Green Dot Corporation (GDOT) AI Stock Analysis

NYSE: GDOTAI research summary: business, growth, valuation, analysts, bull and bear case.

GDOT AI stock analysis summary

AI Research

Green Dot Corporation is a financial technology and banking services provider specializing in deposit accounts, prepaid debit cards, and money movement services. Revenue expanded 20.7% to $2.08B in FY2025, supported by a 5-year revenue CAGR of 10.7%. However, the company posted a net loss of -$98.9M in FY2025 alongside a trailing twelve-month profit margin of -1.1%.

Market cap: $695.2M
Revenue (TTM): $2.29B
P/E: —
1Y return: 0.1%
Avg. target: $16.12

Bull case

Green Dot maintained solid top-line momentum with FY2025 revenue increasing 20.7% to $2.08B and quarterly revenue expanding 18.3% year-over-year.
The balance sheet maintains liquidity strength with $1.08B in net cash and a low debt-to-equity ratio of 0.07 as of June 30, 2026.
Wall Street analysts set a mean price target of $16.12, indicating 32.2% potential upside from the October 16, 2026 close of $12.20.

Bear case

Green Dot recorded a net loss of -$98.9M in FY2025, accompanied by a trailing twelve-month profit margin of -1.1%.
Gross margin experienced steady erosion from 54.4% in FY2021 down to 24.5% in FY2025.
Long-term shareholder returns have lagged significantly, with shares falling 73.0% over 5 years while the S&P 500 gained 83.0%.

What Green Dot does

Green Dot Corporation operates as a financial technology and banking company providing financial products and services to consumers and businesses across the United States. Founded in 1999 and headquartered in Austin, Texas, the company operates across three segments: Consumer Services, Business to Business Services, and Money Movement Services. Its offerings include consumer and small business checking accounts, network-branded reloadable prepaid debit cards, and secured credit programs. Green Dot also facilitates retail point-of-sale cash transfers and bill payments, while expanding into digital currency capabilities to incorporate cryptocurrency payment solutions into its ecosystem.

Growth and profitability

Green Dot grew annual revenue from $1.43B in FY2021 to $2.08B in FY2025, recording a 5-year revenue CAGR of 10.7%. Revenue rose 20.7% in FY2025, up from 14.8% growth in FY2024 and 3.6% in FY2023. Gross margin compressed over this timeframe, declining from 54.4% in FY2021 to 24.5% in FY2025. Operating margin was 2.7% in FY2025, recovering from -0.1% in FY2024. Net income shifted from $47.5M in FY2021 to a loss of -$98.9M in FY2025, generating EPS of $0.68. Over the trailing twelve months ended June 30, 2026, revenue stood at $2.29B, with quarterly revenue growing 18.3% year-over-year and quarterly earnings up 97.9%.

GDOT income statement →

Balance sheet and cash flow

As of June 30, 2026, Green Dot held $1.14B in cash and short-term investments against total debt of $65.5M, leaving net cash of $1.08B. Shareholders' equity was $939.4M out of $6.19B in total assets. The debt-to-equity ratio stood at 0.07, while the current ratio was 0.45. Operating cash flow reached $138.6M in FY2025, yielding free cash flow of $66.0M after capital expenditures of $72.5M. Green Dot's share count increased 6.7% over 5 years.

GDOT balance sheet →

Valuation and performance

At $12.20 per share, Green Dot has a market capitalization of $695.2M and an enterprise value of -$335.9M. Its forward P/E ratio is 23.8x, compared to the median of 10.8x for US-listed Financial Services peers. GDOT trades at a price-to-sales multiple of 0.3x, below the peer median of 3.2x, and a price-to-book ratio of 0.8x. Over the past year, the stock generated a return of 0.1%, trailing the 16.8% gain for the S&P 500 (SPY). Over 5 years, GDOT declined 73.0% against an 83.0% rise for SPY.

GDOT key metrics →

What analysts expect

Wall Street coverage includes 1 Strong Buy and 2 Hold ratings. The mean price target is $16.12, representing 32.2% upside compared to the last close of $12.20. For the fiscal year ending December 31, 2026, analysts estimate revenue of $2.38B and EPS of $1.44, representing 2.1% EPS growth. In the following fiscal year, 1 analyst projects revenue of $2.54B and EPS of $1.50. Green Dot beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is November 9, 2026.

GDOT forecast and price target →

Key risks and what to watch

A current ratio of 0.45 indicates short-term liabilities exceed short-term assets as of June 30, 2026.
Profitability remains pressured, evidenced by a trailing twelve-month return on equity of -2.8% and return on assets of -0.4%.
Operating margins of 2.7% in FY2025 and 0.9% over the trailing twelve months remain well below the 37.7% median of US-listed Financial Services peers.

AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer

About this GDOT AI stock analysis

This page is an AI-written research summary of Green Dot Corporation (GDOT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: GDOT income statement, GDOT balance sheet, GDOT key metrics, GDOT analyst forecast, GDOT chart. See the GDOT stock overview for the latest quote and news.

GDOT AI stock analysis FAQ

What was Green Dot's revenue and net income for FY2025?

In FY2025, Green Dot generated revenue of $2.08B, an increase of 20.7% year-over-year. The company reported a net loss of -$98.9M, resulting in a net margin of -4.8% and EPS of $0.68.

Does Green Dot pay a dividend?

Green Dot does not pay a dividend based on the provided data.

How much debt and cash does Green Dot have?

As of June 30, 2026, Green Dot held $1.14B in cash and short-term investments and $65.5M in total debt, resulting in a net cash position of $1.08B.

What are analysts' earnings expectations for Green Dot?

Analysts expect EPS of $1.44 on revenue of $2.38B for the fiscal year ending December 31, 2026. For the following fiscal year, analysts forecast EPS of $1.50 on revenue of $2.54B.

When is Green Dot's next earnings report?

Green Dot's next scheduled earnings date is November 9, 2026.