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Green Dot
(NYSE:GDOT)
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Rating:58Neutral
Price Target:
$14.00
▲(4.40% Upside)
Action:Reiterated
Date:08/11/26
The score is primarily driven by a mixed financial profile: strong recent free cash flow and low leverage are offset by ongoing net losses and thin margins. Technical indicators are broadly neutral and do not add meaningful momentum support. Valuation is weaker because the company is loss-making (negative P/E) and lacks a dividend, while the approved bank–fintech separation provides a modest positive corporate-event boost pending regulatory/closing execution.
Positive Factors
Positive cash generation
Recent cash generation provides internal funding capacity and resilience while reported earnings remain weak. If sustained, operating and free cash flow can support technology, compliance and partner expansion without significant new borrowing.
Negative Factors
Persistent net losses
Recurring net losses limit retained capital and weaken the earnings base needed to reinvest in growth. Negative returns also suggest that revenue scale has not yet translated into durable shareholder profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Positive cash generation
Recent cash generation provides internal funding capacity and resilience while reported earnings remain weak. If sustained, operating and free cash flow can support technology, compliance and partner expansion without significant new borrowing.
Read all positive factors
Green Dot Key Performance Indicators (KPIs)
Any
Active Accounts
Counts customers who actively use Green Dot accounts during a period, reflecting user acquisition, retention, and the addressable base for cross-selling. Steady growth in active accounts suggests stronger long-term monetization potential, whereas stagnant or falling active accounts raise concerns about customer churn or weak product engagement.
Counts customers who actively use Green Dot accounts during a period, reflecting user acquisition, retention, and the addressable base for cross-selling. Steady growth in active accounts suggests stronger long-term monetization potential, whereas stagnant or falling active accounts raise concerns about customer churn or weak product engagement.
Data provided by:
The Fly
The FlyGreen Dot (GDOT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$761.32M
Dividend YieldN/A
Average Volume (3M)429.84K
Price to Earnings (P/E)―
Beta (1Y)0.69
Revenue Growth17.73%
EPS Growth-9.69%
CountryUS
Employees900
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.48
Shares Outstanding56,985,180
10 Day Avg. Volume302,432
30 Day Avg. Volume429,839
Financial Highlights & Ratios
PEG Ratio-0.03
Price to Book (P/B)0.79
Price to Sales (P/S)0.34
P/FCF Ratio10.69
Enterprise Value/Market Cap>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.63
Revenue Forecast (FY)$2.34B
Green Dot Business Overview & Revenue Model
Company Description
Green Dot Corporation operates as a financial technology and bank holding company, delivering a broad spectrum of financial products and services to individuals and businesses throughout the United States. Its business is organized into three prin...
How the Company Makes Money
Green Dot primarily makes money by earning fees and related revenues tied to (1) consumer banking/prepaid products and (2) providing embedded finance/banking infrastructure to partners.
Key revenue streams commonly associated with Green Dot’s mod...
Green Dot Earnings Call Summary
Earnings Call Date:Nov 10, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Nov 05, 2026
Earnings Call Sentiment Neutral
Green Dot reported strong revenue growth driven by new partnerships and the expanding embedded finance market. However, challenges remain in the consumer segment and the Rapid Employer Services channel. The company's strategic initiatives and cost management efforts are showing positive results, but some headwinds persist.Positive Updates
Strong Revenue Growth
Adjusted revenue increased by 21% year-over-year, driven by the B2B segment and interest income.
Negative Updates
Adjusted EBITDA Decline
Adjusted EBITDA declined by 17%, although this was better than internal projections.
Read all updates
Q3-2025 Updates
Positive
Negative
Strong Revenue Growth
Adjusted revenue increased by 21% year-over-year, driven by the B2B segment and interest income.
