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Green DotGDOT +0.64%72 Cash-to-Debt is 17.45 as of Jun. 2026, which is 27% below its 10-year median of 24.04. 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 513 Credit Services companies, Green Dot ranks better than 84.6% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Green Dot's cash to debt ratio for the quarter that ended in Jun. 2026 was 17.45.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Green Dotcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Green Dot's Cash-to-Debt or its related term are showing as below:
GDOT'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.91 Med: 24.04 Max: 117.8
Current: 17.45
During the past 13 years, Green Dot's highest Cash to Debt Ratio was 117.80. The lowest was 2.91. And the median was 24.04.
GDOT's Cash-to-Debt is ranked better than 84.6% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs GDOT: 17.45
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Green Dot Cash-to-Debt Related Terms
Green Dot Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Green Dot's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Green Dot's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Green Dot's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Green Dot (GDOT) has a Cash-to-Debt of 17.45 as of Jun. 2026. This is 27% below median its historical median of 24.04. Over the past decade, Green Dot's Cash-to-Debt has ranged from 2.91 to 117.80. According to the industry distribution chart, Green Dot ranks #79 out of 513 companies in the Credit Services industry, placing it in the top 15.4%.
Is Green Dot's Cash-to-Debt too high?
Green Dot's current Cash-to-Debt of 17.45 is 27% below median its 10-year median of 24.04. Over the past 10 years, this metric has ranged from a low of 2.91 to a high of 117.80. The Credit Services industry median Cash-to-Debt is 0.20. Green Dot's value of 17.45 is 8625% above this industry median. Based on the distribution chart, Green Dot ranks #79 out of 513 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Cash-to-Debt compare to PRAA and FINV?
According to the Credit Services industry distribution chart, Green Dot ranks #79 out of 513 companies for Cash-to-Debt. This places Green Dot in the top 15% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 0.20. Green Dot's value of 17.45 is 8625% above this benchmark. Historically, Green Dot's own Cash-to-Debt has ranged from 2.91 to 117.80 over the past decade. While the company's 10-year median is 24.04 vs. the industry median of 0.20, Green Dot has consistently been above 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 513 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Cash-to-Debt of 17.45 is 8625% above 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Cash-to-Debt is 17.45, which is 27% below median its own 10-year median of 24.04. 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 $13.39 — trading 0.2% above its estimated fair value. The current Cash-to-Debt is 17.45, which is 27% below median its 10-year median of 24.04 and 8625% above the Credit Services industry median of 0.20. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Green Dot (GDOT), the current Cash-to-Debt is 17.45 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 overvalued.
The current stock price of $13.39 is trading 0.2% above its estimated GF Value™ of $13.36.
GuruFocus considers Green Dot to be Fairly Valued.
Key valuation signals for GDOT:
Cash-to-Debt: 17.45 (27% below median its 10-year median of 24.04)
GF Value™: $13.36 vs. price of $13.39 (0.2% above fair value)
Industry Position: 8625% above the Credit Services median (#79 of 513)
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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Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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