Comprehensive Stock Comparison
Compare Visa Inc. (V) vs Green Dot Corporation (GDOT) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
Selected Stocks
Add up to 10 tickers. Use presets or search to get started.
Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | GDOT | 14.8% revenue growth vs V's 11.3% |
| Value | GDOT | Lower P/E (7.8x vs 24.9x) |
| Quality / Margins | V | 50.1% net margin vs GDOT's -1.5% |
| Stability / Safety | V | Beta 0.78 vs GDOT's 1.36 |
| Dividends | V | 0.7% yield; 15-year raise streak; GDOT pays no meaningful dividend |
| Momentum (1Y) | GDOT | +51.1% vs V's -11.0% |
| Efficiency (ROA) | V | 21.5% ROA vs GDOT's -0.8%, ROIC 29.2% vs -0.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Visa operates a global electronic payments network that connects consumers, merchants, and financial institutions. It generates revenue primarily from service fees on transaction processing (about 40% of revenue) and data processing fees (about 35%), with the remainder from international transaction fees and other services. The company's massive network scale — with billions of cards accepted at tens of millions of merchants worldwide — creates a powerful two-sided platform moat that's extremely difficult to replicate.
Green Dot is a financial technology and banking platform that provides prepaid debit cards, checking accounts, and money movement services to consumers and businesses. It generates revenue primarily through interchange fees from card transactions, monthly account maintenance fees, and service fees from its business-to-business money processing operations. The company's key advantage is its extensive retail distribution network—with cards sold at over 100,000 retail locations—which creates significant scale and brand recognition in the prepaid financial services market.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
V leads in 4 of 6 categories (Financial Metrics, Profitability & Efficiency). GDOT leads in 1 (Valuation Metrics).
Financial Metrics (TTM)
V is the larger business by revenue, generating $40.0B annually — 23.2x GDOT's $1.7B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to GDOT's -1.5%.
| Metric | VVisa Inc. | GDOTGreen Dot Corpora… |
|---|---|---|
| RevenueTrailing 12 months | $40.0B | $1.7B |
| EBITDAEarnings before interest/tax | $25.8B | $139M |
| Net IncomeAfter-tax profit | $20.8B | -$47M |
| Free Cash FlowCash after capex | $22.9B | $97M |
| Gross MarginGross profit ÷ Revenue | +80.4% | +33.6% |
| Operating MarginEBIT ÷ Revenue | +60.0% | -0.1% |
| Net MarginNet income ÷ Revenue | +50.1% | -1.5% |
| FCF MarginFCF ÷ Revenue | +53.9% | +0.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +3.5% | -2.7% |
Valuation Metrics
| Metric | VVisa Inc. | GDOTGreen Dot Corpora… |
|---|---|---|
| Market CapShares × price | $2.9B | $641M |
| Enterprise ValueMkt cap + debt − cash | $7.9B | -$892M |
| Trailing P/EPrice ÷ TTM EPS | 31.39x | -23.12x |
| Forward P/EPrice ÷ next-FY EPS est. | 24.90x | 7.76x |
| PEG RatioP/E ÷ EPS growth rate | 1.98x | — |
| EV / EBITDAEnterprise value multiple | 0.31x | -10.74x |
| Price / SalesMarket cap ÷ Revenue | 0.07x | 0.37x |
| Price / BookPrice ÷ Book value/share | 18.53x | 0.71x |
| Price / FCFMarket cap ÷ FCF | 0.13x | 90.29x |
Profitability & Efficiency
V delivers a 53.6% return on equity — every $100 of shareholder capital generates $54 in annual profit, vs $-5 for GDOT. GDOT carries lower financial leverage with a 0.07x debt-to-equity ratio, signaling a more conservative balance sheet compared to V's 0.66x. On the Piotroski fundamental quality scale (0–9), GDOT scores 5/9 vs V's 4/9, reflecting solid financial health.
| Metric | VVisa Inc. | GDOTGreen Dot Corpora… |
|---|---|---|
| ROE (TTM)Return on equity | +53.6% | -5.1% |
| ROA (TTM)Return on assets | +21.5% | -0.8% |
| ROICReturn on invested capital | +29.2% | -0.1% |
| ROCEReturn on capital employed | +36.2% | -0.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.66x | 0.07x |
| Net DebtTotal debt minus cash | $5.0B | -$1.5B |
| Cash & Equiv.Liquid assets | $20.2B | $1.6B |
| Total DebtShort + long-term debt | $25.2B | $60M |
| Interest CoverageEBIT ÷ Interest expense | 41.49x | 16.56x |
Total Returns (with DRIP)
A $10,000 investment in V five years ago would be worth $15,227 today (with dividends reinvested), compared to $2,363 for GDOT. Over the past 12 months, GDOT leads with a +51.1% total return vs V's -11.0%. The 3-year compound annual growth rate (CAGR) favors V at 14.1% vs GDOT's -15.2% — a key indicator of consistent wealth creation.
