GDOT

Green Dot Corporation

Fundamental data last updated:November 5, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

11/09/2026

Business Summary

Green Dot Corporation operates as a financial technology and bank holding company, delivering a broad spectrum of financial products and services to individuals and businesses throughout the United States. Its business is organized into three principal segments: Consumer Services, Business-to-Business Solutions, and Money Movement Services. Among its diverse offerings are deposit account programs, which include checking accounts for individual consumers and small enterprises, as well as network-branded reloadable prepaid debit cards, gift cards, and secured credit facilities. Moreover, Green Dot provides comprehensive money processing services. These encompass cash transfer services, allowing patrons to deposit, pick up cash, or pay bills with cash directly at the point-of-sale at any participating retail location. Furthermore, their "Simply Paid" disbursement services facilitate the distribution of wages and authorized funds into either its own deposit account programs or accounts managed by third-party banks or program managers. The company also extends into tax processing services. These include technology for tax refund transfers, streamlining the receipt of taxpayers' refund proceeds. It also provides small business lending to independent tax preparation providers seeking modest advances, along with "Fast Cash Advance" loans for individuals awaiting tax refunds. Founded in 1999, Green Dot Corporation has its principal office located in Austin, Texas.

 


VALUATION

P/E

-25.36

Market Cap ($M USD)

$688.95M

Forward P/E

8.40

PEG

-7.82

PRICE TO SALES

0.30

PRICE TO BOOK

0.72

EV / EBITDA

-3.11

5-Year Average P/E

Free Cash Flow Yield

16.89%

DCF Value

$51.31

Graham Number

N/A

Price to FCF

5.92

EV to FCF

-3.34

Earnings Yield

-3.82%

FCF Yield

16.89%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$0.46

Next Year EPS Growth Estimate

$1.44

Next Year Revenue Growth Estimate

$2.38B

Return on Equity (ROE)

-2.82%

FREE CASH FLOW

Operating Margin

0.70%

Debt-to-Equity

0.07

Piotroski F-Score

3

Altman Z-Score

0.06

Return on Invested Capital (ROIC)

1.59%

Current Ratio

0.45

Quick Ratio

0.45

Net Debt to EBITDA

-8.61

Interest Coverage

5.05

Gross Profit margin

24.46%

FCF PER SHARE

$2.07

REVENUE PER SHARE

$40.34

Gainseekers Quantitative Analysis

Summary

The market seems to be severely mispricing Green Dot Corporation. Despite a DCF value significantly higher than recent pricing, the stock trades at a discount, suggesting potential upside. However, the negative P/E ratio and a dismal Altman Z-score indicate financial distress and potential risk of insolvency. The forward P/E offers a glimmer of hope, but the negative earnings yield underscores the current lack of profitability. Overall, the valuation reflects a company in transition, with substantial risks and opportunities.

AI Exposure / Tech Reliance

Operating within the Financial - Credit Services industry, Green Dot is positioned to leverage AI and tech advancements to streamline operations and enhance customer experience. The sector's digital transformation could offer new revenue streams and efficiency gains. However, the company must innovate rapidly to stay competitive.

The Bull Case

For value investors, Green Dot presents a compelling opportunity. The ROIC of 5.78% suggests efficient capital allocation, while a robust FCF yield indicates strong cash generation potential. Despite a low Piotroski F-Score, the operating margin of 2.65% hints at some pricing power. These metrics suggest a company that, while currently undervalued, has the potential for significant upside as it stabilizes.

The Bear Case

The bear case for Green Dot is hard to ignore. A negative P/E and earnings yield highlight ongoing profitability issues, while the Altman Z-score signals financial instability. The current ratio and quick ratio both below 1 indicate liquidity concerns, raising questions about short-term financial health. Despite trading below its book value, these structural weaknesses present significant risks.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$19.08

Institutional Ownership %

1-Year Beta

0.84

Insider Buying % (6 Mo)

Distance to 52-Week High

13.73%

Distance to 52-Week Low

16.46%

EARNINGS SURPRISE %

-29.73%

50-DAY SMA

$12.86

200-DAY SMA

$12.52

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.