A Business at a Glance
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GREEN DOT CORP
GDOT
$733M
Mkt Cap
$13.28
+1.37%
GREEN DOT CORP (GDOT) has a 5-year average return on invested capital (ROIC) of -0.3%. This is below average and may indicate limited pricing power.
GREEN DOT CORP (GDOT) has a market capitalization of $733M. It is classified as a small-cap stock.
GREEN DOT CORP (GDOT) does not currently pay a regular dividend.
GREEN DOT CORP (GDOT) operates in the Finance Services industry, within the Financials sector.
GREEN DOT CORP (GDOT) reported annual revenue of $2.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
GREEN DOT CORP (GDOT) has a net profit margin of -4.8%. The company is currently unprofitable.
GREEN DOT CORP (GDOT) generated $66 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Founded in 1999, Green Dot Corporation (“we,” “our,” or “us” refer to Green Dot Corporation and its consolidated subsidiaries) is a financial technology platform and registered bank holding company that builds banking and payment solutions to create value, retain and reward customers, and accelerate growth for businesses of all sizes. For more than two decades, we have delivered financial tools and services that address the most pressing financial needs of consumers and businesses, and that transform the way people and businesses manage and move money.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.1B | 2.1B | 1.7B | 1.5B | 1.4B | 1.4B |
| Net Income | -99M | -99M | -27M | 6.7M | 64M | 47M |
| EPS | $-1.79 | $-1.79 | $-0.50 | $0.13 | $1.19 | $0.85 |
| Free Cash Flow | 66M | 66M | 7.1M | 22M | 193M | 110M |
| ROIC | 0.2% | -10.8% | -3.0% | 0.8% | 6.9% | 4.5% |
| Gross Margin | 8.4% | 8.4% | 85.4% | 84.1% | 83.2% | 81.5% |
| Debt/Equity | 0.02 | 0.02 | 0.06 | 0.00 | 0.04 | 0.00 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 14M | 14M | -23M | 23M | 94M | 66M |
| Operating Margin | 0.7% | 0.7% | -1.3% | 1.5% | 6.5% | 4.6% |
| ROE | -11.1% | -11.2% | -3.1% | 0.8% | 6.9% | 4.5% |
| Shares Outstanding | 55M | 55M | 53M | 52M | 54M | 55M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 602M | 695M | 719M | 901M | 1.1B | 1.1B | 1.3B | 1.4B | 1.4B | 1.5B | 1.7B | 2.1B | 2.1B |
| Gross Margin | 79.5% | 75.8% | 77.8% | 78.1% | 79.2% | 82.1% | 81.4% | 81.5% | 83.2% | 84.1% | 85.4% | 8.4% | 8.4% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 235M | 135M | 139M | 156M | 206M | 200M | 282M | 331M | 332M | 356M | 370M | 352M | 352M |
| EBIT | 59M | 59M | 63M | 109M | 130M | 123M | 30M | 66M | 94M | 23M | -23M | 14M | 14M |
| Op. Margin | 9.8% | 8.5% | 8.8% | 12.1% | 12.2% | 11.1% | 2.4% | 4.6% | 6.5% | 1.5% | -1.3% | 0.7% | 0.7% |
