Green Dot Corporation

GDOT

Financial - Credit Services · Financial Services

Also trades as: 0J0N.L

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Mixed

Cash Flow

Weak

Stability

Strong

Valuation

Data not available

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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

EPS Growth

+95.3% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

6.3%ownership

→ Flat

Insider ownership roughly steady over the past year

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.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

-33.3%

Thin — -33.3% gross margin

Profit after running costs

Operating Margin

-0.1%

Losing money on operations — -0.1%

Return on the money invested

ROCE

1.0%

Weak — 1.0% 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

3.25x

Tight — interest eats into profit (3.3x)

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

no trend

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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