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Green Dot Corporation (GDOT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Green Dot Corporation stock $24.48, price $12.24, upside +100.0%, quality 43 out of 100. Rating: strongly undervalued. Calculated from audited financials with 3 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

GD Green Dot Corporation logo Thin data Nov 7, 2026

Green Dot Corporation

GDOT · US
Cheap, value-trap risk

The stock costs 50% less than our calculation considers fair.

Fair value $24.48 · Strongly undervalued (50%)
Last quarter vs. a year ago: revenue +18%, profit +98%.
Quality 43/100
Mixed Growth (revenue 5y +10.7 %/yr in USD)
Mixed vs. peers (5/12)
Loss-making · -1.1% net margin (TTM)
Narrow moat 14/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$54.80 $6.34 Fair Value $24.48 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $6.34 – $54.80 · fair‑value band $18.78 – $32.97 · the $12.24 price screens below the $24.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. The company operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services.

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It provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs.

The company offers money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager.

In addition, it offers tax processing services consisting of tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients.

Green Dot Corporation was incorporated in 1999 and is headquartered in Provo, Utah.

Stock analysis

Green Dot Corporation (GDOT) currently trades at $12.24, while our model-based Fair Value estimate is $24.48, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $35.72 per share, and 2 of the 3 models we run sit above the $12.24 price.

Bear case: the Asset-Based group reads lowest at $6.07, and 1 of the 3 models stay below the price. Data coverage for this calculation is low.

Scenario range: $18.78 (bear) to $32.97 (bull), the price of $12.24 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Green Dot Corporation reported revenue of $2.1B in FY2025 versus $1.4B in FY2021, a compound +9.8%/yr. Reported net income was −$98.9M in FY2025.

Key figures

Market cap $710M Small · P/S ratio 0.30 · EPS (TTM) $−0.5100 · Net margin −1.1% · Return on equity −2.8% · Return on assets (EBIT) 0.9% (5-year average) · Operating margin 0.9% · Revenue (TTM) $2.3B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 14 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 100%, GDOT screens cheaper than that median.

Fair Value models

Bear $18.78 Fair Value $24.48 Bull $32.97
Price $12.24 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF $29.30 $38.19 $51.43 79
Rev-Margin DCF $26.20 $33.25 $42.58 74
NCAV (Graham) $4.53 $6.07 $9.05 54
All 3 models by family
Asset-Based
NCAV (Graham) $4.53 $6.07 $9.05 54
Growth DCF
Growth DCF $29.30 $38.19 $51.43 79
Rev-Margin DCF $26.20 $33.25 $42.58 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 43/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 10
How much profit the company makes from its sales and capital
Quality Growth 52
Are margins and returns getting better?
Cashflow 27
Do the profits arrive as real cash?
Financial strength 79
Debt, balance sheet and risk of trouble
Investment 77
Does it invest with discipline instead of growing at any price?
Low Volatility 77
How calm the share price moves, does not count
Price momentum 38
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 45
Distance to the 52-week high, does not count
New shares 37
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

  • SaleJ Chris BrewsterDirector7,969 shares at $12.37$98,577Nov 28, 2025
  • SaleSaturnino Sixto FanloDirector13,451 shares at $12.61$169,617Nov 28, 2025

Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+20.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.7%
Start year 2020 (pandemic). Over 10 years: +11.5% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.9%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
2.4% (2020) → 2.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside +100.0% · Top 25%
Profitability
Return on assets −1.7% · Bottom 25%
Net margin (12 months) −1.1% · Bottom 25%
Operating margin (12 months) 0.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 18.3% · Above median
Balance sheet
Debt / equity 0.07× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.80× · Cheaper than median
P/S (12 months) 0.31× · Cheapest 25%
Price / free cash flow (fiscal year) 10.8× · Pricier than median
PEG 1.23× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 59
FUTURE (revenue growth)92 · sector 57
PAST (return on equity)0 · sector 39
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 63

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $73.74 $141.92 +92% vs GDOT
PayPal Holdings PYPL $59.24 $107.45 +81% vs GDOT
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs GDOT
Affirm Holdings AFRM $68.11 $76.63 +13% vs GDOT
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs GDOT
American Express Company AXP $320.99 $210.02 −35% vs GDOT
Visa Inc V $422.65 $242.87 −43% vs GDOT
Mastercard Incorporated MA $652.70 $360.13 −45% vs GDOT
Capital One Financial Corporation COF $201.87 $106.81 −47% vs GDOT
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs GDOT

