(GDOT) Green Dot - Overview
Stock: Debit Cards, Deposit Accounts, Cash Transfers, Tax Refunds, Business Lending
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 54.6% |
| Relative Tail Risk | -16.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.69 |
| Alpha | 16.48 |
| Character TTM | |
|---|---|
| Beta | 1.334 |
| Beta Downside | 1.426 |
| Drawdowns 3y | |
|---|---|
| Max DD | 69.62% |
| CAGR/Max DD | -0.18 |
Description: GDOT Green Dot December 26, 2025
Green Dot Corporation (NYSE: GDOT) is a U.S.-based fintech and registered bank holding company that delivers deposit-account programs (checking, prepaid debit, and secured credit) and money-movement services (cash-in/out, bill-pay, wage disbursement) to both consumers and businesses across three segments: Consumer Services, Business-to-Business Services, and Money-Movement Services. Its ancillary offerings include tax-refund processing, small-business lending to tax-preparation firms, and fast-cash advances for refund recipients.
As of FY 2023, GDOT reported roughly $1.2 billion in total revenue and a net income of $140 million, translating to an EPS of $0.30 and a modest 5 % YoY revenue growth driven primarily by expanding prepaid-card volume and higher fee income from cash-processing services. Key economic drivers include the continued low-interest-rate environment that sustains demand for alternative banking products, and the rise of gig-economy workers who rely on instant-access cash solutions. Sector-wide, the consumer-finance sub-industry faces heightened competition from digital-only banks and regulatory scrutiny over prepaid-card fees, which could compress margins if not managed.
For a deeper, data-driven view of GDOT’s valuation and peer landscape, the ValueRay platform provides a concise, research-ready snapshot.
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 -1.31%, over one month by -6.82%, over three months by +2.30% and over the past year by +34.00%.
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 | 34.2% |
| Analysts Target Price | 16.1 | 34.2% |
| ValueRay Target Price | 11.6 | -3.2% |
GDOT Fundamental Data Overview February 03, 2026
P/S = 0.339
P/B = 0.7554
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 = -890.3m USD (680.5m + Debt 66.5m - CCE 1.64b)
Interest Coverage Ratio = 12.10 (Ebit TTM 69.8m / Interest Expense TTM 5.77m)
EV/FCF = -9.16x (Enterprise Value -890.3m / FCF TTM 97.2m)
FCF Yield = -10.92% (FCF TTM 97.2m / Enterprise Value -890.3m)
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 -890.3m / 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 = 10.03% (E(680.5m)/V(747.0m) * Re(10.83%) + D(66.5m)/V(747.0m) * Rd(2.34%) * (1-Tc(0.21)))
Discount Rate = 10.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.61%
[DCF Debug] Terminal Value 61.65% ; FCFF base≈97.2m ; Y1≈63.8m ; Y5≈29.1m
Fair Price DCF = 35.88 (EV 422.6m - Net Debt -1.57b = Equity 1.99b / Shares 55.5m; r=10.03% [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 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=+11.6%