Green Dot Corporation logo

Green Dot Corporation

GDOT

NYSEFinancial ServicesFinancial - Credit Services

Regular session

$13.425

−$0.015 · -0.11%

Aug 24, 2:49 PM ET

GDOT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

66

Undervalued

Momentum

45

Neutral

Sentiment

55

Mixed

Risk resilience

73

Moderate Risk

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Company profile

Company website

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 principal segments: Consumer Services, Business-to-Business Solutions, and Money Movement Services. Among its diverse offerings are deposit account programs, which include checking accounts for individual consumers and small enterprises, as well as network-branded reloadable prepaid debit cards, gift cards, and secured credit facilities. Moreover, Green Dot provides comprehensive money processing services. These encompass cash transfer services, allowing patrons to deposit, pick up cash, or pay bills with cash directly at the point-of-sale at any participating retail location. Furthermore, their "Simply Paid" disbursement services facilitate the distribution of wages and authorized funds into either its own deposit account programs or accounts managed by third-party banks or program managers. The company also extends into tax processing services. These include technology for tax refund transfers, streamlining the receipt of taxpayers' refund proceeds. It also provides small business lending to independent tax preparation providers seeking modest advances, along with "Fast Cash Advance" loans for individuals awaiting tax refunds. Founded in 1999, Green Dot Corporation has its principal office located in Austin, Texas.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
William I. Jacobs
Listed since
Jul 22, 2010
Employees
900

Market position

Day range

Current $13.425

52-week range

Current $13.425

Open
$13.49
Previous close
$13.44
Volume
165.6K
0.39× average
Average volume
429.61K
Average daily volume
Market cap
760.93M USD
Beta
0.82
Market reference 1
50-day average
$13.2872
+1.04% above average
200-day average
$12.424
+8.06% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-650.41M USD
P/E (TTM)
-28.16×
P/B (TTM)
0.8×
P/S (TTM)
0.34×
EV / EBITDA
-4.62×
Earnings yield
-14.01%
Free cash flow yield
9.35%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
24.46%
Operating margin
0.70%
Net margin
-1.14%
Return on equity
-11.11%
Return on assets
-1.65%
Return on invested capital
5.78%

Financial health

Debt / equity
0.07×
Current ratio
0.52×
Altman Z-score
0.07
Piotroski F-score
3 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends60%37%13%-11%Gross margin, FY2021: 54.36%Gross margin, FY2022: 49.94%Gross margin, FY2023: 41.33%Gross margin, FY2024: 33.65%Gross margin, FY2025: 24.52%Operating margin, FY2021: 4.64%Operating margin, FY2022: 6.51%Operating margin, FY2023: 1.51%Operating margin, FY2024: -0.10%Operating margin, FY2025: 2.65%Net margin, FY2021: 3.31%Net margin, FY2022: 4.43%Net margin, FY2023: 0.45%Net margin, FY2024: -1.55%Net margin, FY2025: -4.75%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 54.36%. Gross margin FY2022 49.94%. Gross margin FY2023 41.33%. Gross margin FY2024 33.65%. Gross margin FY2025 24.52%. Operating margin FY2021 4.64%. Operating margin FY2022 6.51%. Operating margin FY2023 1.51%. Operating margin FY2024 -0.10%. Operating margin FY2025 2.65%. Net margin FY2021 3.31%. Net margin FY2022 4.43%. Net margin FY2023 0.45%. Net margin FY2024 -1.55%. Net margin FY2025 -4.75%.

