Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
GDOT 
Green Dot Corporation (GDOT)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/14/2025: GDOT (1-star) is currently NOT-A-BUY. Pass it for now.
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 $18
1 Year Target Price $18
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -48.08% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 694.07M USD | Price to earnings Ratio - | 1Y Target Price 18 |
Price to earnings Ratio - | 1Y Target Price 18 | ||
Volume (30-day avg) 5 | Beta 0.78 | 52 Weeks Range 6.12 - 15.41 | Updated Date 10/14/2025 |
52 Weeks Range 6.12 - 15.41 | Updated Date 10/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.45 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1.25% | Operating Margin (TTM) 2.72% |
Management Effectiveness
Return on Assets (TTM) -0.43% | Return on Equity (TTM) -2.68% |
Valuation
Trailing PE - | Forward PE 23.64 | Enterprise Value -1514039492 | Price to Sales(TTM) 0.36 |
Enterprise Value -1514039492 | Price to Sales(TTM) 0.36 | ||
Enterprise Value to Revenue 0.1 | Enterprise Value to EBITDA -1.72 | Shares Outstanding 55392705 | Shares Floating 44639319 |
Shares Outstanding 55392705 | Shares Floating 44639319 | ||
Percent Insiders 3.8 | Percent Institutions 90.55 |
Upturn AI SWOT
Green Dot Corporation
Company Overview
History and Background
Green Dot Corporation, founded in 1999, initially focused on providing prepaid debit cards. It evolved into a financial technology and bank holding company, offering a range of banking and payment solutions.
Core Business Areas
- Retail as a Service (RaaS): Provides technology and banking solutions to retailers, allowing them to offer financial products under their own brands.
- Direct-to-Consumer (DTC): Offers Green Dot-branded banking and payment products directly to consumers, including prepaid cards, debit cards, and mobile banking services.
- Banking as a Service (BaaS): Offers banking and payment infrastructure for partners.
Leadership and Structure
Green Dot is led by a CEO, supported by a management team overseeing various functional areas. The company has a board of directors responsible for governance and strategic oversight.
Top Products and Market Share
Key Offerings
- Green Dot Prepaid Cards: Prepaid debit cards usable anywhere Visa or Mastercard are accepted. Green Dot does not report distinct market share figures for prepaid cards only; the prepaid card industry is fragmented with many players, but Green Dot is a major player. Competitors include Netspend and major banks' prepaid offerings.
- Go2bank: A mobile banking platform providing checking accounts, debit cards, and other banking services. The number of users and revenue from Go2bank are not publicly broken out. Competitors include Chime, Varo, and other neobanks.
- Banking as a Service (BaaS) Platform: Enables partners like Walmart and Uber to offer financial services to their customers. Revenue figures specifically attributable to the BaaS platform are not publicly disaggregated.
Market Dynamics
Industry Overview
The financial technology industry is experiencing rapid growth, driven by increasing demand for digital banking and payment solutions. Competition is intense, with both established players and new entrants vying for market share.
Positioning
Green Dot is positioned as a provider of accessible and affordable banking and payment solutions for underserved consumers. Its competitive advantage lies in its established retail network, BaaS platform, and brand recognition.
Total Addressable Market (TAM)
The total addressable market for digital banking and payments is estimated to be in the hundreds of billions of dollars. Green Dot is positioned to capture a portion of this TAM through its diverse product offerings and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Established retail network
- Strong brand recognition
- Diverse product offerings
- Proprietary technology platform
- Strategic partnerships
Weaknesses
- Reliance on retail partners
- Intense competition
- Regulatory scrutiny
- Relatively lower customer lifetime value compared to traditional banks
Opportunities
- Expanding digital banking services
- Growing demand for BaaS solutions
- Partnerships with new retailers and fintech companies
- Geographic expansion
Threats
- Increased competition from traditional banks and fintech companies
- Changes in regulations
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- COF
Competitive Landscape
Green Dot faces intense competition from both established players and new entrants. Its advantages include its established retail network and BaaS platform, while its disadvantages include its reliance on retail partners and relatively lower customer lifetime value.
Growth Trajectory and Initiatives
Historical Growth: Unable to populate without specific financial data as requested
Future Projections: Unable to populate without specific financial data as requested
Recent Initiatives: Recent initiatives include expanding its Go2bank platform, strengthening its partnerships in the retail and gig economy sectors, and enhancing its technology infrastructure.
Summary
Green Dot is a fintech company providing accessible banking and payment solutions, primarily focusing on underserved consumers. Its strengths include its established retail network, BaaS platform, and brand recognition. However, Green Dot faces intense competition from traditional banks and fintech companies and needs to proactively manage regulatory scrutiny. Expanding digital banking services and strategic partnerships are key opportunities for future growth and market share.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimates and may vary.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.