Green Dot (GDOT)
Market Price (3/30/2026): $10.83 | Market Cap: $601.0 MilSector: Financials | Industry: Consumer Finance
Green Dot (GDOT)
Market Price (3/30/2026): $10.83Market Cap: $601.0 MilSector: FinancialsIndustry: Consumer Finance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -226% | Weak multi-year price returns2Y Excs Rtn is -1.1%, 3Y Excs Rtn is -95% | Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -20% |
| Attractive yieldFCF Yield is 11% | Key risksGDOT key risks include [1] severe regulatory penalties and mandated compliance program overhauls due to past failures and [2] a substantial single point of failure from its heavy dependence on major partners. | |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -226% |
| Attractive yieldFCF Yield is 11% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Weak multi-year price returns2Y Excs Rtn is -1.1%, 3Y Excs Rtn is -95% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -20% |
| Key risksGDOT key risks include [1] severe regulatory penalties and mandated compliance program overhauls due to past failures and [2] a substantial single point of failure from its heavy dependence on major partners. |
Qualitative Assessment
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Green Dot (GDOT) stock has lost about 15% since 11/30/2025 because of the following key factors:
1. Uncertainty and Execution Risk from Proposed Strategic Transactions. Green Dot announced complex, two-part strategic transactions on November 24, 2025, involving a merger with CommerceOne Financial and the sale of its non-bank Payments Business for $690 million to an affiliate of Smith Ventures. Shareholders are slated to receive 0.2215 New CommerceOne shares plus $8.11 in cash per Green Dot share. This strategic overhaul requires multiple regulatory and stockholder approvals, and delays or unforeseen conditions could alter the timing or financial outcomes. Northland Securities downgraded Green Dot to Market Perform from Outperform on November 25, 2025, reducing its price target from $18 to $14.25, citing the "somewhat complicated and coordinated" nature of these transactions.
2. Delayed Fourth Quarter 2025 Earnings Release and Absence of 2026 Financial Guidance. Green Dot postponed the release of its fourth quarter and full-year 2025 financial results, originally scheduled for March 12, 2026, due to ongoing audit finalization. This delay, announced on March 12, 2026, contributed to an approximate 7% drop in the stock price. Furthermore, the company stated it would not host an earnings conference call or provide 2026 financial guidance in conjunction with the earnings release, a decision attributed to the proposed transactions with CommerceOne and Smith Ventures. This lack of forward-looking financial clarity raised concerns among investors regarding the company's future financial health.
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1. Uncertainty and Execution Risk from Proposed Strategic Transactions. Green Dot announced complex, two-part strategic transactions on November 24, 2025, involving a merger with CommerceOne Financial and the sale of its non-bank Payments Business for $690 million to an affiliate of Smith Ventures. Shareholders are slated to receive 0.2215 New CommerceOne shares plus $8.11 in cash per Green Dot share. This strategic overhaul requires multiple regulatory and stockholder approvals, and delays or unforeseen conditions could alter the timing or financial outcomes. Northland Securities downgraded Green Dot to Market Perform from Outperform on November 25, 2025, reducing its price target from $18 to $14.25, citing the "somewhat complicated and coordinated" nature of these transactions.
2. Delayed Fourth Quarter 2025 Earnings Release and Absence of 2026 Financial Guidance. Green Dot postponed the release of its fourth quarter and full-year 2025 financial results, originally scheduled for March 12, 2026, due to ongoing audit finalization. This delay, announced on March 12, 2026, contributed to an approximate 7% drop in the stock price. Furthermore, the company stated it would not host an earnings conference call or provide 2026 financial guidance in conjunction with the earnings release, a decision attributed to the proposed transactions with CommerceOne and Smith Ventures. This lack of forward-looking financial clarity raised concerns among investors regarding the company's future financial health.
