Green DotGDOT +2.58%70 Current Ratio is 0.50 as of Mar. 2026, which is 35% below its 10-year median of 0.77. GuruFocus rates GDOT with a GF Score™ of 70/100 and a GF Value™ of $12.93 (Fairly Valued). The stock has 7 warning signs investors should review. Among 394 Credit Services companies, Green Dot ranks worse than 96.45% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Green Dot's current ratio for the quarter that ended in Mar. 2026 was 0.50.
Green Dot has a current ratio of 0.50. It indicates that the company may have difficulty meeting its current obligations. Low values, however, do not indicate a critical problem. If Green Dot has good long-term prospects, it may be able to borrow against those prospects to meet current obligations.
The historical rank and industry rank for Green Dot's Current Ratio or its related term are showing as below:
GDOT'
s Current Ratio Range Over the Past 10 Years
Min: 0.35 Med: 0.77 Max: 1.07
Current: 0.5
During the past 13 years, Green Dot's highest Current Ratio was 1.07. The lowest was 0.35. And the median was 0.77.
GDOT's Current Ratio is ranked worse than 96.45% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs GDOT: 0.50
Green Dot (NYSE:GDOT) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Green Dot Current Ratio Related Terms
Green Dot Current Ratio Historical Data
* Premium members only.
The historical data trend for Green Dot's Current Ratio 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.
GDOT vs OPFI, WRLD, NAVI: Current Ratio Comparison
For the Credit Services subindustry, Green Dot's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Current Ratio distribution charts can be found below:
* The bar in red indicates where Green Dot's Current Ratio 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 Current Ratio of 0.50 as of Mar. 2026. This is 35% below median its historical median of 0.77. Over the past decade, Green Dot's Current Ratio has ranged from 0.35 to 1.07. According to the industry distribution chart, Green Dot ranks #380 out of 394 companies in the Credit Services industry, placing it in the top 96.4%.
Is Green Dot's Current Ratio too high?
Green Dot's current Current Ratio of 0.50 is 35% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.07. The Credit Services industry median Current Ratio is 5.06. Green Dot's value of 0.50 is 90.1% below this industry median. Based on the distribution chart, Green Dot ranks #380 out of 394 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Green Dot has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Green Dot's Current Ratio compare to OPFI and WRLD?
According to the Credit Services industry distribution chart, Green Dot ranks #380 out of 394 companies for Current Ratio. This places Green Dot in the lower half of its industry. The industry median Current Ratio is 5.06. Green Dot's value of 0.50 is 90.1% below this benchmark. Historically, Green Dot's own Current Ratio has ranged from 0.35 to 1.07 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 5.06, 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Current Ratio of 0.50 is 90.1% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Current Ratio is 0.50, which is 35% below median its own 10-year median of 0.77. 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 $12.93, compared to a current price of $13.54 — trading 4.7% above its estimated fair value. The current Current Ratio is 0.50, which is 35% below median its 10-year median of 0.77 and 90.1% below the Credit Services industry median of 5.06. Green Dot's overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Green Dot (GDOT), the current Current Ratio is 0.50 as of Mar. 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 $13.54 is trading 4.7% above its estimated GF Value™ of $12.93.
GuruFocus considers Green Dot to be Fairly Valued.
Key valuation signals for GDOT:
Current Ratio: 0.50 (35% below median its 10-year median of 0.77)
GF Value™: $12.93 vs. price of $13.54 (4.7% above fair value)
Industry Position: 90.1% below the Credit Services median (#380 of 394)
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.
70GF Score
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