Green Dot Corporation (GDOT) Stock

Green Dot Corporation (GDOT) is a Financials stock trading at $13.34 (as of 2026-08-20), with a market capitalization of $760.18M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Green 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.

Understand Green Dot Corporation: how it makes money

Green Dot provides consumer and business financial products in the United States, including deposit account programs, prepaid debit and gift cards, and secured credit, and it also provides money processing services like cash transfer services, making money through these product and processing revenues.

Profit is structurally tied to transaction volume economics, because money movement depends on gross dollar volume received while profitability is pressured by fraud-related losses as a percentage of that volume.

Revenue by segment (latest quarter)
Consumer$0.2B
B2B$0.1B
MoneyMove$0.4B

Business quality (Mixed): Segment revenues were only partially provided, so the Money Movement segment revenue shown here is calculated as the remainder of total revenue (0.7B) after Consumer and B2B.

Bull case

  • Direct-channel product mix is concentrated: GoTo product share of direct channel revenue is 75%, which indicates a meaningful portion of direct revenue comes from this product.
  • Multiple segments show positive profit contribution: Provided segment profit figures indicate Consumer Services segment profit of 0.06B and Money Movement segment profit of 0.06B, with Business-to-Business Services segment profit of 0.02B.

Bear case

  • Consumer account activity is declining: Active Accounts Decline in Consumer Segment is 4%, which can pressure consumer-related revenue and scale.
  • Fraud losses are a direct drag on money movement economics: Fraud-Related Losses as a Percentage of Gross Dollar Volume is 17%, which can reduce net profitability even when volume is present.
  • Cash transfer demand signals are mixed: Third-Party Cash Transfers Decrease is 5%, and Money Movement Segment Revenue Decline is listed at 0.01B.
Valuation — source: SEC EDGAR (first-party)
Price$13.34
Market Cap$760.18M
EV / EBITDA-5.0
Price / Book0.81
Price / Sales0.33
FCF Yield27.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$2.08B
Net Margin-4.8%
Revenue Growth (YoY)18.2%
FCF Growth (YoY)61.2%
Financial Health — source: SEC EDGAR
Altman Z-Score0.12 (distress)
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock Fund Advisors ($81.70M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOWilliam I. Jacobs
Employees1,150
CountryUS
IPO Date2010-07-22

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GDOT earnings history · GDOT institutional & insider holders · GDOT KPIs & operating metrics · GDOT financials · GDOT investor presentations & press releases · GDOT SEC filings · GDOT peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.