Green DotGDOT +2.58%70 Quick Ratio is 0.50 as of Mar. 2026, which is 35% below its 10-year median of 0.77. 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 394 Credit Services companies, Green Dot ranks worse than 96.45% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Green Dot's quick ratio for the quarter that ended in Mar. 2026 was 0.50.
Green Dot has a quick ratio of 0.50. It indicates that the company cannot currently fully pay back its current liabilities.
The historical rank and industry rank for Green Dot's Quick Ratio or its related term are showing as below:
GDOT'
s Quick Ratio Range Over the Past 10 Years
Min: 0.35 Med: 0.77 Max: 1.07
Current: 0.5
During the past 13 years, Green Dot's highest Quick Ratio was 1.07. The lowest was 0.35. And the median was 0.77.
GDOT's Quick Ratio is ranked worse than 96.45% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs GDOT: 0.50
Green Dot (NYSE:GDOT) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Green Dot Quick Ratio Related Terms
Green Dot Quick Ratio Historical Data
* Premium members only.
The historical data trend for Green Dot's Quick Ratio 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.
For the Credit Services subindustry, Green Dot's Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Green Dot's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Green Dot's Quick 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 Quick Ratio of 0.50 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Green Dot and its competitors. This is 35% below median its historical median of 0.77. Over the past decade, Green Dot's Quick Ratio has ranged from 0.35 to 1.07. According to the industry distribution chart, Green Dot ranks #380 out of 394 companies in the Credit Services industry, placing it in the top 96.4%.
Is Green Dot's Quick Ratio too high?
Green Dot's current Quick Ratio of 0.50 is 35% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.07. The Credit Services industry median Quick Ratio is 4.93. Green Dot's value of 0.50 is 89.9% below this industry median. Based on the distribution chart, Green Dot ranks #380 out of 394 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 Quick Ratio compare to OPFI and WRLD?
According to the Credit Services industry distribution chart, Green Dot ranks #380 out of 394 companies for Quick Ratio. This places Green Dot in the lower half of its industry. The industry median Quick Ratio is 4.93. Green Dot's value of 0.50 is 89.9% below this benchmark. Historically, Green Dot's own Quick Ratio has ranged from 0.35 to 1.07 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Quick Ratio of 0.50 is 89.9% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Green Dot and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Quick Ratio is 0.50, which is 35% below median its own 10-year median of 0.77. 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 Quick Ratio is 0.50, which is 35% below median its 10-year median of 0.77 and 89.9% below the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Green Dot (GDOT), the current Quick Ratio is 0.50 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:
Quick Ratio: 0.50 (35% below median its 10-year median of 0.77)
GF Value™: $12.93 vs. price of $13.54 (4.7% above fair value)
Industry Position: 89.9% below the Credit Services median (#380 of 394)
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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