Green Dot Corporation (GDOT) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+319.2%

$51.77

vs $12.35 price

Levered DCF

$67.58

After debt service

Piotroski score

3 / 9

Weak

Altman Z-score

0.07

Distress zone

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	-7.16×	-21.28×	76.15×	13.18×	41.66×	129.77×	12.2×	35.03×
P/B	0.79×	0.65×	0.6×	1.08×	1.83×	2.9×	1.31×	4.56×
P/S	0.34×	0.33×	0.34×	0.58×	1.37×	2.33×	1.1×	3.9×
EV / EBITDA	-4.62×	-12.43×	-0.95×	0.42×	4.32×	12.64×	1.09×	15.84×
Gross margin	24.5%	33.6%	41.3%	49.9%	54.4%	57.9%	64.0%	61.7%
Operating margin	2.7%	-0.1%	1.5%	6.5%	4.6%	2.4%	11.1%	12.2%
Net margin	-4.8%	-1.5%	0.4%	4.4%	3.3%	1.8%	9.0%	11.1%
Current ratio	0.52×	0.54×	0.41×	0.37×	0.5×	0.78×	1×	1.03×
Debt / equity	0.07×	0.07×	0.08×	0.06×	0.01×	0.02×	0.07×	0.06×
Interest coverage	8.97×	-0.3×	0×	370.1×	443.16×	39.52×	0×	25.85×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	-11.1%	-3.1%	0.8%	8.2%	4.4%	2.3%	10.8%	13.0%
Return on invested capital	5.8%	-0.2%	1.1%	8.7%	4.5%	2.4%	9.9%	12.4%
Return on assets	-1.7%	-0.5%	0.1%	1.3%	1.0%	0.6%	4.1%	5.2%
Free cash flow yield	9.4%	1.2%	4.2%	22.9%	5.6%	5.1%	9.2%	4.6%
Earnings yield	-14.0%	-4.7%	1.3%	7.6%	2.4%	0.8%	8.2%	2.9%
Enterprise value	-$650.4M	-$963.3M	-$97.9M	$73.5M	$652.3M	$1.5B	$221.3M	$3.1B
Net debt / EBITDA	-9.64×	-19.77×	-6×	-4.41×	-8.65×	-12.71×	-4.9×	-5.27×
Cash conversion cycle (days)	8	-15	-33	-46	-13	-11	-23	-24