Income trends

Revenue

2.08B USD+20.69%

Operating income

55.21M USD+56.88M USD

Net income

−98.87M USD-270.26%
Income trends across reported periods2.3B USD1.43B USD554.94M USD−316.8M USDRevenue, FY2021: 1.43B USDRevenue, FY2022: 1.45B USDRevenue, FY2023: 1.5B USDRevenue, FY2024: 1.72B USDRevenue, FY2025: 2.08B USDOperating income, FY2021: 66.47M USDOperating income, FY2022: 94.38M USDOperating income, FY2023: 22.67M USDOperating income, FY2024: −1.67M USDOperating income, FY2025: 55.21M USDNet income, FY2021: 47.48M USDNet income, FY2022: 64.21M USDNet income, FY2023: 6.72M USDNet income, FY2024: −26.7M USDNet income, FY2025: −98.87M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.43B USD. Revenue FY2022 1.45B USD. Revenue FY2023 1.5B USD. Revenue FY2024 1.72B USD. Revenue FY2025 2.08B USD. Operating income FY2021 66.47M USD. Operating income FY2022 94.38M USD. Operating income FY2023 22.67M USD. Operating income FY2024 −1.67M USD. Operating income FY2025 55.21M USD. Net income FY2021 47.48M USD. Net income FY2022 64.21M USD. Net income FY2023 6.72M USD. Net income FY2024 −26.7M USD. Net income FY2025 −98.87M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2.08B USD1.72B USD1.5B USD1.45B USD1.43B USD
Cost of goods sold1.57B USD1.14B USD880.78M USD725.65M USD654.12M USD
Gross profit510.15M USD580.08M USD620.55M USD723.91M USD779.08M USD
Selling, general, and administrative559.89M USD587.25M USD600.9M USD629.79M USD712.75M USD
Operating expenses454.94M USD581.75M USD597.88M USD629.54M USD712.6M USD
Interest expense6.15M USD5.51M USD255K USD150K USD
Depreciation and amortization85.52M USD84.7M USD82.97M USD80.61M USD84.8M USD
Operating income55.21M USD−1.67M USD22.67M USD94.38M USD66.47M USD
Net income−98.87M USD−26.7M USD6.72M USD64.21M USD47.48M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 5 misses, 0 met estimates
Average EPS surprise
+26.17%
11 comparable reports
Latest EPS result
0.26
Estimate 0.37 · Miss by 29.73%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.220.740.27-0.21Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 0.4, estimate 0.38, surprise +5.26%, Beat. Q2 2025, reported May 8, 2025: actual 1.06, estimate 0.7, surprise +51.43%, Beat. Q3 2025, reported Aug 11, 2025: actual 0.4, estimate 0.17, surprise +135.29%, Beat. Q4 2025, reported Nov 10, 2025: actual 0.06, estimate -0.11, surprise +154.55%, Beat. Q1 2026, reported Mar 16, 2026: actual -0.08, estimate -0.1, surprise +20.00%, Beat. Q2 2026, reported May 11, 2026: actual 1.12, estimate 0.88, surprise +27.27%, Beat. Q3 2026, reported Aug 10, 2026: actual 0.26, estimate 0.37, surprise -29.73%, Miss. Q4 2026, reported Nov 9, 2026: actual —, estimate 0.1, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates678.11M584M489.89M395.77MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 455.02M USD, estimate 421.85M USD, surprise +7.86%, Beat. Q2 2025, reported May 8, 2025: actual 558.87M USD, estimate 503.2M USD, surprise +11.07%, Beat. Q3 2025, reported Aug 11, 2025: actual 504.18M USD, estimate 484.85M USD, surprise +3.99%, Beat. Q4 2025, reported Nov 10, 2025: actual 494.83M USD, estimate 508.09M USD, surprise -2.61%, Miss. Q1 2026, reported Mar 16, 2026: actual 519.72M USD, estimate 508.09M USD, surprise +2.29%, Beat. Q2 2026, reported May 11, 2026: actual 652.03M USD, estimate 597.39M USD, surprise +9.15%, Beat. Q3 2026, reported Aug 10, 2026: actual 591.29M USD, estimate 541.16M USD, surprise +9.26%, Beat. Q4 2026, reported Nov 9, 2026: actual —, estimate 555.9M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$18.00

34.08% upside
Past 12 months12-month forecastHigh $18.00Average $18.00Low $18.00

Rating distribution

39 ratings
Strong buy00%
Buy1333%
Hold2462%
Sell25%
Strong sell00%

Recent analyst actions

4 institutions

GDOT news

GDOT peers

ETFs holding GDOT

Funds reporting this stock among their holdings, ordered by reported position size.

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