(GDOT) Green Dot - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 641m USD | Total Return: 61.4% in 12m

Prepaid Cards, Checking Accounts, Lending, Money Transfer

Total Rating 35

Safety 29

Buy Signal 0.48

Credit Services
Industry Rotation: +6.2

Market Cap: 641M
Avg Turnover: 7.11M USD

ATR: 2.37%
Peers RS (IBD): 75.0

Risk 5d forecast

Volatility47.5%

Rel. Tail Risk-13.2%

Reward TTM

Sharpe Ratio1.00

Alpha1.27

Character TTM

Beta2.072

Beta Downside2.191

Drawdowns 3y

Max DD69.62%

CAGR/Max DD-0.16

EPS (Earnings per Share)

EPS CAGR: -62.73%
EPS Trend: -63.0%

Last SUE: -1.84
Qual. Beats: 0

Revenue

Rev. CAGR: 7.35%
Rev. Trend: 81.7%

Last SUE: 0.98
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: GDOT Green Dot

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.

Headlines to Watch Out For

Prepaid card sales drive Consumer Services revenue
B2B partnerships expand financial services offerings
Regulatory scrutiny impacts fintech product development
Interest rate changes affect deposit account profitability
Cash processing volumes influence Money Movement segment

Piotroski VR‑10 (Strict) 3.5

Net Income: -98.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.88 > 1.0
NWC/Revenue: -114.8% < 20% (prev -120.3%; Δ 5.49% < -1%)
CFO/TA 0.02 > 3% & CFO 138.6m > Net Income -98.9m
Net Debt (-1.36b) to EBITDA (140.7m): -9.64 < 3
Current Ratio: 0.52 > 1.5 & < 3
Outstanding Shares: last quarter (55.5m) vs 12m ago 3.67% < -2%
Gross Margin: 24.52% > 18% (prev 0.34%; Δ 2.42k% > 0.5%)
Asset Turnover: 36.44% > 50% (prev 31.72%; Δ 4.72% > 0%)
Interest Coverage Ratio: 8.97 > 6 (EBITDA TTM 140.7m / Interest Expense TTM 6.15m)

Altman Z'' -2.11

A: -0.40 (Total Current Assets 2.64b - Total Current Liabilities 5.03b) / Total Assets 5.99b
B: 0.11 (Retained Earnings 644.7m / Total Assets 5.99b)
C: 0.01 (EBIT TTM 55.2m / Avg Total Assets 5.71b)
D: 0.09 (Book Value of Equity 462.8m / Total Liabilities 5.09b)
Altman-Z'' Score: -2.11 = D

Beneish M -1.82

DSRI: 1.91 (Receivables 197.2m/85.4m, Revenue 2.08b/1.72b)
GMI: 1.37 (GM 24.52% / 33.65%)
AQI: 1.02 (AQ_t 0.53 / AQ_t-1 0.52)
SGI: 1.21 (Revenue 2.08b / 1.72b)
TATA: -0.04 (NI -98.9m - CFO 138.6m) / TA 5.99b)
Beneish M-Score: -1.82 (Cap -4..+1) = B

What is the price of GDOT shares? As of April 16, 2026, the stock is trading at USD 12.04 with a total of 347,116 shares traded.
Over the past week, the price has changed by +4.97%, over one month by +13.05%, over three months by -2.11% and over the past year by +61.39%.

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?

Analysts Target Price	16.1	34%

Green Dot (GDOT) - Fundamental Data Overview as of 14 April 2026

P/E Forward = 23.753
P/S = 0.3091
P/B = 0.7203
P/EG = 1.2309
Revenue TTM = 2.08b USD
EBIT TTM = 55.2m USD
EBITDA TTM = 140.7m USD
Long Term Debt = 63.5m USD (from longTermDebt, last quarter)
Short Term Debt = 325k USD (from shortTermDebt, last quarter)
Debt = 65.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.36b USD (from netDebt column, last quarter)
Enterprise Value = 641.2m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 8.97 (Ebit TTM 55.2m / Interest Expense TTM 6.15m)
EV/FCF = 10.61x (Enterprise Value 641.2m / FCF TTM 60.4m)
FCF Yield = 9.43% (FCF TTM 60.4m / Enterprise Value 641.2m)
FCF Margin = 2.91% (FCF TTM 60.4m / Revenue TTM 2.08b)
Net Margin = -4.75% (Net Income TTM -98.9m / Revenue TTM 2.08b)
Gross Margin = 24.52% ((Revenue TTM 2.08b - Cost of Revenue TTM 1.57b) / Revenue TTM)
Gross Margin QoQ = 10.94% (prev 24.36%)
Tobins Q-Ratio = 0.11 (Enterprise Value 641.2m / Total Assets 5.99b)
Interest Expense / Debt = 2.41% (Interest Expense 1.58m / Debt 65.5m)
Taxrate = 21.0% (US default 21%)
NOPAT = 43.6m (EBIT 55.2m * (1 - 21.00%))
Current Ratio = 0.52 (Total Current Assets 2.64b / Total Current Liabilities 5.03b)
Debt / Equity = 0.07 (Debt 65.5m / totalStockholderEquity, last quarter 890.2m)
Debt / EBITDA = -9.64 (Net Debt -1.36b / EBITDA 140.7m)
Debt / FCF = -22.44 (Net Debt -1.36b / FCF TTM 60.4m)
Total Stockholder Equity = 918.0m (last 4 quarters mean from totalStockholderEquity)
RoA = -1.73% (Net Income -98.9m / Total Assets 5.99b)
RoE = -10.77% (Net Income TTM -98.9m / Total Stockholder Equity 918.0m)
RoCE = 5.62% (EBIT 55.2m / Capital Employed (Equity 918.0m + L.T.Debt 63.5m))
RoIC = 4.44% (NOPAT 43.6m / Invested Capital 981.4m)
WACC = 12.23% (E(641.2m)/V(706.7m) * Re(13.28%) + D(65.5m)/V(706.7m) * Rd(2.41%) * (1-Tc(0.21)))
Discount Rate = 13.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.69%
[DCF] Terminal Value 54.19% ; FCFF base≈39.1m ; Y1≈25.7m ; Y5≈11.7m
[DCF] Fair Price = 26.85 (EV 135.9m - Net Debt -1.36b = Equity 1.49b / Shares 55.6m; r=12.23% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -63.01 | EPS CAGR: -62.73% | SUE: -1.84 | # QB: 0
Revenue Correlation: 81.66 | Revenue CAGR: 7.35% | SUE: 0.98 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.40 | Chg7d=+0.000 | Chg30d=+0.005 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=1.49 | Chg7d=+0.000 | Chg30d=-0.003 | Revisions Net=+0 | Growth EPS=+5.4% | Growth Revenue=+8.9%
EPS next Year (2027-12-31): EPS=1.67 | Chg7d=+1.670 | Chg30d=+1.670 | Revisions Net=+0 | Growth EPS=+12.3% | Growth Revenue=+5.9%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)

External Resources

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