Read all positive updates
Company Guidance
During Green Dot Corporation's third quarter 2025 conference call, the company reported a 21% increase in adjusted revenue and a 17% decline in adjusted EBITDA, which, although expected, was better than internal projections. The B2B segment, particularly the Banking-as-a-Service (BaaS) channel powered by the ARC platform, drove revenue growth, with a significant BaaS partner contributing notably. The company is also focusing on embedded finance, signing partnerships with entities like crypto.com, Stripe, and Workday, and preparing for new product launches with partners such as Credit Sesame and Dole Fintech. For 2025, Green Dot maintains its non-GAAP revenue guidance of $2.0 billion to $2.1 billion, while adjusted EBITDA guidance has been increased to $165 million to $175 million. The company's strategic decisions, including exiting operations in Shanghai, aim to optimize platforms, reduce risks, and position for long-term growth.Green Dot Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
74
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.27B | 2.08B | 1.72B | 1.50B | 1.45B | 1.43B |
| Gross Profit | 555.07M | 510.15M | 580.08M | 620.54M | 723.91M | 779.08M |
| EBITDA | 125.22M | 140.73M | 77.53M | 102.61M | 174.73M | 151.12M |
| Net Income | -25.95M | -98.87M | -26.70M | 6.72M | 64.21M | 47.48M |
Balance Sheet | ||||||
| Total Assets | 6.19B | 5.99B | 5.43B | 4.82B | 4.79B | 4.73B |
| Cash, Cash Equivalents and Short-Term Investments | 1.14B | 1.42B | 1.62B | 716.12M | 813.95M | 1.32B |
| Total Debt | 65.51M | 65.47M | 59.58M | 67.06M | 43.41M | 15.13M |
| Total Liabilities | 5.25B | 5.09B | 4.56B | 3.96B | 4.01B | 3.65B |
| Stockholders Equity | 939.40M | 890.25M | 873.59M | 859.35M | 781.48M | 1.07B |
Cash Flow | ||||||
| Free Cash Flow | 116.34M | 66.02M | 7.10M | 21.58M | 193.36M | 109.60M |
| Operating Cash Flow | 155.54M | 138.56M | 81.38M | 97.52M | 277.69M | 167.03M |
| Investing Cash Flow | -1.58B | -450.53M | 81.40M | 33.16M | -820.19M | -1.37B |
| Financing Cash Flow | 255.31M | 141.28M | 743.15M | -264.02M | 36.71M | 1.03B |
Green Dot Technical Analysis
Neutral
13.41
Price Trends
13.32
Positive
12.90
Positive
12.46
Positive
Market Momentum
0.04
Positive
50.56
Neutral
40.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GDOT, the sentiment is Neutral. The current price of 13.41 is above the 20-day moving average (MA) of 13.38, above the 50-day MA of 13.32, and above the 200-day MA of 12.46, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 50.56 is Neutral, neither overbought nor oversold. The STOCH value of 40.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GDOT.
Green Dot Risk Analysis
Green Dot disclosed 42 risk factors in its most recent earnings report. Green Dot reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Green Dot Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $7.26B | 9.59 | 23.07% | 7.01% | 6.93% | 19.96% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $24.33B | 37.61 | 6.18% | ― | 34.08% | -0.29% | |
59 Neutral | $12.94B | 9.96 | 9.42% | 2.80% | 1.97% | 174.08% | |
58 Neutral | $761.32M | -28.04 | -2.82% | ― | 17.73% | -9.69% | |
56 Neutral | $2.26B | 5.77 | 42.65% | 11.44% | -1.65% | -53.21% | |
55 Neutral | $2.97B | 49.02 | 7.85% | ― | 46.30% | ― |
* Financial Sector Average
GDOT
Green Dot
13.37
-0.17
-1.26%
WU
Western Union
7.21
-0.41
-5.39%
ALLY
Ally Financial
42.74
2.84
7.13%
OMF
OneMain Holdings
63.89
6.55
11.42%
UPST
Upstart Holdings
30.46
-43.30
-58.70%
SOFI
SoFi
19.18
-6.86
-26.34%
Green Dot Corporate Events
Business Operations and StrategyM&A TransactionsShareholder Meetings
Green Dot Shareholders Approve Strategic Bank-Fintech Separation
Positive
Jun 24, 2026
On June 23, 2026, Green Dot and CommerceOne shareholders overwhelmingly approved a complex strategic transaction that will separate Green Dot’s bank and fintech operations while reshaping ownership structures. The deal will see CommerceOne a...
Business Operations and StrategyLegal ProceedingsM&A TransactionsRegulatory Filings and ComplianceShareholder Meetings
Green Dot Issues Supplemental Disclosures to Advance Merger
Neutral
Jun 16, 2026
Green Dot detailed progress on its previously announced merger with CommerceOne Financial Corporation, first agreed on November 23, 2025, which will combine the companies under New CommerceOne while separating Green Dot’s bank and non-bank f...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.