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

NYSE:GDOT - New York Stock Exchange, Inc. - US39304D1028 - Common Stock - Currency: USD

10.42  +0.16 (+1.56%)

After market: 10.42 0 (0%)

Fundamental Rating

3

Overall GDOT gets a fundamental rating of 3 out of 10. We evaluated GDOT against 53 industry peers in the Consumer Finance industry. GDOT may be in some trouble as it scores bad on both profitability and health. GDOT has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

In the past year GDOT was profitable.
In the past year GDOT had a positive cash flow from operations.
Of the past 5 years GDOT 4 years were profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.10%, GDOT is doing worse than 73.58% of the companies in the same industry.
Looking at the Return On Equity, with a value of -0.60%, GDOT is doing worse than 73.58% of the companies in the same industry.
GDOT has a Return On Invested Capital of 1.16%. This is comparable to the rest of the industry: GDOT outperforms 47.17% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GDOT is significantly below the industry average of 10.31%.
The last Return On Invested Capital (1.16%) for GDOT is above the 3 year average (0.95%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -0.1%
ROE -0.6%
ROIC 1.16%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

GDOT has a Operating Margin of 4.15%. This is in the lower half of the industry: GDOT underperforms 60.38% 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 4.15%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

0

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.
The number of shares outstanding for GDOT has been increased compared to 1 year ago.
The number of shares outstanding for GDOT has been increased compared to 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

Based on the Altman-Z score of 0.21, we must say that GDOT is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.21, GDOT is doing worse than 62.26% of the companies in the same industry.
The Debt to FCF ratio of GDOT is 194.78, which is on the high side as it means it would take GDOT, 194.78 years of fcf income to pay off all of its debts.
GDOT has a worse Debt to FCF ratio (194.78) than 69.81% of its industry peers.
GDOT has a Debt/Equity ratio of 4.46. This is a high value indicating a heavy dependency on external financing.
GDOT has a worse Debt to Equity ratio (4.46) than 71.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.46
Debt/FCF 194.78
Altman-Z 0.21
ROIC/WACC0.49
WACC2.38%
GDOT Yearly LT Debt VS Equity VS FCFGDOT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

A Current Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
GDOT's Current ratio of 0.58 is on the low side compared to the rest of the industry. GDOT is outperformed by 60.38% of its industry peers.
A Quick Ratio of 0.58 indicates that GDOT may have some problems paying its short term obligations.
GDOT has a worse Quick ratio (0.58) than 60.38% of its industry peers.
Industry RankSector Rank
Current Ratio 0.58
Quick Ratio 0.58
GDOT Yearly Current Assets VS Current LiabilitesGDOT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

6

3. Growth

3.1 Past

GDOT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.39%, 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.
GDOT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.12%.
The Revenue has been growing by 9.23% on average over the past years. This is quite good.
EPS 1Y (TTM)48.39%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%79.66%
Revenue 1Y (TTM)19.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.65%

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.
The Revenue is expected to grow by 17.28% on average over the next years. This is quite good.
EPS Next Y-7.68%
EPS Next 2Y4.62%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue Next Year22.11%
Revenue Next 2Y17.28%
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.66, the valuation of GDOT can be described as very cheap.
84.91% of the companies in the same industry are more expensive than GDOT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of GDOT to the average of the S&P500 Index (28.04), we can say GDOT is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.95, the valuation of GDOT can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GDOT indicates a somewhat cheap valuation: GDOT is cheaper than 77.36% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.64. GDOT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.66
Fwd PE 6.95
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

Based on the Price/Free Cash Flow ratio, GDOT is valued a bit more expensive than 64.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 26.34
EV/EBITDA -8.44
GDOT Per share dataGDOT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.62%
EPS Next 3Y6.67%

0

5. Dividend

5.1 Amount

No dividends for GDOT!.
Industry RankSector Rank
Dividend Yield N/A

GREEN DOT CORP-CLASS A

NYSE:GDOT (7/25/2025, 8:04:00 PM)

After market: 10.42 0 (0%)

10.42

+0.16 (+1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-11 2025-08-11/amc
Inst Owners86.44%
Inst Owner Change0.48%
Ins Owners1.46%
Ins Owner Change6.08%
Market Cap571.95M
Analysts74.55
Price Target12.75 (22.36%)
Short Float %3.33%
Short Ratio2.18
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)28.93%
Min EPS beat(2)10.9%
Max EPS beat(2)46.95%
EPS beat(4)3
Avg EPS beat(4)10.28%
Min EPS beat(4)-24.23%
Max EPS beat(4)46.95%
EPS beat(8)3
Avg EPS beat(8)-3.91%
EPS beat(12)7
Avg EPS beat(12)8.03%
EPS beat(16)10
Avg EPS beat(16)10.89%
Revenue beat(2)2
Avg Revenue beat(2)6.62%
Min Revenue beat(2)5.37%
Max Revenue beat(2)7.87%
Revenue beat(4)4
Avg Revenue beat(4)4.75%
Min Revenue beat(4)2.33%
Max Revenue beat(4)7.87%
Revenue beat(8)8
Avg Revenue beat(8)4.56%
Revenue beat(12)11
Avg Revenue beat(12)4%
Revenue beat(16)15
Avg Revenue beat(16)4.91%
PT rev (1m)2.04%
PT rev (3m)16.28%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.24%
EPS NY rev (1m)0%
EPS NY rev (3m)11.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.73%
Valuation
Industry RankSector Rank
PE 5.66
Fwd PE 6.95
P/S 0.31
P/FCF 26.34
P/OCF 5.67
P/B 0.6
P/tB 1.03
EV/EBITDA -8.44
EPS(TTM)1.84
EY17.66%
EPS(NY)1.5
Fwd EY14.39%
FCF(TTM)0.4
FCFY3.8%
OCF(TTM)1.84
OCFY17.65%
SpS33.35
BVpS17.26
TBVpS10.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.1%
ROE -0.6%
ROCE 7.45%
ROIC 1.16%
ROICexc 1.81%
ROICexgc 2.05%
OM 4.15%
PM (TTM) N/A
GM N/A
FCFM 1.19%
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%
ROICexcg growth 3Y-21.13%
ROICexcg 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 Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 4.46
Debt/FCF 194.78
Debt/EBITDA 26.62
Cap/Depr 95.45%
Cap/Sales 4.33%
Interest Coverage 6.46
Cash Conversion 63.51%
Profit Quality N/A
Current Ratio 0.58
Quick Ratio 0.58
Altman-Z 0.21
F-Score6
WACC2.38%
ROIC/WACC0.49
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)48.39%
EPS 3Y-14.73%
EPS 5Y-13.01%
EPS Q2Q%79.66%
EPS Next Y-7.68%
EPS Next 2Y4.62%
EPS Next 3Y6.67%
EPS Next 5YN/A
Revenue 1Y (TTM)19.12%
Revenue growth 3Y6.35%
Revenue growth 5Y9.23%
Sales Q2Q%23.65%
Revenue Next Year22.11%
Revenue Next 2Y17.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y321.42%
EBIT growth 3Y-17.73%
EBIT growth 5Y-21.33%
EBIT Next Year1378.45%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.79%
FCF growth 3Y-59.85%
FCF growth 5Y-42.38%
OCF growth 1Y-61.57%
OCF growth 3Y-21.31%
OCF growth 5Y-15.59%