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Stock Movement Drivers
Fundamental Drivers
The -13.8% change in GDOT stock from 11/30/2025 to 3/29/2026 was primarily driven by a -16.5% change in the company's P/S Multiple.| (LTM values as of) | 11302025 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.57 | 10.83 | -13.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,013 | 2,080 | 3.4% |
| P/S Multiple | 0.3 | 0.3 | -16.5% |
| Shares Outstanding (Mil) | 55 | 55 | -0.2% |
| Cumulative Contribution | -13.8% |
Market Drivers
11/30/2025 to 3/29/2026| Return | Correlation | |
|---|---|---|
| GDOT | -13.8% | |
| Market (SPY) | -5.3% | 44.3% |
| Sector (XLF) | -10.0% | 45.4% |
Fundamental Drivers
The -22.2% change in GDOT stock from 8/31/2025 to 3/29/2026 was primarily driven by a -27.4% change in the company's P/S Multiple.| (LTM values as of) | 8312025 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 13.92 | 10.83 | -22.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,928 | 2,080 | 7.9% |
| P/S Multiple | 0.4 | 0.3 | -27.4% |
| Shares Outstanding (Mil) | 55 | 55 | -0.7% |
| Cumulative Contribution | -22.2% |
Market Drivers
8/31/2025 to 3/29/2026| Return | Correlation | |
|---|---|---|
| GDOT | -22.2% | |
| Market (SPY) | 0.6% | 33.2% |
| Sector (XLF) | -10.8% | 41.7% |
Fundamental Drivers
The 41.6% change in GDOT stock from 2/28/2025 to 3/29/2026 was primarily driven by a 27.3% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282025 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 7.65 | 10.83 | 41.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,635 | 2,080 | 27.3% |
| P/S Multiple | 0.3 | 0.3 | 14.9% |
| Shares Outstanding (Mil) | 54 | 55 | -3.2% |
| Cumulative Contribution | 41.6% |
Market Drivers
2/28/2025 to 3/29/2026| Return | Correlation | |
|---|---|---|
| GDOT | 41.6% | |
| Market (SPY) | 9.8% | 40.8% |
| Sector (XLF) | -7.1% | 41.1% |
Fundamental Drivers
The -42.8% change in GDOT stock from 2/28/2023 to 3/29/2026 was primarily driven by a -58.6% change in the company's P/S Multiple.| (LTM values as of) | 2282023 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.93 | 10.83 | -42.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,438 | 2,080 | 44.7% |
| P/S Multiple | 0.7 | 0.3 | -58.6% |
| Shares Outstanding (Mil) | 53 | 55 | -4.4% |
| Cumulative Contribution | -42.8% |
Market Drivers
2/28/2023 to 3/29/2026| Return | Correlation | |
|---|---|---|
| GDOT | -42.8% | |
| Market (SPY) | 69.4% | 35.2% |
| Sector (XLF) | 40.5% | 38.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| GDOT Return | -35% | -56% | -37% | 7% | 20% | -15% | -80% |
| Peers Return | -11% | -36% | 34% | 28% | -17% | -20% | -36% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -5% | 72% |
Monthly Win Rates [3] | |||||||
| GDOT Win Rate | 25% | 33% | 58% | 50% | 50% | 0% | |
| Peers Win Rate | 43% | 38% | 57% | 53% | 45% | 7% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| GDOT Max Drawdown | -39% | -58% | -51% | -19% | -40% | -18% | |
| Peers Max Drawdown | -23% | -44% | -12% | -16% | -43% | -23% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -5% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PYPL, FISV, GPN, EEFT, SOFI. See GDOT Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/27/2026 (YTD)
How Low Can It Go
| Event | GDOT | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -87.3% | -25.4% |
| % Gain to Breakeven | 684.8% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -54.2% | -33.9% |
| % Gain to Breakeven | 118.4% | 51.3% |
| Time to Breakeven | 61 days | 148 days |
| 2018 Correction | ||
| % Loss | -75.8% | -19.8% |
| % Gain to Breakeven | 313.2% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
Compare to PYPL, FISV, GPN, EEFT, SOFI
In The Past
Green Dot's stock fell -87.3% during the 2022 Inflation Shock from a high on 1/7/2021. A -87.3% loss requires a 684.8% gain to breakeven.
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About Green Dot (GDOT)
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. It also provides money processing services, including cash transfer services that help consumers to add funds directly to an account at the point-of-sale at any participating retailer; and simply paid disbursement services that enable wages and authorized funds disbursement to deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services that include tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a consumer-friendly loan that enables tax refund recipients. It markets its products under the Green Dot, GoBank, MoneyPak, TPG, and other brands. Green Dot Corporation markets and sells its products and services through retail stores; mobile applications; and various direct-to-consumer channels, such as online search engine optimization, online displays, direct mail campaigns, mobile advertising, and affiliate referral programs, as well as distributes through Banking as a Service' platform. Green Dot Corporation was incorporated in 1999 and is based in Texas, the United States.
