Stock

Green Dot Corporation

GDOT

Financial - Credit Services · Financial Services

Also trades as: 0J0N.L GBP 0.12 (-0.81%)

Price

$12.36

-0.03 (-0.24%)

Market Cap

$704.3M

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Oct 25, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality

Weak

5/30

Growth

Mixed

7/20

Cash Flow

Weak

1/10

Stability

Strong

8/10

Valuation

Data not available

0/10

Ownership

Mixed

6/15

Dividends

Not counted

n/a

27 of 95 counted points = Winston Score 28. Pillars marked n/a do not apply to this company and are left out of the total.

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§Winston Score History

The full picture

Green Dot Corporation is a financial technology company that helps people who don't have traditional bank accounts manage their money. It sells prepaid debit cards and offers basic banking services under brands like Green Dot, GO2bank, and Visa-branded reloadable cards. Its customers are typically lower-income Americans who want simple, low-cost alternatives to regular checking accounts.

Green Dot makes money by charging fees for card purchases, ATM withdrawals, and monthly maintenance, as well as earning interest on customer deposits. It operates almost entirely in the United States and also runs a "Banking as a Service" business, where it powers financial products for large partners like Walmart and Apple. The company faces real pressure from competitors like Chime and Cash App, which offer similar services with fewer fees, and its thin operating margin of around 1% shows how difficult it is to stay profitable while competing for cost-sensitive customers.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+18.2% YoY

YoY Growth Rate

Steady revenue growth

Reported EPS Growth

+95.7% YoY

Quarterly reporting periods ended:

30 Jun 2025: $-0.85

30 Jun 2026: $-0.0368

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

4.1%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$4.2B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Green Dot Corporation is a rare growth stock that's already generating positive cash flow while growing at 18%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.2% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 55.2M (2021) → 55.1M (2025)

Score breakdown

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Quality

Profit per sale

Gross Margin

19.9%

Thin — 19.9% gross margin

Profit after running costs

Operating Margin

0.8%

Thin — 0.8% operating margin

Return on the money invested

ROCE

1.6%

Weak — 1.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

+17.7%

Fast-growing sales (+17.7% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

3.4%

Thin free cash flow (3.4%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.07

Conservative — low debt load (0.07)

Covers its interest

Interest Cover

5.05x

Adequate interest coverage (5.0x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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