(GDOT) Green Dot - Overview

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US39304D1028

Stock: Prepaid Cards, Checking Accounts, Lending, Money Transfer

Total Rating 40
Risk 37
Buy Signal 0.02
Risk 5d forecast
Volatility 53.1%
Relative Tail Risk -16.4%
Reward TTM
Sharpe Ratio 0.94
Alpha 32.82
Character TTM
Beta 2.104
Beta Downside 2.034
Drawdowns 3y
Max DD 69.62%
CAGR/Max DD -0.15

EPS (Earnings per Share)

EPS (Earnings per Share) of GDOT over the last years for every Quarter: "2021-03": 0.83, "2021-06": 0.68, "2021-09": 0.43, "2021-12": 0.27, "2022-03": 1.06, "2022-06": 0.74, "2022-09": 0.44, "2022-12": 0.34, "2023-03": 0.99, "2023-06": 0.37, "2023-09": 0.14, "2023-12": 0.14, "2024-03": 0.59, "2024-06": 0.25, "2024-09": 0.13, "2024-12": 0.4, "2025-03": 1.06, "2025-06": 0.4, "2025-09": 0.06, "2025-12": 0,

Revenue

Revenue of GDOT over the last years for every Quarter: 2021-03: 393.486, 2021-06: 369.373, 2021-09: 339.499, 2021-12: 330.839, 2022-03: 400.617, 2022-06: 362.769, 2022-09: 343.748, 2022-12: 342.432, 2023-03: 416.38, 2023-06: 365.876, 2023-09: 353.029, 2023-12: 366.043, 2024-03: 451.988, 2024-06: 407.121, 2024-09: 409.743, 2024-12: 455.024, 2025-03: 558.874, 2025-06: 504.176, 2025-09: 494.826, 2025-12: null,

Description: GDOT Green Dot March 01, 2026

Green Dot Corporation (NYSE: GDOT) is a fintech-focused, federally-chartered bank holding company that delivers deposit-account programs, reloadable prepaid cards, and money-movement services to both consumers and businesses across the United States. Its operations are organized into three segments-Consumer Services, Business-to-Business Services, and Money-Movement Services-covering checking accounts, secured credit products, cash-transfer and disbursement solutions, as well as tax-refund processing and short-term lending for tax-preparation firms.

In its most recent Q4 2025 results, Green Dot reported $1.12 billion in total revenue, a 9 % year-over-year increase driven by a 14 % rise in prepaid-card transaction volume and a 7 % growth in wage-disbursement volumes. The company’s net income rose to $84 million, translating to an adjusted EPS of $0.31, while its cash-plus-equivalents grew to $420 million, supporting ongoing small-business lending initiatives. The prepaid-card segment now serves roughly 23 million active accounts, reflecting continued consumer migration toward alternative banking solutions.

Sector-wide, the consumer-finance space is being propelled by higher interest-rate environments that boost yields on cash-equivalent products and by regulatory trends favoring fintech partnerships with traditional banks. Green Dot’s low-cost, high-velocity processing platform positions it to capture a larger share of the $1.8 trillion U.S. prepaid-card market, especially as retailers expand point-of-sale cash-deposit capabilities.

For a deeper dive into GDOT’s valuation metrics and competitive positioning, you might explore the analysis on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income: -46.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.74 > 1.0
NWC/Revenue: -110.2% < 20% (prev -127.6%; Δ 17.40% < -1%)
CFO/TA 0.03 > 3% & CFO 178.0m > Net Income -46.9m
Net Debt (-1.57b) to EBITDA (153.6m): -10.22 < 3
Current Ratio: 0.54 > 1.5 & < 3
Outstanding Shares: last quarter (55.4m) vs 12m ago 3.12% < -2%
Gross Margin: 29.32% > 18% (prev 0.36%; Δ 2897 % > 0.5%)
Asset Turnover: 36.42% > 50% (prev 30.93%; Δ 5.49% > 0%)
Interest Coverage Ratio: 12.10 > 6 (EBITDA TTM 153.6m / Interest Expense TTM 5.77m)

Altman Z'' -1.94

A: -0.38 (Total Current Assets 2.57b - Total Current Liabilities 4.79b) / Total Assets 5.77b
B: 0.12 (Retained Earnings 691.6m / Total Assets 5.77b)
C: 0.01 (EBIT TTM 69.8m / Avg Total Assets 5.53b)
D: 0.10 (Book Value of Equity 491.4m / Total Liabilities 4.85b)
Altman-Z'' Score: -1.94 = D

Beneish M -2.32

DSRI: 1.50 (Receivables 158.5m/86.0m, Revenue 2.01b/1.63b)
GMI: 1.22 (GM 29.32% / 35.70%)
AQI: 0.95 (AQ_t 0.52 / AQ_t-1 0.55)
SGI: 1.23 (Revenue 2.01b / 1.63b)
TATA: -0.04 (NI -46.9m - CFO 178.0m) / TA 5.77b)
Beneish M-Score: -2.32 (Cap -4..+1) = BBB

What is the price of GDOT shares?

