Stocks · Financial Services · Financial - Credit Services
Green Dot Corporation GDOT
$12.50 +1.05% Close, Oct 2, 2026 · NYSE · Market cap $708.5M
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $2.27B, up 17.7% from a year earlier.
- The company holds net cash of $1.08B (cash above total debt).
- The diluted share count rose 5.3% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 25%
- FCF growth (TTM, YoY)Top 17%
- Revenue growth, 3-year CAGRBottom 42%
- Revenue growth accelerationBottom 41%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 47%
- Gross marginBottom 7%
- Operating marginBottom 12%
- Accruals (lower is better)Top 21%
- Net debt / EBITDA (lower is better)Top 4%
- Interest coverTop 20%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 9%
- Free-cash-flow yieldTop 17%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 32%
- 6-month returnTop 33%
- 1-year return vs S&P 500Bottom 28%
- Distance from 52-week highTop 44%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 6%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 10%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 29%
- Maximum drawdown, 3 yearsBottom 15%
- Beta vs S&P 500 (lower is better)Top 39%
- Net debt / EBITDA (lower is better)Top 4%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 19.0% | 17.7% | ↓ |
| Gross margin | 30.5% | 24.5% | ↓ |
| Operating margin | 4.4% | 0.7% | ↓ |
| FCF margin | 2.9% | 5.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 17.7% | 19.0% | ↓ | Top 25% |
| Gross margin | 24.5% | 30.5% | ↓ | Bottom 7% |
| Operating margin | 0.7% | 4.4% | ↓ | Bottom 12% |
| Net margin | -1.1% | -1.2% | ↑ | — |
| Free-cash-flow margin | 5.1% | 2.9% | ↑ | — |
| Return on invested capital | 1.6% | — | Top 47% | |
| Revenue growth, 3-year CAGR | 12.8% | — | Bottom 42% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +8.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -8.61×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 5.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.15%
- Shareholder yield
- -0.15%
- Share count change, 1 year
- +5.3%
- Share count change, 3-year CAGR
- +3.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +43.0%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $19.08
- Target vs current price
- +52.6%
- Analysts with a rating
- 39
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | -29.7% | +0.8% | +2.9% | +1.4% | — |
| May 11, 2026 | +27.3% | -1.6% | +0.1% | +1.0% | +6.8% |
| Mar 16, 2026 | +20.0% | +1.1% | +4.8% | +11.6% | +21.1% |
| Nov 10, 2025 | +154.5% | +2.2% | -6.2% | +12.5% | +3.1% |
| Aug 11, 2025 | +135.3% | +3.0% | +37.8% | +43.5% | +20.0% |
| May 8, 2025 | +51.4% | +1.8% | +18.1% | +8.0% | +16.6% |
| Feb 27, 2025 | +5.3% | -3.7% | -16.3% | -0.9% | +8.6% |
| Nov 7, 2024 | -23.5% | -1.4% | -14.5% | -23.3% | -33.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.26 | $0.37 | -29.7% | $591.3M |
| May 11, 2026 | $1.12 | $0.88 | +27.3% | $652.0M |
| Mar 16, 2026 | -$0.08 | -$0.10 | +20.0% | $519.7M |
| Nov 10, 2025 | $0.06 | -$0.11 | +154.5% | $494.8M |
| Aug 11, 2025 | $0.40 | $0.17 | +135.3% | $504.2M |
| May 8, 2025 | $1.06 | $0.70 | +51.4% | $558.9M |
| Feb 27, 2025 | $0.40 | $0.38 | +5.3% | $455.0M |
| Nov 7, 2024 | $0.13 | $0.17 | -23.5% | $409.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 8.7× | — | — | — |
| Free-cash-flow yield | 16.42% | — | — | Top 17% |
| Earnings yield | -4.05% | — | — | Bottom 9% |
P/E over the past five years
Range 14.7× – 118.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- +0.4%
- Distance from 50-day average
- -5.1%
- Distance from 200-day average
- -0.5%
- RSI (14)
- 36.1
- Relative volume
- 1.04×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.9%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.58
- Correlation with S&P 500
- 0.18
- Current drawdown from 1-year high
- -8.0%
- Maximum drawdown, 3 years
- -54.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 13, 2020 | Mar 12, 2025 | -90.2% | 1107 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $708.5M
- EPS, diluted (TTM)
- -$0.51
- Revenue (TTM)
- $2.27B
- 52-week range
- $10.10 – $13.75
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.43B | $1.45B | $1.50B | $1.72B | $2.08B |
| Gross profit | $779.1M | $723.9M | $620.5M | $580.1M | $510.1M |
| Operating income | $66.5M | $94.4M | $22.7M | -$1.7M | $55.2M |
| Net income | $47.5M | $64.2M | $6.7M | -$26.7M | -$98.9M |
| EPS (diluted) | $0.85 | $1.19 | $0.13 | -$0.50 | -$1.79 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $409.7M | $455.0M | $558.9M | $504.2M | $494.8M | $522.6M | $656.2M | $595.9M |
| Net income | -$7.8M | $5.1M | $25.8M | -$47.0M | -$30.8M | -$46.8M | $53.8M | -$2.1M |
| EPS (diluted) | -$0.15 | $0.09 | $0.47 | -$0.85 | -$0.56 | -$0.84 | $0.93 | -$0.04 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $167.0M | $277.7M | $97.5M | $81.4M | $138.6M |
| Capital expenditure | -$57.4M | -$84.3M | -$75.9M | -$74.3M | -$72.5M |
| Free cash flow | $109.6M | $193.4M | $21.6M | $7.1M | $66.0M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | -$95.5M | -$3.9M | $0 | $3.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.14B
- Total assets
- $6.19B
- Total liabilities
- $5.25B
- Total debt
- $65.5M
- Net debt
- -$1.08B
- Shareholders’ equity
- $939.4M
As of Jun 30, 2026 (filed Aug 10, 2026).
Short interest
- Shares sold short
- 1,659,851
- Days to cover
- 5.72
- Change vs previous report
- +6.6%
FINRA short interest, settlement date Sep 15, 2026.