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Green DotGDOT +1.45%72 Intrinsic Value: Projected FCF is $33.10 as of Sep. 02, 2026. 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 307 Credit Services companies, Green Dot ranks better than 64.82% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-02), Green Dot's Intrinsic Value: Projected FCF is $33.10. The stock price of Green Dot is $13.30. Therefore, Green Dot's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.
The historical rank and industry rank for Green Dot's Intrinsic Value: Projected FCF or its related term are showing as below:
GDOT'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.23 Med: 0.61 Max: 2.81
Current: 0.4
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Green Dot was 2.81. The lowest was 0.23. And the median was 0.61.
GDOT's Price-to-Projected-FCF is ranked better than 64.82% of 307
companies
in the Credit Services industry
Industry Median: 0.73
vs GDOT: 0.40
Green Dot (NYSE:GDOT) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Green Dot's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
13.30
/
33.103397008745
=
0.40
* 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 Intrinsic Value: Projected FCF Related Terms
Green Dot Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Green Dot's Intrinsic Value: Projected FCF 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 PRAA, FINV, WRLD: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Green Dot's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Green Dot's Price-to-Projected-FCF falls into.
Green Dot Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $33.10 mean?
Green Dot (GDOT) has a Intrinsic Value: Projected FCF of $33.10 as of Sep. 02, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Green Dot and its competitors. According to the industry distribution chart, Green Dot ranks #108 out of 307 companies in the Credit Services industry, placing it in the top 35.2%.
Is Green Dot's Intrinsic Value: Projected FCF too high?
Green Dot's current Intrinsic Value: Projected FCF is $33.10. The Credit Services industry median Intrinsic Value: Projected FCF is 0.73. Green Dot's value of $33.10 is 4434.2% above this industry median. Based on the distribution chart, Green Dot ranks #108 out of 307 companies in the Credit Services industry, which is above 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 Intrinsic Value: Projected FCF compare to PRAA and FINV?
According to the Credit Services industry distribution chart, Green Dot ranks #108 out of 307 companies for Intrinsic Value: Projected FCF. This puts Green Dot in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.73. Green Dot's value of $33.10 is 4434.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.73, based on 307 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Intrinsic Value: Projected FCF of $33.10 is 4434.2% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Green Dot and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Intrinsic Value: Projected FCF is $33.10. 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 Intrinsic Value: Projected FCF is $33.10 and 4434.2% above the Credit Services industry median of 0.73. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Green Dot (GDOT), the current Intrinsic Value: Projected FCF is $33.10 as of Sep. 02, 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:
Intrinsic Value: Projected FCF: $33.10
GF Value™: $13.36 vs. price of $13.30 (0.4% below fair value)
Industry Position: 4434.2% above the Credit Services median (#108 of 307)
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
Get the complete analysis for GDOT
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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