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

NYSE:GDOT • US39304D1028

Current stock price

11.81 USD
+0.06 (+0.51%)
At close:
11.81 USD
0 (0%)
After Hours:

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

  • In the past year GDOT was profitable.
  • In the past year GDOT had a positive cash flow from operations.
  • In multiple years GDOT reported negative net income over the last 5 years.
  • In the past 5 years GDOT always reported a positive cash flow from operatings.
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

  • GDOT has a worse Return On Assets (-1.65%) than 87.04% of its industry peers.
  • GDOT's Return On Equity of -11.11% is on the low side compared to the rest of the industry. GDOT is outperformed by 87.04% of its industry peers.
  • GDOT's Return On Invested Capital of 0.65% is on the low side compared to the rest of the industry. GDOT is outperformed by 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 9.60%.
  • The 3 year average ROIC (0.56%) for GDOT is below the current ROIC(0.65%), indicating increased profibility in the last year.
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.
  • GDOT does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
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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0

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.
  • The number of shares outstanding for GDOT has been increased compared to 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.
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

  • Based on the Altman-Z score of 0.12, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
  • GDOT's Altman-Z score of 0.12 is on the low side compared to the rest of the industry. GDOT is outperformed by 62.96% of its industry peers.
  • The Debt to FCF ratio of GDOT is 67.86, which is on the high side as it means it would take GDOT, 67.86 years of fcf income to pay off 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.
  • GDOT has a Debt/Equity ratio of 5.03. This is a high value indicating a heavy dependency on external financing.
  • GDOT has a Debt to Equity ratio of 5.03. This is in the lower half of the industry: GDOT underperforms 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.03
Debt/FCF 67.86
Altman-Z 0.12
ROIC/WACC0.28
WACC2.32%
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

  • A Current Ratio of 0.52 indicates that GDOT may have some problems paying its short term obligations.
  • GDOT has a worse Current ratio (0.52) than 62.96% of 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.
  • Looking at the Quick ratio, with a value of 0.52, GDOT is doing worse than 62.96% of the companies in the same industry.
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

More info and screens

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

5

3. GDOT Growth Analysis

3.1 Past

  • GDOT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.11%.
  • The Earnings Per Share has been decreasing by -7.44% on average over the past years.
  • The Revenue has grown by 20.69% in the past year. This is a very strong growth!
  • GDOT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.66% yearly.
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

  • Based on estimates for the next years, GDOT will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.76% on average per year.
  • The Revenue is expected to grow by 7.53% on average over the next years.
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

  • 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 decreasing.
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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Find the best growth stocksShow best growing peers

5

4. GDOT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.20, which indicates a very decent valuation of GDOT.
  • Compared to the rest of the industry, the Price/Earnings ratio of GDOT is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.34. GDOT is valued rather cheaply when compared to this.
  • GDOT is valuated cheaply with a Price/Forward Earnings ratio of 7.81.
  • 68.52% of the companies in the same industry are more expensive than GDOT, based on the Price/Forward Earnings ratio.
  • GDOT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.18.
Industry RankSector Rank
PE 8.2
Fwd PE 7.81
GDOT Price Earnings VS Forward Price EarningsGDOT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 9.94
EV/EBITDA -5.42
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)1.62
PEG (5Y)N/A
EPS Next 2Y8.76%
EPS Next 3YN/A

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 (4/14/2026, 8:12:36 PM)

After market: 11.81 0 (0%)

11.81

+0.06 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16
Earnings (Next)04-30
Inst Owners84.97%
Inst Owner Change0.03%
Ins Owners1.51%
Ins Owner Change-0.6%
Market Cap656.28M
Revenue(TTM)2.08B
Net Income(TTM)-98.87M
Analysts77.78
Price Target16.45 (39.29%)
Short Float %4.12%
Short Ratio3.42
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)1.15%
EPS NQ rev (3m)1.15%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)-0.45%
Revenue NQ rev (1m)-1.89%
Revenue NQ rev (3m)-1.89%
Revenue NY rev (1m)-2%
Revenue NY rev (3m)-2%
Valuation
Industry RankSector Rank
PE 8.2
Fwd PE 7.81
P/S 0.32
P/FCF 9.94
P/OCF 4.74
P/B 0.74
P/tB 1.27
EV/EBITDA -5.42
EPS(TTM)1.44
EY12.19%
EPS(NY)1.51
Fwd EY12.81%
FCF(TTM)1.19
FCFY10.06%
OCF(TTM)2.49
OCFY21.11%
SpS37.44
BVpS16.02
TBVpS9.28
PEG (NY)1.62
PEG (5Y)N/A
Graham Number22.78
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 0.12
F-Score3
WACC2.32%
ROIC/WACC0.28
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 2 / 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 8.2 and the Price/Book (PB) ratio is 0.74.