17 years of historical data (2008–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
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 90.3x P/FCF, 207% above the 5-year average of 29.4x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $641M | $570M | $520M | $852M | $2.0B | $3.0B | $1.2B | $4.3B | $3.2B | $1.2B | $852M |
| Enterprise Value | $-892141240 | $-963280720 | $-95358000 | $82M | $694M | $1.5B | $243M | $3.3B | $2.4B | $564M | $201M |
| P/E Ratio → | -23.12 | — | 76.15 | 13.29 | 42.64 | 132.86 | 12.39 | 36.48 | 37.43 | 29.44 | 22.81 |
| P/S Ratio | 0.37 | 0.33 | 0.35 | 0.59 | 1.40 | 2.39 | 1.12 | 4.07 | 3.56 | 1.65 | 1.22 |
| P/B Ratio | 0.71 | 0.65 | 0.60 | 1.09 | 1.87 | 2.97 | 1.34 | 4.76 | 4.19 | 1.75 | 1.28 |
| P/FCF | 90.29 | 80.26 | 24.09 | 4.41 | 18.26 | 19.95 | 11.08 | 22.80 | 18.41 | 16.79 | 7.82 |
| P/OCF | 7.87 | 7.00 | 5.33 | 3.07 | 11.98 | 14.32 | 6.52 | 17.26 | 14.68 | 10.45 | 5.44 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.56 | -0.06 | 0.06 | 0.48 | 1.22 | 0.22 | 3.09 | 2.63 | 0.78 | 0.29 |
| EV / EBITDA | -10.74 | -11.60 | -0.90 | 0.47 | 4.59 | 13.16 | 1.19 | 16.34 | 13.61 | 4.49 | 1.66 |
| EV / EBIT | — | — | -4.85 | 0.87 | 10.46 | 52.15 | 2.01 | 26.29 | 22.87 | 9.17 | 3.46 |
| EV / FCF | — | -135.75 | -4.42 | 0.42 | 6.33 | 10.18 | 2.18 | 17.35 | 13.59 | 7.92 | 1.85 |
Margins and return-on-capital ratios measuring operating efficiency
Green Dot Corporation earns an operating margin of -0.1%, below the Financial Services sector average of 21.9%. Operating margins have compressed from 6.5% to -0.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -3.1% indicates the company is currently destroying shareholder equity.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 33.6% | 33.6% | 41.3% | 49.9% | 54.4% | 57.9% | 64.0% | 61.7% | 59.9% | 62.0% | 60.5% |
| Operating Margin | -0.1% | -0.1% | 1.5% | 6.5% | 4.6% | 2.4% | 11.1% | 12.2% | 12.1% | 8.7% | 8.5% |
| Net Profit Margin | -1.5% | -1.5% | 0.4% | 4.4% | 3.3% | 1.8% | 9.0% | 11.1% | 9.5% | 5.7% | 5.5% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -3.1% | -3.1% | 0.8% | 6.9% | 4.6% | 2.4% | 10.9% | 14.2% | 11.9% | 6.2% | 5.9% |
| ROA | -0.5% | -0.5% | 0.1% | 1.3% | 1.1% | 0.7% | 4.2% | 5.3% | 4.4% | 2.4% | 2.3% |
| ROIC | -0.1% | -0.1% | 1.9% | 7.4% | 4.7% | 2.2% | 9.4% | 10.8% | 10.1% | 6.1% | 5.7% |
| ROCE | -0.2% | -0.2% | 2.7% | 9.9% | 6.3% | 2.9% | 12.5% | 14.4% | 13.3% | 8.0% | 7.5% |
Solvency and debt-coverage ratios — lower is generally safer
Green Dot Corporation carries a Debt/EBITDA ratio of 0.7x, which is very conservative (83% below the sector average of 4.1x). The company holds a net cash position — cash of $1.6B exceeds total debt of $60M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.08 | 0.06 | 0.01 | 0.02 | 0.07 | 0.06 | 0.10 | 0.15 | 0.18 |
| Debt / EBITDA | 0.72 | 0.72 | 0.63 | 0.25 | 0.10 | 0.21 | 0.33 | 0.29 | 0.46 | 0.80 | 1.01 |
| Net Debt / Equity | — | -1.75 | -0.72 | -0.99 | -1.22 | -1.45 | -1.07 | -1.14 | -1.10 | -0.92 | -0.98 |
