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Upturn AI SWOT - About
GDOT 
Green Dot Corporation (GDOT)
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Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $12.25
1 Year Target Price $12.25
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -40.55% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 591.72M USD | Price to earnings Ratio - | 1Y Target Price 12.25 |
Price to earnings Ratio - | 1Y Target Price 12.25 | ||
Volume (30-day avg) 5 | Beta 0.72 | 52 Weeks Range 6.12 - 13.58 | Updated Date 06/30/2025 |
52 Weeks Range 6.12 - 13.58 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.31% | Operating Margin (TTM) 6.55% |
Management Effectiveness
Return on Assets (TTM) -0.1% | Return on Equity (TTM) -0.63% |
Valuation
Trailing PE - | Forward PE 23.64 | Enterprise Value -1210867434 | Price to Sales(TTM) 0.32 |
Enterprise Value -1210867434 | Price to Sales(TTM) 0.32 | ||
Enterprise Value to Revenue 0.1 | Enterprise Value to EBITDA -1.72 | Shares Outstanding 54890800 | Shares Floating 44402782 |
Shares Outstanding 54890800 | Shares Floating 44402782 | ||
Percent Insiders 3.91 | Percent Institutions 86.33 |
Analyst Ratings
Rating 3 | Target Price 12.25 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 2 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Green Dot Corporation
Company Overview
History and Background
Green Dot Corporation was founded in 1999 and initially focused on prepaid debit cards. It has evolved into a fintech and bank holding company, offering banking and payment solutions.
Core Business Areas
- Retail Segment: Offers prepaid debit cards, checking accounts, and money processing services through retail partners like Walmart and Walgreens.
- Direct-to-Consumer Segment: Provides online banking and mobile banking services through its own platform, Go2bank, and Green Dot Bank.
- BaaS (Banking as a Service) Segment: Offers platform services to enable other companies to offer banking and payment solutions to their customers.
Leadership and Structure
The company is led by a CEO, with a typical corporate structure including a board of directors and various executive vice presidents overseeing different business units.
Top Products and Market Share
Key Offerings
- Green Dot Prepaid Cards: Prepaid debit cards available at major retailers. The competitors include Netspend, and Bluebird by American Express. Market share data is dynamic; estimates suggest single to double-digit percent market share within the prepaid debit card market segment. Revenue generated is significant but not publicly itemized.
- Go2bank: Mobile banking platform offering checking accounts and other financial services. The competitors are Chime, Varo and Current. User base is growing, but exact market share is not publicly reported.
- BaaS Platform: Enables companies to offer banking services, competing with other BaaS providers like Marqeta and Galileo. Revenue from this segment is a key growth driver.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth driven by increasing adoption of digital payments and banking solutions. The industry is competitive with many players.
Positioning
Green Dot is positioned as a fintech company focusing on accessible and affordable banking solutions for underserved consumers and provides Banking as a Service solutions.
Total Addressable Market (TAM)
The total addressable market for digital payments and banking services is estimated to be in the hundreds of billions of dollars. Green Dot is positioned to capture a portion of this TAM through its retail partnerships, direct-to-consumer offerings, and BaaS platform.
Upturn SWOT Analysis
Strengths
- Established retail partnerships
- Banking as a Service platform
- Direct-to-consumer offerings
- Brand recognition in the prepaid market
Weaknesses
- Dependence on retail partners
- Competition from larger fintech companies
- Customer acquisition costs
- Regulatory scrutiny
Opportunities
- Expanding BaaS partnerships
- Increasing adoption of digital banking
- New product development
- Geographic expansion
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PYPL
- SQ
- COIN
Competitive Landscape
Green Dot faces competition from larger fintech companies with more resources and broader product offerings. Green Dot's advantage lies in its retail partnerships and focus on underserved consumers.
Major Acquisitions
AccountNow
- Year: 2011
- Acquisition Price (USD millions): 41.7
- Strategic Rationale: Expanded Green Dot's reach into the prepaid debit card market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been mixed, with periods of rapid growth followed by periods of slower growth or decline. Growth driven by BaaS segment and challenged by retail trends.
Future Projections: Analyst projections vary, but generally anticipate continued growth in the BaaS segment and potential for growth in direct-to-consumer offerings.
Recent Initiatives: Recent initiatives include expanding BaaS partnerships, enhancing its Go2bank platform, and focusing on cost optimization.
Summary
Green Dot Corporation is a fintech and bank holding company focused on providing accessible banking solutions. It benefits from its retail partnerships and Banking as a Service platform. However, it faces intense competition and regulatory risks. Its strength lies in serving underserved consumers, but it must innovate to stay ahead of larger competitors and adapt to changing consumer preferences.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Analysis Reports
- Analyst Estimates
- News Articles
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is 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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