Green Dot trades at a forward P/E of 8.2x with roughly 19% revenue growth and 10.9% analyst upside, but quality scores only 1.5 out of 10 and the most recent quarter missed estimates.
Thesis pillars
- Weak Business Quality→Stable
- Deep Value Forward Multiple→Stable
- Revenue Growth Recovery→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 24, 2026, based on the 10-K filed Mar 16, 2026
Green Dot Corporation (GDOT) Stock Analysis
Catalyst-Driven edge
Financial Services · Credit Services
Sell if holding. Engine safety override at $12.26: Quality below floor (1.5 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.9/10 and A.R:R 2.4:1 is above the 1.5:1 BUY gate. Specifically: Below-average business quality; Below long-term trend.
Green Dot Corporation builds banking and payment infrastructure through subsidiary Green Dot Bank, organized into three segments: B2B Services (Banking-as-a-Service and employer payroll), Consumer Services (retail-distributed and direct prepaid/checking accounts), and Money... Read more
Sell if holding. Engine safety override at $12.26: Quality below floor (1.5 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.9/10 and A.R:R 2.4:1 is above the 1.5:1 BUY gate. Specifically: Below-average business quality; Below long-term trend. Chart setup: No clear chart pattern; technical signals are mixed. Score 5.9/10, moderate confidence.
Passes 6/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: aggressive.
About Green Dot Corporation
About Green Dot Corporation
Green Dot Corporation runs three reportable segments -- B2B Services, Consumer Services, and Money Movement Services -- through its FDIC-insured, Utah-chartered subsidiary Green Dot Bank, with the Federal Reserve serving as primary regulator of the consolidated organization. Approximately 63% of the company's 2025 operating revenue came from a single Banking-as-a-Service partner, while sales through Walmart stores contributed about 7%, down from 17% in 2023.
The B2B Services segment packages Green Dot's banking platform for corporate partners under a Banking-as-a-Service model; its largest customers include Apple, Intuit, Dayforce, and Amazon, alongside an Employer channel offering payroll cards and on-demand wage access. Consumer Services distributes prepaid, checking, and secured-credit products through more than 90,000 retail locations -- including Walmart, where the Walmart MoneyCard agreement runs through January 2033 -- plus a direct online and mobile channel. Money Movement Services generates per-transaction fees from cash deposit and disbursement processing and from tax-related services, including Santa Barbara Tax Products Group, which processes roughly 13 million tax refunds annually. Across segments, revenue comes from merchant interchange fees, card and program-management fees paid by BaaS and retail partners, and interest income earned on deposits held at Green Dot Bank. The company names Chime Financial among competitors gaining share in digital banking and electronic payments.
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Green Dot's counterparty concentration is unusually acute for a payments-adjacent bank holding company: a single Banking-as-a-Service partner generated approximately 63% of 2025 operating revenue, and the 10-K states this revenue would be difficult to replace if that relationship ended. That dependency sits alongside a separate structural transition -- under a November 2025 merger agreement, CommerceOne Financial Corporation would acquire Green Dot for $8.11 in cash plus 0.2215 shares per share, with Green Dot Bank distributed to a CommerceOne subsidiary and the non-bank payments business sold to an affiliate of Smith Ventures for $690 million. Whether the surviving bank retains the BaaS relationship, or whether it transfers with the payments business, is not addressed in the risk factors provided.
See also: Financial Services · Credit Services
From Green Dot Corporation's most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-10-29Recent Developments — Green Dot Corporation
Latest news
- NEWS Green Dot Q2 Adj. EPS $0.26 Misses $0.37 Estimate, Sales $591.285M Beat $543.156M Estimate — benzinga Aug 10, 2026 negative
Generated 2026-10-29T11:08:51Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Unprofitable operations — net margin -1.1%. Quality floor flags this regardless of sector context.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $12.26: Quality below floor (1.5 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.9/10 and A.R:R 2.4:1 is above the 1.5:1 BUY gate. Specifically: Below-average business quality; Below long-term trend. Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $11.82. Score 5.9/10, moderate confidence.
Analyst target: $13.71 (+11.8% upside). Prior stop was $11.82. Stop-loss: $11.82.
Quality below floor (1.5 < 4.0).
Green Dot Corporation trades at a P/E of N/A (forward 8.2). TrendMatrix value score: 9.8/10. Verdict: Sell.
9 analysts cover GDOT with a consensus score of 3.9/5. Average price target: $16.
What does Green Dot Corporation do?Green Dot Corporation builds banking and payment infrastructure through subsidiary Green Dot Bank, organized into three...
Green Dot Corporation builds banking and payment infrastructure through subsidiary Green Dot Bank, organized into three segments: B2B Services (Banking-as-a-Service and employer payroll), Consumer Services (retail-distributed and direct prepaid/checking accounts), and Money Movement Services (cash transfer and tax refund processing). The company earns interchange, card, and program-management fees from BaaS partners including Apple, Intuit, Dayforce, and Amazon, plus tax-refund-transfer fees, with about 63% of 2025 operating revenue concentrated in a single BaaS partner. Green Dot has agreed t