Tearsheet

Green Dot (GDOT)


Market Price (9/16/2025): $13.665 | Market Cap: $753.3 Mil
Sector: Financials | Industry: Consumer Finance

Green Dot (GDOT)


Market Price (9/16/2025): $13.665
Market Cap: $753.3 Mil
Sector: Financials
Industry: Consumer Finance

Investment Highlights

0 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -298%
Weak multi-year price returns
2Y Excs Rtn is -46%, 3Y Excs Rtn is -98%
Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -7.7%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 22%
  
2 Attractive yield
FCF Yield is 7.5%
  
0 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -298%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 22%
2 Attractive yield
FCF Yield is 7.5%
3 Weak multi-year price returns
2Y Excs Rtn is -46%, 3Y Excs Rtn is -98%
4 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -7.7%

Market Valuation

 9/16/252024202320222021
Share Price CYE$13.66$10.64$9.90$15.82$36.24
Market Cap CYE ($ Mil)753.3574.4521.0820.81,971.3
Total Debt ($ Mil)73.459.667.143.415.1
Total Cash ($ Mil)2,312.51,616.5716.1813.91,322.3
Enterprise Value ($ Mil)-1,485.8634.0588.1864.21,986.4
Valuation Ratios     
P/S TTM0.40.30.30.61.4
P/EBIT TTM9.4-79.426.39.029.5
P/E TTM-31.4-21.377.013.141.3
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)7.26.97.17.17.0
P/E TTM (Sector)12.811.610.19.410.0
 9/16/2520242023
Share Price CYE$13.66$10.64$9.90
Market Cap CYE ($ Mil)753.3574.4521.0
Total Debt ($ Mil)73.459.667.1
Total Cash ($ Mil)2,312.51,616.5716.1
Enterprise Value ($ Mil)-1,485.8634.0588.1
Valuation Ratios   
P/S TTM0.40.30.3
P/EBIT TTM9.4-79.426.3
P/E TTM-31.4-21.377.0
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)7.26.97.1
P/E TTM (Sector)12.811.610.1

Business Description

Green Dot Corporation operates as a financial technology and bank holding company in the United States. It operates through Consumer Services, Business to Business Services, and Money Movement Services segments. The company offers deposit account programs, such network-branded reloadable prepaid debit cards, network-branded gift cards, and secured credit cards. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
GDOT Return139%-35%-56%-37%7%28%-42%
Peers Return286%110%-52%148%-4%22%1030%
S&P 500 Return16%27%-19%24%23%12%104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: UPST, RIOT, WINA, PSEC, WRLD. See GDOT Returns vs. Peers.
[3] 2025 data is for the year up to 9/15/2025 (YTD)

Recent Active Movers

Recent Active Movers

More From Trefis

Peer Comparisons for Green Dot

Financials

GDOTUPSTRIOTWINAPSECWRLDMedian
NameGreen DotUpstart Riot Pla.Winmark Prospect.World Ac. 
Mkt Price13.6566.9816.68498.252.75169.1141.83
Mkt Cap0.86.45.61.81.20.91.5
Rev LTM1,92884454283-407525533
Op Inc LTM80--37554--54
FCF LTM57-82-1,6584552326051
FCF 3Y Avg70-147-8614419426557
CFO LTM138-65-6014552326492
CFO 3Y Avg149-132-2104419427096

Growth & Margins

GDOTUPSTRIOTWINAPSECWRLDMedian
NameGreen DotUpstart Riot Pla.Winmark Prospect.World Ac. 
Rev Chg LTM22.2%60.8%93.5%1.0%-226.8%1.5%11.8%
Rev Chg 3Y Avg10.7%2.9%28.6%1.6%96.8%-2.9%6.8%
Rev Chg Q23.8%101.6%118.5%1.5%-506.8%2.6%13.2%
QoQ Delta Rev Chg LTM5.3%18.1%18.1%0.4%-122.6%0.6%2.9%
Op Mgn LTM4.1%--69.2%65.2%--4.1%
Op Mgn 3Y Avg2.0%--81.3%64.5%--2.0%
QoQ Delta Op Mgn LTM1.8%-8.0%-0.2%--1.8%
CFO/Rev LTM7.2%-7.7%-110.9%53.6%-50.2%7.2%
CFO/Rev 3Y Avg9.3%-23.3%-40.2%52.9%-51.0%9.3%
FCF/Rev LTM2.9%-9.7%-306.1%53.5%-49.6%2.9%
FCF/Rev 3Y Avg4.4%-25.6%-214.1%52.5%-50.1%4.4%

