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

NYSE:GDOT • US39304D1028

Current stock price

12.5575 USD
+0.01 (+0.06%)
Last:

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

2

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.
  • In multiple years GDOT reported negative net income over the last 5 years.
  • 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 2025 0 100M 200M

1.2 Ratios

  • With a Return On Assets value of -1.65%, GDOT is not doing good in the industry: 87.04% of the companies in the same industry are doing better.
  • GDOT has a worse Return On Equity (-11.11%) than 87.04% of its industry peers.
  • GDOT has a Return On Invested Capital of 0.65%. This is in the lower half of the industry: GDOT underperforms 61.11% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GDOT is significantly below the industry average of 9.54%.
  • The last Return On Invested Capital (0.65%) for GDOT is above the 3 year average (0.56%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -1.65%
ROE -11.11%
ROIC 0.65%
ROA(3y)-0.67%
ROA(5y)0.07%
ROE(3y)-4.46%
ROE(5y)-0.16%
ROIC(3y)0.56%
ROIC(5y)0.94%
GDOT Yearly ROA, ROE, ROICGDOT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • With a Operating Margin value of 2.11%, 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 2.11%
PM (TTM) N/A
GM N/A
OM growth 3Y-32.32%
OM growth 5Y-12.57%
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 2025 0 5 10

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1

2. GDOT Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GDOT is destroying value.
  • Compared to 1 year ago, GDOT has more shares outstanding
  • 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 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • GDOT has an Altman-Z score of 0.13. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
  • GDOT has a worse Altman-Z score (0.13) than 64.81% of its industry peers.
  • GDOT has a debt to FCF ratio of 67.86. This is a negative value and a sign of low solvency as GDOT would need 67.86 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 67.86, GDOT is in line with its industry, outperforming 40.74% of the companies in the same industry.
  • A Debt/Equity ratio of 5.03 is on the high side and indicates that GDOT has dependencies on debt financing.
  • With a Debt to Equity ratio value of 5.03, GDOT is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.03
Debt/FCF 67.86
Altman-Z 0.13
ROIC/WACC0.26
WACC2.45%
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 2025 200M 400M 600M 800M 1B

2.3 Liquidity

  • GDOT has a Current Ratio of 0.52. This is a bad value and indicates that GDOT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GDOT has a Current ratio (0.52) which is in line with its industry peers.
  • GDOT has a Quick Ratio of 0.52. This is a bad value and indicates that GDOT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GDOT's Quick ratio of 0.52 is in line compared to the rest of the industry. GDOT outperforms 40.74% of its industry peers.
Industry RankSector Rank
Current Ratio 0.52
Quick Ratio 0.52
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 2025 1B 2B 3B 4B 5B

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

5

3. GDOT Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.11% over the past year.
  • Measured over the past years, GDOT shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.44% on average per year.
  • GDOT shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.69%.
  • The Revenue has been growing by 10.66% on average over the past years. This is quite good.
EPS 1Y (TTM)5.11%
EPS 3Y-17.67%
EPS 5Y-7.44%
EPS Q2Q%-120%
Revenue 1Y (TTM)20.69%
Revenue growth 3Y12.8%
Revenue growth 5Y10.66%
Sales Q2Q%14.85%

3.2 Future

  • GDOT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.76% yearly.
  • Based on estimates for the next years, GDOT will show a small growth in Revenue. The Revenue will grow by 7.53% on average per year.
EPS Next Y5.07%
EPS Next 2Y8.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.4%
Revenue Next 2Y7.53%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
GDOT Yearly Revenue VS EstimatesGDOT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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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4

4. GDOT Valuation Analysis

4.1 Price/Earnings Ratio

  • GDOT is valuated reasonably with a Price/Earnings ratio of 8.72.
  • Based on the Price/Earnings ratio, GDOT is valued a bit cheaper than the industry average as 61.11% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, GDOT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.30, the valuation of GDOT can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as GDOT.
  • GDOT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.75.
Industry RankSector Rank
PE 8.72
Fwd PE 8.3
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 10.57
EV/EBITDA -5.11
GDOT Per share dataGDOT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.72
PEG (5Y)N/A
EPS Next 2Y8.76%
EPS Next 3YN/A

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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%

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Find the best dividend stocksShow peers with best dividend

GDOT Fundamentals: All Metrics, Ratios and Statistics

GREEN DOT CORP-CLASS A

NYSE:GDOT (5/1/2026, 9:54:11 AM)