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Here are 1-2 brief analogies to describe Green Dot (GDOT):
- Essentially, it's like a blend of **Chime** (for prepaid and alternative banking services) and **H&R Block** (for tax refund processing and advances), with a strong focus on cash transactions and retail distribution.
- Think of Green Dot as the company behind many of the prepaid debit cards and cash services you find at major retailers like **Walmart's MoneyCenter**, combined with offerings for tax refund advances.
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- Reloadable Prepaid Debit Cards: Network-branded cards that allow consumers to load funds and make purchases.
- Network-Branded Gift Cards: Prepaid cards intended for gifting purposes.
- Secured Credit Cards: Credit cards requiring a security deposit, aimed at helping consumers build or rebuild credit.
- Cash Transfer Services: Services enabling consumers to add funds directly to their accounts at retail points-of-sale.
- Simply Paid Disbursement Services: Services that facilitate the disbursement of wages and other authorized funds to various deposit accounts.
- Tax Refund Transfers: Processing technology to facilitate the receipt and management of taxpayers' refund proceeds.
- Small Business Lending: Short-term advances provided to independent tax preparation providers.
- Fast Cash Advance Loans: Consumer-friendly loans enabling tax refund recipients to access funds quickly.
- Banking as a Service (BaaS) Platform: A platform that provides banking infrastructure and services to other businesses and partners.
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Green Dot Corporation (GDOT) sells primarily to other companies, leveraging its banking infrastructure and financial technology through its Business to Business Services segment and its 'Banking as a Service' (BaaS) platform. While the company also offers direct-to-consumer financial products under brands like Green Dot and GoBank, its major customers are other corporations that integrate Green Dot's services into their own offerings or distribution channels.
Its major customer companies include:
- Walmart Inc. (WMT)
- Intuit Inc. (INTU)
- Uber Technologies, Inc. (UBER)
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- Visa Inc. (V)
- Mastercard Incorporated (MA)
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George Gresham, Chief Executive Officer
George Gresham was appointed CEO and President of Green Dot in October 2022, having previously served as Chief Finance and Operating Officer since October 2021. He is a veteran finance executive with deep experience in payments and fintech. Prior to his executive roles at Green Dot, Mr. Gresham was Chief Financial Officer at NetSpend Holdings from 2010 to 2013. He also served as Chief Financial Officer and Executive Vice President at Global Cash Access (GCA Holdings, Inc.) from 2008 to 2010. From 2002 through 2007, he was Chief Financial Officer and Chief Administrative Officer at EFD (eFunds Corporation), which was later sold to FIS. Mr. Gresham is the founder and CEO of Granite Reef Advisors, a professional advisory firm he operated since 2013, and is also the founder of Dama Technology, Inc. He previously served on the Boards of Directors of both Green Dot Corp. and Green Dot Bank from 2016 to 2019, and on the Board of EML Payments from April 2020 to August 2021.
Jess Unruh, Chief Financial Officer
Jess Unruh was appointed Chief Financial Officer of Green Dot in November 2022. He joined the company in 2009. His previous roles at Green Dot include operational CFO and chief accounting officer, where he oversaw financial operations, including corporate accounting, tax, financial reporting, corporate finance, and financial planning and analytics. Before joining Green Dot, Mr. Unruh served in the audit practice at Ernst & Young LLP from 2003 to April 2009.
Chris Ruppel, Chief Revenue Officer and President
Chris Ruppel is the Chief Revenue Officer and President at Green Dot, responsible for all revenue-generating businesses, marketing, and product. He previously served as GM of the company's direct-to-consumer business, focusing on the growth of GO2bank. Mr. Ruppel joined Green Dot in March 2017 following the acquisition of UniRush LLC, where he had been President of rapid!PayCard since January 2015. He founded rapid!PayCard, a prepaid payroll debit card provider, and served as its CEO from January 2004 until March 2011, when it was acquired by WEX Inc. After the acquisition, he held leadership positions at WEX, including General Manager of Prepaid Cards, The Americas, from March 2013 to January 2014.
Kim Olson, Chief Risk Officer
Kim Olson joined Green Dot in March 2025 as Chief Risk Officer. In this role, she oversees the development and implementation of risk and compliance frameworks, working to embed risk awareness across the firm and ensure that risks generated by direct customers, banking-as-a-service (BaaS) partners, products, and strategies are identified, assessed, and mitigated. She possesses deep expertise and broad experience in financial services and regulation.
