Green Dot Corporation GDOT

FinancialsBanking ServicesUnited States of America

Last close 12.45 USD on Nov 3, 2026, −2.8% year to date

Quant rating

Quant rating C Rank 473 of 799 in Financials

Growth A 106 of 799
Valuation A 71 of 799
Quality B 318 of 799
Revisions D 598 of 799
Momentum D 670 of 799

Wall Street consensus Hold (2.67)Average target 16.12 USD +29.5%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 709M
Enterprise value: 4.3B
52-week range: 10.20 – 13.74
3-year range: 6.34 – 15.25
Dividend yield: –
Beta (5 years): 0.91
Shares outstanding: 57.0M
Next earnings: Nov 9, 2026

About the company

Green Dot Corporation is a financial technology and bank holding company. The Company offers a set of financial services to consumers and businesses, including debit, checking, credit, prepaid, and payroll cards, as well as robust money movement services. Its segment includes Consumer Services, Business to Business (B2B) Services, and Money Movement Services. The Consumer Services segment consists of deposit account programs, such as consumer checking accounts, prepaid cards, secured credit cards, and gift cards. The B2B Services segment consists of its partnerships with prominent consumer and technology companies that make its banking products and services available to their consumers, partners and workforce through integration with its banking platform, and a comprehensive payroll platform that it offers to corporate enterprises, to facilitate payments for the workforce. The Money Movement Services segment consists of money processing services and tax refund processing services.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	2,080	1,724	1,501	1,450	1,433	–
Revenue growth	20.7%	14.8%	3.6%	1.1%	14.3%	10.7%
EPS (basic, normalized)	−1.30	0.03	0.34	1.49	0.87	–
EPS growth	–	−91.6%	−77.5%	71.3%	12.3%	–
Gross margin	–	–	–	–	–	–
Net margin	−4.8%	−1.5%	0.4%	4.4%	3.3%	0.4%
ROE	–	8.5%	10.4%	17.9%	11.8%	12.2%

Balance sheet, last quarter
Cash & short-term investments (mil)	1,143
Tier 1 risk-adjusted capital ratio	–
Long-term debt (mil)	63.7
Net debt (mil)	3,561
Total equity (mil)	939
Net debt / equity	3.79x

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	2,080	+20.7%	2.1x	16.02	−10.3%	0.8x	1.41	+2.9%	8.8x
2026	2,345	+12.7%	1.8x	–	–	–	1.63	+15.4%	7.7x
2027	2,544	+8.5%	1.7x	–	–	–	1.50	−7.8%	8.3x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	2,345	0.0%	+0.8%	+3.8%	1.63	0.0%	−5.4%	+9.7%
2027	2,544	0.0%	–	+6.6%	1.50	0.0%	–	−10.2%
2028	–	–	–	–	–	–	–	–

Earnings surprises EPS beat in 2 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	452	407	410	455	559	504	495	523	656	596
Sales mean (mil)	421	386	393	423	508	492	485	543	599	543
Surprise	+7.4%	+5.5%	+4.4%	+7.5%	+10.0%	+2.5%	+2.0%	−3.7%	+9.6%	+9.7%
EPS reported	0.59	0.25	0.13	0.40	1.06	0.40	0.06	−0.08	1.12	0.26
EPS mean	0.73	0.23	0.17	0.35	0.71	0.18	−0.09	−0.10	0.88	0.37
Surprise	−18.8%	+9.6%	−22.7%	+13.1%	+49.9%	+122.2%	−166.7%	+20.0%	+26.8%	−29.7%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
GDOT Green Dot Corporation	709M	–	−4.8%	–	7.7x	8.3x	–	–
FCFS Firstcash Holdings Inc (Texas)	8.3B	–	9.0%	–	17.7x	15.3x	–	–
CACC Credit Acceptance Corp	4.9B	–	18.3%	–	9.9x	9.5x	18.2x	17.1x
NNI Nelnet, Inc.	4.4B	–	21.2%	–	16.5x	14.4x	–	–
ENVA Enova International, Inc.	4.3B	–	16.8%	–	10.1x	8.2x	2.5x	2.0x
SLM SLM Corp	3.3B	11.2%	27.8%	1.04x	8.9x	6.0x	1.5x	1.3x
Mean		11.2%	14.7%	1.04x	11.8x	10.3x	7.4x	6.8x
Median		11.2%	17.6%	1.04x	10.0x	8.9x	2.5x	2.0x

Technical analysis

1M−0.4%
3M−6.5%
1Y+7.6%
3Y+2.0%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Green Dot Corporation, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	2,080	1,724	1,501	1,450	1,433	1,254
Total interest expense	–	–	–	–	–	–
Net interest income	2,080	1,724	1,501	1,450	1,433	1,254
Loan loss provision	–	–	–	–	–	–
Net interest income after loan loss provision	–	–	–	–	–	–
Non-interest income	–	–	–	–	–	–
Non-interest expense	–	–	–	–	–	–
Net income before taxes	−97.3	−22.5	14.6	83.9	63.7	28.1
Provision for taxes	1.6	4.2	7.9	19.7	16.2	5.0
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	−98.9	−26.7	6.7	64.2	47.5	23.1
Extraordinary items	–	–	–	–	–	–
Net income	−98.9	−26.7	6.7	64.2	47.5	23.1
Basic weighted average shares (mil)	55.1	53.5	52.3	53.4	54.1	52.4
Diluted weighted average shares (mil)	55.1	53.5	52.5	53.9	55.2	53.7
Basic EPS excluding extraordinary items	−1.79	−0.50	0.13	1.20	0.87	0.43
Basic EPS, normalized	−1.30	0.03	0.34	1.49	0.87	0.78

Balance sheet in millions of USD, fiscal years

Balance sheet, Green Dot Corporation, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	–	–	–	–	–	–
Other earning assets	–	–	–	–	–	–
Net loans	–	–	–	–	–	–
Property, plant & equipment	199	199	185	169	146	147
Goodwill	302	302	302	302	302	302
Intangibles	72.6	96.2	119	143	165	190
Long-term investments	2,510	2,137	2,313	2,446	2,177	971
Other long-term assets	206	240	231	242	107	71.6
Other assets	–	–	–	–	–	–
Total assets	5,985	5,434	4,817	4,789	4,725	4,115
Liabilities
Accounts payable	115	104	120	114	51.4	34.8
Payable/accrued	–	–	–	–	–	–
Accrued expenses	154	90.1	94.6	102	135	154
Total deposits	–	–	–	–	–	–
Other bearing liabilities	–	–	–	–	–	–
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	0	61.0	–	–	–
Long-term debt	63.5	48.5	0	35.0	0	0
Minority interest	–	–	–	–	–	–
Other liabilities	4,763	4,318	3,682	3,757	3,468	2,917
Total liabilities	5,095	4,561	3,958	4,008	3,655	3,105
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	0.1	0.1	0.1	0.1	0.1	0.1
Additional paid-in capital	427	408	376	341	401	354
Retained earnings (accumulated deficit)	645	744	770	764	699	652
Treasury stock	–	–	–	–	–	–
Other equity	−182	−278	−287	−323	−29.8	3.4
Total equity	890	874	859	781	1,071	1,010
Total liabilities & shareholders' equity	5,985	5,434	4,817	4,789	4,725	4,115

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Green Dot Corporation, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	−98.9	−26.7	6.7	64.2	47.5	23.1
Depreciation, depletion & amortization	85.5	84.7	83.0	80.6	84.8	86.1
Deferred taxes	0.4	−10.4	−11.9	−6.7	2.7	−15.0
Non-cash items	173	95.9	87.8	94.7	97.3	85.5
Changes in working capital	−21.1	−62.2	−68.1	44.8	−65.3	29.4
Cash from operations	139	81.4	97.5	278	167	209
Investing activities
Capital expenditures	−72.5	−74.3	−75.9	−84.3	−57.4	−59.0
Other investing cash flows	−378	156	109	−736	−1,311	−727
Cash from investing	−451	81.4	33.2	−820	−1,368	−786
Financing activities
Financing cash flow items	123	750	−296	91.1	1,022	1,025
Cash dividends paid	–	–	–	–	–	–
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	18.5	−6.5	31.6	−54.3	8.0	−18.0
Cash from financing	141	743	−264	36.7	1,030	1,007
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−171	906	−133	−506	−171	431
Free cash flow	66.0	7.1	21.6	193	110	150

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 3, 2026 after market close.