GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:GDOT • US39304D1028

12.055 USD
+0.13 (+1.13%)
Last: Feb 6, 2026, 11:54 AM
Fundamental Rating

4

Overall GDOT gets a fundamental rating of 4 out of 10. We evaluated GDOT against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of GDOT have multiple concerns. GDOT is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year GDOT was profitable.
  • GDOT had a positive operating cash flow in the past year.
  • GDOT had positive earnings in 4 of the past 5 years.
  • GDOT had a positive operating cash flow in each of the past 5 years.
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 83.33% of its industry peers.
  • GDOT's Return On Equity of -5.14% is on the low side compared to the rest of the industry. GDOT is outperformed by 85.19% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.21%, GDOT is in line with its industry, outperforming 44.44% of the companies in the same 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 last Return On Invested Capital (1.21%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
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

  • 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.
  • 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 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. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
  • The debt/assets ratio for GDOT is higher compared to a year ago.
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

  • 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.
  • With a Altman-Z score value of 0.18, GDOT perfoms like the industry average, outperforming 40.74% of the companies in the same 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.
  • With a Debt to FCF ratio value of 43.92, GDOT perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • GDOT has a Debt/Equity ratio of 4.69. This is a high value indicating a heavy dependency on external financing.
  • GDOT's Debt to Equity ratio of 4.69 is on the low side compared to the rest of the industry. GDOT is outperformed by 64.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.69
Debt/FCF 43.92
Altman-Z 0.18
ROIC/WACC0.46
WACC2.64%
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

  • 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.
  • GDOT's Current 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.
  • 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 has a Quick ratio of 0.54. This is in the lower half of the industry: GDOT underperforms 61.11% of its industry peers.
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. 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.
  • GDOT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.81% yearly.
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

  • 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.
  • 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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • GDOT is valuated cheaply with a Price/Earnings ratio of 6.28.
  • GDOT's Price/Earnings ratio is a bit cheaper when compared to the industry. GDOT is cheaper than 72.22% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. GDOT is valued rather cheaply when compared to this.
  • GDOT is valuated cheaply with a Price/Forward Earnings ratio of 7.93.
  • Based on the Price/Forward Earnings ratio, GDOT is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. GDOT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.28
Fwd PE 7.93
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

  • 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 RankSector Rank
P/FCF 6.87
EV/EBITDA -5.59
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)1.68
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. Dividend

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

GREEN DOT CORP-CLASS A

NYSE:GDOT (2/6/2026, 11:54:18 AM)

12.055

+0.13 (+1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)02-19
Inst Owners91.28%
Inst Owner Change-2.94%
Ins Owners1.58%
Ins Owner Change-0.28%
Market Cap669.66M
Revenue(TTM)2.01B
Net Income(TTM)-46.94M
Analysts77.78
Price Target16.45 (36.46%)
Short Float %2.1%
Short Ratio1.23
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)-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 RankSector Rank
PE 6.28
Fwd PE 7.93
P/S 0.33
P/FCF 6.87
P/OCF 3.75
P/B 0.73
P/tB 1.26
EV/EBITDA -5.59
EPS(TTM)1.92
EY15.93%
EPS(NY)1.52
Fwd EY12.61%
FCF(TTM)1.75
FCFY14.55%
OCF(TTM)3.21
OCFY26.64%
SpS36.24
BVpS16.44
TBVpS9.59
PEG (NY)1.68
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
WACC2.64%
ROIC/WACC0.46
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 4 / 10 to GDOT.


What is the valuation status for GDOT stock?

ChartMill assigns a valuation rating of 6 / 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.