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Upturn AI SWOT - About
GDOT 
Green Dot Corporation (GDOT)
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Upturn Advisory Summary
08/14/2025: GDOT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $15
1 Year Target Price $15
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -44.19% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 735.62M USD | Price to earnings Ratio - | 1Y Target Price 15 |
Price to earnings Ratio - | 1Y Target Price 15 | ||
Volume (30-day avg) 5 | Beta 0.75 | 52 Weeks Range 6.12 - 14.27 | Updated Date 08/15/2025 |
52 Weeks Range 6.12 - 14.27 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-11 | When - | Estimate 0.3 | Actual 0.4 |
Profitability
Profit Margin -1.25% | Operating Margin (TTM) -11.84% |
Management Effectiveness
Return on Assets (TTM) -0.43% | Return on Equity (TTM) -2.68% |
Valuation
Trailing PE - | Forward PE 23.64 | Enterprise Value -1475264599 | Price to Sales(TTM) 0.38 |
Enterprise Value -1475264599 | Price to Sales(TTM) 0.38 | ||
Enterprise Value to Revenue 0.1 | Enterprise Value to EBITDA -1.72 | Shares Outstanding 55392700 | Shares Floating 44954562 |
Shares Outstanding 55392700 | Shares Floating 44954562 | ||
Percent Insiders 3.8 | Percent Institutions 91.25 |
Upturn AI SWOT
Green Dot Corporation
Company Overview
History and Background
Green Dot Corporation was founded in 1999. Initially focused on providing prepaid debit cards, it evolved into a fintech and bank holding company, offering banking as a service (BaaS) and other financial products. Key milestones include its IPO in 2010 and acquisitions to expand its service offerings.
Core Business Areas
- Retail and Direct-to-Consumer (DTC): Offers reloadable prepaid cards, debit cards, and checking accounts to consumers through retail partners and online channels.
- Banking as a Service (BaaS): Provides platform services to enable companies to offer banking products to their customers.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes departments for technology, finance, operations, and sales, reflecting its dual nature as a tech and financial services company.
Top Products and Market Share
Key Offerings
- Green Dot Prepaid Cards: Reloadable prepaid cards available at retail locations. Competitors include Netspend, PayPal, and major banks. Market share data is proprietary, but Green Dot is a significant player in the prepaid card market. Revenue attributed directly to this is hard to extract as they also use it for the BaaS business
- GO2bank: A mobile banking platform. Market share data is still evolving. Key competitors include Chime, Varo, and other neobanks. Market share data is proprietary, but Green Dot is a significant player in the online bank space. Revenue attributed directly to this is hard to extract as they also use it for the BaaS business
- Banking as a Service (BaaS) platform: Enables other companies to offer banking services to their customers. Competitors include Galileo Financial Technologies and Marqeta. Revenue is a significant portion of Green Dot's business, but exact figure is not publicly reported
Market Dynamics
Industry Overview
The fintech industry is growing rapidly, driven by increasing demand for digital financial services and the rise of e-commerce. BaaS is a particularly hot segment, with many companies seeking to embed financial services into their offerings.
Positioning
Green Dot Corporation is positioned as a provider of both consumer-facing financial products and BaaS solutions. Its competitive advantage lies in its established retail network and its regulatory compliance experience.
Total Addressable Market (TAM)
The TAM for digital banking and BaaS is estimated in the hundreds of billions of dollars. Green Dot is positioned to capture a portion of this market through its retail presence and technology platform.
Upturn SWOT Analysis
Strengths
- Established retail network
- Banking license
- Experienced management team
- Proprietary technology platform
- Strong partnerships
Weaknesses
- Brand image challenges (associated with prepaid cards)
- High customer acquisition costs
- Dependence on retail partners
- Regulatory risks
Opportunities
- Expansion of BaaS offerings
- Growth in the gig economy
- Increasing demand for digital banking
- Strategic acquisitions
- Partnerships with new industries
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- SoFi Technologies (SOFI)
- Block (SQ)
- PayPal Holdings (PYPL)
Competitive Landscape
Green Dot Corporation's advantages include its established retail network and banking license. Disadvantages include its brand image and competition from larger fintech companies.
Major Acquisitions
AccountNow, Inc.
- Year: 2011
- Acquisition Price (USD millions): 42.3
- Strategic Rationale: Acquired AccountNow to expand its prepaid card offerings and customer base.
UniRush Financial
- Year: 2016
- Acquisition Price (USD millions): 147
- Strategic Rationale: Added UniRush Financial and its RushCard prepaid debit card to its portfolio.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by increased adoption of digital banking and expansion of its BaaS platform. However, growth has also been impacted by competition and regulatory changes.
Future Projections: Future growth is projected to be driven by further expansion of its BaaS offerings and increased adoption of digital banking, but growth projections are subject to changing market dynamics. Analyst estimates should be reviewed.
Recent Initiatives: Recent initiatives include investing in its technology platform and expanding its partnerships in the BaaS space. Details are publicly available
Summary
Green Dot Corporation is a fintech company with strengths in its retail network and BaaS platform. However, it faces challenges related to brand image, competition, and regulatory risks. The company's future growth depends on its ability to capitalize on the growing demand for digital banking and expand its BaaS offerings, while navigating competitive and regulatory pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Green Dot Corporation
Exchange NYSE | Headquaters Provo, UT, United States | ||
IPO Launch date 2010-07-22 | Interim CEO & Chairman of the Board Mr. William I. Jacobs J.D. | ||
Sector Financial Services | Industry Credit Services | Full time employees 1150 | Website https://www.greendot.com |
Full time employees 1150 | Website https://www.greendot.com | ||
Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company 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. It 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, the company 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.
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