GDOT

Green Dot Corporation

Fundamental data last updated:August 12, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Green Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company offers deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It also provides money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and simply paid disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services comprising tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Austin, Texas.

 


VALUATION

P/E

-10.18

Market Cap ($M USD)

$733.44M

Forward P/E

7.75

PEG

0.03

PRICE TO SALES

0.34

PRICE TO BOOK

0.77

EV / EBITDA

-6.54

5-Year Average P/E

Free Cash Flow Yield

6.43%

DCF Value

$53.40

Graham Number

N/A

Price to FCF

15.55

EV to FCF

-17.97

Earnings Yield

-9.83%

FCF Yield

6.43%

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

-$1.27

Next Year EPS Growth Estimate

$1.67

Next Year Revenue Growth Estimate

$2.39B

Return on Equity (ROE)

-7.74%

FREE CASH FLOW

Operating Margin

1.12%

Debt-to-Equity

0.07

Piotroski F-Score

3

Altman Z-Score

0.06

Return on Invested Capital (ROIC)

2.43%

Current Ratio

0.50

Quick Ratio

0.50

Net Debt to EBITDA

-12.20

Interest Coverage

7.62

Gross Profit margin

26.73%

FCF PER SHARE

$0.85

REVENUE PER SHARE

$39.07

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

$18.00

Institutional Ownership %

1-Year Beta

0.87

Insider Buying % (6 Mo)

Distance to 52-Week High

19.09%

Distance to 52-Week Low

29.52%

EARNINGS SURPRISE %

27.27%

50-DAY SMA

$12.04

200-DAY SMA

$12.47

⚠️ 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.