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

NYSE:GDOT • US39304D1028

Current stock price

10.83 USD
-0.08 (-0.73%)
At close:
10.83 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 has reported negative net income.
  • GDOT had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: GDOT reported negative net income in multiple 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's Return On Assets of -1.65% is on the low side compared to the rest of the industry. GDOT is outperformed by 85.19% of its industry peers.
  • With a Return On Equity value of -11.11%, GDOT is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
  • With a Return On Invested Capital value of 0.65%, GDOT is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
  • GDOT had an Average Return On Invested Capital over the past 3 years of 0.56%. This is significantly below the industry average of 12.12%.
  • 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

  • GDOT has a worse Operating Margin (2.11%) than 66.67% 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. GDOT Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GDOT is destroying value.
  • GDOT has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GDOT has been increased compared to 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 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 0.11. This is a bad value and indicates that GDOT is not financially healthy and even has some risk of bankruptcy.
  • GDOT's Altman-Z score of 0.11 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 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.
  • GDOT has a Debt to FCF ratio (67.86) which is in line with its industry peers.
  • A Debt/Equity ratio of 5.03 is on the high side and indicates that GDOT has dependencies on debt financing.
  • GDOT's Debt to Equity ratio of 5.03 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 5.03
Debt/FCF 67.86
Altman-Z 0.11
ROIC/WACC0.3
WACC2.18%
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 of 0.52. This is in the lower half of the industry: GDOT underperforms 62.96% of its industry peers.
  • A Quick Ratio of 0.52 indicates that GDOT may have some problems paying its short term obligations.
  • The Quick ratio of GDOT (0.52) is worse than 62.96% 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

More info and screens

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

4

3. GDOT Growth Analysis

3.1 Past

  • GDOT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -252.81%.
  • GDOT shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.69%.
  • Measured over the past years, GDOT shows a quite strong growth in Revenue. The Revenue has been growing by 10.66% on average per year.
EPS 1Y (TTM)-252.81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-992.8%
Revenue 1Y (TTM)20.69%
Revenue growth 3Y12.8%
Revenue growth 5Y10.66%
Sales Q2Q%14.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.16% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 7.53% on average over the next years.
EPS Next Y6.94%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.54%
Revenue Next 2Y7.53%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • 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

More info and screens

Find the best growth stocksShow best growing peers

3

4. GDOT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for GDOT. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 7.13 indicates a rather cheap valuation of GDOT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 66.67% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of GDOT to the average of the S&P500 Index (22.19), we can say GDOT is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 7.13
GDOT Price Earnings VS Forward Price EarningsGDOT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

  • GDOT's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.11
EV/EBITDA -5.81
GDOT Per share dataGDOT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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)N/A
PEG (5Y)N/A
EPS Next 2Y8.16%
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 (3/27/2026, 8:21:41 PM)

After market: 10.83 0 (0%)

10.83

-0.08 (-0.73%)

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 Cap601.61M
Revenue(TTM)2.08B
Net Income(TTM)-98.87M
Analysts77.78
Price Target16.45 (51.89%)
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
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)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)-1.87%
Revenue NY rev (3m)-1.87%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 7.13
P/S 0.29
P/FCF 9.11
P/OCF 4.34
P/B 0.68
P/tB 1.17
EV/EBITDA -5.81
EPS(TTM)-1.79
EYN/A
EPS(NY)1.52
Fwd EY14.03%
FCF(TTM)1.19
FCFY10.97%
OCF(TTM)2.49
OCFY23.03%
SpS37.45
BVpS16.03
TBVpS9.29
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
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 0.11
F-Score3
WACC2.18%
ROIC/WACC0.3
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)-252.81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-992.8%
EPS Next Y6.94%
EPS Next 2Y8.16%
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 Year9.54%
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 Year690.85%
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 3 / 10 to GREEN DOT CORP-CLASS A (GDOT). This can be considered as Overvalued.


What is the profitability of GDOT stock?

GREEN DOT CORP-CLASS A (GDOT) has a profitability rating of 2 / 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 0 / 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 6.94% in the next year.