Teresa Watkins, Chief Operations Officer
Teresa Watkins was appointed Chief Operations Officer of Green Dot, effective November 8, 2022. Prior to this promotion, she served as the company's Senior Vice President of Payment Processing starting in August 2021. From September 2016 to August 2021, she was the company's Vice President, Financial Processing Operations, and from December 2013 to September 2016, she served as Lead Technical Program Manager. Before joining Green Dot, Ms. Watkins held multiple roles at JPMorgan Chase & Company for over eight years, most recently as Senior Financial Operations Manager from October 2006 to December 2013.
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The key risks to Green Dot (GDOT) include:
- Regulatory Scrutiny and Compliance Failures: Green Dot faces significant risks related to regulatory compliance, as evidenced by a $44 million fine from the Federal Reserve. The fine was imposed for "numerous unfair and deceptive practices and a deficient consumer compliance risk management program," encompassing issues such as inadequate disclosure of tax refund processing fees, hindrance of access to prepaid debit card accounts, and deficiencies in anti-money laundering (AML) compliance. The company is mandated to implement corrective actions, including developing an effective AML program and engaging independent third parties to review and strengthen its compliance framework. This ongoing regulatory oversight and the associated financial penalties and operational mandates represent a substantial risk to the business.
- Declining Performance in Consumer Services and Legacy Prepaid Debit Card Business: Green Dot's traditional prepaid debit card business and its Consumer Services segment are experiencing a significant decline in revenue and active accounts. This downturn is driven by evolving consumer preferences towards digital payment solutions and increasing competition from digital alternatives, including neobanks and established players like PayPal and Venmo. While the company is actively pursuing growth in its Banking-as-a-Service (BaaS) segment, the diminishing performance of its legacy core business places considerable pressure on overall profitability and market standing.
- Financial Health and Profitability Challenges: Green Dot exhibits challenges in its overall financial health, marked by declining gross margins and a negative net margin. The company has also faced liquidity concerns, indicated by low current and quick ratios, and its Altman Z-Score suggests potential financial distress. Furthermore, Green Dot postponed the release of its Q4 and fiscal year 2025 financial results due to ongoing audit finalization, which can heighten investor uncertainty. Margin pressures are also attributed to rising operational costs and the growth of lower-margin BaaS customer programs. Macroeconomic factors, such as high-interest-rate environments and potential economic downturns, further exacerbate these risks, particularly given Green Dot's customer base, which is vulnerable to such conditions.
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The rise of digital-first neobanks and challenger banks that offer similar or superior basic banking services, such as deposit accounts, mobile payments, and low-to-no fee structures, directly threatens Green Dot's core business model. These agile fintech companies are rapidly gaining market share by appealing to the unbanked, underbanked, and digitally-savvy consumers with modern user experiences and competitive pricing, directly competing with Green Dot's prepaid debit cards, GoBank accounts, and money movement services.
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The addressable markets for Green Dot's main products and services in the United States are as follows:- Prepaid Debit Cards: The U.S. prepaid card market size was valued at approximately USD 1.76 trillion in 2024 and is projected to reach around USD 10.62 trillion by 2034.
- Gift Cards: The U.S. gift card market size was valued at USD 342.95 billion in 2024 and is expected to reach USD 886.23 billion by 2032.
- Secured Credit Cards: The overall addressable market for secured cards in the U.S. could be nearly $1 trillion annually, based on spending volume projections.
- Money Movement Services (including Cash Transfer Services): The non-bank money transfer market in the U.S. has reached approximately $600 billion. Additionally, the U.S. remittance market reached USD 57.71 billion.
- Disbursement Services (including Pay Cards and Earned Wage Access): Green Dot's rapid! PayCard division estimates the addressable market for pay cards at approximately $700 million, and the earned wage access (EWA) opportunity at over $3 billion.
- Tax Processing Services (Tax Refund Transfers): The U.S. Tax Preparation Services Market, which includes the services Green Dot supports through its tax processing division, was valued at US$ 35.5 billion in 2025 and is expected to reach US$ 53.0 billion by 2032.
