Green DotGDOT +2.58%70 ROA % is 3.40% as of Mar. 2026, which is 181% above its 10-year median of 1.21. 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 546 Credit Services companies, Green Dot ranks worse than 80.4% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Green Dot's annualizedNet Income for the quarter that ended in Mar. 2026 was $215 Mil.
Green Dot's average Total Assets over the quarter that ended in Mar. 2026 was $6,318 Mil. Therefore, Green Dot's annualized ROA % for the quarter that ended in Mar. 2026 was 3.40%.
The historical rank and industry rank for Green Dot's ROA % or its related term are showing as below:
GDOT'
s ROA % Range Over the Past 10 Years
Min: -1.73 Med: 1.21 Max: 5.29
Current: -1.19
During the past 13 years, Green Dot's highest ROA % was 5.29%. The lowest was -1.73%. And the median was 1.21%.
GDOT's ROA % is ranked worse than 80.4% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs GDOT: -1.19
Green Dot (NYSE:GDOT) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Green Dot ROA % Related Terms
Green Dot ROA % Historical Data
* Premium members only.
The historical data trend for Green Dot's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's ROA % distribution charts can be found below:
* The bar in red indicates where Green Dot's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Green Dot (GDOT) has a ROA % of 3.40% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Green Dot and its competitors. This is 181% above median its historical median of 1.21. According to the industry distribution chart, Green Dot ranks #439 out of 546 companies in the Credit Services industry, placing it in the top 80.4%.
Is Green Dot's ROA % too high?
Green Dot's current ROA % of 3.40% is 181% above median its 10-year median of 1.21. The Credit Services industry median ROA % is 1.93. Green Dot's value of 3.40% is 76.2% above this industry median. Based on the distribution chart, Green Dot ranks #439 out of 546 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 ROA % compare to OPFI and WRLD?
According to the Credit Services industry distribution chart, Green Dot ranks #439 out of 546 companies for ROA %. This places Green Dot in the lower half of its industry. The industry median ROA % is 1.93. Green Dot's value of 3.40% is 76.2% above this benchmark. While the company's 10-year median is 1.21 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Green Dot's current ROA % of 3.40% is 76.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Green Dot and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current ROA % is 3.40%, which is 181% above median its own 10-year median of 1.21. 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 ROA % is 3.40%, which is 181% above median its 10-year median of 1.21 and 76.2% above the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Green Dot (GDOT), the current ROA % is 3.40% 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:
ROA %: 3.40% (181% above median its 10-year median of 1.21)
GF Value™: $12.93 vs. price of $13.54 (4.7% above fair value)
Industry Position: 76.2% above the Credit Services median (#439 of 546)
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.
70GF Score
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