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Green Dot Corporation GDOT
Financial Services - Financial - Credit Services - NYSE - US
Watchlist
$ 7.11
-4.44 %
$ 386 M
Market Cap
-14.22
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GDOT stock under the worst case scenario is HIDDEN Compared to the current market price of 7.11 USD, Green Dot Corporation is HIDDEN

GDOT Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GDOT stock under the base case scenario is HIDDEN Compared to the current market price of 7.11 USD, Green Dot Corporation is HIDDEN

GDOT Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GDOT stock under the best case scenario is HIDDEN Compared to the current market price of 7.11 USD, Green Dot Corporation is HIDDEN

GDOT Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart GDOT

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1M -9%
6M -57.0%
1Y -13%
3Y -286%
5Y -255.0%
All
$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.0$10.0$10.0$9.0$9.0$8.0$8.0$7.0$7.0$6.0$6.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.72 B REVENUE
14.82%
Growth Rates
1Year 14.82%
3Years 6.35%
5Years 9.23%
7Years 9.71%
10Years 11.03%
-1.67 M OPERATING INCOME
-7.36%
Growth Rates
1Year -7.36%
3Years -0.83%
5Years -0.27%
7Years -0.24%
10Years -0.28%
-26.7 M NET INCOME
-397.23%
Growth Rates
1Year -397.23%
3Years -16.04%
5Years -4.85%
7Years -3.94%
10Years -4.98%
81.4 M OPERATING CASH FLOW
-16.55%
Growth Rates
1Year -16.55%
3Years -20.59%
5Years -15.59%
7Years -13.15%
10Years 4.49%
81.4 M INVESTING CASH FLOW
145.50%
Growth Rates
1Year 145.50%
3Years 27.23%
5Years 20.39%
7Years 13.07%
10Years 9.40%
743 M FINANCING CASH FLOW
381.48%
Growth Rates
1Year 381.48%
3Years -10.45%
5Years 68.07%
7Years 21.31%
10Years 5.70%
455 M REVENUE
11.05%
Growth Rates
1Year 14.82%
3Years 6.35%
5Years 9.23%
7Years 9.71%
10Years 11.03%
14.4 M OPERATING INCOME
590.35%
Growth Rates
1Year -7.36%
3Years -0.83%
5Years -0.27%
7Years -0.24%
10Years -0.28%
5.1 M NET INCOME
165.09%
Growth Rates
1Year -397.23%
3Years -16.04%
5Years -4.85%
7Years -3.94%
10Years -4.98%
-23 M OPERATING CASH FLOW
-41.36%
Growth Rates
1Year -16.55%
3Years -20.59%
5Years -15.59%
7Years -13.15%
10Years 4.49%
-4.42 M INVESTING CASH FLOW
-5.66%
Growth Rates
1Year 145.50%
3Years 27.23%
5Years 20.39%
7Years 13.07%
10Years 9.40%
166 M FINANCING CASH FLOW
122.82%
Growth Rates
1Year 381.48%
3Years -10.45%
5Years 68.07%
7Years 21.31%
10Years 5.70%
Balance Sheet Green Dot Corporation
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Current Assets 2.43 B
Cash & Short-Term Investments 1.62 B
Receivables 85.4 M
Other Current Assets 726 M
Non-Current Assets 3.01 B
Long-Term Investments 2.01 B
PP&E 199 M
Other Non-Current Assets 798 M
29.75 %13.36 %36.96 %3.67 %14.69 %Total Assets$5.4b
Current Liabilities 4.5 B
Accounts Payable 104 M
Short-Term Debt 2.42 M
Other Current Liabilities 4.4 B
Non-Current Liabilities 58.2 M
Long-Term Debt 57.2 M
Other Non-Current Liabilities 1.04 M
96.40 %Total Liabilities$4.6b
EFFICIENCY
Earnings Waterfall Green Dot Corporation
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Revenue 1.72 B
Cost Of Revenue 0
Gross Profit 1.72 B
Operating Expenses 1.73 B
Operating Income -1.67 M
Other Expenses 25 M
Net Income -26.7 M
2b2b2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)2b02b(2b)(2m)(25m)(27m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 63.76%
5Years 60.73%
7Years 61.32%
10Years 61.16%
-0.10% OPERATING MARGIN
-0.10%
Averages
1Year -0.10%
3Years 2.64%
5Years 2.99%
7Years 5.15%
10Years 6.42%
-1.55% NET MARGIN
-1.55%
Averages
1Year -1.55%
3Years 1.11%
5Years 1.70%
7Years 4.09%
10Years 4.94%
-3.06% ROE
-3.06%
Averages
1Year -3.06%
3Years 1.98%
5Years 2.53%
7Years 5.21%
10Years 5.96%
-0.49% ROA
-0.49%
Averages
1Year -0.49%
3Years 0.33%
5Years 0.51%
7Years 1.69%
10Years 2.04%
-0.21% ROIC
-0.21%
Averages
1Year -0.21%
3Years 3.19%
5Years 3.30%
7Years 5.22%
10Years 5.59%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Green Dot Corporation
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200m200m180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -26.7 M
Depreciation & Amortization 84.7 M
Capital Expenditures -74.3 M
Stock-Based Compensation 29.9 M
Change in Working Capital 0
Others 3.81 M
Free Cash Flow 7.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Green Dot Corporation
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GDOT has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
6. Ownership
Insider Ownership Green Dot Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
20.1 M USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
3.88 M USD 2
3-6 MONTHS
4.77 M USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Green Dot Awarded “Outstanding” Community Reinvestment Act (CRA) Rating by the Federal Reserve PROVO, Utah--(BUSINESS WIRE)-- #BaaS--Green Dot Bank, a subsidiary of Green Dot Corporation (NYSE: GDOT), has earned a Community Reinvestment Act (CRA) overall rating of “Outstanding” from the Federal Reserve, reinforcing the company's commitment to delivering financial tools and support to consumers and small businesses in need, particularly in low-to-moderate-income (LMI) communities. Earning the office's highest possible overall rating, Green Dot also received ratings of “Outstanding” for both its C. businesswire.com - 3 weeks ago
