Green Dot Corporation

Green Dot Corporation

GDOTยทNYSE

$12.68

-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$718.71M
EPS-1.7900
P/E Ratio-7.14
Earnings Date07/30/2026

Intrinsic Alpha Methodology

Thesis Lenses

Signal ยท Driver ยท Risk

Signal

Medium confidence

Valuation multiple is compressed (P/E -7.1).

Valuation inputs: P/E -7.1, earnings yield N/A, momentum -1.9%.

If multiples stay elevated while momentum fades, downside repricing risk rises.

Driver

High confidence

Return profile is soft (ROE -11.1%, ROIC +5.8%).

Profitability stack: net margin -4.8%, ROE -11.1%, ROIC +5.8%.

Quality deterioration often appears in margins before it shows up in headline EPS.

Risk

High confidence

Downside profile is elevated and scenario stress-testing is essential.

Risk factors: liabilities/assets +85.1%, momentum -1.9%, net margin -4.8%.

Higher leverage with weak momentum and thin margins can amplify drawdown severity.

gdot

Green Dot Corporation Market vs Earnings Trajectory

GDOT ยท NYSE

Loading price and EPS data...

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 $12.68, this represents a potential HIDDEN relative to our calculated worth for Green Dot Corporation.

Intrinsic Value
Current Price: $12.68
3Y-249.0%
5Y-516.0%
10Y-318.0%
3Y+44.0%
5Y+66.0%
10Y+187.0%
3Y-254.0%
5Y-527.0%
10Y-338.0%
3Y-50.0%
5Y-34.0%
10Y+24.0%
3Y-66.0%
5Y-56.0%
10Y-3.0%
3Y+25.0%
5Y+45.0%
10Y+244.0%
Green Dot Corporation

Green Dot Corporation Profit Bridge

GDOT ยท NYSE
Revenue2.08B
Cost of Goods Sold (1.57B)
Gross Profit510.15M
Operating Expenses (454.94M)
Operating Income55.21M
Interest Expense (6.15M)
Other Income/Expense-152.48M
Pretax Income-97.27M
Income Tax (1.59M)
Net Income-98.87M
Net Income
-98.87M

Profitability Analysis

Gross Margin

24.5%

Moderate margins typical of competitive industries. Monitor for pricing pressure or rising costs.

Operating Margin

2.7%

Minimal operating profit suggests high operating costs or pricing challenges. Scalability is concerning.

Net Profit Margin

-4.8%

Net losses indicate the company is burning cash. Sustainability depends on path to profitability.

Profitability Insight

Non-operating losses: Core business is profitable but other expenses (interest, taxes, one-time items) are driving net losses. Review capital structure and non-operating items.

24.52%
Gross Profit Margin
-27%
3Y-51.0%
5Y-58.0%
10Y-60.0%
2.65%
Operating Profit Margin
-2841%
3Y-59.0%
5Y+11.0%
10Y-70.0%
-4.75%
Net Profit Margin
207%
3Y-207.0%
5Y-358.0%
10Y-183.0%
-11.11%
Return on Equity
263%
3Y-235.0%
5Y-585.0%
10Y-283.0%
-1.65%
Return on Assets
236%
3Y-223.0%
5Y-394.0%
10Y-169.0%
5.78%
Return on Invested Capital
-3335%
3Y-34.0%
5Y+144.0%
10Y+8.0%
GDOT

Green Dot Corporation Cash Conversion Engine

GDOT ยท NYSE
Net Income-98.87M
Depreciation & Amortization85.52M
Stock-Based Compensation18.70M
Change in Working Capital-21.05M
Others153.88M
Capital Expenditures-72.54M
Free Cash Flow66.02M

Cash Flow Quality Analysis

FCF Conversion Rate

-66.8%

Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.

CapEx Intensity

52.4%

Capital-intensive operations require significant reinvestment. Monitor whether CapEx is maintenance or growth-oriented.

FCF Growth Trend

+830.3%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$21.05M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.

gdot

Green Dot Corporation Funding & Solvency Profile

GDOT ยท NYSE
Cash & Cash Equivalents1.65B
Net Receivables196.34M
Inventory0.00
Other Current Assets986.86M
Total Current Assets3 B
Property, Plant & Equipment199.98M
Goodwill & Intangible Assets369.00M
Long-Term Investments2.97B
Other Non-Current Assets202.52M
Total Non-Current Assets3 B
Total Assets
6.65B

Financial Health Analysis

Current Ratio

0.50x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.07x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2815178000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

43% Current

Balanced asset mix between current and non-current assets, typical of many stable businesses.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

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Green Dot Corporation Street Expectations Map

GDOT ยท NYSE

Wall Street analysts project that GDOT stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 18.00, with estimates ranging from a low of 18.00 to a high of 18.00.

Lowest Target
18.00
41.96%
Consensus Target
18.00
41.96%
Highest Target
18.00
41.96%

The consensus 1-year price target stands at 18.00, with estimates ranging from a low of 18.00 to a high of 18.00.

Analyst Consensus Analysis

Upside Potential

+42.0%

Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.

Analyst Agreement

0.0% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Analyst Conviction

Very High

Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.

Market Sentiment Insight

Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.

gdot

Green Dot Corporation Insider Positioning

GDOT ยท NYSE

During the last 12 months, insiders have sold $488K worth of GDOT shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

0

0.00

Sold

22.6K

284.74K

Net Activity

-285K

-$285K

9-12 Months

Bought

0

0.00

Sold

17.0K

203.59K

Net Activity

-204K

-$204K

Top Buyers

No buying activity

Top Sellers

1
RCD

Ruppel Christian Devin

Officer: Interim President

17.0K sharesโ€ข1 transactions

$204K

2
FSS

Fanlo Saturnino Sixto

Director

13.5K sharesโ€ข1 transactions

$170K

3
BJC

Brewster J Chris

Director

8.0K sharesโ€ข1 transactions

$99K

4
PAM

Pugh Amy Myers

Officer: General Counsel And Secretary

1.2K sharesโ€ข1 transactions

$17K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $488K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Insider Participation

High Selling

4 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.

No Dividend Yield Data

GDOT has not reported any dividend yield values in the available annual periods.

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gdot Dividend History

GDOT
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%