Green Dot's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Green Dot (GDOT) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Green Dot vs Its Competitors
- TTM: Trailing 12-month revenue of 2,270M vs 301,676M combined for tracked competitors (0.7% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+5.0% annualized vs trailing 12 months), vs decelerating (-8.3%) for its tracked peer group.
- Growth: Green Dot generated 18.2% revenue growth year over year in Q2 2026, vs -5.3% for its tracked competitors combined.
- Profitability: Its -0.4% net margin compares with 25.6% for the peer group.
- Scale: Green Dot ranks #45 of 117 companies by market capitalization in the Miscellaneous Financial Services industry, holding 0.1% of industry market cap.
- Peer revenue share: Green Dot accounted for 0.9% of combined revenue among its tracked peer group, up from 0.7% a year earlier.
- Peer differentiation: Revenue per employee of $2.52M compares with $0.59M for the peer group (4.3x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
GDOT Sales vs. its Competitors, Q2 2026
Green Dot reported revenue growth of 18.19 % year on year in Q2 2026, above its competitors' combined revenue change of -5.29 %.
With a net margin of -0.35 %, Green Dot reported lower profitability than its competitors (25.62 %).
Green Dot generated 0.85 % of the combined sales of its peer group, up from 0.69 % a year earlier.
Green Dot vs. its Competitors, Q2 2026
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Green Dot and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Green Dot Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (3) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (5) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (5) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Green Dot's competitor groups requires a Commercial License.
For context: the Miscellaneous Financial Services industry grew revenue 293.3% year over year, combined, vs 18.2% for Green Dot. Green Dot's share of combined industry revenue moved from 0.60% to 0.18%, a loss of 0.42 percentage points.
Green Dot's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Green Dot Corp | No | Yes | Yes | No |
| Competitors combined (20) | ||||
| High-Confidence Competitors (3) | ||||
| Similar-Size Competitors (10) | ||||
| Similar Growth & Profitability (8) | 71.40 % (5 of 7) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 37.50 % (3 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
GDOT Stock Performance relative to its Competitors
GDOT Stock Performance relative to High-Confidence Competitors
GDOT Stock Performance relative to Similar-Size Competitors
GDOT Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Cuentas Inc | 282.9% | Outperformed |
| 2 | Paysign Inc | 282.9% | Outperformed |
| 3 | Everi Holdings Inc | 282.9% | Outperformed |
| 4 | Discover Financial Services | 282.9% | Outperformed |
| 5 | Financial Institutions Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Green Dot's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Green Dot's Comment on Competition and Industry Peers
Publicly Traded Peers of Green Dot Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Green Dot Corp | 698.78 | 2,269.57 |
| Visa Inc | 704,589.84 | 43,027.00 |
| Mastercard Incorporated | 501,773.58 | 35,083.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Citigroup inc | 233,259.84 | 88,262.00 |
| American Express Company | 207,998.07 | 114,611.00 |
| SUBTOTAL | 2,162,708.79 | 449,447.31 |
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Sources: Green Dot Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Green Dot Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Green Dot's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Cuentas Inc | Named by the company | 85% |
| Q2 Holdings Inc | Named by the company | 85% |
| BlueOne Technologies, Inc. | Named by the company | 85% |
| Bm Technologies Inc | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
| Power Reit | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Green Dot's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Green Dot's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Green Dot Corp | B2B Services 75.26 % |
| Mastercard Incorporated | Payment Solutions 100.00 % |
| Citigroup inc | Markets 29.42 % |
| Euronet Worldwide Inc | Cross-Border Payments 39.66 % |
| Diebold Nixdorf Incorporated | Banking 68.21 % |
| The Western Union Company | Consumer Money Transfer 86.03 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Green Dot's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Green Dot Corp | 699 | 2,521,746 | -28,831 |
| Visa Inc | 704,590 | 1,261,789 | 652,082 |
| Mastercard Incorporated | 501,774 | 881,482 | 408,467 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Citigroup inc | 233,260 | 390,540 | 72,049 |
