Green Dot Corp. (GDOT) intrinsic value & 10-year financials
Green Dot Corp. (GDOT) has a Graham intrinsic value of $2.71 per share. At $12.20 on Oct 17, 2026, the stock trades 350% above that value. Over the last 10 fiscal years revenue grew 12.0% a year to $2.0B, with an average return on invested capital of -12.4%.
- Graham intrinsic value
- $2.71
- Share price (Oct 17, 2026)
- $12.20
- Price vs Graham value
- 350% above
- Market cap
- $672.2M
- Revenue (FY2025)
- $2.0B
- Revenue growth (10-yr CAGR)
- 12.0%
- ROIC (10-yr avg)
- -12.4%
- Free cash flow (FY2025)
- $66.0M
GDOT 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $2.0B | -$98.9M | — | $66.0M | 0.7% | -2.2% |
| FY2024 | $1.7B | -$26.7M | — | $7.1M | -0.1% | 0.6% |
| FY2023 | $1.5B | $6.7M | — | $21.6M | 1.5% | 14.9% |
| FY2022 | $1.4B | $64.2M | — | $193.4M | 6.7% | -53.4% |
| FY2021 | $1.4B | $47.5M | — | $105.1M | 4.7% | -14.0% |
| FY2020 | $1.2B | $23.1M | — | $150.1M | 2.4% | -8.6% |
| FY2019 | $1.1B | $99.9M | — | $111.7M | 11.4% | -90.9% |
| FY2018 | $1.0B | $118.7M | — | $190.0M | 10.2% | 12.2% |
| FY2017 | $890.2M | $85.9M | — | $174.2M | 11.0% | 11.3% |
| FY2016 | $718.8M | $41.6M | — | $68.2M | 8.8% | 6.3% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
GREEN DOT CORP is a consistent compounder, expanding top-line revenue at 12.0% annually over the past decade.
GREEN DOT CORP has historically struggled to out-earn its cost of capital, averaging just -12.4% ROIC.
GREEN DOT CORP has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, GREEN DOT CORP is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $2.71 per share.