Green Dot Corporation (GDOT) Financial Ratios
18 years of historical data (2008–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
-4.55
↓-280% vs avg
5yr avg: 2.53
30Y Low0.5·High18.3
P/FCF
↓
10.85
↓-61% vs avg
5yr avg: 27.54
30Y Low4.4·High80.3
P/B Ratio
↓
0.78
↓-22% vs avg
5yr avg: 1.00
30Y Low0.6·High9.5
ROE
↓
-11.2%
↑-2739% vs avg
5yr avg: -0.4%
30Y Low-11%·High388%
Debt/EBITDA
↑
0.47
+7% vs avg
5yr avg: 0.43
30Y Low0.1·High1.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GDOT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Green Dot Corporation currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 10.8x P/FCF, 61% below the 5-year average of 27.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $716M | $706M | $570M | $520M | $852M | $2.0B | $3.0B | $1.2B | $4.3B | $3.2B | $1.2B |
| Enterprise Value | $-640026661 | $-650406810 | $-963280720 | $-95358000 | $82M | $694M | $1.5B | $243M | $3.3B | $2.4B | $564M |
| P/E Ratio → | -7.06 | — | — | 76.15 | 13.29 | 42.64 | 132.86 | 12.39 | 36.48 | 37.43 | 29.44 |
| P/S Ratio | 0.34 | 0.34 | 0.33 | 0.35 | 0.59 | 1.40 | 2.39 | 1.12 | 4.07 | 3.56 | 1.65 |
| P/B Ratio | 0.78 | 0.79 | 0.65 | 0.60 | 1.09 | 1.87 | 2.97 | 1.34 | 4.76 | 4.19 | 1.75 |
| P/FCF | 10.85 | 10.69 | 80.26 | 24.09 | 4.41 | 18.26 | 19.95 | 11.08 | 22.80 | 18.41 | 16.79 |
| P/OCF | 5.17 | 5.09 | 7.00 | 5.33 | 3.07 | 11.98 | 14.32 | 6.52 | 17.26 | 14.68 | 10.45 |
P/E links to full P/E history page with 30-year chart
GDOT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.31 | -0.56 | -0.06 | 0.06 | 0.48 | 1.22 | 0.22 | 3.09 | 2.63 | 0.78 |
| EV / EBITDA | -4.55 | -4.62 | -11.60 | -0.90 | 0.47 | 4.59 | 13.16 | 1.19 | 16.34 | 13.61 | 4.49 |
| EV / EBIT | -11.59 | -11.78 | — | -4.85 | 0.87 | 10.46 | 52.15 | 2.01 | 26.29 | 22.87 | 9.17 |
| EV / FCF | — | -9.85 | -135.75 | -4.42 | 0.42 | 6.33 | 10.18 | 2.18 | 17.35 | 13.59 | 7.92 |
GDOT Profitability
Margins and return-on-capital ratios measuring operating efficiency
Green Dot Corporation earns an operating margin of 2.7%, below the Financial Services sector average of 21.6%. Operating margins have expanded from 1.5% to 2.7% over the past 3 years, signaling improving operational efficiency. A negative ROE of -11.2% indicates the company is currently destroying shareholder equity. ROIC of 4.4% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 24.5% | 24.5% | 33.6% | 41.3% | 49.9% | 54.4% | 57.9% | 64.0% | 61.7% | 59.9% | 62.0% |
| Operating Margin | 2.7% | 2.7% | -0.1% | 1.5% | 6.5% | 4.6% | 2.4% | 11.1% | 12.2% | 12.1% | 8.7% |
| Net Profit Margin | -4.8% | -4.8% | -1.5% | 0.4% | 4.4% | 3.3% | 1.8% | 9.0% | 11.1% | 9.5% | 5.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -11.2% | -11.2% | -3.1% | 0.8% | 6.9% | 4.6% | 2.4% | 10.9% | 14.2% | 11.9% | 6.2% |
| ROA | -1.7% | -1.7% | -0.5% | 0.1% | 1.3% | 1.1% | 0.7% | 4.2% | 5.3% | 4.4% | 2.4% |
| ROIC | 4.4% | 4.4% | -0.1% | 1.9% | 7.4% | 4.7% | 2.2% | 9.4% | 10.8% | 10.1% | 6.1% |
| ROCE | 5.9% | 5.9% | -0.2% | 2.7% | 9.9% | 6.3% | 2.9% | 12.5% | 14.4% | 13.3% | 8.0% |
GDOT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Green Dot Corporation carries a Debt/EBITDA ratio of 0.5x, which is very conservative (89% below the sector average of 4.1x). The company holds a net cash position — cash of $1.4B exceeds total debt of $65M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 9.0x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.07 | 0.08 | 0.06 | 0.01 | 0.02 | 0.07 | 0.06 | 0.10 | 0.15 |
| Debt / EBITDA | 0.47 | 0.47 | 0.72 | 0.63 | 0.25 | 0.10 | 0.21 | 0.33 | 0.29 | 0.46 | 0.80 |
| Net Debt / Equity | — | -1.52 | -1.75 | -0.72 | -0.99 | -1.22 | -1.45 | -1.07 | -1.14 | -1.10 | -0.92 |
