Green DotGDOT -0.15%69 Return-on-Tangible-Equity is 39.55% as of Mar. 2026, which is 257% above its 10-year median of 11.07. GuruFocus rates GDOT with a GF Score™ of 69/100 and a GF Value™ of $12.94 (Fairly Valued). The stock has 7 warning signs investors should review. Among 525 Credit Services companies, Green Dot ranks worse than 89.14% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Green Dot's annualized net income for the quarter that ended in Mar. 2026 was $215 Mil. Green Dot's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $544 Mil. Therefore, Green Dot's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 39.55%.
The historical rank and industry rank for Green Dot's Return-on-Tangible-Equity or its related term are showing as below:
GDOT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -19.94 Med: 11.07 Max: 43.89
Current: -13.08
During the past 13 years, Green Dot's highest Return-on-Tangible-Equity was 43.89%. The lowest was -19.94%. And the median was 11.07%.
GDOT's Return-on-Tangible-Equity is ranked worse than 89.14% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs GDOT: -13.08
Green Dot (NYSE:GDOT) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Green Dot Return-on-Tangible-Equity Related Terms
Green Dot Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Green Dot's Return-on-Tangible-Equity 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, PRAA, NAVI: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Green Dot's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Green Dot's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 39.55% mean?
Green Dot (GDOT) has a Return-on-Tangible-Equity of 39.55% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Green Dot and its competitors. This is 257% above median its historical median of 11.07. According to the industry distribution chart, Green Dot ranks #468 out of 525 companies in the Credit Services industry, placing it in the top 89.1%.
Is Green Dot's Return-on-Tangible-Equity too high?
Green Dot's current Return-on-Tangible-Equity of 39.55% is 257% above median its 10-year median of 11.07. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Green Dot's value of 39.55% is 464.2% above this industry median. Based on the distribution chart, Green Dot ranks #468 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Green Dot has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Green Dot's Return-on-Tangible-Equity compare to OPFI and PRAA?
According to the Credit Services industry distribution chart, Green Dot ranks #468 out of 525 companies for Return-on-Tangible-Equity. This places Green Dot in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Green Dot's value of 39.55% is 464.2% above this benchmark. While the company's 10-year median is 11.07 vs. the industry median of 7.01, Green Dot has consistently been above 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current Return-on-Tangible-Equity of 39.55% is 464.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Green Dot and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current Return-on-Tangible-Equity is 39.55%, which is 257% above median its own 10-year median of 11.07. 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 $12.94, compared to a current price of $13.34 — trading 3.1% above its estimated fair value. The current Return-on-Tangible-Equity is 39.55%, which is 257% above median its 10-year median of 11.07 and 464.2% above the Credit Services industry median of 7.01. Green Dot's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Green Dot (GDOT), the current Return-on-Tangible-Equity is 39.55% 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 $13.34 is trading 3.1% above its estimated GF Value™ of $12.94.
GuruFocus considers Green Dot to be Fairly Valued.
Key valuation signals for GDOT:
Return-on-Tangible-Equity: 39.55% (257% above median its 10-year median of 11.07)
GF Value™: $12.94 vs. price of $13.34 (3.1% above fair value)
Industry Position: 464.2% above the Credit Services median (#468 of 525)
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.
69GF Score
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