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Green Dot (GDOT) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Green Dot
NYSE•Financial Services•Credit Services
$13.25-0.08(-0.01%)Pre-market
Market Cap
$756.11M
P/S
0.3x
P/B
0.8x

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.

B

How this company scores

GoodMetricSide Score: 65/100

Strongest: Cash & Earnings Quality (22/25); weakest: Profitability (8/25).

Profitability8/25
Growth16/25
Balance Sheet & Red Flags19/25
Cash & Earnings Quality22/25
Strengths
Growing revenueRising free cash flowLong cash runwayLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 91.9x5y range 9.5x – 91.9x
P/E 91.9x · above its 10-quarter median

Currently above its 10-quarter median.

P/S · 0.3x5y range 0.3x – 0.5x
P/S 0.3x · near its 20-quarter median

Currently near its 20-quarter median.

P/B · 0.8x5y range 0.5x – 0.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 109.6% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume
Market Cap $756.11M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$2.27B
7Q
Q. Revenue
$595.88M
18%
TTM EBITDA
$120.73M
36%
TTM Op. Income
$7.79M
91%
Q. Op. Income
$-761,000
106%
TTM Net Income
$-25.95M
2Q
Q. Net Income
$-2.09M
96%
EPS
$-0.04
95%
Shares Out.
$56.77M
7Q
$2.27B in TTM revenue grew 17.7% YoY, reaching $595.88M last quarter. TTM EBITDA of $120.73M and TTM operating income of $7.79M show growth is flowing through to the bottom line. However, net income is negative at $25.95M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
3.9%
44%
Op. Margin
-0.1%
105%
Net Margin
-0.4%
96%
Op. margin of -0.1% is down 2.8% YoY — costs are rising relative to revenue. Net margin at -0.4% Over the past year, operating margin is down 105% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
N/A
P/S Ratio
0.3x
8%
P/B Ratio
0.8x
25%
P/S of 0.3x and P/B of 0.8x. P/S is low relative to typical market levels.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$6.19B
11%
Cash
$1.14B
51%
Long-Term Debt
$63.74M
7Q
Book Value
$939.40M
2%
D/E Ratio
0.1
1%
Debt/EBITDA
2.8
232%
With $6.19B in assets and $63.74M in long-term debt, D/E is 0.1and book value is $939.40M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 1% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$99.62M
2Q
TTM Free Cash Flow
$83.03M
46%
FCF Margin
3.7%
24%
FCF / Net Income
-3.2
2Q
TTM FCF of $83.03M on $99.62M in operating cash flow. The FCF / Net Income ratio of -3.2x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is up 46% — an improving trend.

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P/B 0.8x
· near its 20-quarter median

Currently near its 20-quarter median.

Cash Burn

Watch

FCF turned negative in 3 of the last 8 quarters — occasional cash consumption.

Share Dilution

Red Flag

Shares outstanding increased 5.7% — significant dilution, likely from stock compensation or capital raises.