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Green Dot CorporationNYSE:GDOT Stock Report

Market Cap US$716.4m
Share Price
US$12.91
US$16.13
19.9% undervalued intrinsic discount
1Y43.1%
7D2.1%
Portfolio Value
​
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Green Dot Corporation

NYSE:GDOT Stock Report

Market Cap: US$716.4m

Green Dot (GDOT) Stock Overview

A financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. More details

GDOT fundamental analysis
Snowflake Score
Valuation2/6
Future Growth3/6
Past Performance0/6
Financial Health5/6
Dividends0/6

Rewards

Earnings are forecast to grow 124.52% per year

Risk Analysis

No risks detected for GDOT from our risk checks.

GDOT Community Fair Values

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Analyst Price Targets

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Green Dot Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Green Dot
Historical stock prices
Current Share PriceUS$12.91
52 Week HighUS$15.41
52 Week LowUS$8.95
Beta0.87
1 Month Change3.53%
3 Month Change8.58%
1 Year Change43.13%
3 Year Change-26.69%
5 Year Change-67.78%
Change since IPO-70.65%

Recent News & Updates

Seeking Alpha • Mar 18

Green Dot: I'm Finally Seeing The Bull Case Play Out (Rating Upgrade)

Summary Green Dot delivered robust FY 2025 GAAP revenue growth of 21% to $2.08 billion, driven by embedded finance and B2B services momentum. GDOT is splitting into two entities: fintech operations going private under Smith Ventures and its bank merging with CommerceOne for strategic focus. The B2B segment led revenue growth, fueled by a major BaaS partner and new product launches, while consumer services faced ongoing digital migration headwinds. Strong operating cash flow ($138.6 million) and increased deposits ($4.42 billion) reflect platform scale, even as short-term profit margins face pressure from growth investments. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Mar 18

Green Dot: I'm Finally Seeing The Bull Case Play Out (Rating Upgrade)

Summary Green Dot delivered robust FY 2025 GAAP revenue growth of 21% to $2.08 billion, driven by embedded finance and B2B services momentum. GDOT is splitting into two entities: fintech operations going private under Smith Ventures and its bank merging with CommerceOne for strategic focus. The B2B segment led revenue growth, fueled by a major BaaS partner and new product launches, while consumer services faced ongoing digital migration headwinds. Strong operating cash flow ($138.6 million) and increased deposits ($4.42 billion) reflect platform scale, even as short-term profit margins face pressure from growth investments. Read the full article on Seeking Alpha
Analysis Article • Mar 03

Green Dot Corporation (NYSE:GDOT) Just Reported, And Analysts Assigned A US$9.75 Price Target

Green Dot Corporation ( NYSE:GDOT ) shareholders are probably feeling a little disappointed, since its shares fell 8.3...
Seeking Alpha • Nov 15

Green Dot: A Turnaround Play That May Pay Out

Summary 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. With a conservative valuation of $33.57/share, GDOT presents a strong buy opportunity for patient investors with a high risk tolerance. Read the full article on Seeking Alpha
Seeking Alpha • Feb 07

Green Dot: Cheap With Some Caveats

Summary Today, we take a deeper look at fintech firm Green Dot Corporation, whose stock has dropped over 50% from its summer highs. The stock is cheap on a P/E basis, but the company currently faces several challenges and headwinds. An analysis around Green Dot follows in the paragraphs below. Read the full article on Seeking Alpha
Seeking Alpha • Nov 24

Green Dot: Current Troubles Are Hiding Future Potential

Summary Green Dot is a FinTech company focused on cash/debit services, targeting the unbanked and underbanked population. My overall investment thesis revolves around the potential of GO2bank as a digital bank for the underbanked population. GDOT is currently trading at roughly $8.4 which would give the stock a P/E of 4.9x to 5.2x. Read the full article on Seeking Alpha
Seeking Alpha • Aug 04

Green Dot's Q2 Leap: Navigating Through The Green

Summary Green Dot Corporation's Q2 financial results beat expectations with higher non-GAAP EPS and revenue. The company demonstrated resilience in its Money Movement division and saw growth in its direct deposit accounts. However, challenges in the consumer sphere and B2B sector raise concerns, suggesting a "hold" recommendation for investors is appropriate. Read the full article on Seeking Alpha
Seeking Alpha • Dec 19

Green Dot and Wealthfront Extend join hands to maximize savings and wealth building

