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GDOT vs MA

GDOT
Green Dot Corporation
BEARISH
Price
$12.20
Market Cap
$677.9M
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GDOT
--
MA
30.28
Forward P/E
GDOT
7.31
MA
22.05
P/B Ratio
GDOT
0.76
MA
57.74
P/S Ratio
GDOT
0.33
MA
13.6
EV/EBITDA
GDOT
--
MA
22.13

Profitability

Gross Margin
GDOT
0.0%
MA
100.0%
Operating Margin
GDOT
-2.66%
MA
57.73%
Profit Margin
GDOT
-4.77%
MA
45.65%
ROE
GDOT
-11.21%
MA
209.91%
ROA
GDOT
-1.73%
MA
23.72%

Growth

Revenue Growth
GDOT
14.8%
MA
17.6%
Earnings Growth
GDOT
--
MA
24.2%

Financial Health

Debt/Equity
GDOT
--
MA
2.56
Current Ratio
GDOT
--
MA
1.03
Quick Ratio
GDOT
--
MA
0.68

Dividends

Dividend Yield
GDOT
--
MA
0.7%
Payout Ratio
GDOT
0.0%
MA
18.4%

AI Verdict

GDOT BEARISH

GDOT exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While the stock appears undervalued on a Price-to-Book (0.76) and Price-to-Sales (0.33) basis, this is offset by negative profit margins and a catastrophic -120% year-over-year EPS growth. Despite consistent revenue growth of 14.8%, the company is failing to translate top-line gains into bottom-line profitability. The combination of bearish insider activity and a long-term 5-year price collapse of 72.8% suggests a value trap rather than a recovery play.

Strengths
Strong revenue growth (14.8% YoY)
Trading below book value (P/B 0.76)
Low Price-to-Sales ratio (0.33)
Risks
Critical financial health (Piotroski F-Score 2/9)
Severe earnings collapse (-120% YoY EPS growth)
Negative Return on Equity (-11.21%) and Profit Margin (-4.77%)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

GDOT vs MA: Head-to-Head Comparison

This page compares Green Dot Corporation (GDOT) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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