GreenSky, Inc.
Industrials · Services-Business Services, NEC · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | |
|---|---|---|---|---|---|---|
| Revenue | $125.2M | $121.9M | $104.4M | $85.3M | $325.9M | $263.9M |
| Operating income | $19.7M | −$7.8M | $118.3M | $155.7M | $145.6M | $119.8M |
| Net income | $3.8M | −$3.3M | $32.0M | $24.3M | $138.7M | $124.5M |
| Total assets | $1.19B | $1.52B | $951.0M | $802.9M | $462.9M | — |
| Total liabilities | $1.22B | $1.70B | $1.01B | $837.7M | $488.9M | — |
| Equity | −$28.1M | −$175.5M | −$54.9M | −$34.8M | — | — |
| EPS (diluted) | $0.05 | $0.05 | $0.49 | $0.41 | — | — |
| Shares out. | 180.8M | 177.8M | 61.0M | 188.9M | — | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2021- Operating margin
- 15.8%
- Net margin
- 3.0%
- Return on equity
- −13.5%
- Return on assets
- 0.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 102.4%
- Debt / equity
- —
- Book value / share
- $-0.16
- Revenue growth (YoY)
- 2.7%
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2021- Accruals / assets
- −52.8%clean
- Piotroski F-Score
- 7/8strong
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 4 good- Negative shareholder equity
- High leverage (liabilities > 70% of assets)
- Operating margin is positive
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Freishtat Gregg StevenDirector | Mar 29, 2022 | D | 76,272.2 | — |
| Bacci Arthur JDirector | Mar 29, 2022 | D | 96,538 | — |
| Benjamin Gerald R.Officer — Chief Administrative Officer | Mar 29, 2022 | D | 274,202 | — |
| Zalik DavidOfficer — CEO and Chairman of the Board | Mar 29, 2022 | D | 1.1M | — |
| Nagy Angela MOfficer — SVP, Chief Accounting Officer | Mar 29, 2022 | D | 71,517 | — |
| Kang AndrewOfficer — EVP and CFO | Mar 29, 2022 | D | 297,139 | — |
| Gupta RiteshOfficer — EVP, Chief Operating Officer | Mar 29, 2022 | D | 287,241 | — |
| Babbit Joel M.Director | Mar 29, 2022 | D | 33,614 | — |
| Kaliban Timothy DanielOfficer — President, Chief Risk Officer | Mar 29, 2022 | D | 1.6M | — |
| Gupta RiteshOfficer — EVP, Chief Operating Officer | Mar 15, 2022 | Tax withholding | 5,122 | $9.51 |
| Kaliban Timothy DanielOfficer — President, Chief Risk Officer | Mar 15, 2022 | Tax withholding | 8,762 | $9.51 |
| Benjamin Gerald R.Officer — Chief Administrative Officer | Mar 15, 2022 | Tax withholding | 5,154 | $9.51 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Terminated a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsMar 29, 2022
- Other material eventMar 28, 2022
- Shareholder voteDec 10, 2021
- Other material eventDec 3, 2021
- Director / officer changeOct 29, 2021
- Entered a material agreement · Other material eventSep 15, 2021
- Terminated a material agreementAug 11, 2021
- Results of operationsJul 29, 2021
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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