GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:GDOT • US39304D1028
12.25 USD
+0.07 (+0.57%)
At close: Feb 2, 2026
12.25 USD
0 (0%)
After Hours: 2/2/2026, 8:10:12 PM
Taking everything into account, GDOT scores 3 out of 10 in our fundamental rating. GDOT was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of GDOT have multiple concerns. GDOT is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- GDOT had positive earnings in the past year.
- In the past year GDOT had a positive cash flow from operations.
- Of the past 5 years GDOT 4 years were profitable.
- Each year in the past 5 years GDOT had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of -0.81%, GDOT is doing worse than 83.33% of the companies in the same industry.
- Looking at the Return On Equity, with a value of -5.14%, GDOT is doing worse than 85.19% of the companies in the same industry.
- The Return On Invested Capital of GDOT (1.21%) is comparable to the rest of the industry.
- 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 Rank | Sector 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%
1.3 Margins
- GDOT has a Operating Margin of 3.95%. This is in the lower half of the industry: GDOT underperforms 64.81% of its industry peers.
- In the last couple of years the Operating Margin of GDOT has declined.
- GDOT does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GDOT is destroying value.
- GDOT has more shares outstanding than it did 1 year ago.
- GDOT has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GDOT has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.18, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
- GDOT has a Altman-Z score (0.18) which is comparable to the rest of the industry.
- GDOT has a debt to FCF ratio of 43.92. This is a negative value and a sign of low solvency as GDOT would need 43.92 years to pay back of all of its debts.
- GDOT's Debt to FCF ratio of 43.92 is in line compared to the rest of the industry. GDOT outperforms 46.30% of its industry peers.
- A Debt/Equity ratio of 4.69 is on the high side and indicates that GDOT has dependencies on debt financing.
- The Debt to Equity ratio of GDOT (4.69) is worse than 64.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | 43.92 | ||
| Altman-Z | 0.18 |
ROIC/WACC0.45
WACC2.69%
2.3 Liquidity
- GDOT has a Current Ratio of 0.54. This is a bad value and indicates that GDOT is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.54, GDOT is doing worse than 61.11% of the companies in the same industry.
- GDOT has a Quick Ratio of 0.54. 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 0.54 is on the low side compared to the rest of the industry. GDOT is outperformed by 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
- GDOT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 72.97%, which is quite impressive.
- 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.
- Looking at the last year, GDOT shows a very strong growth in Revenue. The Revenue has grown by 23.12%.
- 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.
- The Revenue is expected to grow by 16.81% on average over the next years. This is quite good.
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 6.38, which indicates a rather cheap valuation of GDOT.
- Based on the Price/Earnings ratio, GDOT is valued a bit cheaper than the industry average as 68.52% of the companies are valued more expensively.
- GDOT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.41.
- A Price/Forward Earnings ratio of 8.06 indicates a reasonable valuation of GDOT.
- 66.67% of the companies in the same industry are more expensive than GDOT, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.64, GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 8.06 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, GDOT is valued a bit cheaper than the industry average as 62.96% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.98 | ||
| EV/EBITDA | -5.51 |
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)1.71
PEG (5Y)N/A
EPS Next 2Y5.33%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
- GDOT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
12.25
+0.07 (+0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)02-19 2026-02-19/amc
Inst Owners91.28%
Inst Owner Change-2.94%
Ins Owners1.58%
Ins Owner Change-0.28%
Market Cap680.49M
Revenue(TTM)2.01B
Net Income(TTM)-46.94M
Analysts77.78
Price Target16.45 (34.29%)
Short Float %2.13%
Short Ratio1.22
Dividend
| Industry Rank | Sector 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)-10.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-400%
EPS NY rev (1m)0%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 8.06 | ||
| P/S | 0.34 | ||
| P/FCF | 6.98 | ||
| P/OCF | 3.81 | ||
| P/B | 0.75 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | -5.51 |
EPS(TTM)1.92
EY15.67%
EPS(NY)1.52
Fwd EY12.41%
FCF(TTM)1.75
FCFY14.32%
OCF(TTM)3.21
OCFY26.22%
SpS36.24
BVpS16.44
TBVpS9.59
PEG (NY)1.71
PEG (5Y)N/A
Graham Number26.65
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC2.69%
ROIC/WACC0.45
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 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.