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Green DotGDOT +1.45%72 3-Year Book Growth Rate is 1.90% as of Jun. 2026, which is 76% below its 10-year median of 8.00. GuruFocus rates GDOT with a GF Score™ of 72/100 and a GF Value™ of $13.36 (Fairly Valued). The stock has 7 warning signs investors should review. Among 514 Credit Services companies, Green Dot ranks worse than 65.76% on this metric.
During the past 12 months, Green Dot's average Book Value per Share Growth Rate was -0.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 1.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -3.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 1.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Green Dot was 223.90% per year. The lowest was -6.20% per year. And the median was 8.00% per year.
Green Dot (NYSE:GDOT) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Green Dot 3-Year Book Growth Rate Related Terms
GDOT vs PRAA, FINV, WRLD: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Green Dot's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Green Dot 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Green Dot's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 1.90% mean?
Green Dot (GDOT) has a 3-Year Book Growth Rate of 1.90% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Green Dot and its competitors. This is 76% below median its historical median of 8.00. According to the industry distribution chart, Green Dot ranks #338 out of 514 companies in the Credit Services industry, placing it in the top 65.8%.
Is Green Dot's 3-Year Book Growth Rate too high?
Green Dot's current 3-Year Book Growth Rate of 1.90% is 76% below median its 10-year median of 8.00. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Green Dot's value of 1.90% is 68.3% below this industry median. Based on the distribution chart, Green Dot ranks #338 out of 514 companies in the Credit Services industry, which is below the industry midpoint. Overall, Green Dot has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Green Dot's 3-Year Book Growth Rate compare to PRAA and FINV?
According to the Credit Services industry distribution chart, Green Dot ranks #338 out of 514 companies for 3-Year Book Growth Rate. This places Green Dot in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Green Dot's value of 1.90% is 68.3% below this benchmark. While the company's 10-year median is 8.00 vs. the industry median of 6.00, Green Dot has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current 3-Year Book Growth Rate of 1.90% is 68.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Green Dot and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current 3-Year Book Growth Rate is 1.90%, which is 76% below median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Green Dot stock overvalued right now?
Based on GuruFocus' analysis, Green Dot (GDOT) is currently considered Fairly Valued. The stock's GF Value™ is $13.36, compared to a current price of $13.30 — trading 0.4% below its estimated fair value. The current 3-Year Book Growth Rate is 1.90%, which is 76% below median its 10-year median of 8.00 and 68.3% below the Credit Services industry median of 6.00. Green Dot's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Green Dot (GDOT), the current 3-Year Book Growth Rate is 1.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Green Dot (GDOT) Overvalued in 2026?
Based on GuruFocus' analysis, Green Dot stock appears to be undervalued.
The current stock price of $13.30 is trading 0.4% below its estimated GF Value™ of $13.36.
GuruFocus considers Green Dot to be Fairly Valued.
Key valuation signals for GDOT:
3-Year Book Growth Rate: 1.90% (76% below median its 10-year median of 8.00)
GF Value™: $13.36 vs. price of $13.30 (0.4% below fair value)
Industry Position: 68.3% below the Credit Services median (#338 of 514)
No single metric tells the full story. See the GDOT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Green Dot Corp is a financial technology company that provides financial services for consumers in the United States without good banking options. It has three segments Consumer Services, Business to Business Services(B2B), and Money Movement Services. The company generates maximum revenue from B2B segment. Its B2B Services segment consists of revenues and expenses derived from (i) its partnerships with prominent consumer and technology companies that make banking products and services available to their consumers, partners and workforce through integration with its banking platform (the "Banking-as-a-Service", or "BaaS channel"), and (ii) a comprehensive payroll platform that it offers to corporate enterprises (the "Employer channel") to facilitate payments for todays workforce.
72GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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