Green Dot Corporation Class A Common Stock $0.001 par value (GDOT)

FairStock Score: 40/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I want a business whose earning power is durable and whose price leaves a margin of safety. Green Dot operates in payments and banking services, and it has scale: filed figures show revenue rose from $1.5 billion in fiscal 2023, the year ended 2023-12-31, to $1.7 billion in fiscal 2024, the year ended 2024-12-31, and $2.0 billion in fiscal 2025, the year ended 2025-12-31. But the bottom line is troubling. Net income was $6.7 million in fiscal 2023, then a $26.7 million loss in fiscal 2024 and a $98.9 million loss in fiscal 2025. In fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $629.0 million and net income was $53.8 million; in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $574.4 million and net loss was $2.1 million. That volatility does not look like a durable moat. At the close on 2026-10-13, price was $12.40 and market cap $706.6 million. FairStock calculations show P/B 0.75, P/E -24.31, FCF yield 11.8%, Piotroski 3/9, Altman Z -0.22, and a Lynch category of TURNAROUND — loss in latest year after earlier profits. The discount to book and $83.0 million trailing free cash flow are attractions, but the weak balance-sheet scores and erratic earnings make this speculative until profits normalize.

In plain English: Green Dot provides prepaid cards, checking accounts and payment services to consumers and businesses. Revenue has been growing, but the company fell to losses in its latest full year and in a recent quarter, so the business looks weak right now. The stock trades below the value of its net assets on the books, which may look inexpensive, but without steady profits it is not clearly a bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer