Green Dot
GDOT
12.61
-0.07
-0.55%
Green Dot
US · GDOT
#3502 by market cap
12.61
-0.07
-0.55%
Live - 5344 symbols - heartbeat 137s ago
· 2026-10-09 19:30
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is 0.12, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +20.69% YoY
Margins
- Gross margin
- 28.34%
- Operating margin
- 1.42%
- Net margin
- -4.75%
Key ratios & quality
- Enterprise valuei
- -639.24M
- Altman Z-Scorei
- 0.12
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.07B | 1.11B | 1.25B | 1.43B | 1.45B | 1.50B | 1.72B | 2.08B |
| Gross profit | 657.74M | 707.65M | 726.13M | 779.08M | 723.91M | 620.55M | 580.08M | 589.52M |
| Selling & admin expenses | 532.37M | 586.59M | 696.82M | 712.75M | 629.79M | 600.90M | 587.25M | 559.89M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 125.37M | 121.05M | 29.31M | 66.32M | 94.12M | 19.64M | -7.17M | 29.63M |
| Pretax profit | 123.82M | 121.08M | 28.10M | 63.70M | 83.92M | 14.63M | -22.54M | -97.27M |
| Tax | 5.11M | 21.18M | 4.96M | 16.22M | 19.71M | 7.91M | 4.16M | 1.59M |
| Net profit | 118.70M | 99.90M | 23.13M | 47.48M | 64.21M | 6.72M | -26.70M | -98.87M |
| Basic EPS | 2 | 2 | 0 | 1 | 1 | 0 | -1 | -2 |
| Diluted EPS | 2.18 | 1.88 | 0.42 | 0.85 | 1.19 | 0.13 | -0.50 | -1.79 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 558.87M | 504.18M | 494.83M | 522.62M | 656.25M | 595.88M |
| Gross profit | 205.96M | 145.49M | 120.55M | 117.53M | 220.31M | 140.61M |
| Selling & admin expenses | 146.60M | 133.72M | 135.03M | 144.54M | 152.76M | 142.85M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 59.36M | 11.77M | -14.48M | -27.01M | 67.54M | -2.25M |
| Pretax profit | 33.66M | -62.92M | -35.72M | -32.28M | 67.64M | -2.36M |
| Tax | 7.88M | -15.90M | -4.93M | 14.54M | 13.89M | -268.00K |
| Net profit | 25.77M | -47.03M | -30.79M | -46.82M | 53.75M | -2.09M |
| Basic EPS | 0 | -1 | -1 | -1 | 1 | 0 |
| Diluted EPS | 0.47 | -0.85 | -0.56 | -0.84 | 0.93 | -0.04 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 1.38B | 1.44B | 2.41B | 1.81B | 1.47B | 1.64B | 2.43B | 2.64B |
| Cash & ST investments | 1.11B | 1.07B | 1.49B | 1.32B | 813.95M | 716.12M | 1.62B | 1.42B |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 2.29B | 2.46B | 4.12B | 4.73B | 4.79B | 4.82B | 5.43B | 5.99B |
| Total current liabilities | 1.34B | 1.45B | 3.08B | 3.64B | 3.96B | 3.95B | 4.50B | 5.03B |
| Short-term debt | 58.71M | 8.76M | 8.18M | 6.92M | 3.17M | 64.37M | 2.42M | 325.00K |
| Long-term debt | -- | 35.00M | -- | -- | 35.00M | -- | 48.53M | 63.54M |
| Total liabilities | 1,377,306,000.00 | 1,533,234,000.00 | 3,105,435,000.00 | 3,654,804,000.00 | 4,007,695,000.00 | 3,957,772,000.00 | 4,560,697,000.00 | 5,094,991,000.00 |
| Total equity | 909.81M | 927.36M | 1.01B | 1.07B | 781.48M | 859.35M | 873.59M | 890.25M |
| Retained earnings | 529.14M | 629.04M | 651.89M | 699.37M | 763.58M | 770.30M | 743.60M | 644.74M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 2.75B | 3.15B | 2.57B | 2.64B | 2.83B | 2.32B |
| Cash & ST investments | 1.87B | 2.31B | 1.64B | 1.42B | 1.65B | 1.14B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 5.73B | 5.58B | 5.77B | 5.99B | 6.65B | 6.19B |
| Total current liabilities | 4.71B | 4.59B | 4.79B | 5.03B | 5.64B | 5.19B |
| Short-term debt | 2.26M | 2.88M | 1.42M | 325.00K | 500.38M | 356.00K |
| Long-term debt | 63.24M | 63.34M | 63.44M | 63.54M | 63.64M | 63.74M |
| Total liabilities | 4,780,222,000.00 | 4,662,582,000.00 | 4,853,911,000.00 | 5,094,991,000.00 | 5,710,115,000.00 | 5,252,654,000.00 |
