Green Dot Corporation

Green Dot Corporation

GDOTยทNYSE

$12.44

-1.9%
Financial ServicesFinancial - Credit Services

Green Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company offers deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It also provides money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and simply paid disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services comprising tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Austin, Texas.

At a Glance

Live Snapshot
Market Cap$705.10M
EPS-1.7900
P/E Ratio-6.95
Earnings Date07/30/2026
Green Dot Corporation

Green Dot Corporation Fair Value Envelope

GDOT ยท NYSE

Our analysis suggests that GDOT has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $12.44, this represents a potential HIDDEN relative to our calculated worth for Green Dot Corporation.

Intrinsic Value
Current Price: $12.44

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1,127.9B
+ Cash & Equivalents$1.4B
Firm Value$1,129.3B
- Debt$65.5M
Equity Value$1,129.2B
/ Shares Outstanding55,392,705B
DCF Value$20.4K
UNDERVALUED BY 163775%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$277.1M
$554.2M
$1.1B
$2.2B
$4.4B
$8.9B
$17.7B
$35.5B
$70.9B
$141.9B
Maintenance CapEx
-$29.0M
-$58.0M
-$116.1M
-$232.1M
-$464.3M
-$928.5M
-$1.9B
-$3.7B
-$7.4B
-$14.9B
Owner Earnings
$248.1M
$496.2M
$992.4M
$2.0B
$4.0B
$7.9B
$15.9B
$31.8B
$63.5B
$127.0B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$229.7M
$425.4M
$787.8M
$1.5B
$2.7B
$5.0B
$9.3B
$17.2B
$31.8B
$58.8B
Terminal Value represents 88.7% of Enterprise Value