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Green Dot Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Green Dot Corporation Fair Value". https://www.fairvalue-calculator.com/stock/GDOT

Frequently asked questions

Is Green Dot Corporation (GDOT) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $24.48 versus a price of $12.24, about +100% upside (undervalued).
What is the fair value of GDOT?
Our model-based fair value for Green Dot Corporation is $24.48 (as of Nov 7, 2026), built from audited fundamentals. The current price: $12.24.
What is the quality score of GDOT?
Green Dot Corporation has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Green Dot Corporation (GDOT)?
Our model-based price target is the fair value of $24.48 (as of Nov 7, 2026) from 3 valuation models. Cautious scenario $18.78, optimistic scenario $32.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Green Dot Corporation stock forecast for 2026?
Our models put fair value at $24.48, about +100% upside versus a price of $12.24 (undervalued). Cautious scenario $18.78, optimistic scenario $32.97. The calculation is refreshed regularly with new filings.
What is the revenue of Green Dot Corporation (GDOT)?
Green Dot Corporation reported trailing-twelve-month revenue of about $2.3B (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Green Dot Corporation (GDOT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Green Dot Corporation it is $24.48 per share (as of Nov 7, 2026), against a price of $12.24. It is the blended result of 3 valuation models in 2 families (Asset-Based, Growth DCF).
Is Green Dot Corporation stock overvalued or undervalued in 2026?
As of Nov 7, 2026, GDOT trades below its calculated fair value: price $12.24, fair value $24.48, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GDOT?
No. The price is what the market pays today ($12.24); the fair value is what the company's own numbers justify ($24.48). For Green Dot Corporation the two are $12.24 per share apart. That gap is exactly why we show both numbers side by side.
How much is Green Dot Corporation worth?
The market values Green Dot Corporation at about $710M (market capitalisation, as of Nov 7, 2026). Per share that is $12.24; our models calculate a fair value of $24.48 per share.
What do the bullish and bearish scenarios say about GDOT?
Our models span a range for Green Dot Corporation: cautious scenario $18.78, base $24.48, optimistic $32.97 per share (as of Nov 7, 2026, price $12.24). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of GDOT?
The PEG ratio of Green Dot Corporation is 1.23 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Green Dot Corporation (GDOT)?
Balance-sheet figures for Green Dot Corporation (as of Nov 7, 2026): return on equity −2.8%, debt of 0.07 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is GDOT from its 52-week high?
Green Dot Corporation trades at $12.24, about 10% below its 52-week high of $13.58 and 16% above the low of $10.53 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $24.48 is for.
Which stocks are comparable to Green Dot Corporation?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Green Dot Corporation stock attractive at the current price?
The data as of Nov 7, 2026: price $12.24, calculated fair value $24.48 (+100%), Quality Score 43/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GDOT calculated?
We run Green Dot Corporation through 3 models from 2 families: Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of $24.48 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Green Dot Corporation currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Green Dot Corporation (GDOT)?
The closing price on Nov 6, 2026 was $12.24. Our model-based fair value is $24.48, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Green Dot Corporation right now?
The large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($18.78). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Green Dot Corporation

How large is the market capitalisation of Green Dot Corporation (GDOT)?
The market capitalisation of Green Dot Corporation is $710M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Green Dot Corporation (GDOT)?
The price-to-sales ratio of Green Dot Corporation is 0.30 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Green Dot Corporation (GDOT)?
Earnings per share at Green Dot Corporation are $−0.5100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Green Dot Corporation (GDOT)?
The net margin of Green Dot Corporation is −1.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Green Dot Corporation (GDOT)?
The return on equity (ROE) of Green Dot Corporation is −2.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Green Dot Corporation (GDOT)?
On an EBIT basis the return on assets of Green Dot Corporation is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Green Dot Corporation (GDOT)?
The operating margin of Green Dot Corporation is 0.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Green Dot Corporation (GDOT)?
Revenue at Green Dot Corporation is growing +18.3% versus a year earlier (3y avg +12.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Green Dot Corporation (GDOT)?
Earnings per share at Green Dot Corporation are growing +97.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Green Dot Corporation (GDOT) generate?
The free cash flow of Green Dot Corporation is $66.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Green Dot Corporation (GDOT) hold?
Green Dot Corporation holds more cash than debt, $1.4B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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