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Expected Drivers of Future Revenue Growth for Green Dot (GDOT)
Green Dot Corporation (GDOT) is expected to drive future revenue growth over the next 2-3 years through several key strategic initiatives and market opportunities. These drivers primarily leverage the company's established financial technology infrastructure, banking license, and extensive network.1. Expansion of the Banking as a Service (BaaS) Platform (Arc by Green Dot) and Strategic Partnerships
Green Dot's Banking as a Service (BaaS) platform, known as Arc by Green Dot, is consistently highlighted as a primary driver of future revenue growth. The company is focused on expanding this B2B segment by signing new partners and growing existing relationships. Recent partnerships with entities like Samsung Wallet, Crypto.com, Stripe, and Workday, along with renewals and expansions with significant BaaS partners, are expected to fuel substantial revenue increases in this division. The B2B segment has demonstrated strong growth, with management projecting full-year revenue growth in the low-to-mid 30% range. This strategy enables major consumer and technology companies to embed financial products, broadening Green Dot's reach and revenue streams.2. Growth of the GO2bank Digital Bank
Within its Consumer Services segment, Green Dot is prioritizing the growth of its direct-to-consumer digital bank, GO2bank. The company aims to expand its active account base and direct deposit accounts by migrating customers from legacy prepaid card programs and through targeted marketing investments. Although the overall Consumer Services segment has faced headwinds, GO2bank has shown positive momentum with increasing direct deposit accounts and contributed to active account growth in late 2024. Management expects the direct channel, primarily driven by GO2bank, to be a focus for growth while sunsetting legacy brands.3. Strength in Money Movement Services, particularly the Tax Processing Business
The Money Movement Services segment, particularly the tax processing division, is anticipated to continue contributing positively to revenue growth. This segment has demonstrated consistent performance, especially during tax season, and is expected to see low-single-digit revenue growth. The tax business often benefits from a favorable shift in transaction mix to higher-revenue transactions and the expansion of taxpayer advance products.4. Expansion and Enhanced Utilization of the Green Dot Network
Green Dot's extensive Green Dot Network, comprising over 90,000 retail locations, remains a significant asset for revenue generation. This network provides crucial cash-in and cash-out capabilities and facilitates digital money transfers for partners and consumers, especially those reliant on cash. Expanding this network and increasing its utilization supports new business models and improves service accessibility, contributing to transaction growth across various segments. The network plays a vital role in supporting the underbanked and unbanked populations.AI Analysis | Feedback
Share Repurchases
- Green Dot's Board of Directors approved a share repurchase program on February 24, 2022, authorizing the purchase of up to $100 million of common stock, with the authorization being open-ended.
- The company repurchased $101.5 million of common stock in 2022.
- Green Dot repurchased $3.9 million in 2023 and $2.9 million in 2024.
Share Issuance
- As part of the acquisition agreement expected to close in Q2 2026, Green Dot shareholders are to receive 0.2215 shares of the new publicly traded bank holding company (formed by CommerceOne's acquisition of Green Dot Bank) for each Green Dot share.
- Green Dot's number of outstanding shares increased by 2.61% in 2025 to 55.4 million, by 2.6% in 2024 to 53.98 million, and by 1.39% in 2023 to 52.62 million.
Inbound Investments
- Green Dot entered into agreements in November 2025 to be acquired by Smith Ventures and CommerceOne Financial Corporation in a deal valued between $825 million and $1.1 billion, expected to close in Q2 2026.
- As part of the acquisition, Smith Ventures will acquire Green Dot's non-bank fintech operations for $690 million in cash, of which $155 million will be invested back into Green Dot Bank as additional capital.
- Green Dot Corporation secured $109 million in funding in September 2024, aimed at enhancing its money management and payment solutions, and expanding its GO2bank platform and banking platform services business.
Capital Expenditures
- Green Dot's capital expenditures were $74.3 million in 2024, $75.9 million in 2023, $84.3 million in 2022, and $57.4 million in 2021.
- The company invested $19.8 million in capital expenditures in Q3 2025.
