Zacks Investment Research·4 days ago
Is Green Dot (GDOT) Stock Outpacing Its Business Services Peers This Year?Here is how Green Dot (GDOT) and Remitly Global, Inc. (RELY) have performed compared to their sector so far this year.
Green Dot Corporation(GDOT)Earnings, Financials & Key Ratios
GDOT•NYSE
$13.30
Price updated Jul 7, 2026
AboutGreen Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company offers deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It also provides 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 simply paid 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, the company offers tax processing services comprising 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 Austin, Texas.Show more
- EBITDA$141M+69.5%
- Net Income-$99M-270.3%
- EPS (Diluted)-1.79-258.0%
- Gross Margin24.52%-27.1%
- EBITDA Margin6.76%+40.4%
- Operating Margin2.65%+2841.4%
- Net Margin-4.75%-206.8%
- ROE-11.21%-263.8%
GDOT Price & Volume
Green Dot Corporation (GDOT) stock price & volume — 10-year historical chart
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Cyclical Revenue Growth Masks Persistent Margin Erosion
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Negative
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regulatory and margin compression
Key Thesis Takeaways
- Green Dot exhibits a complex financial profile where top-line expansion to $656.2M in 2026Q1 is frequently offset by significant seasonal volatility and structural margin compression.
- While the company maintains a conservative debt-to-equity ratio of 0.07, the lack of consistent operating leverage and erratic free cash flow conversion suggest that the current growth model may struggle to deliver sustainable shareholder value.
- Investors should monitor the company's ability to stabilize profitability amidst ongoing technology platform migrations and potential goodwill impairment risks associated with its $369M intangible asset base.
Verdict Logic
while the forward P/E of 8.06 suggests potential value, the persistent lack of consistent operating leverage and the volatility in net income, which ranged from a $53.8M profit to a $47.0M loss, warrant a cautious wait-and-see approach.
GDOT Growth Metrics
Green Dot Corporation (GDOT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.52%
5 Years10.66%
3 Years12.8%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-1148.21%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-951.79%
Return on Capital
10 Years7.57%
5 Years4.9%
3 Years2.78%
Last Year5.85%
GDOT Recent Earnings
Green Dot Corporation (GDOT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
May 11, 2026Metric
Actual
Est
EPS
$1.12+27.3%
$0.88
Rev
$652M+9.1%
$597M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.08+20.0%
$0.10
Rev
$520M+2.3%
$508M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.11-10.0%
$0.10
Rev
$509M+0.2%
$508M
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$0.06+154.5%
$0.11
Rev
$495M-2.6%
$508M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 11, 2026 | $1.12vs $0.88+27.3% | $652Mvs $597M+9.1% |
| Q2 2026 | Mar 16, 2026 | $0.08vs $0.10+20.0% | $520Mvs $508M+2.3% |
| Q2 2026 | Mar 12, 2026 | $0.11vs $0.10-10.0% | $509Mvs $508M+0.2% |
| Q4 2025 | Nov 10, 2025 | $0.06vs $0.11+154.5% | $495Mvs $508M-2.6% |
Based on last 12 quarters of dataView full earnings history →
Latest GDOT News
Recent stock market news and headlines for Green Dot Corporation (GDOT)
Zacks Investment Research·Jun 30, 2026
These 3 Small Cap Stocks Sport Bullish OutlooksSeveral small-cap stocks, specifically Green Dot (GDOT), Priority Technology (PRTH), and Movado Group (MOV), have enjoyed notable strength over recent months, with each also sporting the highly coveted Zacks Rank #1 (Strong Buy).
Zacks Investment Research·Jun 30, 2026
5 Undervalued Stocks With Attractive Price-to-Sales Ratios5 low price-to-sales stocks passed a value screen that combines valuation, debt and quality metrics to highlight potential upside opportunities.
PYMNTS·Jun 30, 2026
Green Dot Says Embedded Finance Needs Better MathWatch more: Need to Know With Green Dot's Akhil Gupta Embedded finance programs have spent years proving they can attract customers. The more difficult challenge now is determining whether those customers stay.
PYMNTS·Jun 24, 2026
Green Dot Bank-FinTech Split Moves Closer to the Finish LineGreen Dot has moved one step closer to separating its banking and FinTech operations. The company announced Tuesday (June 23) that its shareholders had approved the sale of Green Dot Bank to CommerceOne.
Peers Comparison
Key metrics vs top competitors for Green Dot Corporation (GDOT)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $13.30 | $753.85M | -7.43 | 20.69% | -4.75% | -11.21% | — | |
| $59.62 | $6.98B | 9.09 | 9.09% | 16.12% | 23.62% | — | |
| $4.04 | $355.87M | -1.35 | -1.21% | -82.73% | -46.64% | — | |
| $17.75 | $22.77B | 45.51 | 28.78% | 11.22% | 6.25% | — | |
| $383.96 | $5.16B | 28.38 | 47.49% | 40.81% | 84.53% | — | |
| $83.62 | $27.85B | 557.47 | 38.8% | 11.95% | 11.17% | — |
Compare GDOT vs Peers
Green Dot Corporation (GDOT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GDOT SEC Filings & Documents
Green Dot Corporation (GDOT) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 11, 2026·SEC
Material company update
Apr 7, 2026·SEC
Material company update
Mar 16, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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GDOT Frequently Asked Questions
Green Dot Corporation (GDOT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Green Dot Corporation's revenue?
Green Dot Corporation (GDOT) reported $2.18B in revenue for fiscal year 2025.
How fast is Green Dot Corporation growing?
Green Dot Corporation (GDOT) grew revenue by 20.7% over the past year. This is strong growth.
Is GDOT profitable?
Green Dot Corporation (GDOT) reported a net loss of $70.9M for fiscal year 2025.
Dividend & Returns
What is GDOT's return on equity?
Green Dot Corporation (GDOT) has a return on equity (ROE) of -11.2%. Negative ROE indicates the company is unprofitable.
What is Green Dot Corporation's free cash flow?
Green Dot Corporation (GDOT) generated $47.2M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.