GREEN DOT CORP-CLASS A (GDOT) Stock Fundamental Analysis
NYSE:GDOT • US39304D1028
11.92 USD
-0.18 (-1.49%)
Last: Feb 19, 2026, 10:58 AM
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. GDOT has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- GDOT had a positive operating cash flow in the past year.
- GDOT had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years GDOT had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of GDOT (-0.81%) is worse than 85.19% of its industry peers.
- GDOT has a Return On Equity of -5.14%. This is amonst the worse of the industry: GDOT underperforms 87.04% of its industry peers.
- GDOT has a Return On Invested Capital (1.21%) which is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for GDOT is significantly below the industry average of 12.20%.
- 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 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's Operating Margin of 3.95% is on the low side compared to the rest of the industry. GDOT is outperformed by 66.67% of its industry peers.
- 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 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
- GDOT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
- GDOT has an Altman-Z score of 0.18. 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 0.18 is in line compared to the rest of the industry. GDOT outperforms 40.74% of its industry peers.
- 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 has a Debt to FCF ratio (43.92) which is in line with its industry peers.
- A Debt/Equity ratio of 4.69 is on the high side and indicates that GDOT has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 4.69, GDOT is doing worse than 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | 43.92 | ||
| Altman-Z | 0.18 |
ROIC/WACC0.46
WACC2.64%
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.
- The Current ratio of GDOT (0.54) is comparable to the rest of the 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.
- With a Quick ratio value of 0.54, GDOT perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
| 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.
- The earnings per share for GDOT have been decreasing by -13.01% on average. This is quite bad
- The Revenue has grown by 23.12% in the past year. This is a very strong growth!
- 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
- GDOT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.67% yearly.
- Based on estimates for the next years, GDOT will show a quite strong growth in Revenue. The Revenue will grow by 16.81% on average per year.
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 6.21, which indicates a rather cheap valuation of GDOT.
- Based on the Price/Earnings ratio, GDOT is valued a bit cheaper than 70.37% of the companies in the same industry.
- GDOT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
- GDOT is valuated cheaply with a Price/Forward Earnings ratio of 7.84.
- 64.81% 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 28.16, GDOT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.21 | ||
| Fwd PE | 7.84 |
4.2 Price Multiples
- GDOT's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.8 | ||
| EV/EBITDA | -5.53 |
4.3 Compensation for Growth
- GDOT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.66
PEG (5Y)N/A
EPS Next 2Y5.33%
EPS Next 3Y6.67%
5. Dividend
5.1 Amount
- No dividends for GDOT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:GDOT (2/19/2026, 10:58:56 AM)
11.92
-0.18 (-1.49%)
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 Change4.66%
Ins Owners1.58%
Ins Owner Change-0.01%
Market Cap662.16M
Revenue(TTM)2.01B
Net Income(TTM)-46.94M
Analysts77.78
Price Target16.45 (38%)
Short Float %2.41%
Short Ratio1.71
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)-15.13%
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 | 6.21 | ||
| Fwd PE | 7.84 | ||
| P/S | 0.33 | ||
| P/FCF | 6.8 | ||
| P/OCF | 3.71 | ||
| P/B | 0.73 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | -5.53 |
EPS(TTM)1.92
EY16.11%
EPS(NY)1.52
Fwd EY12.75%
FCF(TTM)1.75
FCFY14.71%
OCF(TTM)3.21
OCFY26.94%
SpS36.24
BVpS16.44
TBVpS9.59
PEG (NY)1.66
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
WACC2.64%
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.