintained | Equal Weight | 51 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
GreenSky Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 11/29/2022 | 0.20USD | - | 167.93 MUSD | - | 2022 Q3 |
| 10/4/2022 | 0.16USD | - | -USD | - | 2022 Q2 |
| 5/2/2022 | 0.12USD | - | -USD | - | 2022 Q1 |
| 3/11/2022 | 0.07USD | - | 135.00 MUSD | - | 2021 Q4 |
| 11/4/2021 | 0.13USD | - | 144.76 MUSD | - | 2021 Q3 |
| 7/28/2021 | 0.05USD | - | 146.12 MUSD | - | 2021 Q2 |
| 5/4/2021 | -0.02USD | - | 133.47 MUSD | - | 2021 Q1 |
| 3/10/2021 | 0.06USD | - | 127.20 MUSD | - | 2020 Q4 |
| 11/9/2020 | 0.09USD | - | 152.22 MUSD | - | 2020 Q3 |
| 8/10/2020 | -0.02USD | - | 106.70 MUSD | - | 2020 Q2 |
GreenSky shareholder structure
| % | Name |
|---|---|
12.90530% | |
5.38783% | |
3.20577% | |
2.18361% | |
2.00132% | |
1.92851% |
GreenSky Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
52.70% | SEC ↗ | |
27.80% | SEC ↗ | |
20.70% | SEC ↗ | |
20.40% | SEC ↗ | |
20.20% | SEC ↗ | |
20.20% | SEC ↗ | |
20.20% | SEC ↗ | |
18.94% | SEC ↗ | |
13.40% | SEC ↗ | |
13.40% | SEC ↗ |
GreenSky Executives and Management Board
23 members · avg. age 56 · 13 % women
Mr. Kevin Goldstein (57)
Executive Vice President, Chief Credit Officer · since 2019
2.11 M USD
Management
Mr. Gerald Benjamin (63)
Vice Chairman of the Board, Chief Administrative Officer · since 2018
Mr. Andrew Kang (45)
Chief Financial Officer, Executive Vice President · since 2020
Mr. Robert Partlow (54)
Executive Vice President - Capital Markets · since 2020
Mr. Timothy Kaliban (55)
President, Chief Risk Officer · since 2012
Mr. David Zalik (47)
Chairman of the Board, Chief Executive Officer · since 2014
Mr. Dennis Kelly (63)
President - GreenSky Patient Solutions · since 2015
Board of Directors
Mr. Bryan Taylor (51)
Director
Mr. Nigel Morris (59)
Director · since 2014
Mr. Joel Babbit (67)
Independent Director · since 2019
Mr. Gregg Freishtat (54)
Independent Director · since 2014
Mr. Arthur Bacci (62)
Independent Director · since 2019
Mr. Robert Sheft (60)
Independent Director · since 2014
GreenSky Supply Chain
GreenSky Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.89 | 0.65 | — |
Frequently asked questions about GreenSky
GreenSky Inc operates as a technology company in the financial industry, providing point-of-sale payment solutions and lending services. The company's business model revolves around connecting consumers, merchants, and financial institutions through its proprietary technology platform. GreenSky enables consumers to access affordable financing options for various purposes, such as home improvement projects, healthcare expenses, and retail purchases. By partnering with merchants and banks, GreenSky facilitates seamless and efficient transactions, allowing consumers to secure instant financing at the point of sale. With its innovative technology and extensive network, GreenSky Inc aims to offer convenient and accessible financing solutions to enhance the customer experience and drive economic growth.
GreenSky Inc is primarily active in the financial technology industry.
The main competitors of GreenSky Inc in the market are Affirm Holdings Inc, Afterpay Ltd, and Klarna AB.
GreenSky Inc is a financial technology company based in Atlanta, Georgia. Established in 2006, the company provides technology-enabled payment solutions to businesses and consumers. GreenSky's platform facilitates point-of-sale financing, enabling businesses to offer instant financing options to their customers. The company partners with banks, credit unions, and other financial institutions to provide these financing solutions. With its user-friendly app and efficient processes, GreenSky has gained popularity in various industries, including home improvement, healthcare, and retail. Over the years, the company has built a strong reputation for its reliable and secure payment solutions, making a significant impact in the financial technology sector.