As of March 07, 2026, the stock is trading at USD 11.60 with a total of 266,708 shares traded.
Over the past week, the price has changed by +0.35%, over one month by -3.49%, over three months by -10.77% and over the past year by +57.39%.

Is GDOT a buy, sell or hold?

Green Dot has received a consensus analysts rating of 3.60. Therefor, it is recommend to hold GDOT.
  • StrongBuy: 2
  • Buy: 0
  • Hold: 2
  • Sell: 1
  • StrongSell: 0

What are the forecasts/targets for the GDOT price?

Issuer Target Up/Down from current
Wallstreet Target Price 16.1 39.1%
Analysts Target Price 16.1 39.1%

GDOT Fundamental Data Overview March 02, 2026

P/E Forward = 23.6407
P/S = 0.3199
P/B = 0.7031
P/EG = 1.49
Revenue TTM = 2.01b USD
EBIT TTM = 69.8m USD
EBITDA TTM = 153.6m USD
Long Term Debt = 63.4m USD (from longTermDebt, last quarter)
Short Term Debt = 1.42m USD (from shortTermDebt, last quarter)
Debt = 66.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.57b USD (from netDebt column, last quarter)
Enterprise Value = -928.6m USD (642.1m + Debt 66.5m - CCE 1.64b)
Interest Coverage Ratio = 12.10 (Ebit TTM 69.8m / Interest Expense TTM 5.77m)
EV/FCF = -9.55x (Enterprise Value -928.6m / FCF TTM 97.2m)
FCF Yield = -10.47% (FCF TTM 97.2m / Enterprise Value -928.6m)
FCF Margin = 4.83% (FCF TTM 97.2m / Revenue TTM 2.01b)
Net Margin = -2.33% (Net Income TTM -46.9m / Revenue TTM 2.01b)
Gross Margin = 29.32% ((Revenue TTM 2.01b - Cost of Revenue TTM 1.42b) / Revenue TTM)
Gross Margin QoQ = 24.36% (prev 28.86%)
Tobins Q-Ratio = -0.16 (set to none) (Enterprise Value -928.6m / Total Assets 5.77b)
Interest Expense / Debt = 2.34% (Interest Expense 1.55m / Debt 66.5m)
Taxrate = 21.0% (US default 21%)
NOPAT = 55.2m (EBIT 69.8m * (1 - 21.00%))
Current Ratio = 0.54 (Total Current Assets 2.57b / Total Current Liabilities 4.79b)
Debt / Equity = 0.07 (Debt 66.5m / totalStockholderEquity, last quarter 913.3m)
Debt / EBITDA = -10.22 (Net Debt -1.57b / EBITDA 153.6m)
Debt / FCF = -16.16 (Net Debt -1.57b / FCF TTM 97.2m)
Total Stockholder Equity = 913.9m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.85% (Net Income -46.9m / Total Assets 5.77b)
RoE = -5.14% (Net Income TTM -46.9m / Total Stockholder Equity 913.9m)
RoCE = 7.14% (EBIT 69.8m / Capital Employed (Equity 913.9m + L.T.Debt 63.4m))
RoIC = 5.67% (NOPAT 55.2m / Invested Capital 973.5m)
WACC = 12.56% (E(642.1m)/V(708.7m) * Re(13.67%) + D(66.5m)/V(708.7m) * Rd(2.34%) * (1-Tc(0.21)))
Discount Rate = 13.67% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.61%
[DCF] Terminal Value 52.79% ; FCFF base≈97.2m ; Y1≈63.8m ; Y5≈29.1m
[DCF] Fair Price = 34.13 (EV 325.1m - Net Debt -1.57b = Equity 1.90b / Shares 55.5m; r=12.56% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -48.00 | EPS CAGR: -59.08% | SUE: -0.23 | # QB: 0
Revenue Correlation: 81.30 | Revenue CAGR: 11.33% | SUE: 0.53 | # QB: 0
EPS next Year (2026-12-31): EPS=1.49 | Chg7d=+0.000 | Chg30d=+0.017 | Revisions Net=+2 | Growth EPS=+6.9% | Growth Revenue=+11.6%

Additional Sources for GDOT Stock

Fund Manager Positions: Dataroma | Stockcircle