No connection

Search Results

GDOT

BEARISH
$12.2 Live
Green Dot Corporation · NYSE
Target $16.12 (+32.2%)
$8.05 52W Range $15.41

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$677.92M
P/E
N/A
ROE
-11.2%
Profit margin
-4.8%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
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.

Key Strengths

Strong revenue growth (14.8% YoY)
Trading below book value (P/B 0.76)
Low Price-to-Sales ratio (0.33)
Recent history of beating earnings estimates (3/4 last quarters)
Low forward P/E ratio (7.31) relative to sector

Key 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%)
Bearish insider sentiment with recent director sales
Long-term negative price trajectory (-72.8% over 5 years)
AI Fair Value Estimate
Based on comprehensive analysis
$11.25
-7.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
30
Weak
Value
65
Future
40
Past
25
Health
20
Dividend
0
AI Verdict
High Risk / Value Trap
Key drivers: Piotroski F-Score 2/9, Negative ROE, EPS Growth Collapse, Low P/B Ratio
Confidence
90%
Value
65/100

Trades at a significant discount to book value, but lacks the earnings quality to justify a premium.

Positives
  • P/B 0.76
  • P/S 0.33
Watchpoints
  • Negative earnings make P/E irrelevant
  • Lack of Graham Number due to negative earnings
Future
40/100

Revenue growth is decoupled from profitability.

Positives
  • Consistent revenue growth >14%
Watchpoints
  • EPS growth is trending sharply downward
  • Operating margins remain negative
Past
25/100

Long-term destruction of shareholder value.

Positives
  • 1Y price recovery (+51.2%)
Watchpoints
  • 5Y change of -72.8%
  • Consistent failure to maintain long-term value
Health
20/100

Deterministic health scores indicate a weak financial position.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 2/9
  • Negative ROA and ROE
Dividend
0/100

Non-dividend paying stock.

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$12.2
Analyst Target
$16.12
Upside/Downside
+32.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for GDOT and closest competitors.

Updated 2026-04-24
GDO
Green Dot Corporation
Primary
5Y
-72.8%
3Y
-26.3%
1Y
+51.2%
6M
-6.7%
1M
+9.8%
1W
-1.6%
BOE
BlackRock Enhanced Global Dividend Trust
Peer
5Y
+56.8%
3Y
+49.1%
1Y
+15.2%
6M
+8.2%
1M
+2.2%
1W
+0.4%
TRE
LendingTree, Inc.
Peer
5Y
-77.1%
3Y
+105.9%
1Y
+15.8%
6M
-15.4%
1M
+21.8%
1W
+13.6%
DGI
Donegal Group Inc.
Peer
5Y
+51.0%
3Y
+32.2%
1Y
+12.1%
6M
+7.2%
1M
+14.7%
1W
+1.8%
SHB
Shore Bancshares, Inc.
Peer
5Y
+40.2%
3Y
+63.5%
1Y
+64.6%
6M
+31.2%
1M
+14.3%
1W
+2.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
7.31
PEG Ratio
1.23
P/B Ratio
0.76
P/S Ratio
0.33
EV/Revenue
-0.33
EV/EBITDA
N/A
Market Cap
$677.92M

Profitability

Profit margins and return metrics

Profit Margin -4.77%
Operating Margin -2.66%
Gross Margin N/A
ROE -11.21%
ROA -1.73%

Growth

Revenue and earnings growth rates

Revenue Growth +14.8%
Earnings Growth N/A
Q/Q Revenue Growth +14.85%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$25.59

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.5B
Gross Margin
22.5%
Op. Margin
-5.2%
Net Margin
-9.0%
Total Assets
$6.0B
Liabilities
$5.1B
Equity
$0.9B
Debt/Equity
5.72x
Operating CF
$-0.1B
CapEx
$-0.0B
Free Cash Flow
$-0.1B
FCF Yield
122%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07
$N/A
2026-03-16
$-0.08
+20.0% surprise
2025-11-10
$0.06
+166.7% surprise
2025-08-11
$0.4
+122.2% surprise

Financial Services Sector Comparison

Comparing GDOT against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)
Return on Equity (ROE)
-11.21%
This Stock
vs
-1.82%
Sector Avg
+515.7% (Excellent)
Profit Margin
-4.77%
This Stock
vs
75.74%
Sector Avg
-106.3% (Weaker)
Revenue Growth
14.8%
This Stock
vs
37.18%
Sector Avg
-60.2% (Slower)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BREWSTER JOHN CHRIS
Director
Sell
2025-11-28
7,969 shares · $98,577
FANLO SATURNINO SIXTO
Director
Sell
2025-11-28
13,451 shares · $169,604
UNRUH JESS
Chief Financial Officer
Stock Award
2025-11-13
9,017 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-07

GDOT filed an 8-K on April 7, 2026, likely to announce its first-quarter financial results.

10-K
10-K
2026-03-16

GDOT filed its annual 10-K report on March 16, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures, limiting the available analysis of the company's financial performance and risk profile.

8-K
8-K
2026-03-16

GDOT filed an 8-K on March 16, 2026, likely to announce its quarterly or annual financial results.

8-K
8-K
2026-01-07

GDOT filed an 8-K on January 7, 2026, likely to report preliminary year-end financial results or a corporate update.

8-K
8-K
2025-11-26
8-K
8-K
2025-11-24
10-Q
10-Q
2025-11-10

GDOT reported strong top-line growth, with nine-month operating revenues increasing 22.8% to $1.56 billion for the period ended September 30, 2025. Despite this growth, the company's net loss widened significantly to $52.0 million for the nine-month period and $30.8 million for the most recent quarter. A key financial risk is the rapid increase in operating expenses, which outpaced revenue growth in the third quarter and contributed to accelerated losses.

8-K
8-K
2025-11-10
8-K
8-K
2025-09-03
10-Q
10-Q
2025-08-11

GDOT reported strong top-line growth, with six-month operating revenues increasing 23.7% to $1.06 billion. However, the company remains unprofitable, with the three-month net loss widening 63.8% to $47.0 million. No specific qualitative risk factors were provided in the excerpts.

8-K
8-K
2025-08-11
8-K
8-K
2025-06-20
8-K
8-K
2025-05-23
10-Q
10-Q
2025-05-12
8-K
8-K
2025-05-08
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning GDOT from our newsroom.

Newest → oldest
TradingGPT V2 Copilot
Fundamentals • Valuation • Risk
Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends
Home
Terminal
AI Chat
Markets
Profile