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ZYBERNO

Stock Report

Updated Sep 1, 2026

GREEN DOT CORP (GDOT)

Financial Services • NYSE

$13.34

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

34.0/100

WEAK BUSINESS

GREEN DOT CORP (GDOT) scores 34/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full GDOT quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

-0.6%

Fairly Valued

Growth gap unavailable — insufficient data for reverse DCF calculation.

⚠ Significant divergence between Owner Earnings and Free Cash Flow (1.05×). Intrinsic Value and Brina Gap are likely overstated — acquisition-related D&A is inflating Owner Earnings. Verify earnings quality before acting.

🎯 Expected Annual Return →

1.6%

Margin of Safety convergence — your return if the market re-prices to intrinsic value (5-yr annualised)

27.6%

Yield + growth — what the business alone earns you, even if the market never re-rates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full GDOT valuation analysis · → View full GDOT Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-2.8%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.00x)

Operating Margin (Operational Efficiency):POOR (3.6%)

Return on Capital (Capital Efficiency):CRITICAL (1.2%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

GREEN DOT CORP (GDOT) stock report — Zyberno Score 34/100 (WEAK BUSINESS), Margin of Safety -0.6%, 2% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, GREEN DOT CORP (GDOT) trades at $13.34 against an estimated intrinsic value per share of $13.26 — a -0.6% Margin of Safety based on Owner Earnings of $57.23M TTM, projected at 1.7% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 1.6% annually.

Over the trailing twelve months, GDOT generated $57.23M in Owner Earnings. Capital was deployed as follows: $1.42B invested in capital expenditures. Reinvestment rate: 1,897.0%. Owner Earnings have grown at 1.7% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:13.34

Market Cap:$757.25M

Valuation Multiples (3)

P/B Ratio:0.81x

P/S Ratio:0.33x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:-$234.94M

Ev Ebitda Ratio:-1.57x

Price Action & Momentum (3)

12-1 Momentum:

-4.2% (67th pctile)

📈 Click to view full GDOT Momentum analysis →

Momentum Percentile:67 / 100

% of 52-Week High:86.6%

B. Profitability Assessment

Return Metrics (5)

ROE:

-2.8%

📊 Click to view full GDOT ROE analysis →

ROA:-0.4%

Roic:

1.2%

📊 Click to view full GDOT ROIC analysis →

Reinvestment Rate:1,897.0%

Fundamental Growth Rate (g):23.1%

Margin Analysis (3)

Operating Margin Ttm:3.6%

Net Margin Ttm:-1.1%

Ebitda Margin:6.6%

TTM Performance (2)

Operating Margin Ttm:3.6%

Net Margin Ttm:-1.1%

Yield Metrics (3)

Earnings Yield:-$999.00

Owner Earnings Yield:$7.56

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):16.9%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):95.6%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):11.4%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):38.7%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.45x

Quick Ratio:0.45x

Cash Ratio:0.22x

Leverage Analysis (3)

Debt To Equity Ttm:0.00x

Debt-to-Equity Ratio:0.00x

Debt To Ebitda:1.01x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:-2,870,247,000.00

Cash And Cash Equivalents:1,143,395,000.00

Long Term Debt:$1.42M

Net Debt:-$992.18M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $2.27B

Linear Growth: 16.9%

📊 Click to view full GDOT Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00

Operating income TTM: $81.94M

Linear Growth: 38.7%

📊 Click to view full GDOT Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$25.95M

Linear Growth: 95.6%

📊 Click to view full GDOT Net Income analysis & methodology →

Income Before Tax:$19.14M

Ebitda Ttm:149,608,000.00

Operating Expenses (5)

Operating Expenses:2,261,779,000.00

R And D Expense:0.00

Sga Expense:206,718,000.00

Income Tax Expense:$23.23M

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:34.7%

Ebitda Margin:6.6%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$6.19B

Current Assets:$2.32B

Ppe Net:200,197,000.00

Goodwill:39,474,000.00

Intangible Assets:$72.61M

Liability Structure (4)

Total Liabilities:5,252,654,000.00

Current Liabilities:5,187,367,000.00

Long Term Debt:$1.42M

Short Term Debt:$149.80M

Equity & Capital (3)

Equity:$939.40M

Retained Earnings:$696.40M

Common Stock:100,000,000.00

Working Capital Items (3)

Accounts Receivable:137,754,000.00

Inventory:0.00

Accounts Payable:59,042,000.00

Special Items (2)

Contract Liabilities:4,307,000.00

Stock Based Compensation:3,300,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $124.90M

Linear Growth: 11.4%

-$1.30B

Investment Activities (2)

Investing Cash Flow:-$566.60M

Capital Expenditures Ttm:1,421,201,000.00

Financing Activities (3)

Financing Cash Flow:$696.22M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:67,672,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (1)

Earnings Per Share Ttm:-$0.46

Revenue & Cash Per Share (2)

Sales Per Share Ttm:39.98

Operating Cash Flow Per Share:$2.44

Book Value & Capital (2)

Book Value Per Share:$16.55

Cash Per Share:20.14

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.37x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:16.48x

Days Sales Outstanding Ttm:22.15

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:9.50

Cash Conversion Cycle:-986.34

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:40.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $57.23M

Linear Growth: 1.7%

📊 Click to view full GDOT Owner Earnings analysis & methodology →

Owner Earnings Per Share:$1.01

Owner Earnings Yield:$7.56

Growth Assessment (1)

Owner Earnings Growth Rate:$1.72

Damodaran Growth Analysis (2)

Reinvestment Rate:1,897.0%

Fundamental Growth Rate (g):23.1%

Intrinsic Value Models (1)

Intrinsic Value:

$752.89M

📊 Click to view full GDOT DCF valuation →

Margin of Safety (1)

Margin Of Safety:

-0.6%

📊 Click to view full GDOT valuation analysis →

Return Scenarios (2)

Theoretical 5-Year Return:

1.6%

📊 Click to view full GDOT expected return analysis →

Forward Expected Return (Yield + Growth):

27.6%

📊 Click to view full GDOT expected return analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):16.9%

Net Income Growth Rate (Linear):95.6%

Operating Income Growth Rate (Linear):38.7%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):11.4%

Other Growth Rates (2)

Book Value Growth Rate (Linear):1.7%

Owner Earnings Growth Rate:$1.72

C. Company Profile & Context

Corporate Information (6)

Symbol:GDOT

Company Name:GREEN DOT CORP

Sector:Financial Services

Industry:Finance Services

Exchange:NYSE

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:56.77M

Shares Outstanding Basic:56.77M

Shares Outstanding Diluted:56.77M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-01 12:58:40 UTC

Data Timestamp:2026-09-01T12:58:40.121374