- These capital expenditures are focused on funding long-term assets and infrastructure.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Green Dot Earnings Notes | 12/16/2025 | |
| Green Dot (GDOT) EBITDA Comparison | 08/08/2025 | |
| Green Dot (GDOT) Debt Comparison | 08/08/2025 | |
| Green Dot (GDOT) Operating Income Comparison | 08/08/2025 | |
| Green Dot (GDOT) Operating Cash Flow Comparison | 08/08/2025 | |
| Green Dot (GDOT) Revenue Comparison | 08/08/2025 | |
| Green Dot (GDOT) Tax Expense Comparison | 08/08/2025 | |
| Green Dot (GDOT) Net Income Comparison | 08/08/2025 | |
| GDOT Dip Buy Analysis | 07/10/2025 | |
| Day 0 of Loss Streak for Green Dot Stock with 0% Return (vs. -10% YTD) [1/10/2025] | 01/10/2025 | |
| ARTICLES | ||
| Market Movers | Winners: GDOT, ULCC, HBI | Losers: PUBM, KODK, FLNC | 08/13/2025 |
Trade Ideas
Select ideas related to GDOT.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 02282026 | NDAQ | Nasdaq | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 02272026 | JEF | Jefferies Financial | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 02272026 | ALAB | Astera Labs | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | PAYO | Payoneer Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | FOUR | Shift4 Payments | Dip Buy | DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow YieldBuying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 10312020 | GDOT | Green Dot | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | -14.2% | -20.6% | -25.7% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 48.75 |
| Mkt Cap | 17.1 |
| Rev LTM | 6,277 |
| Op Inc LTM | 1,563 |
| FCF LTM | 1,237 |
| FCF 3Y Avg | 1,319 |
| CFO LTM | 1,608 |
| CFO 3Y Avg | 1,700 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.4% |
| Rev Chg 3Y Avg | 7.3% |
| Rev Chg Q | 4.8% |
| QoQ Delta Rev Chg LTM | 1.2% |
| Op Mgn LTM | 18.8% |
| Op Mgn 3Y Avg | 18.0% |
| QoQ Delta Op Mgn LTM | -1.8% |
| CFO/Rev LTM | 16.3% |
| CFO/Rev 3Y Avg | 18.0% |
| FCF/Rev LTM | 13.5% |
| FCF/Rev 3Y Avg | 15.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 17.1 |
| P/S | 1.3 |
| P/EBIT | 6.0 |
| P/E | 8.5 |
| P/CFO | 4.8 |
| Total Yield | 11.1% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 7.6% |
| D/E | 0.5 |
| Net D/E | 0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -9.9% |
| 3M Rtn | -18.9% |
| 6M Rtn | -31.1% |
| 12M Rtn | -32.2% |
| 3Y Rtn | -37.2% |
| 1M Excs Rtn | -2.8% |
| 3M Excs Rtn | -11.5% |
| 6M Excs Rtn | -26.6% |
| 12M Excs Rtn | -46.8% |
| 3Y Excs Rtn | -98.5% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Business to Business (B2B) Services | 1,082 | 773 | 594 | 459 | 305 |
| Consumer Services | 402 | 499 | 587 | 695 | 620 |
| Money Movement Services | 218 | 210 | 222 | 240 | 288 |
| Embedded finance and processing expenses | 19 | ||||
| Corporate and Other | 6 | 3 | 20 | -5 | -13 |
| Other income | -3 | -3 | -3 | ||
| Banking-as-a-Service (BaaS) commissions and processing expenses | 20 | 29 | 45 | ||
| Net revenue adjustment | 53 | ||||
| Total | 1,724 | 1,501 | 1,450 | 1,433 | 1,254 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Consumer Services | 162 | 177 | 222 | 224 | 212 |
| Money Movement Services | 123 | 113 | 118 | 116 | 124 |
| Business to Business (B2B) Services | 92 | 77 | 86 | 73 | 66 |
| Restructuring and other charges | 0 | ||||
| Transaction and related acquisition costs | 0 | ||||
| Other | -9 | -7 | -8 | -13 | -12 |
| Impairment charges | -10 | 0 | -4 | -22 | |
| Amortization of acquired intangible assets | -21 | -24 | -24 | -28 | -28 |
| Stock based compensation and related employer taxes | -30 | -34 | -35 | -52 | -56 |
| Legal settlement expenses | -34 | -24 | -16 | -1 | |
| Depreciation and amortization of property, equipment and internal-use software | -63 | -59 | -57 | -57 | -58 |
