(GDOT) Green Dot - Overview
Stock: Prepaid Cards, Checking Accounts, Lending, Money Transfer
| 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)
Revenue
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?
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?
- 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/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%