GREEN DOT CORP-CLASS A (GDOT) Fundamental Analysis & Valuation

NYSE:GDOT • US39304D1028

Current stock price

11.3 USD
-0.02 (-0.18%)
Last:

This GDOT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. GDOT Profitability Analysis

1.1 Basic Checks

  • GDOT had positive earnings in the past year.
  • GDOT had a positive operating cash flow in the past year.
  • Of the past 5 years GDOT 4 years were profitable.
  • Each year in the past 5 years GDOT had a positive operating cash flow.
GDOT Yearly Net Income VS EBIT VS OCF VS FCFGDOT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

1.2 Ratios

  • GDOT has a Return On Assets of -0.81%. This is amonst the worse of the industry: GDOT underperforms 87.04% of its industry peers.
  • GDOT has a Return On Equity of -5.14%. This is amonst the worse of the industry: GDOT underperforms 87.04% of its industry peers.
  • GDOT has a Return On Invested Capital (1.21%) which is in line with its industry peers.
  • GDOT had an Average Return On Invested Capital over the past 3 years of 0.95%. This is significantly below the industry average of 12.42%.
  • The 3 year average ROIC (0.95%) for GDOT is below the current ROIC(1.21%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -0.81%
ROE -5.14%
ROIC 1.21%
ROA(3y)0.33%
ROA(5y)0.51%
ROE(3y)1.97%
ROE(5y)2.51%
ROIC(3y)0.95%
ROIC(5y)1.03%
GDOT Yearly ROA, ROE, ROICGDOT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • With a Operating Margin value of 3.95%, GDOT is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
  • GDOT's Operating Margin has declined in the last couple of years.
  • The Profit Margin and Gross Margin are not available for GDOT so they could not be analyzed.
Industry RankSector Rank
OM 3.95%
PM (TTM) N/A
GM N/A
OM growth 3Y-22.65%
OM growth 5Y-27.98%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
GDOT Yearly Profit, Operating, Gross MarginsGDOT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. GDOT Health Analysis

2.1 Basic Checks

  • GDOT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • GDOT has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, GDOT has more shares outstanding
  • GDOT has a worse debt/assets ratio than last year.
GDOT Yearly Shares OutstandingGDOT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
GDOT Yearly Total Debt VS Total AssetsGDOT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • GDOT has an Altman-Z score of 0.18. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
  • GDOT has a Altman-Z score of 0.18. This is comparable to the rest of the industry: GDOT outperforms 40.74% of its industry peers.
  • The Debt to FCF ratio of GDOT is 43.92, which is on the high side as it means it would take GDOT, 43.92 years of fcf income to pay off all of its debts.
  • GDOT has a Debt to FCF ratio (43.92) which is in line with its industry peers.
  • GDOT has a Debt/Equity ratio of 4.69. This is a high value indicating a heavy dependency on external financing.
  • GDOT has a Debt to Equity ratio of 4.69. This is in the lower half of the industry: GDOT underperforms 64.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.69
Debt/FCF 43.92
Altman-Z 0.18
ROIC/WACC0.48
WACC2.53%
GDOT Yearly LT Debt VS Equity VS FCFGDOT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
  • With a Current ratio value of 0.54, GDOT is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.54 indicates that GDOT may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.54, GDOT is doing worse than 62.96% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.54
Quick Ratio 0.54
GDOT Yearly Current Assets VS Current LiabilitesGDOT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. GDOT Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 72.97% over the past year.
  • Measured over the past years, GDOT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.01% on average per year.
  • The Revenue has grown by 23.12% in the past year. This is a very strong growth!
  • Measured over the past years, GDOT shows a quite strong growth in Revenue. The Revenue has been growing by 9.23% on average per year.
EPS 1Y (TTM)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
Revenue 1Y (TTM)23.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.67% on average over the next years.
  • Based on estimates for the next years, GDOT will show a quite strong growth in Revenue. The Revenue will grow by 16.81% on average per year.
EPS Next Y3.74%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year22.23%
Revenue Next 2Y16.81%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
GDOT Yearly Revenue VS EstimatesGDOT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B
GDOT Yearly EPS VS EstimatesGDOT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. GDOT Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.89, the valuation of GDOT can be described as very cheap.
  • 66.67% of the companies in the same industry are more expensive than GDOT, based on the Price/Earnings ratio.
  • GDOT is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
  • GDOT is valuated cheaply with a Price/Forward Earnings ratio of 7.44.
  • Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than 61.11% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (24.12), we can say GDOT is valued rather cheaply.
Industry RankSector Rank
PE 5.89
Fwd PE 7.44
GDOT Price Earnings VS Forward Price EarningsGDOT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GDOT is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 6.44
EV/EBITDA -5.8
GDOT Per share dataGDOT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • GDOT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.57
PEG (5Y)N/A
EPS Next 2Y5.33%
EPS Next 3Y6.67%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. GDOT Dividend Analysis