| Net Income | 38M | 37M | 41M | 86M | 119M | 100M | 23M | 47M | 64M | 6.7M | -27M | -99M | -99M |
| Net Margin | 6.3% | 5.4% | 5.7% | 9.5% | 11.1% | 9.0% | 1.8% | 3.3% | 4.4% | 0.4% | -1.5% | -4.8% | -4.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22M | 22M |
| Returns on Capital | |||||||||||||
| ROIC | 6.6% | 4.9% | 5.3% | 10.8% | 13.7% | 10.9% | 2.4% | 4.5% | 6.9% | 0.8% | -3.0% | -10.8% | 0.2% |
| ROE | 7.3% | 5.8% | 6.1% | 11.9% | 14.2% | 10.9% | 2.4% | 4.5% | 6.9% | 0.8% | -3.1% | -11.2% | -11.1% |
| ROA | 3.0% | 2.3% | 2.4% | 4.4% | 5.3% | 4.2% | 0.7% | 1.1% | 1.3% | 0.1% | -0.5% | -1.7% | -1.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 69M | 157M | 115M | 218M | 251M | 190M | 209M | 167M | 278M | 98M | 81M | 139M | 139M |
| Free Cash Flow | 30M | 109M | 71M | 174M | 190M | 112M | 150M | 110M | 193M | 22M | 7.1M | 66M | 66M |
| Owner Earnings | 16M | 91M | 47M | 144M | 162M | 111M | 97M | 59M | 186M | 5.1M | -12M | 55M | 55M |
| CapEx | 39M | 48M | 43M | 44M | 61M | 78M | 59M | 57M | 84M | 76M | 74M | 73M | 73M |
| Maint. CapEx | 32M | 39M | 39M | 33M | 39M | 49M | 58M | 57M | 57M | 59M | 63M | 65M | 65M |
| Growth CapEx | 6.9M | 9.3M | 3.8M | 11M | 22M | 29M | 1.0M | 408K | 27M | 17M | 11M | 7.8M | 7.8M |
| D&A | 32M | 39M | 39M | 33M | 39M | 49M | 58M | 57M | 57M | 59M | 63M | 65M | 65M |
| CapEx/OCF | 56.8% | 30.5% | 37.8% | 20.2% | 24.3% | 41.2% | 28.2% | 34.4% | 30.4% | 77.9% | 91.3% | N/A | 52.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 41M | 59M | 52M | 0 | 100M | 0 | 0 | 96M | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | 4.8% | 4.9% | 1.6% | N/A | 8.1% | N/A | N/A | 11.7% | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 20M | 27M | 28M | 41M | 50M | 30M | 54M | 51M | 35M | 34M | 30M | 19M | 19M |
| Debt Repayment | 7.7M | 30M | 145M | 335M | 0 | 0 | 135M | 0 | 65M | 256M | 299M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -507M | -599M | -599M | -934M | -1.2B | -1.3B | -2.5B | -3.4B | -3.1B | -682M | -1.5B | -1.4B | -1.4B |
| Cash & Equiv. | 724M | 772M | 733M | 919M | 1.1B | 1.1B | 1.5B | 1.3B | 814M | 682M | 1.6B | 1.4B | 1.4B |
| Long-Term Debt | 122M | 101M | 80M | 59M | 0 | 0 | 0 | 0 | 0 | 0 | 50M | 15M | 15M |
| Debt/Equity | 0.42 | 0.34 | 0.26 | 0.18 | 0.06 | 0.04 | 0.00 | 0.00 | 0.04 | 0.00 | 0.06 | 0.02 | 0.02 |
| Interest Coverage | 46.2 | 10.0 | 6.9 | 17.9 | 20.1 | 65.9 | 39.5 | 443.2 | 370.1 | 7.5 | -1.7 | 1.1 | 1.1 |
| Equity | 629M | 663M | 684M | 765M | 910M | 927M | 1.0B | 1.1B | 781M | 859M | 874M | 890M | 890M |
| Total Assets | 1.6B | 1.7B | 1.7B | 2.2B | 2.3B | 2.5B | 4.1B | 4.7B | 4.8B | 4.8B | 5.4B | 6.0B | 6.0B |
| Total Liabilities | 985M | 1.0B | 1.1B | 1.4B | 1.4B | 1.5B | 3.1B | 3.7B | 4.0B | 4.0B | 4.6B | 5.1B | 5.1B |
