📊 GDOT Key Takeaways
Is GDOT a Good Investment? Thesis Analysis
Green Dot displays deteriorating operational performance with negative net margins (-4.8%) and negative returns on equity (-11.1%), indicating the company is destroying shareholder value despite revenue growth. Critical liquidity concerns emerge from a severely depressed current ratio of 0.52x, suggesting potential difficulties meeting short-term obligations despite holding $1.4B in cash, pointing to operational inefficiencies or structural business challenges.
Why Buy GDOT? Key Strengths
- Moderate revenue growth of 4.5% YoY demonstrates sustained demand for financial services offerings
- Positive free cash flow of $66.0M (3.2% FCF margin) and strong operating cash flow of $138.6M provide some financial flexibility
- Minimal debt exposure with 0.00x debt-to-equity ratio reduces financial risk from leverage
GDOT Investment Risks to Consider
- Deeply negative net income of -$98.9M with -4.8% net margin indicates operational losses and business model unprofitability at scale
- Critically weak current ratio of 0.52x suggests potential liquidity crisis despite $1.4B cash balance, indicating misalignment of asset types or operational cash burn
- Negative ROE (-11.1%) and ROA (-1.7%) demonstrate systematic destruction of shareholder capital and poor asset utilization efficiency
- Operating margin of only 0.7% leaves minimal buffer for unexpected costs or revenue disruptions
Key Metrics to Watch
- Net income trajectory and path to profitability sustainability
- Current ratio improvement and working capital management efficiency
- Operating margin expansion through cost structure optimization
GDOT Financial Metrics
💡 AI Analyst Insight
The relatively thin 3.2% FCF margin may limit capital allocation flexibility. The current ratio below 1.0x warrants monitoring of short-term liquidity.
GDOT Profitability Ratios
GDOT vs Finance Sector
How GREEN DOT CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is GDOT Overvalued or Undervalued?
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.
GDOT Balance Sheet & Liquidity
GDOT 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: GREEN DOT CORP's revenue has grown significantly by 41% over the 5-year period, indicating strong business expansion.
GDOT Growth Metrics (YoY)
GDOT Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $352.1M | $578.0K | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
GDOT Capital Allocation
GDOT SEC 10-K & 10-Q Filing 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 an AI rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are GDOT's key strengths?
Claude: Moderate revenue growth of 4.5% YoY demonstrates sustained demand for financial services offerings. Positive free cash flow of $66.0M (3.2% FCF margin) and strong operating cash flow of $138.6M provide some financial flexibility.
What are the risks of investing in GDOT?
Claude: Deeply negative net income of -$98.9M with -4.8% net margin indicates operational losses and business model unprofitability at scale. Critically weak current ratio of 0.52x suggests potential liquidity crisis despite $1.4B cash balance, indicating misalignment of asset types or operational cash burn.
What is GDOT's revenue and growth?
GREEN DOT CORP reported revenue of $2.1B.
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 rating reflects both perspectives for balanced insights.
Is GDOT a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, GREEN DOT CORP has a SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is GDOT stock overvalued or undervalued?
Valuation metrics for GDOT: ROE of -11.1% (sector avg: 12%), net margin of -4.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy GDOT stock in 2026?
Our dual AI analysis gives GREEN DOT CORP a combined SELL rating 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 $138.6M, with capital expenditures of $72.5M. FCF margin is 3.2%.
How does GDOT compare to other Finance stocks?
Vs Finance sector averages: Net margin -4.8% (avg: 25%), ROE -11.1% (avg: 12%), current ratio 0.52 (avg: 1.2).