| Total equity | 947.66M | 920.88M | 913.29M | 890.25M | 940.50M | 939.40M |
| Retained earnings | 769.38M | 722.35M | 691.56M | 644.74M | 698.49M | 696.40M |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 251.05M | 189.91M | 209.18M | 167.03M | 277.69M | 97.52M | 81.38M | 138.56M |
| Depreciation & amortization | 71.34M | 82.11M | 86.12M | 84.80M | 80.61M | 82.97M | 84.70M | 85.52M |
| Free cash flow | 190.02M | 111.70M | 150.14M | 109.60M | 193.36M | 21.58M | 7.10M | 66.02M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | -100.00M | 0 | 0 | -95.53M | -- | -- | -- |
| Ending cash balance | 1.10B | 1.07B | 1.50B | 1.33B | 819.85M | 686.50M | 1.59B | 1.42B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 108.72M | 68.98M | 23.33M | -62.47M | 95.06M | 99.62M |
| Depreciation & amortization | 20.38M | 21.28M | 21.47M | 22.39M | 23.28M | 23.80M |
| Free cash flow | 89.30M | 49.49M | 3.54M | -76.31M | 76.03M | 79.78M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | -- | -- | -- | -- | -- |
| Ending cash balance | 1.77B | 2.31B | 1.64B | 1.42B | 1.65B | 1.14B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 14.18 | 10.88 | 2.35 | 4.52 | 6.91 | 0.82 | -3.08 | -11.21 |
| ROA %i | 5.29 | 4.21 | 0.69 | 1.06 | 1.35 | 0.14 | -0.52 | -1.73 |
| ROIC %i | 13.54 | 10.05 | 2.24 | 4.44 | 6.70 | 0.77 | -2.87 | -10.47 |
| 5-year avg ROE %i | 9.03 | 9.75 | 9.06 | 8.76 | 7.77 | 5.10 | 2.31 | -0.41 |
| EBIT margin %i | 11.62 | 10.92 | 2.34 | 4.63 | 6.49 | 1.31 | -0.42 | 1.42 |
| FCF / sales %i | 17.83 | 10.08 | 11.98 | 7.33 | 13.34 | 1.44 | 0.41 | 3.17 |
| Current ratioi | 1.03 | 1.00 | 0.78 | 0.50 | 0.37 | 0.41 | 0.54 | 0.52 |
| Quick ratioi | 0.86 | 0.77 | 0.50 | 0.38 | 0.22 | 0.20 | 0.38 | 0.31 |
| Debt / assetsi | 2.57 | 2.77 | 0.60 | 0.32 | 0.91 | 1.39 | 1.10 | 1.09 |
| LT debt / equityi | -- | 6.41 | 1.62 | 0.77 | 5.15 | 0.31 | 6.54 | 7.32 |
| Interest coveragei | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | 15.07 | 15.15 | 11.64 | 10.38 | 9.35 | 6.19 | 6.35 | 12.80 |
| Net income CAGR (3Y) %i | 45.65 | 33.91 | -35.42 | -26.32 | -13.70 | -33.76 | -- | -- |
| FCF CAGR (3Y) %i | 20.31 | 16.17 | -4.83 | -16.76 | 20.07 | -47.62 | -59.85 | -30.11 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -0.62 | -2.68 | -5.09 | -11.21 | -7.51 | -2.79 |
| ROA %i | -0.10 | -0.43 | -0.85 | -1.73 | -1.15 | -0.44 |
| ROIC %i | -0.58 | -2.49 | -4.79 | -10.47 | -5.61 | -2.60 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 2.35 | 4.14 | 3.47 | 1.42 | 1.74 | 1.05 |
| FCF / sales %i | 1.19 | 2.94 | 4.83 | 3.17 | 2.42 | 3.66 |
| Current ratioi | 0.58 | 0.69 | 0.54 | 0.52 | 0.50 | 0.45 |
| Quick ratioi | 0.42 | 0.53 | 0.37 | 0.31 | 0.33 | 0.25 |
| Debt / assetsi | 1.28 | 1.31 | 1.15 | 1.09 | 8.50 | 1.06 |
| LT debt / equityi | 7.51 | 7.66 | 7.13 | 7.32 | 6.93 | 6.94 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Business to Business (B2B) Services is the largest reported line at 75.26% of revenue, across 6 reported segments.
- The next-largest line, Consumer Services, is a distant second at 14.22% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Business to Business (B2B) Services75.26%
Consumer Services14.22%
Money Movement Services7.87%
Corporate and Other1.88%
Embedded finance and processing expenses1.04%
Quote time 2026-10-09 19:30:04 · For reference only, not investment advice and not tailored to your situation.
Green Dot discussion 0 comments