Valuation

GDOTUPSTRIOTWINAPSECWRLDMedian
NameGreen DotUpstart Riot Pla.Winmark Prospect.World Ac. 
Mkt Cap0.86.45.61.81.20.91.5
P/S0.47.610.421.1-1.77.6
P/EBIT9.4-33.931.8--31.8
P/E-31.4-1,007.1-59.142.7-2.610.9-17.0
P/CFO5.4-98.1-9.339.52.43.32.9
Total Yield-3.2%-0.1%-1.7%4.6%-11.1%9.2%-0.9%
Dividend Yield0.0%0.0%0.0%2.2%26.7%0.0%0.0%
FCF Yield 3Y Avg9.1%-5.1%-27.8%3.5%13.2%34.7%6.3%
D/E0.10.20.20.01.70.60.2
Net D/E-3.00.20.10.01.60.60.1

Returns

GDOTUPSTRIOTWINAPSECWRLDMedian
NameGreen DotUpstart Riot Pla.Winmark Prospect.World Ac. 
1M Rtn2.8%4.5%47.2%15.9%-2.0%-1.0%3.6%
3M Rtn35.7%21.6%64.0%13.2%-11.3%10.3%17.4%
6M Rtn83.5%33.9%114.9%58.8%-30.9%36.9%47.9%
12M Rtn18.5%76.1%131.7%41.0%-42.8%44.6%42.8%
3Y Rtn-34.5%173.7%151.0%146.4%-45.5%47.7%97.1%
1M Excs Rtn-3.3%2.7%33.9%14.0%-4.2%-3.2%-0.3%
3M Excs Rtn26.4%18.1%60.9%5.5%-23.4%1.5%11.8%
6M Excs Rtn59.0%20.7%96.0%42.4%-47.9%21.9%32.1%
12M Excs Rtn4.0%71.5%116.2%28.6%-59.5%35.1%31.8%
3Y Excs Rtn-98.2%85.2%58.5%78.5%-111.7%-22.2%18.1%

Financials

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Business to Business (B2B) Services773594459305 
Consumer Services499587695620 
Money Movement Services210222240288 
Banking-as-a-Service (BaaS) commissions and processing expenses202945  
Corporate and Other320-5-13-31
Other income-3-30  
Net revenue adjustment   53 
Account Services    843
Processing and Settlement Services    297
Total1,5011,4501,4331,2541,109


Operating Income by Segment
$ Mil20242023202220212020
Consumer Services177222224212 
Money Movement Services113118116124 
Business to Business (B2B) Services77867366 
Impairment charges0-40-22 
Other expense-7-8-13-12 
Legal settlement expenses-24-16-1  
Amortization of acquired intangible assets-24-24-28-28 
Stock based compensation and related employer taxes-34-35-52-56 
Depreciation and amortization of property, equipment and internal-use software-59-57-57-58 
Corporate and Other-197-188-196-196-118
Account Services    147
Processing and Settlement Services    94
Total23946630123


Price Behavior

Short Interest

Short Interest: As Of Date8292025
Short Interest: Shares Quantity1,423,278
Short Interest: % Change Since 81520254.4%
Average Daily Volume556,576
Days-to-Cover Short Interest2.56
Basic Shares Quantity55,127,000
Short % of Basic Shares2.6%

Returns Analyses

Earnings Returns History

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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
8/11/202535.2%42.0%37.7%
5/8/202525.7%11.5%18.0%
2/27/2025-6.4%-9.8%2.3%
11/7/2024-16.8%-16.9%-15.1%
8/8/202413.6%23.6%32.0%
5/9/2024-4.1%0.4%-0.2%
2/27/2024-5.3%-8.6%4.4%
11/9/2023-34.4%-32.0%-23.2%
...
SUMMARY STATS   
# Positive8911
# Negative161513
Median Positive13.4%7.8%11.2%
Median Negative-5.4%-8.6%-15.1%
Max Positive35.2%42.0%37.7%
Max Negative-34.4%-32.0%-41.9%

SEC Filings

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Report DateFiling DateFiling
6302025811202510-Q 6/30/2025
3312025512202510-Q 3/31/2025
12312024304202510-K 12/31/2024
93020241108202410-Q 9/30/2024
6302024809202410-Q 6/30/2024
3312024510202410-Q 3/31/2024
12312023229202410-K 12/31/2023
93020231109202310-Q 9/30/2023
6302023808202310-Q 6/30/2023
3312023509202310-Q 3/31/2023
12312022301202310-K 12/31/2022
93020221109202210-Q 9/30/2022
6302022808202210-Q 6/30/2022
3312022509202210-Q 3/31/2022
12312021228202210-K 12/31/2021
93020211108202110-Q 9/30/2021

Insider Activity

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 OwnerTitleFiling DateActionPriceSharesTransacted
Value
Value of
Held Shares
Form
0Ruppel Christian Devininterim President8132025Sell12.0016,966203,5922,834,076Form
1Ruppel Christian Devininterim President5122025Sell11.0010,189112,0792,784,529Form
2Topline Capital Management, LLC 12312024Sell10.54247,2302,605,80464,175,288Form
3Topline Capital Partners, LP 12312024Sell10.54247,2302,605,80464,175,288Form
4Topline Capital Management, LLC 11122024Buy10.94135,1231,478,24668,843,101Form