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Green Dot
(NYSE:GDOT)
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Rating:59Neutral
Price Target:
$14.00
▲(12.90% Upside)
Action:Reiterated
Date:06/24/26
The score is primarily held back by weak financial performance driven by ongoing net losses despite improved revenue trends, while low leverage and positive (but declining) free cash flow provide some stability. Technical indicators are moderately supportive with price above key moving averages and positive MACD/RSI. Valuation remains constrained by negative earnings and no dividend support, partly offset by a positive strategic separation event pending regulatory completion.
Positive Factors
Conservative balance sheet
Green Dot’s very low debt-to-equity (~0.07) and sizable equity base provide durable financial flexibility. This reduces refinancing and default risk, supports capital allocation through a business transition, and preserves the firm’s ability to fund operations or investments without heavy interest burdens.
Negative Factors
Recurring net losses
Sustained negative net margins and a multi-year move from profitability to recurring losses undermine return on equity and shareholder returns. Persistent losses constrain reinvestment, limit ability to scale programs profitably, and make durable earnings recovery a key execution challenge.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Green Dot’s very low debt-to-equity (~0.07) and sizable equity base provide durable financial flexibility. This reduces refinancing and default risk, supports capital allocation through a business transition, and preserves the firm’s ability to fund operations or investments without heavy interest burdens.
Read all positive factors
Green Dot Key Performance Indicators (KPIs)
Green Dot (GDOT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$757.25M
Dividend YieldN/A
Average Volume (3M)472.86K
Price to Earnings (P/E)―
Beta (1Y)0.76
Revenue Growth18.96%
EPS Growth-1025.15%
CountryUS
Employees1,150
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-1.29
Shares Outstanding56,680,264
10 Day Avg. Volume464,604
30 Day Avg. Volume472,861
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-0.47
Enterprise Value/Revenue-0.16
Enterprise Value/Gross Profit-0.61
Enterprise Value/Ebitda-2.75
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.66
Revenue Forecast (FY)$2.28B
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 makes money primarily through a combination of (1) fees and other revenues tied to consumer banking and card products and (2) platform and service revenues from its banking-as-a-service (BaaS) offerings.
1) Consumer and card-related rev...
Green Dot Earnings Call Summary
Earnings Call Date:Nov 10, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Jul 30, 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
44
Neutral
Balance Sheet
72
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.18B | 2.08B | 1.72B | 1.50B | 1.45B | 1.43B |
| Gross Profit | 582.16M | 510.15M | 580.08M | 620.54M | 723.91M | 779.08M |
| EBITDA | 129.56M | 140.73M | 77.53M | 102.61M | 174.73M | 151.12M |
| Net Income | -70.89M | -98.87M | -26.70M | 6.72M | 64.21M | 47.48M |
Balance Sheet | ||||||
| Total Assets | 6.65B | 5.99B | 5.43B | 4.82B | 4.79B | 4.73B |
| Cash, Cash Equivalents and Short-Term Investments | 1.65B | 1.42B | 1.62B | 716.12M | 813.95M | 1.32B |
| Total Debt | 565.52M | 65.47M | 59.58M | 67.06M | 43.41M | 15.13M |
| Total Liabilities | 5.71B | 5.09B | 4.56B | 3.96B | 4.01B | 3.65B |
| Stockholders Equity | 940.50M | 890.25M | 873.59M | 859.35M | 781.48M | 1.07B |
Cash Flow | ||||||
| Free Cash Flow | 47.17M | 66.02M | 7.10M | 21.58M | 193.36M | 109.60M |
| Operating Cash Flow | 124.90M | 138.56M | 81.38M | 97.52M | 277.69M | 167.03M |
| Investing Cash Flow | -953.67M | -450.53M | 81.40M | 33.16M | -820.19M | -1.37B |
| Financing Cash Flow | 702.30M | 141.28M | 743.15M | -264.02M | 36.71M | 1.03B |
Green Dot Technical Analysis
Positive
12.40
Price Trends
12.69
Positive
12.11
Positive
12.40
Positive
Market Momentum
0.19
Negative
62.21
Neutral
72.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GDOT, the sentiment is Positive. The current price of 12.4 is below the 20-day moving average (MA) of 12.92, below the 50-day MA of 12.69, and above the 200-day MA of 12.40, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 62.21 is Neutral, neither overbought nor oversold. The STOCH value of 72.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $6.98B | 9.24 | 23.62% | 6.07% | 7.80% | 42.28% | |
65 Neutral | $22.94B | 38.06 | 6.25% | ― | 32.00% | 10.31% | |
62 Neutral | $2.36B | 5.57 | 47.95% | 10.18% | -2.34% | -49.33% | |
61 Neutral | $14.46B | 11.39 | 9.19% | 2.58% | -0.72% | 198.95% | |
59 Neutral | $757.25M | -10.34 | -7.74% | ― | 18.96% | -1025.15% | |
56 Neutral | $3.22B | 68.67 | 6.59% | ― | 57.69% | ― |
* Financial Sector Average
GDOT
Green Dot
13.34
2.39
21.83%
WU
Western Union
7.63
-0.13
-1.73%
ALLY
Ally Financial
47.25
8.21
21.03%
OMF
OneMain Holdings
62.35
8.27
15.29%
UPST
Upstart Holdings
35.03
-33.11
-48.59%
SOFI
SoFi
18.19
0.55
3.12%
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...
Executive/Board ChangesM&A Transactions
Green Dot Grants CEO Bonus Tied to Pending Merger
Neutral
Apr 7, 2026
Green Dot Corporation, a financial services provider operating through subsidiaries such as CommerceOne Financial Corporation and regional Compass entities, focuses on payments and transaction-based banking offerings for consumers and businesses. ...
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.