5.1 Amount

  • GDOT does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

GDOT Fundamentals: All Metrics, Ratios and Statistics

GREEN DOT CORP-CLASS A

NYSE:GDOT (3/18/2026, 2:37:00 PM)

11.3

-0.02 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)05-06
Inst Owners84.88%
Inst Owner Change3.13%
Ins Owners1.58%
Ins Owner Change-0.07%
Market Cap627.72M
Revenue(TTM)2.01B
Net Income(TTM)-46.94M
Analysts77.78
Price Target16.45 (45.58%)
Short Float %3.91%
Short Ratio3.09
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)141.61%
Min EPS beat(2)117.87%
Max EPS beat(2)165.36%
EPS beat(4)4
Avg EPS beat(4)85.27%
Min EPS beat(4)10.9%
Max EPS beat(4)165.36%
EPS beat(8)5
Avg EPS beat(8)35.68%
EPS beat(12)7
Avg EPS beat(12)26.98%
EPS beat(16)10
Avg EPS beat(16)24.19%
Revenue beat(2)1
Avg Revenue beat(2)0.21%
Min Revenue beat(2)-0.04%
Max Revenue beat(2)0.47%
Revenue beat(4)3
Avg Revenue beat(4)3.42%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.87%
Revenue beat(8)7
Avg Revenue beat(8)3.34%
Revenue beat(12)11
Avg Revenue beat(12)3.86%
Revenue beat(16)14
Avg Revenue beat(16)3.38%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 5.89
Fwd PE 7.44
P/S 0.31
P/FCF 6.44
P/OCF 3.52
P/B 0.69
P/tB 1.18
EV/EBITDA -5.8
EPS(TTM)1.92
EY16.99%
EPS(NY)1.52
Fwd EY13.45%
FCF(TTM)1.75
FCFY15.52%
OCF(TTM)3.21
OCFY28.42%
SpS36.24
BVpS16.44
TBVpS9.59
PEG (NY)1.57
PEG (5Y)N/A
Graham Number26.65
Profitability
Industry RankSector Rank
ROA -0.81%
ROE -5.14%
ROCE 8.12%
ROIC 1.21%
ROICexc 1.76%
ROICexgc 1.98%
OM 3.95%
PM (TTM) N/A
GM N/A
FCFM 4.84%
ROA(3y)0.33%
ROA(5y)0.51%
ROE(3y)1.97%
ROE(5y)2.51%
ROIC(3y)0.95%
ROIC(5y)1.03%
ROICexc(3y)1.22%
ROICexc(5y)1.43%
ROICexgc(3y)1.39%
ROICexgc(5y)1.7%
ROCE(3y)6.17%
ROCE(5y)5.93%
ROICexgc growth 3Y-21.13%
ROICexgc growth 5Y-42.77%
ROICexc growth 3Y-20.1%
ROICexc growth 5Y-36.75%
OM growth 3Y-22.65%
OM growth 5Y-27.98%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 4.69
Debt/FCF 43.92
Debt/EBITDA 26.26
Cap/Depr 96.95%
Cap/Sales 4.02%
Interest Coverage 7.13
Cash Conversion 109.48%
Profit Quality N/A
Current Ratio 0.54
Quick Ratio 0.54
Altman-Z 0.18
F-Score6
WACC2.53%
ROIC/WACC0.48
Cap/Depr(3y)94.61%
Cap/Depr(5y)84.01%
Cap/Sales(3y)5.06%
Cap/Sales(5y)4.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)72.97%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%-53.85%
EPS Next Y3.74%
EPS Next 2Y5.33%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)23.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%20.76%
Revenue Next Year22.23%
Revenue Next 2Y16.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y293.87%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1514.98%
EBIT Next 3Y167.2%
EBIT Next 5YN/A
FCF growth 1Y23.64%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y12.92%
OCF growth 3Y-21.31%
OCF growth 5Y-15.59%

GREEN DOT CORP-CLASS A / GDOT Fundamental Analysis FAQ

What is the ChartMill fundamental rating of GREEN DOT CORP-CLASS A (GDOT) stock?

ChartMill assigns a fundamental rating of 3 / 10 to GDOT.


What is the valuation status for GDOT stock?

ChartMill assigns a valuation rating of 5 / 10 to GREEN DOT CORP-CLASS A (GDOT). This can be considered as Fairly Valued.


What is the profitability of GDOT stock?

GREEN DOT CORP-CLASS A (GDOT) has a profitability rating of 3 / 10.


What is the financial health of GREEN DOT CORP-CLASS A (GDOT) stock?

The financial health rating of GREEN DOT CORP-CLASS A (GDOT) is 1 / 10.


Can you provide the expected EPS growth for GDOT stock?

The Earnings per Share (EPS) of GREEN DOT CORP-CLASS A (GDOT) is expected to grow by 3.74% in the next year.