GSKY — Stock Film
STOCK FILMSCENE 1/11GSKY · $10.20
Stock Expert AI presents
GSKY
GreenSky, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
GreenSky, Inc. A quick introduction.

On the stock market since 2018, it operates in the world of technology. It has 992 employees. Now — the numbers.

on the stock market since 2018
992 employees
$1.9B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $23 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 23%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
43%Transaction Fees
Transaction Fees 43%Merchant Fees 41%Servicing Fees 14%Interchange Fees 2%
43% of all revenue comes from a single line: Transaction Fees.

Revenue is spread across several lines; no single product carries the company.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 12% a year over the last 4 years. Every year shown ended in profit.

$325.9M
2017
$414.7M
2018
$529.6M
2019
$525.6M
2020
$518.1M
2021
Cash on hand:
$0
Total debt:
$0
The debt outweighs the cash.

The gap is $167.7M. In times of high interest rates, a gap like that can squeeze a company.

Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
7 / 8
EXPECTATIONS MET OR BEATEN
7
May 2020
Aug 2020
Nov 2020
Mar 2021
May 2021
Jul 2021
Nov 2021
Mar 2022
7 TIMES IN THE LAST 8 QUARTERS
It clears the bar, quarter after quarter.
THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 19% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/2
A fat but narrowing margin

The net profit margin is 23% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/2
Delivers on expectations

It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.

1
THE RISKS · 1/2
Executives lean toward selling

Over the last 12 months, executives reported 57 sells against just 9 buys. Not an alarm bell by itself, but a number worth watching.

2
THE RISKS · 2/2
The stock has lost its spark

Since the drop from its peak, buyer appetite hasn’t come back.

FINALE · THE GRADE
D
0 / 100 · MoonshotScore

On our five-subject report card, GSKY sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: GSKY is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film