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Stock Ratings / Financials / GDOT / financials
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Green Dot Corporation $0.001 par value (Class A) (GDOT) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$12.29 -0.08% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $12.26

Green Dot Corporation $0.001 par value (Class A) (GDOT) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $700.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GDOT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Green Dot Corporation $0.001 par value (Class A) (NYSE: GDOT) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $12.29 (-0.08% 1D, market cap $700.9M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, GDOT ranks #510 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GDOT compare to LU and FINV in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), GDOT carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 30.6%. By comparison, LU (Lufax Holding Ltd (each representing twenty (20) )) holds a D grade (44/100 RQD, P/E N/A, ROIC —, cap $715.9M) and FINV (FinVolution Group) posts a D grade (47/100 RQD, P/E N/A, ROIC 15.4%, cap $668.1M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while GDOT leads on capital efficiency (30.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GDOT?
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Per GDOT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001386278), Green Dot Corporation $0.001 par value (Class A) generated $1.99B in revenue (+19.8% YoY), -$98.9M in net income, and $66.0M in free cash flow against $5.99B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $12.27 (-0.20%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 3.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510056
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk D-
Cash (18)Whales (8)SEC (8)Macro (8)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE-0.9% Base Target
$14 Bull$12 Base$10 Bear
📬 FREE GDOT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GDOT)Realized 20D OHLCV Swing Band: ±3.7%
Deterministic 5-Pillar Attribution (56/100 Composite)
🔍 WHY GDOT SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (32% of score)

SEC XBRL FY 2025 (10-K): 3.3% FCF Margin ($66.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (45.3) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
64
Grade C+$12.40-1.7% Next Q
Q2 (-2Q)
61
Grade C$12.19-0.8% Next Q
Q3 (-1Q)
59
Grade C$12.09+1.7% Next Q
Current
56
Grade D+$12.29-0.4% Hist 90D α
Trajectory: C+ (64) → D+ (56)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GDOT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, GDOT faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($12.73) or 200D SMA ($12.52) invalidates the momentum regime and cuts Target Base ($12.18) toward Bear Floor ($9.50).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GDOT• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “GDOT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 56%NO 44%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How GDOT Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$66.0M (3.3% FCF Margin)
Revenue$1.99BGross Profit $1.04B (52%)Cost of Sales $955.5MOp Profit $13.7M (0.7%)OpEx (R&D/SG&A) $1.02BNet Profit$0 (0%)Tax/Other $13.7M

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $1.46B
FY24
Rev $1.66B
FY25
Rev $1.99B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$1.99B52%0.7%-$98.9M$66.0M95%
FY 2024$1.66B52%-0.1%-$26.7M$7.1M-45%
FY 2023$1.46B52%1.5%$6.7M$97.5M30.6%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring GDOT)

  • ✓Walkthrough of GDOT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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GDOT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.76%📐 HORIZONTAL RANGE
2026-11-03O $12.39H $12.39L $12.29C $12.29VOL 262.9K
RES: $13.43SUP: $11.34SMA50: $12.73SMA200: $12.52
$13.88$13.26$12.63$12.01$11.39RES $13.43SUP $11.34$12.292026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GDOT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GDOT Butterfly Map → + Track GDOT →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-11.1%/yr Implied 5Y Growth

vs. +19.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on GDOT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GDOT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for GDOT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GDOT)

Financials Rank #510 of 1097 ⚔️ LU vs GDOT Full Matrix →

1. Head-to-Head Financials Peer Comparison (GDOT vs. LU, FINV, CD, CGBD)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Green Dot Corporation $0.001 par value (Class A) (GDOT) ranks #510 by composite RQD confidence (56/100, grade D+) and #621 by equity capitalization ($700.9M). Within this direct 5-issuer industry benchmark cohort, CGBD leads on earnings valuation at 10.6x trailing P/E, while GDOT leads on capital efficiency and profitability with 30.6% ROIC and — gross margin. GDOT currently leads its immediate peer cohort in composite quantitative strength at 56/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
GDOT ACTIVE
Green Dot Corporation $0.001 par value (Class A)
D+ 56/100 — — 30.6% -0.08% $700.9M Benchmark Subject
LU
Lufax Holding Ltd (each representing twenty (20) )
D 44/100 — — — +0.97% $715.9M /lu-vs-gdot →
FINV
FinVolution Group
D 47/100 — — 15.4% +3.89% $668.1M /finv-vs-gdot →
CD
Chaince Digital Holdings Inc.
D- 38/100 — — -7.2% -14.14% $739.2M /cd-vs-gdot →
CGBD
Carlyle Secured Lending Inc.
D- 38/100 10.6x — 6.0% +1.86% $741.7M /cgbd-vs-gdot →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001386278 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Green Dot Corporation $0.001 par value (Class A) (GDOT) reported GAAP revenue of $1.99B (+19.8% vs. FY2024 revenue of $1.66B , and +36.0% cumulative change since FY2023) , GAAP net income of -$98.9M, operating cash flow of $138.6M, and free cash flow of $66.0M (+830.3% YoY). On the balance sheet, GDOT closed FY2025 with $5.99B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.99B -$98.9M $138.6M $66.0M $5.99B —
FY2024 (FY) 2024-12-31 $1.66B -$26.7M $81.4M $7.1M $5.43B —
FY2023 (FY) 2023-12-31 $1.46B $6.7M $97.5M $97.5M — —

3. GDOT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GDOT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Green Dot Corporation $0.001 par value (Class A) (NYSE: GDOT) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $12.29 (-0.08% 1D, market cap $700.9M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, GDOT ranks #510 in composite RQD confidence.

