# Green Dot Corporation (GDOT)

> Source: Nexqual · https://nexqual.com/GDOT · data as of 2026-10-15 20:00 UTC · cite as "Nexqual, Green Dot Corporation (GDOT), nexqual.com/GDOT" · informational, not investment advice.

**Price:** USD 12.26 (-0.65% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 12.34 · day 12.16–12.45 · 52w 10.1–13.75 · market cap $699M · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $2.27B, net income -$25.9M (-1.1% margin) (SEC filings).
- Analysts: Hold (mean 2.67 on a 1–5 scale) (3 analysts), mean target USD 16.13 (range 14.25–18).
- Total return with dividends: 1Y +0.6% vs S&P 500 +18.1%; 5Y -72.9% vs S&P 500 +85.1%.
- Next earnings: 2026-11-09, EPS estimate USD 0.07, revenue estimate $551M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.43B | $1.45B | $1.50B | $1.72B | $2.08B | $2.27B |
| Operating income | $66.5M | $94.4M | $22.7M | -$1.7M | $13.7M | $7.8M |
| Net income | $47.5M | $64.2M | $6.7M | -$26.7M | -$98.9M | -$25.9M |
| Free cash flow | $110M | $193M | $21.6M | $7.1M | $66.0M | $83.0M |
| Operating margin | 4.6% | 6.5% | 1.5% | -0.1% | 0.7% | 0.3% |
| Net margin | 3.3% | 4.4% | 0.4% | -1.5% | -4.8% | -1.1% |
| Revenue growth | +14.3% | +1.1% | +3.6% | +14.8% | +20.7% | — |
| Cash + short-term investments | — | — | $682M | $1.59B | $1.42B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/S 0.3x · P/FCF 8.4x · P/B 0.7x · FCF yield 11.89% · Earnings yield -3.71%
P/E at fiscal year-ends: Dec 2023 77.3x.

## Analysts
Consensus Hold (mean 2.67 on a 1–5 scale), 3 analysts; mean target USD 16.13 (low 14.25, high 18).

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-16) | 5Y (from 2021-10-11) |
|---|---|---|
| Total return | +0.6% | -72.9% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +0.6% | -22.9% |
| Volatility (annualized) | 25.0% | 49.1% |
| Max drawdown | -22.5% (Dec 2025→Mar 2026) | -83.8% (Oct 2021→Apr 2025) |

## Peers (Credit Services)
QFIN (Qfin Holdings, Inc.) USD 5.82 +1.22% · PRAA (PRA Group, Inc.) USD 19.95 -2.54% · FINV (FinVolution Group) USD 3.16 +2.93% · LU (Lufax Holding Ltd) USD 0.88 -3.97% · WRLD (World Acceptance Corporation) USD 172.37 -2.75% · SWRD (STEWARDS INC) USD 2.59 +3.60%

## More
Full page: https://nexqual.com/GDOT · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt