Overview Dividends

(GDOT) Green Dot - Ratings and Ratios

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

Debit Cards,Checking Accounts,Prepaid Cards,Gift Cards,Secured Credit

Consumer Finance
Market Cap in USD: 711m

IPO / Inception: 2010-07-22
Return 12m vs S&P 500: 7.58%

EPS (Earnings per Share)

EPS CAGR: -33.04%
EPS Trend: -37.3%

Last SUE: 0.89
Qual. Beats: 1

Revenue

Rev. CAGR: 11.33%
Rev. Trend: 81.3%

Last SUE: 0.53
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	54.5%
Value at Risk 5%th	75.0%
Relative Tail Risk	-16.38%

Reward TTM
Sharpe Ratio	0.54
Alpha	-1.89
CAGR/Max DD	-0.07

Character TTM
Hurst Exponent	0.662
Beta	1.310
Beta Downside	1.523

Drawdowns 3y
Max DD	69.62%
Mean DD	41.04%
Median DD	47.70%

Description: GDOT Green Dot October 23, 2025

Green Dot Corporation (NYSE:GDOT) is a fintech-focused bank holding company that delivers deposit-account programs, reloadable prepaid cards, and secured-credit products to both consumers and small businesses across the United States. Its operations are organized into three segments-Consumer Services, Business-to-Business Services, and Money-Movement Services-covering everything from cash-in-store deposits and bill-pay to wage-disbursement and tax-refund advances.

In FY 2023 the company reported approximately $1.5 billion in revenue, a 9 % year-over-year increase driven largely by growth in its prepaid-card transaction volume, which surpassed $120 billion in annual spend. Net income turned positive at $45 million, reflecting improved cost efficiency after a 2022 restructuring that reduced SG&A expenses by roughly 6 %.

Key drivers of GDOT’s outlook include (1) the continued shift of under-banked consumers toward low-fee, digitally enabled checking alternatives; (2) rising employer adoption of on-demand wage-access solutions, which fuels Money-Movement Services; and (3) macro-economic factors such as consumer discretionary spending and unemployment rates, which directly affect prepaid-card usage and tax-refund loan demand. The broader consumer-finance sector is also sensitive to regulatory changes around prepaid-card fees and KYC compliance.

For a deeper quantitative assessment of GDOT’s valuation metrics, you may find ValueRay’s analytical tools useful.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (-46.9m TTM) > 0 and > 6% of Revenue (6% = 120.8m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 1.74pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -110.2% (prev -127.6%; Δ 17.40pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.03 (>3.0%) and CFO 178.0m > Net Income -46.9m (YES >=105%, WARN >=100%)

Net Debt (-1.57b) to EBITDA (153.6m) ratio: -10.22 <= 3.0 (WARN <= 3.5)

Current Ratio 0.54 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (55.4m) change vs 12m ago 3.12% (target <= -2.0% for YES)

Gross Margin 29.32% (prev 35.70%; Δ -6.38pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 36.42% (prev 30.93%; Δ 5.49pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 12.10 (EBITDA TTM 153.6m / Interest Expense TTM 5.77m) >= 6 (WARN >= 3)

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 (Balance) 691.6m / Total Assets 5.77b

(D) 0.10 = Book Value of Equity 491.4m / Total Liabilities 4.85b

Total Rating: -1.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 48.20

1. Piotroski 3.50pt

2. FCF Yield -11.31%

3. FCF Margin 4.83%

4. Debt/Equity 0.07

5. Debt/Ebitda -10.22

6. ROIC - WACC (= -3.90)%

7. RoE -5.14%

8. Rev. Trend 81.30%

9. EPS Trend -37.27%

What is the price of GDOT shares?

As of December 24, 2025, the stock is trading at USD 13.02 with a total of 342,576 shares traded.
Over the past week, the price has changed by +1.56%, over one month by +10.25%, over three months by -12.03% and over the past year by +25.92%.

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.

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	16.1	23.9%
Analysts Target Price	16.1	23.9%
ValueRay Target Price	13.1	0.6%

GDOT Fundamental Data Overview December 19, 2025

Market Cap USD = 711.0m (711.0m USD * 1.0 USD.USD)
P/E Forward = 23.6407
P/S = 0.3542
P/B = 0.7797
P/EG = 1.49
Beta = 0.84
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 = -859.7m USD (711.0m + Debt 66.5m - CCE 1.64b)
Interest Coverage Ratio = 12.10 (Ebit TTM 69.8m / Interest Expense TTM 5.77m)
FCF Yield = -11.31% (FCF TTM 97.2m / Enterprise Value -859.7m)
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 = -0.15 (set to none) (Enterprise Value -859.7m / Total Assets 5.77b)
Interest Expense / Debt = 2.34% (Interest Expense 1.55m / Debt 66.5m)
Taxrate = 13.81% (-4.93m / -35.7m)
NOPAT = 60.2m (EBIT 69.8m * (1 - 13.81%))
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 = -0.81% (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 = 6.18% (NOPAT 60.2m / Invested Capital 973.5m)
WACC = 10.08% (E(711.0m)/V(777.6m) * Re(10.84%) + D(66.5m)/V(777.6m) * Rd(2.34%) * (1-Tc(0.14)))
Discount Rate = 10.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.61%
[DCF Debug] Terminal Value 58.99% ; FCFE base≈97.2m ; Y1≈63.8m ; Y5≈29.2m
Fair Price DCF = 6.99 (DCF Value 388.5m / Shares Outstanding 55.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -37.27 | EPS CAGR: -33.04% | SUE: 0.89 | # QB: 1
Revenue Correlation: 81.30 | Revenue CAGR: 11.33% | SUE: 0.53 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.80 | Chg30d=+0.020 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=1.49 | Chg30d=+0.017 | Revisions Net=+2 | Growth EPS=+6.9% | Growth Revenue=+11.7%

Additional Sources for GDOT Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle