Green Dot Corporation

LSE:0J0N Stock Report

Market Cap: US$527.1m

Green Dot Valuation

Is 0J0N undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0J0N when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0J0N ($9.92) is trading below our estimate of fair value ($12.98)

Significantly Below Fair Value: 0J0N is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0J0N?

Key metric: As 0J0N is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for 0J0N. This is calculated by dividing 0J0N's market cap by their current book value.
What is 0J0N's PB Ratio?
PB Ratio0.5x
BookUS$932.25m
Market CapUS$527.11m

Price to Book Ratio vs Peers

How does 0J0N's PB Ratio compare to its peers?

The above table shows the PB ratio for 0J0N vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average1x
FCH Funding Circle Holdings
1.8x87.7%UK£415.9m
IPF International Personal Finance
0.6x10.3%UK£285.6m
SUS S&U
0.8x21.7%UK£175.6m
HAT H&T Group
0.8x6.7%UK£149.1m
0J0N Green Dot
0.5x121.8%US$527.1m

Price-To-Book vs Peers: 0J0N is good value based on its Price-To-Book Ratio (0.5x) compared to the peer average (1x).

Price to Book Ratio vs Industry

How does 0J0N's PB Ratio compare vs other companies in the European Consumer Finance Industry?

2 CompaniesPrice / BookEstimated GrowthMarket Cap
0J0N 0.5xIndustry Avg. 1.4xNo. of Companies6PB00.81.62.43.24+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: 0J0N is good value based on its Price-To-Book Ratio (0.5x) compared to the European Consumer Finance industry average (1.4x).

Price to Book Ratio vs Fair Ratio

What is 0J0N's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0J0N PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio0.5x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate 0J0N's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0J0N forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$9.92
US$12.33
+24.4%
16.7%US$15.00US$10.00n/a3
Jan ’26US$10.56
US$12.33
+16.8%
16.7%US$15.00US$10.00n/a3
Dec ’25US$10.27
US$12.33
+20.1%
16.7%US$15.00US$10.00n/a3
Nov ’25US$11.26
US$12.00
+6.6%
15.6%US$15.00US$10.00n/a4
Oct ’25US$11.26
US$11.75
+4.4%
17.4%US$15.00US$10.00n/a4
Sep ’25US$11.14
US$10.75
-3.5%
26.6%US$15.00US$7.00n/a4
Aug ’25US$9.30
US$10.75
+15.7%
26.6%US$15.00US$7.00n/a4
Jul ’25US$9.34
US$10.75
+15.1%
26.6%US$15.00US$7.00n/a4
Jun ’25US$9.91
US$10.75
+8.5%
26.6%US$15.00US$7.00n/a4
May ’25US$8.86
US$10.75
+21.4%
26.6%US$15.00US$7.00n/a4
Apr ’25US$9.36
US$10.60
+13.2%
26.9%US$15.00US$7.00n/a5
Mar ’25US$8.11
US$10.67
+31.5%
24.5%US$15.00US$7.00n/a6
Feb ’25US$9.12
US$12.50
+37.1%
28.8%US$18.00US$7.00n/a6
Jan ’25US$10.03
US$13.17
+31.3%
28.9%US$18.00US$7.00US$10.566
Dec ’24US$8.57
US$13.33
+55.6%
26.6%US$18.00US$8.00US$10.276
Nov ’24US$11.05
US$18.17
+64.4%
20.5%US$25.00US$13.00US$11.266
Oct ’24US$13.65
US$21.33
+56.3%
13.7%US$25.00US$16.00US$11.266
Sep ’24US$14.88
US$21.83
+46.7%
9.7%US$25.00US$19.00US$11.146
Aug ’24US$19.41
US$21.83
+12.5%
9.7%US$25.00US$19.00US$9.306
Jul ’24US$19.12
US$21.00
+9.8%
11.0%US$25.00US$18.00US$9.346
Jun ’24US$17.48
US$20.50
+17.3%
13.4%US$25.00US$17.00US$9.916
May ’24n/a
US$20.43
0%
12.5%US$25.00US$17.00US$8.867
Apr ’24n/a
US$20.43
0%
12.5%US$25.00US$17.00US$9.367
Mar ’24US$18.77
US$20.43
+8.9%
12.5%US$25.00US$17.00US$8.117
Feb ’24US$17.95
US$22.71
+26.6%
18.2%US$30.00US$17.00US$9.127
Jan ’24US$15.66
US$23.25
+48.5%
13.4%US$30.00US$20.00US$10.038

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/08 01:14
End of Day Share Price 2025/01/06 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Green Dot Corporation is covered by 36 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ramsey El-AssalBarclays
Lance JessurunBTIG
Joseph VafiCanaccord Genuity