Green DotGDOT +2.58%70 Gross Margin % is 33.57% as of Mar. 2026, which is 40% below its 10-year median of 56.14. 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 388 Credit Services companies, Green Dot ranks worse than 77.32% on this metric.
Gross Margin % is calculated as gross profit divided by its revenue. Green Dot's Gross Profit for the
three
months ended in Mar. 2026 was $220 Mil. Green Dot's Revenue for the
three
months ended in Mar. 2026 was $656 Mil. Therefore, Green Dot's Gross Margin % for the quarter that ended in Mar. 2026 was 33.57%.
Warning Sign:
Green Dot Corp gross margin has been in long-term decline. The average rate of decline per year is -13.8%.
The historical rank and industry rank for Green Dot's Gross Margin % or its related term are showing as below:
GDOT'
s Gross Margin % Range Over the Past 10 Years
Min: 27.73 Med: 56.14 Max: 63.83
Current: 27.73
During the past 13 years, the highestGross Margin % of Green Dot was 63.83%. The lowest was 27.73%. And the median was 56.14%.
GDOT's Gross Margin % is ranked worse than 77.32% of 388
companies
in the Credit Services industry
Industry Median: 51.76
vs GDOT: 27.73
Green Dot had a gross margin of 33.57% for the quarter that ended in Mar. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for Green Dot was -13.80% per year.
Green Dot (NYSE:GDOT) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Green Dot had a gross margin of 33.57% for the quarter that ended in Mar. 2026 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Green Dot Gross Margin % Related Terms
Green Dot Gross Margin % Historical Data
* Premium members only.
The historical data trend for Green Dot's Gross Margin % 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: Gross Margin % Comparison
For the Credit Services subindustry, Green Dot's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Green Dot's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Green Dot (GDOT) has a Gross Margin % of 33.57% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Green Dot and its competitors. This is 40% below median its historical median of 56.14. Over the past decade, Green Dot's Gross Margin % has ranged from 27.73 to 63.83. According to the industry distribution chart, Green Dot ranks #300 out of 388 companies in the Credit Services industry, placing it in the top 77.3%.
Is Green Dot's Gross Margin % too high?
Green Dot's current Gross Margin % of 33.57% is 40% below median its 10-year median of 56.14. Over the past 10 years, this metric has ranged from a low of 27.73 to a high of 63.83. The Credit Services industry median Gross Margin % is 51.76. Green Dot's value of 33.57% is 35.1% below this industry median. Based on the distribution chart, Green Dot ranks #300 out of 388 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 Gross Margin % compare to OPFI and WRLD?
According to the Credit Services industry distribution chart, Green Dot ranks #300 out of 388 companies for Gross Margin %. This places Green Dot in the lower half of its industry. The industry median Gross Margin % is 51.76. Green Dot's value of 33.57% is 35.1% below this benchmark. Historically, Green Dot's own Gross Margin % has ranged from 27.73 to 63.83 over the past decade. While the company's 10-year median is 56.14 vs. the industry median of 51.76, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.76, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Gross Margin % of 33.57% is 35.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Green Dot and its competitors. For the Credit Services industry, the median Gross Margin % is 51.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Gross Margin % is 33.57%, which is 40% below median its own 10-year median of 56.14. 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 Gross Margin % is 33.57%, which is 40% below median its 10-year median of 56.14 and 35.1% below the Credit Services industry median of 51.76. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Green Dot (GDOT), the current Gross Margin % is 33.57% 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:
Gross Margin %: 33.57% (40% below median its 10-year median of 56.14)
GF Value™: $12.93 vs. price of $13.54 (4.7% above fair value)
Industry Position: 35.1% below the Credit Services median (#300 of 388)
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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Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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