Greensky Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Greensky Inc (GSKY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Greensky Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 518M vs 135M combined for its competitors (79.4% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (-1.0% annualized vs trailing 12 months), vs decelerating (-7.6%) for its tracked peer group.
- Growth: Greensky Inc generated -0.4% revenue growth year over year in Q4 2021, vs 10.5% for its competitors combined.
- Profitability: Its 15.0% net margin compares with 1.1% for the peer group.
- Peer revenue share: Greensky Inc accounted for 80.5% of combined revenue among its tracked peer group, down from 82.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.40M compares with $0.66M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
GSKY Sales vs. its Competitors, Q4 2021
Greensky Inc reported revenue contraction of 0.44 % year on year in Q4 2021, below its competitors' combined revenue growth of 10.50 %.
With a net margin of 14.97 %, Greensky Inc achieved higher profitability than its competitors (1.07 %).
Greensky Inc generated 80.48 % of the combined sales of its peer group, down from 82.07 % a year earlier.
API endpoints for this dataset
Greensky Inc vs. its Competitors, Q4 2021
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Greensky Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Greensky Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Greensky Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (6) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Greensky Inc's competitor groups requires a Commercial License.
For context: the Professional Services industry grew revenue 7.1% year over year, combined, vs -0.4% for Greensky Inc. Greensky Inc's share of combined industry revenue moved from 0.02% to 0.02%, a gain of 0.00 percentage points.
Greensky Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Greensky Inc | Yes | No | No | No |
| Competitors combined (2) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 50.00 % (4 of 8) | 37.50 % (3 of 8) | 0.00 % (0 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
GSKY Stock Performance relative to its Competitors
GSKY Stock Performance relative to Similar Growth & Profitability Competitors
Publicly Traded Peers of Greensky Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Greensky Inc |
1,843.78 | 518.07 |
 Truleum Inc |
103.39 | 0.08 |
 Flexshopper Inc |
0.16 | 134.56 |
| SUBTOTAL | 1,947.32 | 652.72 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Greensky Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Greensky Inc's Competitors Named by the Company
Competitive relationships identified from Greensky Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Flexshopper Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Greensky Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Greensky Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Greensky Inc | 1,844 | 398,518 | 90,626 |
| Truleum Inc | 103 | - | - |
| Flexshopper Inc | 0 | 659,623 | 10,195 |
| PEERS TOTAL | 104 | 660,030 | -1,100 |
Greensky Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Professional Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (291 companies). See the full Professional Services industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 61.61 % | 33.12 % (avg) | +28.5 pp |
| Operating Margin | 31.12 % | industry median | +25.9 pp |
| EBITDA Margin | 30.73 % | 5.60 % (avg) | +25.1 pp |
| Capital Intensity (Capex / Revenue) | 3.01 % | 4.36 % (avg) | -1.3 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Greensky Inc's Valuation vs Competitive Position
Valuation multiples vs the Professional Services industry average (291 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Professional Services industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 21.3x | 25.2x | -3.8x |
| EV / EBITDA | 14.7x | 14.0x | +0.7x |
| P/B | -22.1x | 3.5x | -25.6x |
| Return on Equity | - | industry aggregate | - |
| Return on Invested Capital | 12.78 % | 1.05 % (avg) | 11.73 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Greensky Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|
| Revenue Growth | - | 27.73 % | -0.64 % | -1.56 % |
| Operating Margin | -5.31 % | 22.31 % | 9.98 % | 31.12 % |
| Return on Invested Capital | 20.19 % | 19.69 % | 5.58 % | 12.78 % |
| P/E | - | - | 22.6x | 21.3x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Greensky Inc's Strategic Group Map
Greensky Inc is shown in red; its closest peers by combined growth, margin and ROIC are labeled. See Methodology: Strategic Group Map for how this chart is built.
Greensky Inc's trailing-12-month revenue growth of -1.6% and operating margin of 31.1% compares with an average of 1.1% growth and 29.3% margin across its 8 closest peers by combined growth, margin and ROIC -- Greensky Inc sits below that peer average on growth and above it on margin.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Greensky Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 3.01 % vs industry average 4.36 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Greensky Inc's dedicated Suppliers and Customers pages, not here.
Greensky Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Greensky Inc falls in the Low attractiveness / Medium strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Greensky Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Operating margin 25.9 points above the industry median.
Weaknesses
No rule matched.
Opportunities
- Trades at a lower P/E than the industry average (21.3x vs 25.2x) despite a higher return on invested capital -- a possible re-rating opportunity.
- A meaningful share of competitors (50.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-7.6% annualized).
Methodology: see Methodology: SWOT Analysis.
Greensky Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Greensky Inc | 1.33 | 6.87 | - |
| Truleum Inc | 0.00 | 0.03 | - |
| Flexshopper Inc | 0.09 | 10.83 | 3.36 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Greensky Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Greensky Inc | Q4 2021 | -0.4 % | -18.0 % |
| Truleum Inc | Q1 2024 | -88.2 % | - |
| Flexshopper Inc | Q3 2024 | +22.9 % | +276.9 % |
| PEERS TOTAL | +4.1 % | -7.0 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Greensky Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Greensky Inc | Q4 2021 | -27.3 % | +75.4 % |
| Truleum Inc | Q1 2024 | -79.7 % | - |
| Flexshopper Inc | Q3 2024 | - | +2.5 % |
Greensky Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Greensky Inc | 8.96% | 8.68% | - |
| Truleum Inc | - | - | - |
| Flexshopper Inc | 1.23% | 1.52% | 7.19% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Greensky Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Greensky Inc | 18.55 | 3.56 |
| Truleum Inc | - | 1,245.45 |
| Flexshopper Inc | - | 0.00 |
| PEERS AVERAGE | 16.56 | 2.98 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.