Green Dot (NYSE:GDOT) and Wealthfront (WFRPX), an automated wealth management provider serving the next generation of investors, have extended their partnership that provides seamless checking features and money movement for Wealthfront’s award-winning Cash Account. The Wealthfront Cash Account requires just $1 to get started and comes with a 3.80% APY, zero account fees, unlimited free transfers, automated saving features including customizable cash categories, near-instant transfers into Wealthfront’s Investment Accounts, and up to $2 million in FDIC insurance through partner banks.
Seeking Alpha • Oct 17

George Gresham is the new CEO and President of Green Dot

Green Dot (NYSE:GDOT) appoints company's CFO, COO and Board member George Gresham as Chief Executive Officer and President, effective as of October 14, 2022.  Mr. Gresham succeeds Dan R. Henry, who was terminated as CEO and President of Green Dot and resigned as a member of Green Dot’s Board of Directors, effective the same date.  Mr. Gresham has served as company’s CFO and COO and as a Board member since October 2021. Mr. Gresham will continue to serve as a member of the Board  and will continue to serve as Chief Financial and Operating Officer on an interim basis until a successor is appointed.
Seeking Alpha • Aug 15

Green Dot stock slips after Barclays downgrade as clearer profit view is delayed

Green Dot (NYSE:GDOT) shares dropped 3.1% in Monday late morning trading after Barclays analyst Ramsey El Assal downgraded the fintech bank to Equal Weight from Overweight after the company's strategic shift is costing more than originally expected. "It has become clear that the investment and time required to move the company away from its legacy model and toward a more crystallized digital strategy is more substantial than we originally expected," El Assal wrote in a note to clients. He had expected that Green Dot (GDOT) would see acceleration of revenue and profitability in 2023, but now investors will have to wait longer "to gain a clearer view of GDOT's normalized growth and profitability profile." The company is pursuing a number of growth opportunities including a pivot into digital wallets with its Go2Bank strategy and increased penetration of the white-label BaaS (Backend as a Service) business. El Assal's Equal Weight rating agrees with the Quant rating of Hold and diverges from the average Wall Street rating of Buy. Take a look at management's commentary on Q2 and on 2022 guidance in its Aug. 5 earnings call.
Seeking Alpha • Jun 26

Green Dot: Undervalued Secular Growth Opportunity

Digital payments on rise and GDOT is well positioned to be one of the biggest beneficiaries. The company repurchased 914K shares worth $25 million of the $100 million authorized share repurchase fund. Starboard Value pushing for structural changes in GODT with a view to improve profit margins and drive free cash flow growth. I assign a buy rating for GDOT after considering all the growth factors and undervaluation on the basis of PE analysis.
Seeking Alpha • Feb 28

Steel City Capital Investments - Green Dot: Wal-Mart's Banking Partner

Green Dot is perhaps best known as the banking partner behind Wal-Mart’s prepaid MoneyCard debit card. One of the emerging trends in the “FinTech” space is integration of banking and payment services by consumer facing companies. GDOT is cheap and there is a catalyst.

Shareholder Returns

GDOTUS Consumer FinanceUS Market
7D2.1%-1.6%-1.0%
1Y43.1%1.7%23.3%

Return vs Industry: GDOT exceeded the US Consumer Finance industry which returned 1.7% over the past year.

Return vs Market: GDOT exceeded the US Market which returned 23.3% over the past year.

Price Volatility

Is GDOT's price volatile compared to industry and market?
GDOT volatility
GDOT Average Weekly Movement4.0%
Consumer Finance Industry Average Movement6.7%
Market Average Movement7.2%
10% most volatile stocks in US Market16.2%
10% least volatile stocks in US Market3.2%

Stable Share Price: GDOT has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: GDOT's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1999900Bill Jacobswww.greendot.com

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. The company operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. It provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs.

Green Dot Corporation Fundamentals Summary

How do Green Dot's earnings and revenue compare to its market cap?
GDOT fundamental statistics
Market capUS$716.44m
Earnings (TTM)-US$70.89m
Revenue (TTM)US$2.17b
0.3x
P/S Ratio
-10.3x
P/E Ratio

Is GDOT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GDOT income statement (TTM)
RevenueUS$2.17b
Cost of RevenueUS$0
Gross ProfitUS$2.17b
Other ExpensesUS$2.24b
Earnings-US$70.89m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)-1.25
Gross Margin100.00%
Net Profit Margin-3.26%
Debt/Equity Ratio59.9%

How did GDOT perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/20 21:59
End of Day Share Price 2026/05/20 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

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 Github.

Analyst Sources

Green Dot Corporation is covered by 25 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Thomas McCrohanBrean Capital Historical (Janney Montgomery)
Joseph VafiCanaccord Genuity
Andrew SchmidtCitigroup Inc