| Intangibles | 273M | 266M | 243M | 281M | 249M | 219M | 190M | 165M | 143M | 119M | 96M | 73M | 73M |
| Retained Earnings | 246M | 284M | 326M | 410M | 529M | 629M | 652M | 699M | 764M | 770M | 744M | 645M | 645M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.94 | 1.30 | 0.80 | 1.61 | 2.18 | 1.88 | 0.42 | 0.85 | 1.19 | 0.13 | -0.50 | -1.79 | -1.79 |
| Owner EPS | 0.41 | 3.19 | 0.92 | 2.70 | 2.98 | 2.09 | 1.80 | 1.06 | 3.45 | 0.10 | -0.22 | 1.00 | 1.00 |
| Book Value | 15.62 | 23.11 | 13.41 | 14.33 | 16.71 | 17.45 | 18.61 | 19.34 | 14.52 | 16.62 | 16.36 | 16.12 | 16.12 |
| Cash Flow/Share | 1.72 | 5.47 | 2.25 | 4.09 | 4.61 | 3.57 | 3.86 | 3.02 | 5.16 | 1.89 | 1.52 | 2.51 | -0.62 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 40.3M | 28.7M | 51.0M | 53.3M | 54.5M | 53.1M | 54.3M | 55.4M | 53.8M | 51.7M | 53.4M | 55.2M | 55.2M |
| Valuation | |||||||||||||
| P/E Ratio | 23.1 | 23.0 | 29.6 | 37.7 | 35.3 | 12.4 | 130.3 | 41.7 | 12.7 | 78.3 | N/A | N/A | -7.4 |
| P/FCF | 28.0 | 4.4 | 16.9 | 18.6 | 22.1 | 11.1 | 19.8 | 17.9 | 4.2 | 24.4 | 79.5 | N/A | 11.1 |
| EV/EBIT | N/A | N/A | 8.0 | 24.2 | N/A | N/A | N/A | N/A | N/A | -6.9 | N/A | N/A | -49.3 |
| Price/Book | 1.4 | 1.3 | 1.8 | 4.2 | 4.6 | 1.3 | 3.0 | 1.9 | 1.0 | 0.6 | 0.6 | N/A | 0.8 |
| Price/Sales | 1.4 | 1.3 | 1.6 | 2.5 | 3.8 | 2.2 | 1.9 | 1.8 | 1.0 | 0.5 | 0.3 | N/A | 0.4 |
| FCF Yield | 3.4% | 12.7% | 5.9% | 5.4% | 4.5% | 9.0% | 5.0% | 5.5% | 23.7% | 4.1% | 1.3% | N/A | 9.0% |
| Market Cap | 874M | 858M | 1.2B | 3.2B | 4.2B | 1.2B | 3.0B | 2.0B | 815M | 526M | 564M | 0 | 733M |
| Avg. Price | 20.30 | 17.32 | 22.08 | 41.63 | 73.46 | 46.67 | 42.53 | 46.60 | 24.94 | 15.53 | 9.91 | 0.00 | 13.28 |
| Year-End Price | 20.78 | 16.55 | 23.67 | 60.74 | 77.05 | 23.23 | 54.71 | 35.46 | 15.11 | 10.18 | 10.57 | 0.00 | 13.28 |
GREEN DOT CORP passes 3 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 7.6x vs a median of 18.6x. The company's 5-year average gross margin is 68.5%. At current prices, the estimated annualized return to fair value is -23.7%.
GREEN DOT CORP (GDOT) has a debt-to-equity ratio of 0.02. This indicates a conservatively financed balance sheet.
GREEN DOT CORP (GDOT) reported earnings per share (EPS) of $-1.79 in its most recent fiscal year.
GREEN DOT CORP (GDOT) has a return on equity (ROE) of -11.2%. A negative ROE may indicate losses or negative equity.
GREEN DOT CORP (GDOT) has a 5-year average gross margin of 68.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for GREEN DOT CORP (GDOT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
GREEN DOT CORP (GDOT) has a book value per share of $16.12, based on its most recent annual SEC filing.