(GDOT) Green Dot - Ratings and Ratios
Debit Cards, Gift Cards, Checking Accounts, Cash Transfer, Tax Refund Services
GDOT EPS (Earnings per Share)
GDOT Revenue
Description: GDOT Green Dot
Green Dot Corporation is a financial technology and registered bank holding company that offers a diverse range of financial services to both consumers and businesses across the United States. The companys operations are segmented into Consumer Services, Business to Business Services, and Money Movement Services, providing a comprehensive suite of financial solutions. The companys product portfolio includes deposit account programs, such as consumer and small business checking accounts, network-branded reloadable prepaid debit cards, and secured credit programs. Additionally, it provides money processing services, including cash transfer and disbursement services that facilitate transactions at the point-of-sale and enable wages and authorized funds disbursement.
The companys services extend to tax processing, offering tax refund transfers, small business lending to independent tax preparation providers, and fast cash advance loans to tax refund recipients. With a history dating back to 1999, Green Dot Corporation is headquartered in Provo, Utah, and has established itself as a significant player in the consumer finance industry. The companys business model is built around delivering innovative financial solutions that cater to the evolving needs of consumers and businesses.
From a market perspective, Green Dot Corporation has a market capitalization of $520.91 million USD, with a forward P/E ratio of 23.64, indicating the markets expectation of the companys future growth. The companys return on equity is currently negative, suggesting that it is not generating profits at the current level of shareholder equity. However, the absence of a trailing P/E ratio indicates that the company may not be profitable at the moment, or it might be in a phase of significant investment.
Analyzing the technical data, the stocks last price was $10.74, with a 20-day SMA of $9.95, a 50-day SMA of $9.24, and a 200-day SMA of $9.71. The stocks ATR is 0.40, or 3.73%, indicating moderate volatility. The 52-week high and low are $13.28 and $6.34, respectively, showing a significant range in the stocks price over the past year. Based on the technical and fundamental data, a potential forecast could be that the stock is poised for a rebound if it can break through the resistance level around the 52-week high. With a forward P/E of 23.64, the market is pricing in growth expectations. If the company can return to profitability, the stock could be poised for a significant upward move, potentially targeting the $13.28 level or higher, depending on the companys ability to execute on its business plan and improve its financial performance.
GDOT Stock Overview
Market Cap in USD | 724m |
Sub-Industry | Consumer Finance |
IPO / Inception | 2010-07-22 |
GDOT Stock Ratings
Growth Rating | -24.0% |
Fundamental | 52.0% |
Dividend Rating | - |
Return 12m vs S&P 500 | -9.78% |
Analyst Rating | 3.60 of 5 |
GDOT Dividends
Currently no dividends paidGDOT Growth Ratios
Growth Correlation 3m | 35.4% |
Growth Correlation 12m | 33.1% |
Growth Correlation 5y | -90.4% |
CAGR 5y | -11.62% |
CAGR/Max DD 3y (Calmar Ratio) | -0.17 |
CAGR/Mean DD 3y (Pain Ratio) | -0.29 |
Sharpe Ratio 12m | -0.06 |
Alpha | -3.70 |
Beta | 0.780 |
Volatility | 48.28% |
Current Volume | 426.1k |
Average Volume 20d | 621.1k |
Stop Loss | 11.7 (-6%) |
Signal | 0.33 |
Piotroski VR‑10 (Strict, 0-10) 2.0
Net Income (-24.0m TTM) > 0 and > 6% of Revenue (6% = 115.7m TTM) |
FCFTA 0.02 (>2.0%) and ΔFCFTA 1.33pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
NWC/Revenue -74.51% (prev -140.6%; Δ 66.13pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
CFO/TA 0.02 (>3.0%) and CFO 138.4m > Net Income -24.0m (YES >=105%, WARN >=100%) |
Net Debt (-2.24b) to EBITDA (156.6m) ratio: -14.30 <= 3.0 (WARN <= 3.5) |
Current Ratio 0.69 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
Outstanding Shares last Quarter (55.1m) change vs 12m ago 3.13% (target <= -2.0% for YES) |
Gross Margin 30.49% (prev 37.81%; Δ -7.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
Asset Turnover 34.73% (prev 28.60%; Δ 6.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
Interest Coverage Ratio 12.69 (EBITDA TTM 156.6m / Interest Expense TTM 5.79m) >= 6 (WARN >= 3) |
Altman Z'' -1.06
(A) -0.26 = (Total Current Assets 3.15b - Total Current Liabilities 4.59b) / Total Assets 5.58b |
(B) 0.13 = Retained Earnings (Balance) 722.4m / Total Assets 5.58b |
(C) 0.01 = EBIT TTM 73.5m / Avg Total Assets 5.55b |
(D) 0.11 = Book Value of Equity 504.1m / Total Liabilities 4.66b |
Total Rating: -1.06 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 52.02
1. Piotroski 2.0pt = -3.0 |
2. FCF Yield -6.31% = -3.16 |
3. FCF Margin 4.96% = 1.24 |
4. Debt/Equity 0.08 = 2.50 |
5. Debt/Ebitda -14.30 = 2.50 |
6. ROIC - WACC (= -2.58)% = -3.22 |
7. RoE -2.61% = -0.44 |
8. Rev. Trend 83.91% = 6.29 |
9. EPS Trend -13.96% = -0.70 |
What is the price of GDOT shares?
