GDOT
Financial ServicesGreen Dot Corporation · Financial - Credit Services · $720M
What is Green Dot Corporation?
Green Dot Corporation is a financial technology and bank holding company focused on accessible financial products for everyday consumers and businesses across the United States. Incorporated in 1999 and headquartered in Austin, Texas, it operates at the intersection of banking and fintech.
Green Dot generates revenue across three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company issues prepaid debit cards, reloadable deposit accounts, and secured credit products, while also enabling cash deposits and bill payments at retail locations nationwide. Its tax processing arm facilitates refund transfers and offers small advances to independent tax preparers. On the business side, Green Dot powers white-label banking programs and disbursement services for corporate partners.
Green Dot was incorporated in 1999 and is headquartered in Austin, Texas.
- Reloadable prepaid debit cards and network-branded gift cards
- Consumer and small business checking account programs
- Cash transfer and bill payment services at retail point-of-sale
- Tax refund transfer processing and fast cash advance loans
- Wage disbursement and third-party banking program management
Is GDOT a Good Stock to Buy?
UQS Score rates GDOT as Below Average overall.
Among the five pillars, Valuation stands out as Attractive, suggesting the market may already be pricing in many of the company's challenges. Growth and Risk both register as Neutral, meaning neither accelerating expansion nor acute financial stress dominates the near-term picture.
Quality and Moat are both rated Weak, reflecting thin competitive differentiation and profitability concerns that weigh on the overall composite score.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does GDOT pay dividends?
No — Green Dot Corporation does not currently pay a dividend.
Green Dot does not currently pay a dividend. For a company operating in competitive fintech and prepaid banking, retaining capital to fund product development, technology infrastructure, and potential partnership expansion is a common strategic choice. Income-focused investors should factor this into their overall assessment of GDOT.
When does GDOT report earnings?
Green Dot reports earnings on a quarterly cadence, consistent with standard practice for US-listed equities.
Revenue trends across Green Dot's three segments reflect the evolving dynamics of prepaid banking and B2B fintech services. Profitability has faced pressure, consistent with the Weak Quality pillar rating in the UQS framework.
For the most recent quarter's results and forward guidance, visit Green Dot Corporation's investor relations page directly.
GDOT Price History
-69.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Green Dot Corporation?
Based on Green Dot Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
GDOT Long-term Outlook
Green Dot's fundamental outlook is shaped by a Neutral Growth profile alongside a Neutral Risk rating — suggesting a company navigating a transitional period rather than one in clear decline or rapid expansion. The Attractive Valuation label indicates the current price may reflect existing headwinds. Sustained improvement in Quality and Moat metrics would be key signals to watch for any meaningful re-rating.
Growth drivers
- Expansion of B2B banking-as-a-service partnerships with corporate clients
- Growth in money movement and cash disbursement volumes at retail locations
- Tax season processing demand providing recurring seasonal revenue
Key risks
- Weak competitive moat in a crowded prepaid and neobank market
- Profitability pressure reflected in the Weak Quality pillar rating
- Regulatory scrutiny typical of bank holding companies in consumer finance
GDOT vs Peers
Green Dot operates in a fragmented financial services landscape alongside a range of specialty lenders and fintech-adjacent firms.
World Acceptance focuses on small-loan consumer lending through physical branch networks, contrasting with Green Dot's digital-first prepaid and deposit model.
NewtekOne targets small business lending and banking services, competing with Green Dot's small business checking and lending offerings.
Lufax operates as a China-based consumer lending and wealth management platform, representing an international alternative in the broader fintech category.
Frequently Asked Questions
What does Green Dot Corporation do?
Green Dot provides prepaid debit cards, reloadable deposit accounts, and cash transfer services to consumers and businesses across the US. It also operates a tax refund processing business and powers white-label banking programs for corporate partners through its B2B segment.
Does GDOT pay dividends?
Green Dot does not currently pay a dividend. The company retains capital to support its technology platform, banking operations, and partnership development rather than distributing earnings to shareholders.
When does GDOT report earnings?
Green Dot follows a standard quarterly earnings cadence for US-listed companies. Specific dates are not covered by our data source — check Green Dot's investor relations page for the current reporting schedule.
Is GDOT a good stock to buy?
UQS Score rates GDOT as Below Average, driven by Weak Quality and Moat pillars. The Valuation pillar is rated Attractive, which may interest contrarian investors, but structural concerns around profitability and competitive positioning remain. The complete analysis is available to Pro members.
Is GDOT overvalued?
Based on the UQS Valuation pillar, GDOT is rated Attractive, suggesting the stock is not considered overvalued relative to its fundamentals at current levels. However, valuation alone does not determine investment merit — Quality and Moat weaknesses are also part of the picture.
How does GDOT compare to its competitors?
Green Dot occupies a distinct niche in prepaid banking and money movement, differentiating it from consumer lenders like World Acceptance and business-focused platforms like NewtekOne. Its B2B banking-as-a-service model is a differentiator, though its overall UQS Score trails stronger-rated peers in financial services.
What is GDOT's market cap bracket?
Green Dot is classified as a small-cap company. This places it in a segment of the market that can offer growth potential but typically carries higher volatility and less analyst coverage than large- or mega-cap peers.
Who founded Green Dot Corporation?
Green Dot was founded by Steve Streit, who built the company around the idea of providing accessible banking products to underserved consumers. Founding details are widely available through public records and the company's own history.
Is GDOT a long-term quality investment?
As a long-term quality indicator, GDOT's UQS profile raises caution — Weak Quality and Moat pillars suggest the business lacks the durable competitive advantages typically associated with compounding long-term returns. Neutral Growth and Risk ratings offer some balance, but the overall composite is Below Average.
What is the main competitive advantage of Green Dot?
Green Dot's primary differentiator is its established retail distribution network for cash services and its banking-as-a-service infrastructure for corporate clients. However, the UQS Moat pillar rates this advantage as Weak, reflecting intense competition from neobanks and larger financial institutions.
What sector does GDOT belong to?
Green Dot operates in the Financial Services sector, specifically at the intersection of fintech and consumer banking. It holds a bank charter, which distinguishes it from pure-play fintech platforms and subjects it to bank holding company regulations.
Is GDOT a growth stock or value stock?
Based on its UQS profile, GDOT shows a Neutral Growth rating and an Attractive Valuation label — positioning it closer to a value-oriented opportunity than a high-growth play. Investors should weigh the Attractive Valuation against the Weak Quality and Moat ratings before drawing conclusions.
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Pro Analysis
GDOT — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 44.1 | 20.9 | 24.0 | 52.7 | 49.3 | 99.7 | -0.1 |
| May 18, 2026 | 44.2 | 21.3 | 24.0 | 52.7 | 49.3 | 99.8 | -2.7 |
| Apr 2, 2026 | 46.9 | 26.7 | 24.0 | 52.7 | 58.1 | 100.0 | — |
GDOT — Pillar Breakdown
Quality
— 21.0/100 (25%)Green Dot Corporation currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 52.7/100 (20%)Green Dot Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 49.3/100 (15%)Green Dot Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 99.8/100 (15%)Green Dot Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 24/100 (25%)Green Dot Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for GDOT.
Score Composition
Financial Data
More Stock Analysis
How is the GDOT UQS Score Calculated?
The UQS (Unified Quality Score) for Green Dot Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Green Dot Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Green Dot Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.