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Green Dot Corporation

GDOT Financial Credit Services

Green Dot Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.1 billion, up 20.7% from fiscal 2024.

Revenue
+18.2%
EPS
+95.3%
Free cash flow
+61.2%
Total debt
+0.63%

Quarter to June 2026, against a year earlier

12.20 0.24 −1.93%
Market cap
$708.9M
P/E
0.0×
Fwd P/E
58.6×
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 3.71%

Capital & Financial Ratios $m

Size
Market Cap 708.89
Revenue ttm 2,269.57
Net income ttm (25.95)
Free cash flow ttm 83.04
Net debt Q (1,079.69)
Valuation
P/E 0.00
Forward P/E 58.60 (above 35: high)
Price / sales 0.31
Forward P/S Powerpack
Price / FCF 8.51
Price / book 0.75
Financial health
Current ratio Q 0.45
Debt / equity Q 0.07
Interest coverage Q (0.48)
Growth
Revenue growth Q +18.19% (above 0%: growing)
Operating income growth Q −105.68% (below 0%: shrinking)
EPS, this year +2.13%
EPS, next year A +4.17%
Revenue, next year A +14.59% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +5.96%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 10.49%
10-year low 10-year high
P/B against its own 10 years 20.68%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 720 1,617 1,422 1,143
Receivables 110 132 198 139
Inventory — — — —
Other 738 616 947 970
1,638 2,428 2,640 2,317
2023 2024 2025 Q'26
Payables 120 104 115 59
ST’ Debt 61 — — —
Other 3,665 4,296 4,754 4,974
3,953 4,502 5,030 5,187

Compound Annual Growth %

10y 5y 3y
Sales 11.59% 10.66% 12.80%
Cash Flow (1.24%) (7.91%) (20.68%)
Earnings 0.00% 0.00% 0.00%
Book Value 2.99% (2.49%) 4.44%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.41 Actual 0.26