| Net Debt / EBITDA | -18.46 | -18.46 | -5.82 | -4.40 | -8.64 | -12.63 | -4.85 | -5.14 | -4.83 | -5.02 | -5.37 |
| Debt / FCF | — | -216.01 | -28.51 | -3.98 | -11.93 | -9.77 | -8.91 | -5.45 | -4.82 | -8.87 | -5.97 |
| Interest Coverage | -0.30 | -0.30 | — | 370.10 | 443.16 | 39.52 | — | 25.85 | 18.72 | 6.94 | 9.98 |
Net cash position: cash ($1.6B) exceeds total debt ($60M)
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.54x is below 1.0, meaning current liabilities exceed current assets — though the company's $1.6B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.37x to 0.54x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.54 | 0.54 | 0.41 | 0.37 | 0.50 | 0.78 | 1.00 | 1.03 | 0.99 | 1.05 | 1.10 |
| Quick Ratio | 0.54 | 0.54 | 0.41 | 0.37 | 0.50 | 0.78 | 1.00 | 1.03 | 0.99 | 1.05 | 1.10 |
| Cash Ratio | 0.35 | 0.35 | 0.17 | 0.21 | 0.36 | 0.48 | 0.74 | 0.82 | 0.69 | 0.76 | 0.87 |
| Asset Turnover | — | 0.32 | 0.31 | 0.30 | 0.30 | 0.30 | 0.45 | 0.47 | 0.41 | 0.42 | 0.41 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
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.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 1.3% | 7.5% | 2.3% | 0.8% | 8.1% | 2.7% | 2.7% | 3.4% | 4.4% |
| FCF Yield | 1.1% | 1.2% | 4.2% | 22.7% | 5.5% | 5.0% | 9.0% | 4.4% | 5.4% | 6.0% | 12.8% |
| Buyback Yield | 0.0% | 0.0% | 0.8% | 11.2% | 0.0% | 0.0% | 8.1% | 0.0% | 1.6% | 4.9% | 4.8% |
| Total Shareholder Yield | 0.0% | 0.0% | 0.8% | 11.2% | 0.0% | 0.0% | 8.1% | 0.0% | 1.6% | 4.9% | 4.8% |
| Shares Outstanding | — | $54M | $53M | $54M | $55M | $54M | $53M | $54M | $53M | $51M | $52M |
Compare GDOT with 7 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| GDOTYou | $641M | -23.1 | -10.7 | 90.3 | 33.6% | -0.1% | -3.1% | -0.1% | 0.7 |
| MA | $458B | 31.3 | 22.7 | 26.7 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
| AXP | $213B | 22.0 | 15.3 | 17.5 | 81.9% | 17.4% | 34.7% | 12.2% | 3.5 |
| PYPL | $43B | 8.5 | 5.9 | 7.6 | 47.0% | 19.7% | 25.7% | 16.3% | 1.3 |
| WU | $3B | 6.3 | 1.9 | 7.7 | 28.7% | 19.4% | 51.9% | 23.3% | — |
| V | $3B | 31.4 | 0.3 | 0.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
| CURR | $160M | -2.0 | — | 55.7 | 31.4% | -59.0% | — | — | — |
| PMTS | $140M | 7.5 | 5.0 | 4.1 | 35.6% | 13.1% | — | 19.9% | 3.7 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 17 years · Updated daily
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Start ComparisonGreen Dot Corporation's current P/E ratio is -23.1x. The historical average is 39.6x.
Green Dot Corporation's current EV/EBITDA is -10.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.5x.
Green Dot Corporation's return on equity (ROE) is -3.1%. The historical average is 37.7%.
Based on historical data, Green Dot Corporation is trading at a P/E of -23.1x. Compare with industry peers and growth rates for a complete picture.
Green Dot Corporation has 33.6% gross margin and -0.1% operating margin.
Green Dot Corporation's Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.