Green DotGDOT +2.58%70 Operating Margin % is 10.29% as of Mar. 2026, which is 85% above its 10-year median of 5.56. 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 412 Credit Services companies, Green Dot ranks worse than 71.6% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. Green Dot's Operating Income for the
three
months ended in Mar. 2026 was $68 Mil. Green Dot's Revenue for the
three
months ended in Mar. 2026 was $656 Mil. Therefore, Green Dot's Operating Margin % for the quarter that ended in Mar. 2026 was 10.29%.
The historical rank and industry rank for Green Dot's Operating Margin % or its related term are showing as below:
GDOT'
s Operating Margin % Range Over the Past 10 Years
Min: -0.42 Med: 5.56 Max: 11.77
Current: 1.74
GDOT's Operating Margin % is ranked worse than 71.6% of 412
companies
in the Credit Services industry
Industry Median: 17.325
vs GDOT: 1.74
Green Dot's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.
Green Dot's Operating Income for the
three
months ended in Mar. 2026 was $68 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was $38 Mil.
Warning Sign:
Green Dot Corp had lost money in 50% of the time over the past 12quarters.
Green Dot (NYSE:GDOT) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Green Dot Operating Margin % Related Terms
Green Dot Operating Margin % Historical Data
* Premium members only.
The historical data trend for Green Dot's Operating 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: Operating Margin % Comparison
For the Credit Services subindustry, Green Dot's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Green Dot's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Green Dot's Operating Margin % 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 Operating Margin % of 10.29% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Green Dot and its competitors. This is 85% above median its historical median of 5.56. According to the industry distribution chart, Green Dot ranks #295 out of 412 companies in the Credit Services industry, placing it in the top 71.6%.
Is Green Dot's Operating Margin % too high?
Green Dot's current Operating Margin % of 10.29% is 85% above median its 10-year median of 5.56. The Credit Services industry median Operating Margin % is 17.33. Green Dot's value of 10.29% is 40.6% below this industry median. Based on the distribution chart, Green Dot ranks #295 out of 412 companies in the Credit Services industry, which is below the industry midpoint. 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 Operating Margin % compare to OPFI and WRLD?
According to the Credit Services industry distribution chart, Green Dot ranks #295 out of 412 companies for Operating Margin %. This places Green Dot in the lower half of its industry. The industry median Operating Margin % is 17.33. Green Dot's value of 10.29% is 40.6% below this benchmark. While the company's 10-year median is 5.56 vs. the industry median of 17.33, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Operating Margin % of 10.29% is 40.6% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Green Dot and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Operating Margin % is 10.29%, which is 85% above median its own 10-year median of 5.56. 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 Operating Margin % is 10.29%, which is 85% above median its 10-year median of 5.56 and 40.6% below the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Green Dot (GDOT), the current Operating Margin % is 10.29% 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:
Operating Margin %: 10.29% (85% above median its 10-year median of 5.56)
GF Value™: $12.93 vs. price of $13.54 (4.7% above fair value)
Industry Position: 40.6% below the Credit Services median (#295 of 412)
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.
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