| Corporate and Other | -211 | -197 | -188 | -196 | -196 |
| Total | -2 | 23 | 94 | 66 | 30 |
Price Behavior
Price Behavior
| Market Price | $10.83 | |
| Market Cap ($ Bil) | 0.6 | |
| First Trading Date | 07/22/2010 | |
| Distance from 52W High | -29.0% | |
| 50 Days | 200 Days | |
| DMA Price | $11.71 | $12.09 |
| DMA Trend | up | down |
| Distance from DMA | -7.5% | -10.4% |
| 3M | 1YR | |
| Volatility | 27.0% | 60.9% |
| Downside Capture | 1.08 | 0.85 |
| Upside Capture | 123.05 | 127.77 |
| Correlation (SPY) | 46.3% | 40.8% |
GDOT Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.22 | 0.85 | 0.96 | 0.93 | 1.33 | 1.31 |
| Up Beta | 0.24 | 0.78 | 0.47 | 1.19 | 1.44 | 1.45 |
| Down Beta | 1.08 | 0.09 | 0.21 | 0.70 | 1.37 | 1.43 |
| Up Capture | 130% | 69% | 116% | 53% | 145% | 70% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 9 | 16 | 27 | 58 | 126 | 379 |
| Down Capture | 177% | 171% | 164% | 124% | 105% | 107% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 10 | 23 | 32 | 64 | 119 | 359 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GDOT | |
|---|---|---|---|---|
| GDOT | 30.8% | 60.7% | 0.65 | - |
| Sector ETF (XLF) | -4.0% | 19.2% | -0.33 | 42.1% |
| Equity (SPY) | 14.5% | 18.9% | 0.59 | 40.7% |
| Gold (GLD) | 50.2% | 27.7% | 1.46 | 3.9% |
| Commodities (DBC) | 17.8% | 17.6% | 0.85 | 11.6% |
| Real Estate (VNQ) | 0.4% | 16.4% | -0.15 | 33.0% |
| Bitcoin (BTCUSD) | -23.7% | 44.2% | -0.49 | 21.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GDOT | |
|---|---|---|---|---|
| GDOT | -25.9% | 51.2% | -0.40 | - |
| Sector ETF (XLF) | 9.1% | 18.7% | 0.37 | 40.6% |
| Equity (SPY) | 11.8% | 17.0% | 0.54 | 41.0% |
| Gold (GLD) | 20.7% | 17.7% | 0.96 | 4.1% |
| Commodities (DBC) | 11.6% | 18.9% | 0.50 | 7.9% |
| Real Estate (VNQ) | 3.0% | 18.8% | 0.07 | 34.4% |
| Bitcoin (BTCUSD) | 4.0% | 56.6% | 0.29 | 19.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GDOT | |
|---|---|---|---|---|
| GDOT | -7.2% | 52.3% | 0.08 | - |
| Sector ETF (XLF) | 12.0% | 22.1% | 0.50 | 43.4% |
| Equity (SPY) | 14.0% | 17.9% | 0.67 | 45.2% |
| Gold (GLD) | 13.3% | 15.8% | 0.70 | 3.7% |
| Commodities (DBC) | 8.2% | 17.6% | 0.39 | 15.3% |
| Real Estate (VNQ) | 4.7% | 20.7% | 0.19 | 37.5% |
| Bitcoin (BTCUSD) | 66.4% | 66.8% | 1.06 | 15.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 3/16/2026 | 6.3% | 5.8% | |
| 11/10/2025 | -4.0% | -10.3% | 14.9% |
| 8/11/2025 | 35.2% | 42.0% | 37.7% |
| 5/8/2025 | 25.7% | 11.5% | 18.0% |
| 2/27/2025 | -6.4% | -9.8% | 2.3% |
| 11/7/2024 | -16.8% | -16.9% | -15.1% |
| 8/8/2024 | 13.6% | 23.6% | 32.0% |
| 5/9/2024 | -4.1% | 0.4% | -0.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 8 | 10 | 12 |
| # Negative | 16 | 14 | 11 |
| Median Positive | 13.4% | 6.8% | 13.1% |
| Median Negative | -4.7% | -9.2% | -10.4% |
| Max Positive | 35.2% | 42.0% | 37.7% |
| Max Negative | -34.4% | -32.0% | -29.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 03/16/2026 | 10-K |
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/11/2025 | 10-Q |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 03/04/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/01/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
| 03/31/2022 | 05/09/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Fanlo, Saturnino Sixto | Direct | Sell | 11282025 | 12.61 | 13,451 | 169,604 | 1,169,321 | Form | |
| 2 | Brewster, J Chris | Direct | Sell | 11282025 | 12.37 | 7,969 | 98,577 | 1,647,870 | Form | |
| 3 | Ruppel, Christian Devin | interim President | Direct | Sell | 8132025 | 12.39 | 27,931 | 346,137 | 2,808,851 | Form |
| 4 | Ruppel, Christian Devin | interim President | Direct | Sell | 5122025 | 11.00 | 10,189 | 112,079 | 2,784,529 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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