Green Dot (GDOT)
Market Price (10/22/2025): $12.84 | Market Cap: $707.8 MilSector: Financials | Industry: Consumer Finance
Green Dot (GDOT)
Market Price (10/22/2025): $12.84Market Cap: $707.8 MilSector: FinancialsIndustry: Consumer Finance
Investment Highlights
Why It Matters
Which of these 2 stories sounds closer for this stock?
1. Generates cash flow
The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.
2. Riding a trend
Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow
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 -319% | Weak multi-year price returns2Y Excs Rtn is -50%, 3Y Excs Rtn is -123% | 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 -7.9% |
Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 22% | ||
Attractive yieldFCF Yield is 8.1% |
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 -319% |
Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 22% |
Attractive yieldFCF Yield is 8.1% |
Weak multi-year price returns2Y Excs Rtn is -50%, 3Y Excs Rtn is -123% |
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 -7.9% |
Market Valuation & Key Metrics
GDOT Stock
Return vs. Risk
Price Returns Compared
2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
---|---|---|---|---|---|---|---|
Returns | |||||||
GDOT Return | 139% | -35% | -56% | -37% | 7% | 20% | -47% |
Peers Return | 286% | 110% | -52% | 148% | -4% | 26% | 1065% |
S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 15% | 106% |
Monthly Win Rates [3] | |||||||
GDOT Win Rate | 83% | 25% | 33% | 58% | 50% | 44% | |
Peers Win Rate | 60% | 62% | 30% | 60% | 35% | 51% | |
S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 67% | |
Max Drawdowns [4] | |||||||
GDOT Max Drawdown | -27% | -39% | -58% | -51% | -19% | -40% | |
Peers Max Drawdown | -34% | -2% | -60% | -6% | -33% | -28% | |
S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: RIOT, UPST, WINA, PSEC, WRLD. 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] 2025 data is for the year up to 10/21/2025 (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 RIOT, UPST, WINA, PSEC, WRLD
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.
Preserve Wealth
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Asset Allocation
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Latest Trefis Analyses
Title | Topic | |
---|---|---|
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 |
Trade Ideas
Select past ideas related to GDOT. For more, see Trefis Trade Ideas.
Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
---|---|---|---|---|---|---|---|
09302025 | HLNE | Hamilton Lane | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -11.1% | -11.1% | -12.7% |
09302025 | CNS | Cohen & Steers | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 7.7% | 7.7% | -1.6% |
09262025 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.8% | 3.8% | -2.1% |
09192025 | FDS | FactSet Research Systems | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.4% | 0.4% | -4.9% |
09052025 | IBKR | Interactive Brokers | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | 11.3% | 11.3% | 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% |
Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
---|---|---|---|---|---|---|---|
09302025 | HLNE | Hamilton Lane | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -11.1% | -11.1% | -12.7% |
09302025 | CNS | Cohen & Steers | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 7.7% | 7.7% | -1.6% |
09262025 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.8% | 3.8% | -2.1% |
09192025 | FDS | FactSet Research Systems | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.4% | 0.4% | -4.9% |
09052025 | IBKR | Interactive Brokers | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | 11.3% | 11.3% | 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
Invest in Strategies
Wealth Management
Peer Comparisons for Green Dot
Financials
Median | |
---|---|
Name | |
Mkt Price | 36.52 |
Mkt Cap | 1.4 |
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 | 12.8% |
Rev Chg 3Y Avg | 6.8% |
Rev Chg Q | 14.5% |
QoQ Delta Rev Chg LTM | 3.3% |
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 | 1.4 |
P/S | 5.9 |
P/EBIT | 27.3 |
P/E | -16.0 |
P/CFO | 3.0 |
Total Yield | -0.7% |
Dividend Yield | 0.0% |
FCF Yield 3Y Avg | 6.0% |
D/E | 0.2 |
Net D/E | 0.1 |
Returns
Median | |
---|---|
Name | |
1M Rtn | -3.9% |
3M Rtn | 10.8% |
6M Rtn | 32.4% |
12M Rtn | 12.2% |
3Y Rtn | 83.2% |
1M Excs Rtn | -7.5% |
3M Excs Rtn | 2.4% |
6M Excs Rtn | 5.0% |
12M Excs Rtn | -4.7% |
3Y Excs Rtn | 0.4% |
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 |
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