Green Dot (GDOT)
Market Price (9/16/2025): $13.665 | Market Cap: $753.3 MilSector: Financials | Industry: Consumer Finance
Green Dot (GDOT)
Market Price (9/16/2025): $13.665Market Cap: $753.3 MilSector: FinancialsIndustry: Consumer Finance
Investment Highlights
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 -298% | Weak multi-year price returns2Y Excs Rtn is -46%, 3Y Excs Rtn is -98% | 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 -7.7% |
Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 22% | ||
Attractive yieldFCF Yield is 7.5% |
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 -298% |
Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 22% |
Attractive yieldFCF Yield is 7.5% |
Weak multi-year price returns2Y Excs Rtn is -46%, 3Y Excs Rtn is -98% |
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 -7.7% |
Market Valuation
9/16/25 | 2024 | 2023 | 2022 | 2021 | |
---|---|---|---|---|---|
Share Price CYE | $13.66 | $10.64 | $9.90 | $15.82 | $36.24 |
Market Cap CYE ($ Mil) | 753.3 | 574.4 | 521.0 | 820.8 | 1,971.3 |
Total Debt ($ Mil) | 73.4 | 59.6 | 67.1 | 43.4 | 15.1 |
Total Cash ($ Mil) | 2,312.5 | 1,616.5 | 716.1 | 813.9 | 1,322.3 |
Enterprise Value ($ Mil) | -1,485.8 | 634.0 | 588.1 | 864.2 | 1,986.4 |
Valuation Ratios | |||||
P/S TTM | 0.4 | 0.3 | 0.3 | 0.6 | 1.4 |
P/EBIT TTM | 9.4 | -79.4 | 26.3 | 9.0 | 29.5 |
P/E TTM | -31.4 | -21.3 | 77.0 | 13.1 | 41.3 |
Sector Ratios | |||||
P/S TTM (Sector) | 3.2 | 3.1 | 2.8 | 2.8 | 3.4 |
P/EBIT TTM (Sector) | 7.2 | 6.9 | 7.1 | 7.1 | 7.0 |
P/E TTM (Sector) | 12.8 | 11.6 | 10.1 | 9.4 | 10.0 |
9/16/25 | 2024 | 2023 | |
---|---|---|---|
Share Price CYE | $13.66 | $10.64 | $9.90 |
Market Cap CYE ($ Mil) | 753.3 | 574.4 | 521.0 |
Total Debt ($ Mil) | 73.4 | 59.6 | 67.1 |
Total Cash ($ Mil) | 2,312.5 | 1,616.5 | 716.1 |
Enterprise Value ($ Mil) | -1,485.8 | 634.0 | 588.1 |
Valuation Ratios | |||
P/S TTM | 0.4 | 0.3 | 0.3 |
P/EBIT TTM | 9.4 | -79.4 | 26.3 |
P/E TTM | -31.4 | -21.3 | 77.0 |
Sector Ratios | |||
P/S TTM (Sector) | 3.2 | 3.1 | 2.8 |
P/EBIT TTM (Sector) | 7.2 | 6.9 | 7.1 |
P/E TTM (Sector) | 12.8 | 11.6 | 10.1 |
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.
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Price Returns Compared
Expand for Detailed View2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
---|---|---|---|---|---|---|---|
Returns | |||||||
GDOT Return | 139% | -35% | -56% | -37% | 7% | 28% | -42% |
Peers Return | 286% | 110% | -52% | 148% | -4% | 22% | 1030% |
S&P 500 Return | 16% | 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)
Latest Trefis Analyses
Title | Topic | Date | |
---|---|---|---|
DASHBOARDS | |||
Green Dot (GDOT) EBITDA Comparison | Financials | ||
Green Dot (GDOT) Debt Comparison | Financials | ||
Green Dot (GDOT) Operating Income Comparison | Financials | ||
Green Dot (GDOT) Operating Cash Flow Comparison | Financials | ||
Green Dot (GDOT) Revenue Comparison | Financials | ||
Green Dot (GDOT) Tax Expense Comparison | Financials | ||
Green Dot (GDOT) Net Income Comparison | Financials | ||
GDOT Dip Buy Analysis | |||
Day 0 of Loss Streak for Green Dot Stock with 0% Return (vs. -10% YTD) [1/10/2025] | Notification | ||
Green Dot vs. S&P500 Correlation | Correlation | ||
ARTICLES | |||
Market Movers | Winners: GDOT, ULCC, HBI | Losers: PUBM, KODK, FLNC | August 13th, 2025 |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for Green Dot
Financials
Median | |
---|---|
Name | |
Mkt Price | 41.83 |
Mkt Cap | 1.5 |
Rev LTM | 533 |
Op Inc LTM | 54 |
FCF LTM | 51 |
FCF 3Y Avg | 57 |
CFO LTM | 92 |
CFO 3Y Avg | 96 |
Growth & Margins
Median | |
---|---|