GreenSky Inc has achieved several significant milestones in its operations. The company has established itself as a leading provider of technology solutions in the financial industry. GreenSky has successfully facilitated over $30 billion in loans, demonstrating its strong track record and widespread trust among consumers and financial institutions. Moreover, the company went public in 2018, further solidifying its position in the market. GreenSky has continuously focused on innovation, ensuring seamless and efficient payment processes for merchants and customers. These milestones highlight GreenSky Inc's commitment to growth, technological advancement, and industry leadership.
GreenSky Inc is primarily present in the United States.
GreenSky Inc represents values of innovation, collaboration, and customer-centricity. With its corporate philosophy rooted in providing seamless technology solutions, GreenSky Inc aims to empower businesses and consumers with financial options. By leveraging its platform, the company facilitates quick and convenient access to affordable loans for a wide range of purposes, including home improvement projects and healthcare expenses. GreenSky Inc's commitment to technological advancement and superior customer service has successfully positioned it as a leading player in the financial technology industry. The company continually strives to enhance the financial well-being of its customers by offering flexible financing solutions tailored to their specific needs.
9 analysts currently rate the GreenSky stock: 0 recommend buying, 6 holding and 3 selling.
The GreenSky share (GSKY) is listed on 1 stock exchanges, including: NASDAQ (GSKY).
GreenSky Inc is a leading fintech company that uses innovative technologies to provide consumer loans in the home improvement sector. GreenSky offers its customers a simple and fast method to obtain loans for renovations or repairs to their homes. The company collaborates with over 16,000 retailers and providers of DIY and construction projects. Based in Atlanta, Georgia, the company was founded by David Zalik in 2006 and went public in 2018. GreenSky offers two types of products - home improvement loans and consumer loans. Home improvement loans are offered by GreenSky partners such as retailers, contractors, and builders, allowing customers to carry out major renovations and maintenance work on their homes. Consumer loans allow customers to take out loans for the purchase of products or services, such as kitchen appliances, furniture, or even dental treatments. GreenSky uses a proprietary technology platform to approve loans within seconds and directly pay money to partners. This results in a fast and efficient processing of orders, benefiting both customers and partners. The company collaborates with established financial institutions as well as new fintech players like Apple Pay to offer its customers the best available services. In recent years, GreenSky has expanded its presence through partnerships with key industry-leading brands. An example of this is the collaboration with Home Depot, one of the largest construction retailers in the USA. The partnership allows Home Depot customers to obtain GreenSky loans with special conditions and benefits. Furthermore, the company offers its partners a white-label platform that allows retailers to sell their own loans under the GreenSky brand. GreenSky has experienced rapid expansion in recent years. The company has approved over $13 billion in loans and operates in 50 US states. Forbes has referred to GreenSky as one of the most promising fintech companies in the USA. The company has also raised approximately $1.8 billion in investments from renowned investors such as the Canadian Imperial Bank of Commerce, Fifth Third Bancorp, and American Express. Overall, GreenSky is an innovative fintech company that provides simple solutions for its customers and partners to obtain loans for home improvement and consumer products. GreenSky's unique technology platform, strong partner relationships, and rapid expansion make it an important player in the financial industry.
The revenue cannot currently be calculated for GreenSky.
The profit cannot currently be calculated for GreenSky.
The P/E ratio cannot be calculated for GreenSky at the moment.
The P/S cannot be calculated for GreenSky currently.
The Eulerpool Quality Score for GreenSky is 2/10.
The ISIN of GreenSky is US39572G1004. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of GreenSky is A2JMYQ. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of GreenSky is GSKY. The ticker symbol is used to trade GreenSky shares on the stock exchange.
GreenSky is assigned to the 'Information technology' sector.
The dividends of GreenSky are distributed in USD.
GreenSky stock
GreenSky Peer Group
GreenSky Ticker
GreenSky FIGI
All fundamentals and in-depth analysis of GreenSky
Our stock analysis for GreenSky stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of GreenSky. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.