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY25 0.17 0.40 Beat by 0.23
Q3 FY25 −0.11 0.06 Beat by 0.17
Q1 FY26 0.88 1.12 Beat by 0.24
Q2 FY26 0.41 0.26 Miss by 0.15
Q3 FY26 0.10 — Reports 9 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.93 (0.04) — — —
’25 0.47 (0.85) (0.56) (0.84) (1.79)
’24 0.09 (0.54) (0.15) 0.09 (0.50)
’23 0.69 0.01 (0.12) (0.45) 0.13
’22 0.70 0.27 0.09 0.11 1.19
’21 0.46 0.45 0.13 (0.19) 0.85
’20 0.87 0.06 (0.06) (0.45) 0.42
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 656 596 — — —
’25 559 504 495 523 2,080
’24 452 407 410 455 1,724
’23 416 366 353 366 1,501
’22 401 363 344 342 1,450
’21 393 369 339 331 1,433
’20 362 316 291 284 1,254
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 95 100 — — —
’25 109 69 23 (62) 139
’24 89 31 (16) (23) 81
’23 101 27 5 (35) 98
’22 116 72 65 26 278
’21 81 39 28 20 167
’20 104 57 37 10 209
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 76 80 — — —
’25 89 49 4 (76) 66
’24 75 14 (37) (45) 7
’23 81 9 (13) (55) 22
’22 97 54 41 2 193
’21 70 25 12 2 110
’20 88 42 25 (5) 150
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 719 901 1,066 1,109 1,254 1,433 1,450 1,501 1,724 2,080 2,270 +12.5% 2,384 2,544 — +10.6%
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT 62 103 124 121 28 64 84 15 (23) (97) (3) n/m
EBT margin, % 8.56 11.48 11.62 10.92 2.24 4.44 5.79 0.97 (1.31) (4.68) (0.12) (13.2) pt
Net income 42 86 119 100 23 47 64 7 (27) (99) (26) n/m
Per share, $
Per share, $ Revenue 14.51 17.85 20.40 21.24 23.91 26.51 27.17 28.73 32.21 37.76 39.98 +11.2%
Earnings 0.82 1.70 2.27 1.91 0.43 0.87 1.20 0.13 (0.50) (1.79) (0.48) n/m
Cash flow 2.31 4.32 4.81 3.64 3.99 3.09 5.20 1.87 1.52 2.51 2.74 +0.9%
Capex (0.87) (0.87) (1.17) (1.50) (1.13) (1.06) (1.58) (1.45) (1.39) (1.32) (1.28) +4.7%
Free cash flow 1.44 3.45 3.64 2.14 2.86 2.03 3.62 0.41 0.13 1.20 1.46 (2.0%)
Book value 13.80 15.15 17.42 17.77 19.26 19.80 14.65 16.45 16.32 16.16 16.55 +1.8%
Shares, m 50 50 52 52 52 54 53 52 54 55 56 +1.2%
Valuation, ×
Valuation, × P/E 29.17 34.84 34.72 12.33 126.82 41.66 13.35 69.00 0.00 0.00 0.00 36.2
P/S 1.63 3.34 3.90 1.10 2.33 1.37 0.58 0.34 0.33 0.34 0.31 1.5
P/B 1.71 3.93 4.56 1.31 2.90 1.83 1.08 0.59 0.65 0.79 0.75 1.9
EV/Sales 0.64 2.27 2.89 0.20 1.16 0.45 0.04 (0.08) (0.54) (0.28) — 0.7
EV/FCF 6.44 11.74 16.21 1.96 9.68 5.92 0.30 (5.91) (131.98) (8.94) — (9.5)
Cash, $m
Cash, $m Operating cash flow 115 218 251 190 209 167 278 98 81 139 156 +2.1%
Capex (43) (44) (61) (78) (59) (57) (84) (76) (74) (73) (73) +5.9%
Free cash flow 71 174 190 112 150 110 193 22 7 66 83 (0.8%)
Balance, $m
Balance, $m Working capital 53 (15) 39 (3) (664) (1,834) (2,496) (2,315) (2,074) (2,389) (2,870) n/m
Net debt (690) (941) (1,055) (997) (1,473) (1,311) (782) (659) (1,568) (1,358) (1,080) +7.8%
Shareholders’ equity 684 765 910 927 1,010 1,071 781 859 874 890 939 +3.0%
Returns, %
Returns, % ROA 2.38 4.36 5.29 4.21 0.69 1.06 1.35 0.14 (0.52) (1.73) (0.44) (4.1) pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.08 0.00 0.00 0.00 0.0 pt
ROE 6.06 11.86 14.18 10.88 2.35 4.52 6.91 0.82 (3.08) (11.21) (2.79) (17.3) pt
People
People Employees 974 1,152 1,100 1,200 1,200 1,200 1,200 1,200 1,150 900 — (0.9%)
Revenue/emp, $m 0.74 0.78 0.97 0.92 1.04 1.19 1.21 1.25 1.50 2.31 — +13.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Green Dot Corporation vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19% Compare
LU Lufax Holding Ltd. Sponsored ADR $723.6M — (loss-making) — (loss-making) +12.08% (above 0%: growing) n/m −108.45% (below 0%: shrinking) 100.00% 63.39% Compare
GDOT Green Dot Corporation $708.9M — (loss-making) 58.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%)
WRLD World Acceptance Corporation $673.1M 13.9× 12.7× +3.53% (above 0%: growing) n/m +9.97% (above 0%: growing) 100.00% 16.75% Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
Median of peers $698.4M 8.5× 7.0× +3.35% −15.78% −31.99% 84.62% 26.46%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 11 April 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 8.13m 4.87m 45.67

Ownership

Directors and executive officers, together 1.40% of the votes
Topline Capital Partners, LP 9.80% of the votes
Starboard Value LP and affiliated entities 9.10% of the votes
T. Rowe Price Investment Management, Inc. 7.20% of the votes
Steel Partners Holdings L.P 6.90% of the votes
Vanguard Group, Inc. 6.40% of the votes
BlackRock, Inc. 6.20% of the votes
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Green Dot Corporation (GDOT) Latest News

5 Nov

Impact 3 · · Insider Monkey

15 Oct

Impact 4 · · Business Wire

20 Aug

Impact 3 ·

18 Aug

Impact 4 ·

10 Aug

Impact 3 ·
Impact 3 ·

27 Jul

Impact 3 ·

23 Jun

Impact 5 · · Business Wire

11 May

Impact 4 · · Business Wire
Impact 4 · · GuruFocus.com

28 Apr

Impact 4 · · bankingdive.com

18 Mar

Impact 3 · · Zacks

16 Mar

Impact 4 · · Associated Press Finance
Impact 4 · · Business Wire

12 Mar

Impact 3 · · Business Wire

5 Mar

Impact 4 · · Business Wire

12 Feb

Impact 4 · · Insider Monkey

20 Jan

Impact 4 · · Zacks

7 Jan

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19 Dec

Impact 4 · · ZacksZacksZacksZacksZacksZacksSimply Wall St.

18 Dec

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17 Dec

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16 Dec

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Impact 3 · · Zacks

10 Dec

Impact 3 · · Zacks

5 Dec

Impact 3 · · Zacks Small Cap Research

26 Nov

Impact 4 · · bankingdive.com
stockrow.com/GDOT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com