Name | |
Rev Chg LTM | 11.8% |
Rev Chg 3Y Avg | 6.8% |
Rev Chg Q | 13.2% |
QoQ Delta Rev Chg LTM | 2.9% |
Op Mgn LTM | 4.1% |
Op Mgn 3Y Avg | 2.0% |
QoQ Delta Op Mgn LTM | 1.8% |
CFO/Rev LTM | 7.2% |
CFO/Rev 3Y Avg | 9.3% |
FCF/Rev LTM | 2.9% |
FCF/Rev 3Y Avg | 4.4% |
Valuation
Median | |
---|---|
Name | |
Mkt Cap | 1.5 |
P/S | 7.6 |
P/EBIT | 31.8 |
P/E | -17.0 |
P/CFO | 2.9 |
Total Yield | -0.9% |
Dividend Yield | 0.0% |
FCF Yield 3Y Avg | 6.3% |
D/E | 0.2 |
Net D/E | 0.1 |
Returns
Median | |
---|---|
Name | |
1M Rtn | 3.6% |
3M Rtn | 17.4% |
6M Rtn | 47.9% |
12M Rtn | 42.8% |
3Y Rtn | 97.1% |
1M Excs Rtn | -0.3% |
3M Excs Rtn | 11.8% |
6M Excs Rtn | 32.1% |
12M Excs Rtn | 31.8% |
3Y Excs Rtn | 18.1% |
Segment Financials
Revenue by Segment
$ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
---|---|---|---|---|---|
Business to Business (B2B) Services | 773 | 594 | 459 | 305 | |
Consumer Services | 499 | 587 | 695 | 620 | |
Money Movement Services | 210 | 222 | 240 | 288 | |
Banking-as-a-Service (BaaS) commissions and processing expenses | 20 | 29 | 45 | ||
Corporate and Other | 3 | 20 | -5 | -13 | -31 |
Other income | -3 | -3 | 0 | ||
Net revenue adjustment | 53 | ||||
Account Services | 843 | ||||
Processing and Settlement Services | 297 | ||||
Total | 1,501 | 1,450 | 1,433 | 1,254 | 1,109 |
$ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
---|---|---|---|---|---|
Consumer Services | 177 | 222 | 224 | 212 | |
Money Movement Services | 113 | 118 | 116 | 124 | |
Business to Business (B2B) Services | 77 | 86 | 73 | 66 | |
Impairment charges | 0 | -4 | 0 | -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 | ||||
Total | 23 | 94 | 66 | 30 | 123 |
Returns Analyses
Earnings Returns History
Expand for MoreForward Returns | |||
---|---|---|---|
Earnings Date | 1D Returns | 5D Returns | 21D Returns |
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% |
2/27/2024 | -5.3% | -8.6% | 4.4% |
11/9/2023 | -34.4% | -32.0% | -23.2% |
... | |||
SUMMARY STATS | |||
# Positive | 8 | 9 | 11 |
# Negative | 16 | 15 | 13 |
Median Positive | 13.4% | 7.8% | 11.2% |
Median Negative | -5.4% | -8.6% | -15.1% |
Max Positive | 35.2% | 42.0% | 37.7% |
Max Negative | -34.4% | -32.0% | -41.9% |
SEC Filings
Expand for MoreReport Date | Filing Date | Filing |
---|---|---|
6302025 | 8112025 | 10-Q 6/30/2025 |
3312025 | 5122025 | 10-Q 3/31/2025 |
12312024 | 3042025 | 10-K 12/31/2024 |
9302024 | 11082024 | 10-Q 9/30/2024 |
6302024 | 8092024 | 10-Q 6/30/2024 |
3312024 | 5102024 | 10-Q 3/31/2024 |
12312023 | 2292024 | 10-K 12/31/2023 |
9302023 | 11092023 | 10-Q 9/30/2023 |
6302023 | 8082023 | 10-Q 6/30/2023 |
3312023 | 5092023 | 10-Q 3/31/2023 |
12312022 | 3012023 | 10-K 12/31/2022 |
9302022 | 11092022 | 10-Q 9/30/2022 |
6302022 | 8082022 | 10-Q 6/30/2022 |
3312022 | 5092022 | 10-Q 3/31/2022 |
12312021 | 2282022 | 10-K 12/31/2021 |
9302021 | 11082021 | 10-Q 9/30/2021 |
Insider Activity
Expand for MoreOwner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
---|---|---|---|---|---|---|---|---|---|
0 | Ruppel Christian Devin | interim President | 8132025 | Sell | 12.00 | 16,966 | 203,592 | 2,834,076 | Form |
1 | Ruppel Christian Devin | interim President | 5122025 | Sell | 11.00 | 10,189 | 112,079 | 2,784,529 | Form |
2 | Topline Capital Management, LLC | 12312024 | Sell | 10.54 | 247,230 | 2,605,804 | 64,175,288 | Form | |
3 | Topline Capital Partners, LP | 12312024 | Sell | 10.54 | 247,230 | 2,605,804 | 64,175,288 | Form | |
4 | Topline Capital Management, LLC | 11122024 | Buy | 10.94 | 135,123 | 1,478,246 | 68,843,101 | Form |
External Quote Links
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