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Green Dot Corporation
NYSE: GDOT Financials IT 🔎 Screen
🏹 Trader: 🎯 Near 52W High View all →
$730M
Market Cap
76.2
P/E
1.26
PEG
ROCE
-11.2%
ROE
0.07
D/E
OPM
-13.0%
% from 52W High
45
α RS
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🌏 Global Investor Returns
Currency-adjusted total returns for GDOT including FX impact
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📈 Price History
Ratio Health
Excellent
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By Category
📊 Sector Averages
About

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. The company operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. It provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. The company offers 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 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, it offers tax processing services consisting of 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 Provo, Utah.

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📈 Growth Pattern
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⭐ Superinvestors Holding GDOT
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 61.4K $689K 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q3 2025 Q3 2025 2025-11-10
Q3 2025 saw 21% revenue growth and strong B2B momentum, offset by a 17% EBITDA decline. New partnerships, product launches, and a focus on embedded finance and operational efficiency support an improved outlook, with raised guidance for EBITDA and EPS.
Q2 2025 Q2 2025 2025-08-11
Adjusted revenue grew 24% and adjusted EBITDA rose 34% year-over-year, driven by B2B segment expansion, new partnerships, and higher interest income. Guidance for 2025 was raised, with continued investment in technology and compliance, while the company navigates headwinds in staffing and retail.
Q1 2025 Q1 2025 2025-05-08
First quarter 2025 saw 24% non-GAAP revenue and 53% adjusted EBITDA growth, with all segments profitable and new partnerships with Samsung and Crypto.com. Guidance for 2025 was raised, and the Walmart partnership was extended through 2033, including a $70M incentive payment.
Q4 2024 Q4 2024 2025-02-27
Fourth quarter 2024 saw 25% revenue and 70% adjusted EBITDA growth, driven by B2B momentum and improved consumer segment trends. 2025 guidance anticipates 10% revenue growth, with B2B and money movement segments leading, while consumer headwinds persist.
Q3 2024 Q3 2024 2024-11-07
Non-GAAP revenue grew 16% and adjusted EBITDA rose 19% year-over-year, led by B2B segment strength and the launch of the Arc embedded finance brand. Retail headwinds persist, but direct channel and B2B show stabilization and growth. Full-year guidance was raised for revenue and EBITDA.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
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Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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