GDOT Stock Analysis: Green Dot | NYSE
Credit Services | NYSE, USA | Market Cap: 695m USD | 12M Return: -2% | US39304D1028 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.13M
EPS Trend: -57.3%
Qual. Beats: 0
Rev. Trend: 99.3%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 (NYSE: GDOT) is a financial technology company and registered bank holding company that provides banking and payment services to U.S. consumers and businesses. It operates through three segments: Consumer Services, Business to Business (B2B) Services, and Money Movement Services. As a leading player in the prepaid debit card industry, Green Dot is well known for distributing its products through major retail partners, including its long-standing relationship with Walmart to serve underbanked consumers.
The companys offerings include deposit account programs, reloadable prepaid debit cards, gift cards, and secured credit programs. It also provides money processing services that allow consumers to deposit cash, pay bills, and pick up funds at point-of-sale locations through partner retailers, along with disbursement services for payroll and authorized funds transfers to third-party bank accounts. Additionally, Green Dot offers tax-related services, including refund transfers, small business lending to independent tax preparers, and fast cash advances for refund recipients.
Founded in 1999 and headquartered in Provo, Utah, Green Dot went public in July 2010. The company operates Green Dot Bank, an FDIC-insured institution, which underpins its Banking-as-a-Service (BaaS) model, enabling the company to provide its regulated banking infrastructure and rails to other fintechs, program managers, and corporate partners.
- Prepaid debit card revenue pressured by digital wallet competition
- B2B banking-as-a-service partnerships accelerate segment growth
- Tax processing fees decline as IRS direct deposit adoption rises
| 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 (125.2m): -8.59 < 3 |
| Current Ratio: 0.45 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.0m) vs 12m ago 5.29% < -2% |
| Gross Margin: 24.46% > 18% (prev 30.49%; Δ -6.04% > 0.5%) |
| Asset Turnover: 38.55% > 50% (prev 34.53%; Δ 4.02% > 0%) |
| Interest Coverage Ratio: 5.45 > 6 (EBIT TTM 34.3m / 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: 0.01 (EBIT TTM 34.3m / Avg Total Assets 5.89b) |
| D: 0.18 (Book Value of Equity 939.4m / Total Liabilities 5.25b) |
| Altman-Z'' = -2.45 = D |
| DSRI: 1.07 (Receivables 139.4m/110.5m, Revenue 2.27b/1.93b) |
| GMI: 1.25 (GM 30.49% / 24.46%) |
| 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 = -2.33 (Cap -4..+1) = BBB |
As of October 18, 2026, the stock is trading at USD 12.20 with a total of 354,288 shares traded. Over the past week, the price has changed by -3.25%, over one month by -7.44%, over three months by -8.96% and over the past year by -2.01%.
Current recommended Stop Loss: 11.90 (which is 2.5% or 1.2 ATR below the current price).
Green Dot has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold GDOT.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 16.1 | 32.2% |
P/E Forward = 23.753
P/S = 0.3038
P/B = 0.7898
P/EG = 1.2309
Revenue TTM = 2.27b USD
EBIT TTM = 34.3m USD
EBITDA TTM = 125.2m USD
Long Term Debt = 63.7m USD (from longTermDebt, last quarter)
Short Term Debt = 356k USD (from shortTermDebt, last quarter)
Debt = 67.3m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.77m
Net Debt = -1.08b USD (calculated: Debt 67.3m - CCE 1.14b)
Enterprise Value = 695.2m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 5.45 (Ebit TTM 34.3m / Interest Expense TTM 6.29m)
EV/FCF = 5.98x (Enterprise Value 695.2m / FCF TTM 116.3m)
FCF Yield = 16.73% (FCF TTM 116.3m / Enterprise Value 695.2m)
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 = 24.46% ((Revenue TTM 2.27b - Cost of Revenue TTM 1.71b) / Revenue TTM)
Gross Margin QoQ = 19.87% (prev 30.26%)
Tobins Q-Ratio = 0.11 (Enterprise Value 695.2m / Total Assets 6.19b)
Interest Expense / Debt = 9.35% (Interest Expense 6.29m / Debt 67.3m)
Taxrate = 21.0% (US federal default 21%)
NOPAT = 27.1m (EBIT 34.3m * (1 - 21.00%))
Current Ratio = 0.45 (Total Current Assets 2.32b / Total Current Liabilities 5.19b)
Debt / Equity = 0.07 (Debt 67.3m / totalStockholderEquity, last quarter 939.4m)
Debt / EBITDA = -8.59 (Net Debt -1.08b / EBITDA 125.2m)
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 = 3.48% (EBIT 34.3m / Capital Employed (Equity 920.9m + L.T.Debt 63.7m))
RoIC = 3.04% (NOPAT 27.1m / Invested Capital 891.6m)
WACC = 10.85% (E(695.2m)/V(762.5m) * Re(11.18%) + D(67.3m)/V(762.5m) * Rd(9.35%) * (1-Tc(0.21)))
Discount Rate = 11.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 93.03 | Cagr: 3.89%
[DCF] Terminal Value 70.34% ; FCFF base≈92.5m ; Y1≈106.0m ; Y5≈156.0m
[DCF] Fair Price = 47.46 (EV 1.63b - Net Debt -1.08b = Equity 2.70b / Shares 57.0m; r=10.85% [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=0.07 | Chg30d=-36.36% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.44 | Chg30d=-16.28% | Revisions=+40% | GrowthEPS=+2.1% | GrowthRev=+15.2%
EPS next Year (2027-12-31): EPS=1.50 | Chg30d=-10.18% | Revisions=+0% | GrowthEPS=+4.2% | GrowthRev=+6.7%