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GDOTGreen Dot Corporation
$12.24$694M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
GDOT logo

Green Dot Corporation

GDOT
NYSE · Payment Processors & Networks
$12.24
At close - Nov 6, 4:00 PM EST - USD
Market Cap$694M
P/E-27.4x
52W High$13.75
Volume251.04K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee-Driven Growth Offsets Persistent Provision Pressures

Green Dot's revenue is entirely fee-based, with non-interest income comprising 100% of total revenue, yet persistent provision expenses—nearly doubling from $262.5M in 2024Q1 to $475.9M in 2026Q2—have kept net income negative in most quarters.

GrowthAccelerating
ProfitabilityWeak
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

GDOT price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

6/12 Beats

EPS beat 6 of last 12 quarters

02

Valuation risk

-330% Peers

P/E is 330% below peer median

03

Market leadership

RS 55 · Avg

Average momentum (RS Rating: 55)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 9

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
GDOT-2.86%
S&P 500 (^GSPC)+7.63%
1-Year Return
GDOT+4.17%
S&P 500 (^GSPC)+9.69%
3-Year Return
GDOT+1.32%
S&P 500 (^GSPC)+66.46%
5-Year Return
GDOT-71.82%
S&P 500 (^GSPC)+55.00%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-27.4x
Forward P/E
8.5x
EV/EBITDA0th %ile
-6.2x
FCF YieldCash Flow
16.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-27.4x
42.6x
0th· Low
EV/EBITDA
-6.2x
4.6x
0th· Low
Price/FCF
6.0x
18.3x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$2.07B+20.7% YoY
Net income FY25
-$99M-270.3% YoY
Free cash flow FY25
$66M+830.3% YoY
Operating margin FY25
2.7%+2.8 pts YoY
ROIC (FY25)4.4%
Avg ROIC 5Y3.7%
ROE (TTM)-2.8%
Piotroski Score4 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate6/12 (50%)
Revenue Beat Rate10/12 (83%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 10, 2026
$0.26-29.7%
vs $0.37
$591M+9.3%
vs $541M
Q2 2026
May 11, 2026
$1.12+27.3%
vs $0.88
$652M+9.1%
vs $597M
Q2 2026
Mar 16, 2026
-$0.08+20.0%
vs -$0.10
$520M+2.3%
vs $508M
Q4 2025
Nov 10, 2025
$0.06+154.5%
vs -$0.11
$495M-2.6%
vs $508M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Seeking Alpha·Oct 26, 2026
Alluvial Capital Management's Q3 2026 Top 10 Holdings

In September Zegona announced a capital return program of €400 million, divided equally between dividends and share repurchases. McBride expects the agreement to increase annual revenues by £170 million at margins consistent with McBride's existing revenue base. Talen will borrow against its 2027 and 2028 guaranteed capacity payments, accelerating these payments and repurchasing $1.5 billion in shares by the end of March 2027.

GuruFocus·Oct 15, 2026
Embedded Finance Investments Climb Despite Rising Risks and Uncertainty

Embedded finance is now a core growth strategy for U.S. companies, and leaders are doubling down despite rising risk and uncertainty, according to new research

Defense World·Sep 25, 2026
Green Dot Corporation (NYSE:GDOT) Receives Average Rating of “Reduce” from Brokerages

Green Dot Corporation (NYSE: GDOT - Get Free Report) has been given a consensus rating of "Reduce" by the five research firms that are covering the firm, Marketbeat Ratings reports. Two research analysts have rated the stock with a sell recommendation, two have issued a hold recommendation and one has given a buy recommendation to the

Defense World·Sep 24, 2026
Green Dot (NYSE:GDOT) Share Price Crosses Above Two Hundred Day Moving Average – Time to Sell?

Shares of Green Dot Corporation (NYSE: GDOT - Get Free Report) passed above its two hundred day moving average during trading on Wednesday. The stock has a two hundred day moving average of $12.69 and traded as high as $13.24. Green Dot shares last traded at $13.0480, with a volume of 238,917 shares. Analyst Ratings

Filtered for Green Dot CorporationMore Headlines
04

Compare before deciding

Benchmark GDOT against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Green Dot Corporation (GDOT)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
GDOT logoGDOTGreen Dot CorporationCurrent
$12.24$693.77M-27.3820.72%-1.14%-2.82%—
OMF logoOMFOneMain Holdings, Inc.
$56.09$6.48B8.459.54%14.72%22.64%4.62%
RPAY logoRPAYRepay Holdings Corporation
$4.40$387.58M-2.19-1.21%-49.57%-32.69%—
SOFI logoSOFISoFi Technologies, Inc.
$16.21$20.79B29.8338.32%15.6%6.76%—
DAVE logoDAVEDave Inc.
$278.59$3.75B19.9659.67%28.14%74.88%—
AFRM logoAFRMAffirm Holdings, Inc.
$68.11$22.69B11.9022.48%44.6%43.38%—

Compare GDOT vs Peers

Green Dot Corporation (GDOT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs OMF

Most directly comparable listed peer for GDOT.

Scale Benchmark

vs WMT

Larger-name benchmark to compare GDOT against a more recognizable public peer.

Peer Set

Compare Top 5

vs OMF, RPAY, SOFI, DAVE

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

GDOT SEC Filings & Documents

Green Dot Corporation (GDOT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 10, 2026·SEC

Material company update

Jun 24, 2026·SEC

Material company update

Jun 16, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 4, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 10, 2026·SEC

FY 2026

May 11, 2026·SEC

FY 2025

Nov 10, 2025·SEC

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GDOT Frequently Asked Questions

Green Dot Corporation (GDOT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Green Dot Corporation growing?

Green Dot Corporation (GDOT) grew revenue by 17.9% over the trailing twelve months, compared with the twelve months before.

Is GDOT profitable?

No. Green Dot Corporation (GDOT) reported a net loss of $25.9M over the trailing twelve months.

Dividend & Returns
What is GDOT's return on equity?

Green Dot Corporation (GDOT) had a return on equity (ROE) of -2.8% over the trailing twelve months. A negative ROE means the company lost money over the period.

Industry Metrics
What is Green Dot Corporation's net interest margin?

Green Dot Corporation (GDOT) has a net interest margin (NIM) of -0.1%. NIM has been under pressure due to interest rate environment.

What is Green Dot Corporation's efficiency ratio?

Green Dot Corporation (GDOT) has an efficiency ratio of 21.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in GDOT back in 2008?

Total return calculator · dividends reinvested · 18+ years of data

See returns →