GDOT Stock Analysis: Green Dot | NYSE
Credit Services | NYSE, USA | Market Cap: 766m USD | 12M Return: -4.2% | US39304D1028 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.93M
EPS Trend: -57.3%
Qual. Beats: 0
Rev. Trend: 99.3%
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Green Dot Corporation is a financial technology and bank holding company headquartered in Provo, Utah, that delivers a range of consumer and business financial services across the United States. It operates through three segments-Consumer Services, Business to Business (B2B) Services, and Money Movement Services-offering deposit account programs, network-branded reloadable prepaid debit cards and gift cards, secured credit products, and point-of-sale cash transfer, bill payment, and disbursement services. The company also provides tax-related financial services, including tax refund transfer processing, small business lending to independent tax preparers, and fast cash advance loans tied to expected refunds. Founded in 1999 and listed on the NYSE since 2010, Green Dot is part of the Consumer Finance sub-industry within the Financials sector, serving primarily underbanked and underserved consumers who rely on prepaid and alternative banking products rather than traditional checking accounts at large commercial banks. Its business model combines a fintech technology platform with bank holding company status, allowing it to issue its own deposit accounts while partnering with major retailers to distribute reloadable card products and money movement services at scale.
- Apple Cash card partnership drives B2B segment revenue
- Net interest margin compresses as Fed cuts rates
- Cash App and PayPal competition pressures prepaid card market share
| Net Income: -25.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.86 > 1.0 |
| NWC/Revenue: -126.5% < 20% (prev -74.51%; Δ -51.95% < -1%) |
| CFO/TA 0.03 > 3% & CFO 155.5m > Net Income -25.9m |
| Net Debt (-1.08b) to EBITDA (72.5m): -14.85 < 3 |
| Current Ratio: 0.45 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.0m) vs 12m ago 5.29% < -2% |
| Gross Margin: 25.33% > 18% (prev 30.49%; Δ -5.16% > 0.5%) |
| Asset Turnover: 38.55% > 50% (prev 34.53%; Δ 4.02% > 0%) |
| Interest Coverage Ratio: 4.54 > 6 (EBIT TTM 28.6m / Interest Expense TTM 6.29m) |
| A: -0.46 (Total Current Assets 2.32b - Total Current Liabilities 5.19b) / Total Assets 6.19b |
| B: 0.11 (Retained Earnings 696.4m / Total Assets 6.19b) |
| C: 0.00 (EBIT TTM 28.6m / Avg Total Assets 5.89b) |
| D: 0.18 (Book Value of Equity 939.4m / Total Liabilities 5.25b) |
| Altman-Z'' = -2.45 = D |
| DSRI: 1.06 (Receivables 137.8m/110.5m, Revenue 2.27b/1.93b) |
| GMI: 1.20 (GM 30.49% / 25.33%) |
| AQI: 1.49 (AQ_t 0.59 / AQ_t-1 0.40) |
| SGI: 1.18 (Revenue 2.27b / 1.93b) |
| TATA: -0.03 (NI -25.9m - CFO 155.5m) / TA 6.19b) |
| Beneish M = -2.38 (Cap -4..+1) = BBB |
As of August 19, 2026, the stock is trading at USD 13.51 with a total of 319,959 shares traded. Over the past week, the price has changed by +0.75%, over one month by +0.97%, over three months by +6.97% and over the past year by -4.18%.
Current recommended Stop Loss: 12.80 (which is 5.3% or 2.6 ATR below the current price).
Green Dot has received a consensus analysts rating of 3.60. Therefore, it is recommended to hold GDOT.
- StrongBuy: 2
- Buy: 0
- Hold: 2
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 16.1 | 19.4% |
P/E Forward = 23.753
P/S = 0.335
P/B = 0.7992
P/EG = 1.2309
Revenue TTM = 2.27b USD
EBIT TTM = 28.6m USD
EBITDA TTM = 72.5m USD
Long Term Debt = 63.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 356k USD (from shortTermDebt, last quarter)
Debt = 67.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.88m
Net Debt = -1.08b USD (calculated: Debt 67.4m - CCE 1.14b)
Enterprise Value = 766.5m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 4.54 (Ebit TTM 28.6m / Interest Expense TTM 6.29m)
EV/FCF = 6.59x (Enterprise Value 766.5m / FCF TTM 116.3m)
FCF Yield = 15.18% (FCF TTM 116.3m / Enterprise Value 766.5m)
FCF Margin = 5.13% (FCF TTM 116.3m / Revenue TTM 2.27b)
Net Margin = -1.14% (Net Income TTM -25.9m / Revenue TTM 2.27b)
Gross Margin = 25.33% ((Revenue TTM 2.27b - Cost of Revenue TTM 1.69b) / Revenue TTM)
Gross Margin QoQ = 23.20% (prev 30.26%)
Tobins Q-Ratio = 0.12 (Enterprise Value 766.5m / Total Assets 6.19b)
Interest Expense / Debt = 9.34% (Interest Expense 6.29m / Debt 67.4m)
Taxrate = 21.0% (US federal default 21%)
NOPAT = 22.6m (EBIT 28.6m * (1 - 21.00%))
Current Ratio = 0.45 (Total Current Assets 2.32b / Total Current Liabilities 5.19b)
Debt / Equity = 0.07 (Debt 67.4m / totalStockholderEquity, last quarter 939.4m)
Debt / EBITDA = -14.85 (Net Debt -1.08b / EBITDA 72.5m)
Debt / FCF = -9.25 (Net Debt -1.08b / FCF TTM 116.3m)
Total Stockholder Equity = 920.9m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.44% (Net Income -25.9m / Total Assets 6.19b)
RoE = -2.82% (Net Income TTM -25.9m / Total Stockholder Equity 920.9m)
RoCE = 2.90% (EBIT 28.6m / Capital Employed (Equity 920.9m + L.T.Debt 63.5m))
RoIC = 2.53% (NOPAT 22.6m / Invested Capital 891.6m)
WACC = 11.45% (E(766.5m)/V(833.8m) * Re(11.81%) + D(67.4m)/V(833.8m) * Rd(9.34%) * (1-Tc(0.21)))
Discount Rate = 11.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 93.03 | Cagr: 3.89%
[DCF] Terminal Value 68.62% ; FCFF base≈92.5m ; Y1≈106.0m ; Y5≈156.0m
[DCF] Fair Price = 45.45 (EV 1.51b - Net Debt -1.08b = Equity 2.59b / Shares 57.0m; r=11.45% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -57.26 | EPS CAGR: -24.48% | SUE: -0.30 | # QB: 0
Revenue Correlation: 99.30 | Revenue CAGR: 18.21% | SUE: 2.68 | # QB: 3
EPS current Quarter (2026-09-30): EPS=0.10 | Chg30d=-4.55% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=1.51 | Chg30d=+1.57% | Revisions=+40% | GrowthEPS=+7.1% | GrowthRev=+9.2%
EPS next Year (2027-12-31): EPS=1.67 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+10.6% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: +17% (up=2, down=1)