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Green Dot Corporation GDOT R2K

Financial Services · Credit Services · United States
https://www.greendot.com

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. The company operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. It provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. The company offers money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, it offers tax processing services consisting of 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 loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Provo, Utah.

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$12.87
+39.29% 1Y

Market & Price

Market Cap
$729.48M
Current Price
$12.87
High / Low (52W)
$15.25 / $9.23
Beta
0.87

Valuation

Stock P/E
-
Industry PE
12.01
Forward P/E
7.71
PEG Ratio
1.23
Book Value
$16.60
Price to Book
0.78
P/S
0.34
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
3.10%
ROE
-7.51%
ROA
-1.15%
Profit Margin
-3.26%
Op Margin
10.66%
EPS (Latest Qtr)
$0.93
EPS (TTM)
$-1.33

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$565.52M
Total Assets
$5.99B
Current Assets
$2.64B
Working Capital
$-2.39B

Ownership

Promoter Holding
4.34%
Chg in Prom Hold
-
FII / Inst Holding
81.53%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$-351.38M
Total Revenue (TTM)
$2.17B
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$124.90M
Shares Outstanding
56.68M
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
12.80%
Profit 5Y
-84.66%
Revenue (YoY)
17.40%
Earnings (YoY)
97.90%

PROS

  • Compounding revenue at 12.8% over 5 years.

CONS

  • Earnings shrank at -84.7% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GDOT Green Dot Corporation R2K 12.87 - $729.48M - 3.10% -7.51% 12.80% -84.66%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --------------------355.33M314.10M289.05M388.15M365.88M335.89M391.71M352.08M332.30M405.70M355.92M344.63M439.28M392.46M-558.87M504.18M494.83M522.62M656.25M
Cost of Revenue -----------------------------------352.92M358.69M374.28M405.09M435.94M
Gross Profit -----------------------------------205.96M145.49M120.55M117.53M220.31M
Operating Expenses -----------------------------------146.60M133.72M135.03M144.54M152.76M
Operating Income 65.90M6.92M-1.71M-11.78M54.49M12.87M-517.00K-3.52M61.38M20.19M13.05M3.71M81.72M32.62M671.00K15.40M81.39M43.96M-2.19M-243.00K58.85M5.39M-2.65M33.98M31.80M8.83M51.59M23.94M10.77M50.99M4.79M-6.84M10.55M-23.67M-59.36M11.77M-14.48M-27.01M67.54M
EBITDA -----------------------------------79.74M33.05M6.98M-4.62M90.83M
Interest Expense ----------------------------------------
Pretax Income -----------------------------------33.66M-62.92M-35.72M-32.28M67.64M
Tax Provision -----------------------------------7.88M-15.90M-4.93M14.54M13.89M
Net Income 40.81M3.50M179.00K-6.07M32.88M8.03M2.04M-1.34M40.75M19.27M13.64M12.23M70.03M29.83M4.57M14.27M64.04M34.69M-531.00K1.69M46.84M3.29M-2.99M25.73M24.93M7.33M38.62M15.01M4.70M36.01M578.00K-6.26M4.75M-28.71M-25.77M-47.02M-30.79M-46.82M53.75M
Diluted EPS -----------------------------------0.47-0.85-0.56-0.840.93

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------1.08B1.24B-1.45B1.50B1.72B2.08B
Cost of Revenue ------------725.65M880.78M1.14B1.49B
Gross Profit ------------723.91M620.54M580.08M589.52M
Operating Expenses ------------629.79M600.90M587.25M559.89M
Operating Income 69.32M83.45M72.14M49.13M58.99M59.33M63.32M109.30M130.41M122.92M30.07M-94.12M19.64M-7.17M29.63M
EBITDA ------------174.73M102.61M77.53M115.15M
Interest Expense -----------150.00K255.00K---
Pretax Income ------------83.92M14.63M-22.54M-97.27M
Tax Provision ------------19.71M7.91M4.16M1.59M
Net Income 42.23M52.08M47.22M34.04M42.69M38.41M41.60M85.89M118.70M99.90M23.13M-64.21M6.72M-26.70M-98.87M
Diluted EPS ------------1.190.13-0.50-1.79

