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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
Green Dot's Sloan Ratio for the quarter that ended in Mar. 2026 was 11.40%.
As of Mar. 2026, Green Dot has a Sloan Ratio of 11.40%, indicating there is a warning stage of accrual build up.
Green Dot (NYSE:GDOT) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Mar. 2026, Green Dot has a Sloan Ratio of 11.40%, indicating there is a warning stage of accrual build up.
Green Dot Sloan Ratio % Related Terms
Green Dot Sloan Ratio % Historical Data
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The historical data trend for Green Dot's Sloan 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.
GDOT vs OPFI, PRAA, NAVI: Sloan Ratio % Comparison
For the Credit Services subindustry, Green Dot's Sloan Ratio %, along with its competitors' market caps and Sloan 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 Sloan Ratio % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Green Dot's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Green Dot's Sloan Ratio % falls into.
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Green Dot's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Green Dot's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was -47.025 (Jun. 2025 ) + -30.791 (Sep. 2025 ) + -46.823 (Dec. 2025 ) + 53.753 (Mar. 2026 ) = $-71 Mil.
Green Dot's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 68.98 (Jun. 2025 ) + 23.326 (Sep. 2025 ) + -62.47 (Dec. 2025 ) + 95.061 (Mar. 2026 ) = $125 Mil.
Green Dot's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was 565.121 (Jun. 2025 ) + -789.121 (Sep. 2025 ) + -163.076 (Dec. 2025 ) + -566.597 (Mar. 2026 ) = $-954 Mil.
* 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 Sloan Ratio % of 11.40% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Green Dot and its competitors.
Is Green Dot's Sloan Ratio % too high?
Green Dot's current Sloan Ratio % is 11.40%. 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 Sloan Ratio % compare to OPFI and PRAA?
Green Dot's Sloan Ratio % of 11.40% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for a Credit Services company?
A good Sloan Ratio % depends on the Credit Services industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Green Dot and its competitors. Green Dot's current Sloan Ratio % is 11.40%. 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 $12.97, compared to a current price of $13.51 — trading 4.2% above its estimated fair value. The current Sloan Ratio % is 11.40%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Green Dot (GDOT), the current Sloan Ratio % is 11.40% 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 $13.51 is trading 4.2% above its estimated GF Value™ of $12.97.
GuruFocus considers Green Dot to be Fairly Valued.
Key valuation signals for GDOT:
Sloan Ratio %: 11.40%
GF Value™: $12.97 vs. price of $13.51 (4.2% 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.
70GF Score
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