12.5575

+0.01 (+0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength57.14
Industry Growth96.89
Earnings (Last)04-30
Earnings (Next)08-10
Inst Owners84.97%
Inst Owner Change1.52%
Ins Owners1.51%
Ins Owner Change-0.6%
Market Cap697.82M
Revenue(TTM)2.08B
Net Income(TTM)-98.87M
Analysts77.78
Price Target16.45 (31%)
Short Float %3.82%
Short Ratio3.74
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)93.46%
Min EPS beat(2)21.57%
Max EPS beat(2)165.36%
EPS beat(4)4
Avg EPS beat(4)87.94%
Min EPS beat(4)21.57%
Max EPS beat(4)165.36%
EPS beat(8)6
Avg EPS beat(8)40.69%
EPS beat(12)7
Avg EPS beat(12)24.62%
EPS beat(16)11
Avg EPS beat(16)26.49%
Revenue beat(2)0
Avg Revenue beat(2)-2.82%
Min Revenue beat(2)-5.6%
Max Revenue beat(2)-0.04%
Revenue beat(4)2
Avg Revenue beat(4)0.67%
Min Revenue beat(4)-5.6%
Max Revenue beat(4)7.87%
Revenue beat(8)6
Avg Revenue beat(8)2.4%
Revenue beat(12)10
Avg Revenue beat(12)3.05%
Revenue beat(16)13
Avg Revenue beat(16)2.7%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.15%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)-0.45%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)-1.89%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-2%
Valuation
Industry RankSector Rank
PE 8.72
Fwd PE 8.3
P/S 0.34
P/FCF 10.57
P/OCF 5.04
P/B 0.78
P/tB 1.35
EV/EBITDA -5.11
EPS(TTM)1.44
EY11.47%
EPS(NY)1.51
Fwd EY12.05%
FCF(TTM)1.19
FCFY9.46%
OCF(TTM)2.49
OCFY19.86%
SpS37.44
BVpS16.02
TBVpS9.28
PEG (NY)1.72
PEG (5Y)N/A
Graham Number22.7828 (81.43%)
Profitability
Industry RankSector Rank
ROA -1.65%
ROE -11.11%
ROCE 4.59%
ROIC 0.65%
ROICexc 0.88%
ROICexgc 0.97%
OM 2.11%
PM (TTM) N/A
GM N/A
FCFM 3.17%
ROA(3y)-0.67%
ROA(5y)0.07%
ROE(3y)-4.46%
ROE(5y)-0.16%
ROIC(3y)0.56%
ROIC(5y)0.94%
ROICexc(3y)0.76%
ROICexc(5y)1.25%
ROICexgc(3y)0.85%
ROICexgc(5y)1.44%
ROCE(3y)3.73%
ROCE(5y)5.85%
ROICexgc growth 3Y-27.85%
ROICexgc growth 5Y-15.76%
ROICexc growth 3Y-26.93%
ROICexc growth 5Y-13.31%
OM growth 3Y-32.32%
OM growth 5Y-12.57%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 5.03
Debt/FCF 67.86
Debt/EBITDA 34.61
Cap/Depr 84.82%
Cap/Sales 3.49%
Interest Coverage 3.55
Cash Conversion 107.05%
Profit Quality N/A
Current Ratio 0.52
Quick Ratio 0.52
Altman-Z 0.13
F-Score3
WACC2.45%
ROIC/WACC0.26
Cap/Depr(3y)88.02%
Cap/Depr(5y)87.27%
Cap/Sales(3y)4.28%
Cap/Sales(5y)4.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.11%
EPS 3Y-17.67%
EPS 5Y-7.44%
EPS Q2Q%-120%
EPS Next Y5.07%
EPS Next 2Y8.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.69%
Revenue growth 3Y12.8%
Revenue growth 5Y10.66%
Sales Q2Q%14.85%
Revenue Next Year9.4%
Revenue Next 2Y7.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y20.52%
EBIT growth 3Y-23.66%
EBIT growth 5Y-3.25%
EBIT Next Year685.38%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y830.34%
FCF growth 3Y-30.11%
FCF growth 5Y-15.16%
OCF growth 1Y70.25%
OCF growth 3Y-20.69%
OCF growth 5Y-7.91%

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.


How profitable is GREEN DOT CORP-CLASS A (GDOT) stock?

GREEN DOT CORP-CLASS A (GDOT) has a profitability rating of 2 / 10.


What is the valuation of GREEN DOT CORP-CLASS A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for GREEN DOT CORP-CLASS A (GDOT) is 8.72 and the Price/Book (PB) ratio is 0.78.