Compounded Sales Growth

5 Years:12.80%
1 Year:17.40%

Compounded Profit Growth

5 Years:-84.66%
1 Year:97.90%

Stock Price Performance

1 Year:+39.29%
6 Months:+8.79%
3 Months:+11.33%
1 Month:+5.06%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --425.86M725.73M875.47M1.61B1.69B1.74B2.20B2.29B2.46B4.12B-4.79B4.82B5.43B5.99B
Current Assets -------------1.47B1.64B2.43B2.64B
Cash & Equivalents --223.03M293.59M423.50M724.16M772.13M732.68M919.24M1.09B1.06B1.49B-813.95M682.26M1.59B1.42B
Inventory -----------------
Receivables -------------27.50M33.96M39.51M48.17M
Total Liabilities --172.66M397.96M473.23M985.30M1.03B1.06B1.43B1.38B1.53B3.11B-4.01B3.96B4.56B5.09B
Current Liabilities --161.65M379.41M438.85M830.13M888.27M960.80M1.34B1.34B1.45B3.08B-3.96B3.95B4.50B5.03B
Long Term Debt -------------35.00M-48.53M63.54M
Total Debt -------------43.41M67.06M59.58M65.47M
Total Equity 71.36M165.13M253.20M327.76M402.25M628.99M663.32M683.73M764.55M909.81M927.36M1.01B-781.48M859.35M873.59M890.25M
Shares Outstanding -------------51.67M52.82M54.23M55.56M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 83.50M94.05M102.03M122.51M69.22M156.94M114.52M218.31M251.05M189.91M209.18M-277.69M97.52M81.38M138.56M
Investing Cash Flow -3.21M-50.44M-210.32M-53.40M-187.35M-175.72M-72.00M-145.16M-114.97M-153.85M-785.83M--820.19M33.16M81.40M-450.53M
Financing Cash Flow 30.91M14.32M179.45M57.92M419.15M66.27M-75.68M192.19M-50.96M-65.12M1.01B-36.71M-264.02M743.15M141.28M
Capital Expenditure -13.46M-23.08M-40.44M-35.74M-39.34M-47.84M-43.27M-44.14M-61.03M-78.21M-59.03M--84.33M-75.94M-74.29M-72.54M
Free Cash Flow 70.04M70.97M61.59M86.77M29.88M109.11M71.24M174.17M190.02M111.70M150.14M-193.36M21.58M7.10M66.02M
Net Change in Cash -------------505.80M-133.34M905.93M-170.70M
Share Buybacks ---0040.99M59.01M51.97M0100.00M0095.53M00-

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------49.9%41.3%33.6%28.3%
Operating Margin % ---------11.4%2.4%-6.5%1.3%-0.4%1.4%
Net Margin % ---------9.3%1.9%-4.4%0.4%-1.5%-4.8%
ROE % 25.6%20.6%14.4%8.5%6.8%5.8%6.1%11.2%13.0%10.8%2.3%-8.2%0.8%-3.1%-11.1%
ROCE % -31.6%20.8%11.3%7.5%7.4%8.1%12.7%13.7%12.1%2.9%-11.4%2.3%-0.8%3.1%

Shareholding Pattern

Insiders
4.34%
Institutions
81.53%
Public Float
85.24%

Top Institutional Holders

#Holder% HeldSharesValue
1 No Street GP LP 7.50% 4.25M $54.70M
2 Blackrock Inc. 7.14% 4.05M $52.12M
3 Western Standard, LLC 6.26% 3.55M $45.65M
4 Dimensional Fund Advisors LP 5.40% 3.06M $39.37M
5 Vanguard Capital Management LLC 4.04% 2.29M $29.45M
6 Balyasny Asset Management LP 3.81% 2.16M $27.81M
7 American Century Companies Inc 3.79% 2.15M $27.67M
8 State Street Corporation 2.30% 1.31M $16.81M
9 Schonfeld Strategic Advisors Llc 2.27% 1.29M $16.56M
10 Geode Capital Management, LLC 2.20% 1.25M $16.07M

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