3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Green Dot's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -4.06%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Green Dot's 3-Year ROIIC % or its related term are showing as below:
GDOT's 3-Year ROIIC % is ranked worse than 78.37% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs GDOT: -4.06
Green Dot (NYSE:GDOT) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Green Dot 3-Year ROIIC % Related Terms
Green Dot 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Green Dot's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Green Dot's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Green Dot's 3-Year ROIIC % falls into.
Green Dot's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 29.632 (Dec. 2025) - 72.011212 (Dec. 2022) )
/
( 8103.63 (Dec. 2025) - 7060.575 (Dec. 2022) )
=
-42.379212
/
1043.055
=
-4.06%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Green Dot (GDOT) has a 3-Year ROIIC % of -4.06 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Green Dot and its competitors. According to the industry distribution chart, Green Dot ranks #308 out of 393 companies in the Credit Services industry, placing it in the top 78.4%.
Is Green Dot's 3-Year ROIIC % too high?
Green Dot's current 3-Year ROIIC % is -4.06. Based on the distribution chart, Green Dot ranks #308 out of 393 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 3-Year ROIIC % compare to OPFI and PRAA?
According to the Credit Services industry distribution chart, Green Dot ranks #308 out of 393 companies for 3-Year ROIIC %. This places Green Dot in the lower half of its industry. The industry median 3-Year ROIIC % is 2.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Green Dot and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Green Dot's current 3-Year ROIIC % is -4.06. 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 $13.57 — trading 4.8% above its estimated fair value. The current 3-Year ROIIC % is -4.06. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Green Dot (GDOT), the current 3-Year ROIIC % is -4.06 as of Dec. 2025. 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 $13.57 is trading 4.8% above its estimated GF Value™ of $12.94.
GuruFocus considers Green Dot to be Fairly Valued.
Key valuation signals for GDOT:
3-Year ROIIC %: -4.06
GF Value™: $12.94 vs. price of $13.57 (4.8% above fair value)
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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