Green Dot (LTS:0J0N) Moat Score: 4/10 (As of Jul. 22, 2026)

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LTS:0J0N Green Dot Corp LTS:0J0N
68 GF Score
Price $13.24
GF Value $12.84
Valuation Fairly Valued
! 7 Warning Signs
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What is Green Dot Moat Score?

Green Dot LTS:0J0N -1.41% 68 Moat Score is 4 as of Jul. 22, 2026. GuruFocus rates LTS:0J0N with a GF Score™ of 68/100 and a GF Value™ of $12.84 (Fairly Valued). The stock has 7 warning signs investors should review. Among 567 Credit Services companies, Green Dot ranks better than 95.06% on this metric.

Green Dot has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Green Dot has Narrow Moat: Green Dot Corp has a discernible but modest moat due to its established network in prepaid cards and banking services. However, intense competition and low switching costs in the fintech space limit its moat strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Green Dot might have Narrow Moat - Discernible but modest moat.

Green Dot  (LTS:0J0N) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Green Dot Moat Score Related Terms

LTS:0J0N vs OPFI, PRAA, NAVI: Moat Score Comparison

For the Credit Services subindustry, Green Dot's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Green Dot's Moat Score distribution charts can be found below:

* The bar in red indicates where Green Dot's Moat Score falls into.


LTS:0J0N
68GF Score
Green Dot Corp LTS:0J0N
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Green Dot (LTS:0J0N) has a Moat Score of 4 as of Jul. 22, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Green Dot ranks #28 out of 567 companies in the Credit Services industry, placing it in the top 4.9%.
Is Green Dot's Moat Score too high?
Green Dot's current Moat Score is 4. Based on the distribution chart, Green Dot ranks #28 out of 567 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 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Green Dot's Moat Score compare to OPFI and PRAA?
According to the Credit Services industry distribution chart, Green Dot ranks #28 out of 567 companies for Moat Score. This places Green Dot in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Green Dot's current Moat Score is 4. 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 (LTS:0J0N) is currently considered Fairly Valued. The stock's GF Value™ is $12.84, compared to a current price of $13.24 — trading 3.1% above its estimated fair value. The current Moat Score is 4. Green Dot's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Green Dot (LTS:0J0N), the current Moat Score is 4 as of Jul. 22, 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 (LTS:0J0N) Overvalued in 2026?

Based on GuruFocus' analysis, Green Dot stock appears to be overvalued. The current stock price of $13.24 is trading 3.1% above its estimated GF Value™ of $12.84. GuruFocus considers Green Dot to be Fairly Valued.

Key valuation signals for LTS:0J0N:

  • Moat Score: 4
  • GF Value™: $12.84 vs. price of $13.24 (3.1% above fair value)
  • GF Score™: 68/100 with 7 warning signs

No single metric tells the full story. See the LTS:0J0N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Green Dot Business Description

Other Exchanges GDOT:USA
Address 1675 N. Freedom boulevard, 200 West, Building 1, Provo, UT, USA, 84604
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.
68GF Score

Get the complete analysis for LTS:0J0N

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.24
Price
$12.84
GF Value