Green Dot Changes Leadership and Explores Strategic Alternatives Digital bank and FinTech company Green Dot said Monday (March 10) that it made a leadership transition and engaged Citi to explore strategic alternatives. pymnts.com - 1 month ago
Why You Should Retain Green Dot Stock in Your Portfolio for Now In addition to its core offerings like prepaid cards and tax processing services, GDOT utilizes its technology and FDIC-insured banking license to provide Banking-as-a-Service. zacks.com - 1 month ago
Green Dot Appoints Kim Olson as Chief Risk Officer PROVO, Utah--(BUSINESS WIRE)-- #BaaS--Green Dot Names Kim Olson Chief Risk Officer. businesswire.com - 1 month ago
GDOT's Earnings and Revenues Surpass Estimates in Q4 GDOT's fourth-quarter 2024 earnings and revenues increase on a year-over-year basis. zacks.com - 1 month ago
Green Dot Corporation (GDOT) Q4 2024 Earnings Call Transcript Green Dot Corporation (NYSE:GDOT ) Q4 2024 Earnings Conference Call February 27, 2025 5:00 PM ET Company Participants Tim Willi - Senior Vice President, Finance and Corporate Development George Gresham - Chief Executive Officer and President Jess Unruh - Chief Financial Officer Chris Ruppel - Chief Revenue Officer Conference Call Participants Shray Gurtata - Barclays Tim Switzer - KBW Marc Feldman - William Blair Logan Lillehaug - Craig-Hallum Operator Good afternoon, and welcome to the Green Dot Corporation Fourth Quarter 2024 Conference Call. All participants will be in listen-only mode. seekingalpha.com - 1 month ago
Green Dot (GDOT) Q4 Earnings and Revenues Beat Estimates Green Dot (GDOT) came out with quarterly earnings of $0.40 per share, beating the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.14 per share a year ago. zacks.com - 1 month ago
Green Dot to Announce Fourth Quarter 2024 Results on February 27th PROVO, Utah--(BUSINESS WIRE)--Green Dot Corporation (NYSE: GDOT) will host a conference call and earnings webcast to discuss fourth quarter 2024 financial results on Thursday, February 27th, 2025 at 5:00 p.m. ET. A press release with the company's fourth quarter 2024 financial results will be issued after the market closes on the same day. The live webcast of the call can be accessed from Green Dot's investor relations website at http://ir.greendot.com/. A replay will be available at the same w. businesswire.com - 2 months ago
GDOT's BaaS Account Programs Aid Market Expansion Amid Low Liquidity The Green Dot stock is benefiting from its longstanding relationship with Walmart and strong balance sheet position. zacks.com - 3 months ago
Green Dot: An Unloved Payments Stock, At An Inflection Point Green Dot is undervalued with a 17% FCF yield, poised for positive organic growth and new customer wins starting Q4 2024. The company's net interest income will increase as legacy mortgages roll off, boosting profitability by $35 million annually. Strong market positions in six business lines, with significant potential in Banking-As-A-Service and Direct Consumer segments. seekingalpha.com - 3 months ago
Varo Bank Introduces Zero Fee Cash Deposits at Participating CVS Locations New Collaboration with Green Dot Enables Cash Deposits at Over 7,500 CVS Pharmacy Locations AUSTIN, Texas and SAN FRANCISCO , Dec. 20, 2024 /PRNewswire/ -- Varo Bank , the first all-digital nationally chartered bank in the U.S., today announced a collaboration with Green Dot Corporation  (NYSE: GDOT) and CVS Health  (NYSE: CVS) to enable deposits for no fee for millions of Varo Bank customers at over 7,500 participating CVS Pharmacy locations nationwide. 1  Utilizing Green Dot's embedded finance platform (Arc) and expansive money movement network, the "Green Dot Network," Varo customers can now deposit cash at participating CVS Pharmacy locations 2  with zero fees. prnewswire.com - 3 months ago
Green Dot: A Turnaround Play That May Pay Out Green Dot is transforming by investing in embedded finance to offset declines from legacy operations, focusing on consumer services, B2B, and money movement services. Despite recent struggles, GDOT's margin improvements and new BaaS customers like PLS and Dayforce signal potential growth in embedded finance. Risks include competition, low BaaS margins, and reliance on key partners like Walmart, but GDOT's disciplined approach and tech investments offer hope. seekingalpha.com - 4 months ago
8. Profile Summary

Green Dot Corporation GDOT

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 386 M
Dividend Yield 0.00%
Description 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.
Contact 114 W 7th Street, Austin, TX, 78701 https://www.greendot.com
IPO Date July 22, 2010
Employees 1150
Officers Mr. Michael Althouse Chief Compliance Officer Mr. Chris Ruppel Interim President & Chief Revenue Officer Mr. Jess Unruh Chief Financial Officer Ms. Alison Lubert Senior Vice President & Head of Corporate Communications Ms. Teresa Watkins Chief Operations Officer Mr. Dave Harden Chief Technology Officer Mr. William I. Jacobs Interim Chief Executive Officer & Chairman of the Board Ms. Amy Myers Pugh General Counsel & Secretary Mr. Michael Meston Chief Human Resources Officer Mr. Timothy Wayne Willi Senior Vice President of Finance & Corporate Development