📊 GDOT Key Takeaways
Is Green Dot Corp. (GDOT) a Good Investment?
While Green Dot demonstrates solid free cash flow generation and zero long-term debt, fundamental concerns are significant: net income flat despite 4.5% revenue growth indicates deteriorating profitability, extremely low current ratio (0.50x) signals working capital stress, and poor returns on capital (5.7% ROE, 0.8% ROA) reflect inefficient asset utilization in a competitive fintech landscape.
Green Dot shows modest revenue growth and positive free cash flow, but its fundamentals are weakened by a net loss, very thin operating margin, and negative returns on assets and equity. The balance sheet benefits from a large cash position and no long-term debt, yet profitability quality is poor and liabilities remain high relative to equity. Overall, the business appears financially stable enough to operate, but not fundamentally strong enough to support a favorable view until earnings conversion improves materially.
Green Dot Corp. Key Strengths (GDOT)
- Strong free cash flow generation ($76M FCF, 11.6% FCF margin) with minimal capex requirements
- Zero long-term debt and no leverage burden ($1.6B cash position provides financial flexibility)
- Reasonable operating margins (10.5%) and net margins (8.2%) for financial services sector
- Positive operating cash flow and free cash flow despite net losses
- Large cash balance of $1.42B provides liquidity support
- No long-term debt reduces financial leverage risk
GDOT Stock Risks: Green Dot Corp. Investment Risks
- Critical liquidity stress: current ratio and quick ratio at 0.50x (well below healthy 1.0x threshold) suggests working capital shortfall
- Earnings growth stalling: net income flat YoY (+0.0%) while revenue grows 4.5% indicates margin compression and cost pressures
- Severely depressed capital returns: ROE of 5.7% and ROA of 0.8% demonstrate poor efficiency in deploying $6.7B in assets
- Net margin of -4.8% and ROE of -11.1% indicate weak earnings quality
- Operating margin of just 0.7% leaves little room for execution error
- Liabilities of $5.09B versus equity of $890.25M create a thin capital cushion
Key Metrics to Watch
- Current and quick ratios - liquidity crisis indicators
- Net income growth trajectory relative to revenue growth - earnings quality deterioration
- Return on equity and return on assets trends - capital efficiency recovery
- Operating expense ratio - cost structure management
- Operating margin and net income trend
- Free cash flow consistency versus revenue growth
Green Dot Corp. (GDOT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
GDOT Profit Margin, ROE & Profitability Analysis
GDOT vs Finance Sector: How Green Dot Corp. Compares
How Green Dot Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Green Dot Corp. Stock Overvalued? GDOT Valuation Analysis 2026
Based on fundamental analysis, Green Dot Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Green Dot Corp. Balance Sheet: GDOT Debt, Cash & Liquidity
GDOT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Green Dot Corp.'s revenue has grown significantly by 41% over the 5-year period, indicating strong business expansion.
GDOT Revenue Growth, EPS Growth & YoY Performance
GDOT Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $537.2M | $25.8M | N/A |
| Q3 2025 | $393.7M | -$7.8M | N/A |
| Q2 2025 | $392.5M | -$21.3M | N/A |
| Q1 2025 | $439.3M | $4.8M | N/A |
| Q3 2024 | $344.6M | -$6.3M | N/A |
| Q2 2024 | $355.9M | $578.0K | N/A |
| Q1 2024 | $405.7M | $4.8M | N/A |
| Q3 2023 | $332.3M | $4.7M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Green Dot Corp. Dividends, Buybacks & Capital Allocation
GDOT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Green Dot Corp. (CIK: 0001386278)
📋 Recent SEC Filings
❓ Frequently Asked Questions about GDOT
What is the AI rating for GDOT?
Green Dot Corp. (GDOT) has a Combined AI Grade of C from Claude (C) and ChatGPT (C) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are GDOT's key strengths?
Claude: Strong free cash flow generation ($76M FCF, 11.6% FCF margin) with minimal capex requirements. Zero long-term debt and no leverage burden ($1.6B cash position provides financial flexibility). ChatGPT: Positive operating cash flow and free cash flow despite net losses. Large cash balance of $1.42B provides liquidity support.
What are the risks of investing in GDOT?
Claude: Critical liquidity stress: current ratio and quick ratio at 0.50x (well below healthy 1.0x threshold) suggests working capital shortfall. Earnings growth stalling: net income flat YoY (+0.0%) while revenue grows 4.5% indicates margin compression and cost pressures. ChatGPT: Net margin of -4.8% and ROE of -11.1% indicate weak earnings quality. Operating margin of just 0.7% leaves little room for execution error.
What is GDOT's revenue and growth?
Green Dot Corp. reported revenue of $656.2M.
Does GDOT pay dividends?
Green Dot Corp. does not currently pay dividends.
Where can I find GDOT SEC filings?
Official SEC filings for Green Dot Corp. (CIK: 0001386278) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is GDOT's EPS?
Green Dot Corp. has a diluted EPS of $0.33.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is GDOT's fundamental grade?
Based on our AI fundamental analysis in June 2026, Green Dot Corp. has a C grade with 74% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is GDOT stock overvalued or undervalued?
Valuation metrics for GDOT: ROE of 5.7% (sector avg: 12%), net margin of 8.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is GDOT's AI grade for 2026?
Our dual AI analysis gives Green Dot Corp. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is GDOT's free cash flow?
Green Dot Corp.'s operating cash flow is $95.1M, with capital expenditures of $19.0M. FCF margin is 11.6%.
How does GDOT compare to other Finance stocks?
Vs Finance sector averages: Net margin 8.2% (avg: 25%), ROE 5.7% (avg: 12%), current ratio 0.50 (avg: 1.2).