How does GDOT compare to LU and FINV in the Financials sector?

Within the Financials sector (Finance: Consumer Services), GDOT carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 30.6%. By comparison, LU (Lufax Holding Ltd (each representing twenty (20) )) holds a D grade (44/100 RQD, P/E N/A, ROIC —, cap $715.9M) and FINV (FinVolution Group) posts a D grade (47/100 RQD, P/E N/A, ROIC 15.4%, cap $668.1M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while GDOT leads on capital efficiency (30.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for GDOT?

Per GDOT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001386278), Green Dot Corporation $0.001 par value (Class A) generated $1.99B in revenue (+19.8% YoY), -$98.9M in net income, and $66.0M in free cash flow against $5.99B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is GDOT trading relative to its 50-day, 200-day, and 52-week technical levels?

GDOT last traded at $12.29 (-0.08% on volume of 391,486 shares), positioning the stock -3.46% below its 50-day simple moving average ($12.73) and -1.84% below its 200-day simple moving average ($12.52). Across its 52-week range of $10.10 to $13.75, GDOT sits at the 60.0% percentile with a 14-day RSI of 45.3 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($11.84 to $12.74).

Direct Sub-Reports: GDOT RQD Cockpit GDOT 12M Forecast GDOT Earnings & Move GDOT Dividends & DRIP GDOT Insiders & 13F GDOT Whale Options GDOT Profit Sankey GDOT News & Why
ROARABLE RATING BRIEF • RQD 56/100 (D+) ✓ SEC XBRL & RQD VERIFIED

GDOT — Green Dot Corporation $0.001 par value (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Green Dot Corporation $0.001 par value (Class A) (GDOT) earns a live Roarable RQD composite score of 56/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $12.29 (-0.08% 1D, market capitalization $700.9M).

  • Fundamental Cash Engine (18/20): Anchored by return on invested capital (ROIC) of 30.6%, gross margin of —, operating margin of 0.7%, and free cash flow yield of 9.35%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (8/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Green Dot Corporation is a NYSE-listed issuer classified under the Financials sector and the Finance: Consumer Services industry,. The company reported FY 2025 revenue of $1.99B, indicating a sizable consumer-facing revenue base. Market capitalization is $0.7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Green Dot Corporation $0.001 par value (Class A) (GDOT) reported $1.99B in annual revenue (up from $1.66B in FY2024, +19.8% YoY) and -$98.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.46B revenue, $6.7M net income) through FY2025, GDOT scaled operating cash flow to $138.6M and free cash flow to $66.0M, backed by $5.99B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 56/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 18/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $10.10 – $13.75 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh current valuation and 4.7x EV/EBITDA against 0.7% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector is Financials and industry is Finance: Consumer Services. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not identified in the source data.

  • Key Question #1: Can GDOT sustain or expand its 0.7% operating margin and 30.6% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.99B and free cash flow of $66.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is GDOT's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

GDOT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Green Dot Corporation $0.001 par value (Class A) (GDOT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to GDOT Debate Forum (3) ↓
🟡 MARKET WIRE Yahoo Finance • 84d ago
Green Dot Reports Second Quarter 2026 Results

PROVO, Utah, August 10, 2026--Green Dot Corporation (NYSE: GDOT) ("Green Dot"), a financial technology and bank holding company that delivers seamless banking and payments solutions to consumers and businesses of all siz

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

GDOT Bull vs. Bear Conversation Board — What's Your Call at $12.29?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON GDOT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on GDOT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $15.87 (+29.0%)
📌 Pinned Debate

Cash engine scores 18/20 with ROIC of 30.6% and FCF yield of 9.35%, the strongest pillar in the rating.

The street is overcomplicating Green Dot Corporation $0.001 par value (Class A) (GDOT). Cash engine scores 18/20 with ROIC of 30.6% and FCF yield of 9.35%, the strongest pillar in the rating.. With an RQD score of 56/100 (D+) and Forensic Balance Sheet at 8/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $13.28.

EarningsSniper 🐂 BULL

@BearTrap_Alert Shorting a 8/20 institutional whale-flow stock at $12.30 is dangerous when funds are rotating into Financials.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $9.23 (-25.0%)
Spot @ $12.30

Net income was negative in FY 2025 and FY 2024 and the rating scores the balance sheet and macro fit at 8/20 each.

I respect the product at Green Dot Corporation $0.001 par value (Class A), but the stock at $12.30 is a different story. Net income was negative in FY 2025 and FY 2024 and the rating scores the balance sheet and macro fit at 8/20 each.. FCF yield is 9.35% and RQD sits at 56/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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