Over the past week, the price has changed by +0.08%, over one month by -14.32%, over three months by +16.46% and over the past year by +4.18%.
Is Green Dot a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GDOT is around 10.29 USD . This means that GDOT is currently overvalued and has a potential downside of -17.35%.
Is GDOT a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 2
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the GDOT price?
Issuer | Target | Up/Down from current |
---|---|---|
Wallstreet Target Price | 18 | 44.6% |
Analysts Target Price | 18 | 44.6% |
ValueRay Target Price | 11.4 | -8.1% |
Last update: 2025-10-06 02:04
GDOT Fundamental Data Overview
P/E Forward = 23.6407
P/S = 0.3767
P/B = 0.7874
P/EG = 1.49
Beta = 0.78
Revenue TTM = 1.93b USD
EBIT TTM = 73.5m USD
EBITDA TTM = 156.6m USD
Long Term Debt = 63.3m USD (from longTermDebt, last quarter)
Short Term Debt = 2.88m USD (from shortTermDebt, last quarter)
Debt = 73.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.24b USD (from netDebt column, last quarter)
Enterprise Value = -1.52b USD (724.0m + Debt 73.4m - CCE 2.31b)
Interest Coverage Ratio = 12.69 (Ebit TTM 73.5m / Interest Expense TTM 5.79m)
FCF Yield = -6.31% (FCF TTM 95.6m / Enterprise Value -1.52b)
FCF Margin = 4.96% (FCF TTM 95.6m / Revenue TTM 1.93b)
Net Margin = -1.24% (Net Income TTM -24.0m / Revenue TTM 1.93b)
Gross Margin = 30.49% ((Revenue TTM 1.93b - Cost of Revenue TTM 1.34b) / Revenue TTM)
Gross Margin QoQ = 28.86% (prev 33.45%)
Tobins Q-Ratio = -0.27 (set to none) (Enterprise Value -1.52b / Total Assets 5.58b)
Interest Expense / Debt = 2.22% (Interest Expense 1.63m / Debt 73.4m)
Taxrate = 25.27% (-15.9m / -62.9m)
NOPAT = 55.0m (EBIT 73.5m * (1 - 25.27%))
Current Ratio = 0.69 (Total Current Assets 3.15b / Total Current Liabilities 4.59b)
Debt / Equity = 0.08 (Debt 73.4m / totalStockholderEquity, last quarter 920.9m)
Debt / EBITDA = -14.30 (Net Debt -2.24b / EBITDA 156.6m)
Debt / FCF = -23.42 (Net Debt -2.24b / FCF TTM 95.6m)
Total Stockholder Equity = 918.6m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.43% (Net Income -24.0m / Total Assets 5.58b)
RoE = -2.61% (Net Income TTM -24.0m / Total Stockholder Equity 918.6m)
RoCE = 7.49% (EBIT 73.5m / Capital Employed (Equity 918.6m + L.T.Debt 63.3m))
RoIC = 5.65% (NOPAT 55.0m / Invested Capital 973.3m)
WACC = 8.22% (E(724.0m)/V(797.4m) * Re(8.89%) + D(73.4m)/V(797.4m) * Rd(2.22%) * (1-Tc(0.25)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.35%
[DCF Debug] Terminal Value 67.39% ; FCFE base≈65.8m ; Y1≈44.4m ; Y5≈21.5m
Fair Price DCF = 6.57 (DCF Value 364.0m / Shares Outstanding 55.4m; 5y FCF grow -37.97% → 3.0% )
EPS Correlation: -13.96 | EPS CAGR: -57.59% | SUE: 0.49 | # QB: 0
Revenue Correlation: 83.91 | Revenue CAGR: 14.94% | SUE: 0.63 | # QB: 0
Additional Sources for GDOT Stock
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