| Metric | VVisa Inc. | GDOTGreen Dot Corpora… |
|---|---|---|
| YTD ReturnYear-to-date | -7.4% | -8.3% |
| 1-Year ReturnPast 12 months | -11.0% | +51.1% |
| 3-Year ReturnCumulative with dividends | +48.6% | -38.9% |
| 5-Year ReturnCumulative with dividends | +52.3% | -76.4% |
| 10-Year ReturnCumulative with dividends | +362.0% | -44.0% |
| CAGR (3Y)Annualised 3-year return | +14.1% | -15.2% |
Risk & Volatility
V is the less volatile stock with a 0.78 beta — it tends to amplify market swings less than GDOT's 1.36 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. V currently trades 85.3% from its 52-week high vs GDOT's 75.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | VVisa Inc. | GDOTGreen Dot Corpora… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 1.36x |
| 52-Week HighHighest price in past year | $375.51 | $15.41 |
| 52-Week LowLowest price in past year | $299.00 | $6.12 |
| % of 52W HighCurrent price vs 52-week peak | +85.3% | +75.0% |
| RSI (14)Momentum oscillator 0–100 | 43.9 | 43.5 |
| Avg Volume (50D)Average daily shares traded | 6.3M | 584K |
Analyst Outlook
Wall Street rates V as "Buy" and GDOT as "Hold". Consensus price targets imply 23.3% upside for GDOT (target: $14) vs 18.0% for V (target: $378). V is the only dividend payer here at 0.66% yield — a key consideration for income-focused portfolios.
| Metric | VVisa Inc. | GDOTGreen Dot Corpora… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $377.83 | $14.25 |
| # AnalystsCovering analysts | 60 | 39 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | — |
| Dividend StreakConsecutive years of raises | 15 | — |
| Dividend / ShareAnnual DPS | $2.11 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +100.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Feb 20 | Feb 26 | Change |
|---|---|---|---|
| Visa Inc. (V) | 100 | 183.67 | +83.7% |
| Green Dot Corporati… (GDOT) | 100 | 35.86 | -64.1% |
Visa Inc. (V) returned +52% over 5 years vs Green Dot Corporati… (GDOT)'s -76%. A $10,000 investment in V 5 years ago would be worth $15,227 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | $15.1B | $40.0B | +165.2% |
| Green Dot Corporati… (GDOT) | $726M | $1.7B | +137.4% |
Visa Inc.'s revenue grew from $15.1B (2016) to $40.0B (2025) — a 11.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | 39.7% | 50.1% | +26.2% |
| Green Dot Corporati… (GDOT) | 5.7% | -1.5% | -127.0% |
Visa Inc.'s net margin went from 40% (2016) to 50% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | 40.7 | 34.4 | -15.5% |
| Green Dot Corporati… (GDOT) | 37.4 | 76.2 | +103.7% |
Visa Inc. has traded in a 30x–45x P/E range over 9 years; current trailing P/E is ~31x. Green Dot Corporation has traded in a 12x–133x P/E range over 7 years; current trailing P/E is ~-23x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | 2.48 | 10.2 | +311.3% |
| Green Dot Corporati… (GDOT) | 0.8 | -0.5 | -162.5% |
Visa Inc.'s EPS grew from $2.48 (2016) to $10.20 (2025) — a 17% CAGR.
Chart 6Free Cash Flow — 5 Years
Visa Inc. generated $22B FCF in 2025 (+49% vs 2021). Green Dot Corporation generated $7M FCF in 2024 (-94% vs 2021).
V vs GDOT: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is V or GDOT a better buy right now?
Visa Inc. (V) offers the better valuation at 31.4x trailing P/E (24.9x forward), making it the more compelling value choice. Analysts rate Visa Inc. (V) a "Buy" — based on 60 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — V or GDOT?
On forward P/E, Green Dot Corporation is actually cheaper at 7.8x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — V or GDOT?
Over the past 5 years, Visa Inc. (V) delivered a total return of +52.3%, compared to -76.4% for Green Dot Corporation (GDOT). A $10,000 investment in V five years ago would be worth approximately $15K today (assuming dividends reinvested). Over 10 years, the gap is even starker: V returned +362.0% versus GDOT's -44.0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — V or GDOT?
By beta (market sensitivity over 5 years), Visa Inc. (V) is the lower-risk stock at 0.78β versus Green Dot Corporation's 1.36β — meaning GDOT is approximately 75% more volatile than V relative to the S&P 500. On balance sheet safety, Green Dot Corporation (GDOT) carries a lower debt/equity ratio of 7% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — V or GDOT?
Visa Inc. (V) is the more profitable company, earning 50.1% net margin versus -1.5% for Green Dot Corporation — meaning it keeps 50.1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60.0% versus -0.1% for GDOT. At the gross margin level — before operating expenses — V leads at 80.4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is V or GDOT more undervalued right now?
On forward earnings alone, Green Dot Corporation (GDOT) trades at 7.8x forward P/E versus 24.9x for Visa Inc. — 17.1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GDOT: 23.3% to $14.25.
07Which pays a better dividend — V or GDOT?
In this comparison, V (0.7% yield) pays a dividend. GDOT does not pay a meaningful dividend and should not be held primarily for income.
08Is V or GDOT better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc. (V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.78), 0.7% yield, +362.0% 10Y return). Both have compounded well over 10 years (V: +362.0%, GDOT: -44.0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between V and GDOT?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. V pays a dividend while GDOT does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that beat both.