| Net Debt / EBITDA | -9.64 | -9.64 | -18.46 | -5.82 | -4.40 | -8.64 | -12.63 | -4.85 | -5.14 | -4.83 | -5.02 |
| Debt / FCF | — | -20.54 | -216.01 | -28.51 | -3.98 | -11.93 | -9.77 | -8.91 | -5.45 | -4.82 | -8.87 |
| Interest Coverage | 8.97 | 8.97 | -1.30 | — | 369.10 | 442.16 | 38.52 | — | 24.85 | 17.72 | 6.75 |
Net cash position: cash ($1.4B) exceeds total debt ($65M)
GDOT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.52x is below 1.0, meaning current liabilities exceed current assets — though the company's $1.4B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.41x to 0.52x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.52 | 0.52 | 0.54 | 0.41 | 0.37 | 0.50 | 0.78 | 1.00 | 1.03 | 0.99 | 1.05 |
| Quick Ratio | 0.52 | 0.52 | 0.54 | 0.41 | 0.37 | 0.50 | 0.78 | 1.00 | 1.03 | 0.99 | 1.05 |
| Cash Ratio | 0.28 | 0.28 | 0.35 | 0.17 | 0.21 | 0.36 | 0.48 | 0.74 | 0.82 | 0.69 | 0.76 |
| Asset Turnover | — | 0.35 | 0.32 | 0.31 | 0.30 | 0.30 | 0.30 | 0.45 | 0.47 | 0.41 | 0.42 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
GDOT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Green Dot Corporation does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | 1.3% | 7.5% | 2.3% | 0.8% | 8.1% | 2.7% | 2.7% | 3.4% |
| FCF Yield | 9.2% | 9.4% | 1.2% | 4.2% | 22.7% | 5.5% | 5.0% | 9.0% | 4.4% | 5.4% | 6.0% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.8% | 11.2% | 0.0% | 0.0% | 8.1% | 0.0% | 1.6% | 4.9% |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.8% | 11.2% | 0.0% | 0.0% | 8.1% | 0.0% | 1.6% | 4.9% |
| Shares Outstanding | — | $55M | $54M | $53M | $54M | $55M | $54M | $53M | $54M | $53M | $51M |
Peer Comparison
Compare GDOT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GDOTYou | $716M | -7.1 | -4.5 | 10.8 | 24.5% | 2.7% | -11.2% | 4.4% | 0.5 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 RPAY | $307M | -1.2 | 7.0 | 3.4 | 75.0% | -3.9% | -40.9% | -1.0% | 4.9 |
 SOFI | $20B | 41.0 | 22.8 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 DAVE | $3B | 18.4 | 69.5 | 11.6 | 79.8% | 8.0% | 73.1% | 11.1% | 1.6 |
 AFRM | $22B | 449.1 | 210.0 | 37.3 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 MOGO | $25M | -2.5 | 23.7 | — | 65.6% | -5.2% | -15.6% | -1.7% | 18.2 |
 NRDS | $726M | 15.3 | 5.4 | 5.6 | 92.4% | 8.3% | 13.2% | 14.0% | — |
 V | $616B | 31.5 | 24.6 | 28.6 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $443B | 30.3 | 22.0 | 26.2 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 WMT | $1.0T | 47.7 | 24.8 | 25.0 | 24.9% | 4.2% | 22.2% | 14.7% | 1.5 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 18 years · Updated daily
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Start ComparisonGDOT — Frequently Asked Questions
Quick answers to the most common questions about buying GDOT stock.
What is Green Dot Corporation's P/E ratio?
Green Dot Corporation's current P/E ratio is -7.1x. The historical average is 39.6x.
What is Green Dot Corporation's EV/EBITDA?
Green Dot Corporation's current EV/EBITDA is -4.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.5x.
What is Green Dot Corporation's ROE?
Green Dot Corporation's return on equity (ROE) is -11.2%. The historical average is 35.0%.
Is GDOT stock overvalued?
Based on historical data, Green Dot Corporation is trading at a P/E of -7.1x. Compare with industry peers and growth rates for a complete picture.
What are Green Dot Corporation's profit margins?
Green Dot Corporation has 24.5% gross margin and 2.7% operating margin.
How much debt does Green Dot Corporation have?
Green Dot Corporation's Debt/EBITDA ratio is 0.5x, indicating low leverage. A ratio below 2x is generally considered financially healthy.