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Green DotGDOT +1.67%71 Equity-to-Asset is 0.14 as of Mar. 2026, which is 44% below its 10-year median of 0.25. GuruFocus rates GDOT with a GF Score™ of 71/100 and a GF Value™ of $12.99 (Fairly Valued). The stock has 7 warning signs investors should review. Among 548 Credit Services companies, Green Dot ranks worse than 81.93% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Green Dot's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $941 Mil. Green Dot's Total Assets for the quarter that ended in Mar. 2026 was $6,651 Mil.
Therefore, Green Dot's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.14.
The historical rank and industry rank for Green Dot's Equity-to-Asset or its related term are showing as below:
GDOT'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.14 Med: 0.25 Max: 0.44
Current: 0.14
During the past 13 years, the highest Equity to Asset Ratio of Green Dot was 0.44. The lowest was 0.14. And the median was 0.25.
GDOT's Equity-to-Asset is ranked worse than 81.93% of 548
companies
in the Credit Services industry
Industry Median: 0.4
vs GDOT: 0.14
Green Dot (NYSE:GDOT) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Green Dot Equity-to-Asset Related Terms
Green Dot Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Green Dot's Equity-to-Asset 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, NAVI, PRAA: Equity-to-Asset Comparison
For the Credit Services subindustry, Green Dot's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Green Dot's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Green Dot's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Green Dot and its competitors. This is 44% below median its historical median of 0.25. Over the past decade, Green Dot's Equity-to-Asset has ranged from 0.14 to 0.44. According to the industry distribution chart, Green Dot ranks #449 out of 548 companies in the Credit Services industry, placing it in the top 81.9%.
Is Green Dot's Equity-to-Asset too high?
Green Dot's current Equity-to-Asset of 0.14 is 44% below median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.44. The Credit Services industry median Equity-to-Asset is 0.40. Green Dot's value of 0.14 is 65% below this industry median. Based on the distribution chart, Green Dot ranks #449 out of 548 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Green Dot has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Green Dot's Equity-to-Asset compare to OPFI and NAVI?
According to the Credit Services industry distribution chart, Green Dot ranks #449 out of 548 companies for Equity-to-Asset. This places Green Dot in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Green Dot's value of 0.14 is 65% below this benchmark. Historically, Green Dot's own Equity-to-Asset has ranged from 0.14 to 0.44 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Equity-to-Asset of 0.14 is 65% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Green Dot and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Equity-to-Asset is 0.14, which is 44% below median its own 10-year median of 0.25. 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 $12.99, compared to a current price of $13.38 — trading 3% above its estimated fair value. The current Equity-to-Asset is 0.14, which is 44% below median its 10-year median of 0.25 and 65% below the Credit Services industry median of 0.40. Green Dot's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Green Dot (GDOT), the current Equity-to-Asset is 0.14 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 $13.38 is trading 3% above its estimated GF Value™ of $12.99.
GuruFocus considers Green Dot to be Fairly Valued.
Key valuation signals for GDOT:
Equity-to-Asset: 0.14 (44% below median its 10-year median of 0.25)
GF Value™: $12.99 vs. price of $13.38 (3% above fair value)
Industry Position: 65% below the Credit Services median (#449 of 548)
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.
71GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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