| American Express Company | 207,998 | 1,492,331 | 149,023 |
| PEERS TOTAL | 2,162,010 | 588,971 | 149,711 |
Green Dot's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Visa Inc | Non-US 61.39 % |
| Mastercard Incorporated | International Markets 57.56 % |
| Euronet Worldwide Inc | Europe 60.43 % |
| The Western Union Company | North America Member 34.31 % |
| Lesaka Technologies Inc | Rest Of Africa 5.82 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Green Dot's Position in Industry Market Structure
Market-capitalization share and concentration across all 103 companies in Green Dot's industry classification, broader than the peer set above. Market cap in millions of $.Green Dot ranks #45 of 103 companies by market capitalization in its industry, holding 0.11 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,294, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | American Express Company | 207,244 | 31.55 % |
| 2 | Nu Holdings Ltd | 61,219 | 9.32 % |
| 3 | Coinbase Global Inc | 51,945 | 7.91 % |
| 4 | Eason Technology Limited | 38,113 | 5.80 % |
| 5 | Strategy Inc | 1,234 | 5.2% |
| 6 | Federal National Mortgage Association Fannie Mae | 1,234 | 5.2% |
| 7 | Synchrony Financial | 1,234 | 5.2% |
| 8 | Circle Internet Group Inc | 1,234 | 5.2% |
| 9 | Sofi Technologies Inc | 1,234 | 5.2% |
| 10 | Bitmine Immersion Technologies Inc | 1,234 | 5.2% |
| 45 | Green Dot Corp | 706 | 0.11 % |
Market cap and industry share for the rest of Green Dot's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Green Dot's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 40 | Hive Digital Technologies Ltd | 828 | -13.13 % |
| 41 | Finvolution Group | 821 | -59.65 % |
| 42 | Whitefiber Inc | 750 | -17.72 % |
| 43 | Bitgo Holdings Inc | 720 | - |
| 44 | Lufax Holding Ltd | 1,234 | 12.3% |
| 45 | Green Dot Corp | 706 | -13.28 % |
| 46 | Tron Inc | 1,234 | 12.3% |
| 47 | 9f Inc | 1,234 | 12.3% |
| 48 | Bit Digital Inc | 1,234 | 12.3% |
| 49 | Velocity Financial Inc | 1,234 | 12.3% |
| 50 | Amtd Idea Group | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Green Dot's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Green Dot's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Miscellaneous Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (80 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 53.42 % (avg) | - |
| Operating Margin | 0.34 % | industry median | +14.8 pp |
| EBITDA Margin | 4.26 % | 2.15 % (avg) | +2.1 pp |
| Capital Intensity (Capex / Revenue) | 3.19 % | 4.86 % (avg) | -1.7 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Green Dot's Valuation vs Competitive Position
Valuation multiples vs the Miscellaneous Financial Services industry average (80 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 18.8x | - |
| EV / EBITDA | -15.3x | 15.3x | -30.6x |
| P/B | 0.8x | 3.1x | -2.3x |
| Return on Equity | -2.82 % | industry aggregate | 4.07 % |
| Return on Invested Capital | 0.39 % | 0.51 % (avg) | -0.12 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Green Dot's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2022 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 3.47 % | 23.84 % | 17.03 % | 6.42 % | 13.09 % | 4.54 % | 14.82 % | 20.69 % |
| Operating Margin | 12.54 % | 15.68 % | -85.67 % | 15.67 % | 8.55 % | 6.51 % | -1.07 % | 0.66 % |
| Return on Invested Capital | 6.51 % | 8.98 % | -48.80 % | 9.00 % | 5.13 % | 5.41 % | -1.03 % | 0.67 % |
| P/E | - | - | - | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Green Dot's Strategic Group Map
Every company in Green Dot's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Green Dot is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Green Dot's BCG Growth-Share Matrix
Relative market share (vs Green Dot's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Green Dot falls in the Dog quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 3.4% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Green Dot's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 1,294 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 3.19 % vs industry average 4.86 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Green Dot's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Green Dot's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Green Dot's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Green Dot falls in the Low attractiveness / Medium strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Green Dot's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Operating margin 14.8 points above the industry median.
- Latest-quarter revenue run-rate is accelerating (+5.0% annualized vs trailing 12 months).
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
Opportunities
- A meaningful share of tracked competitors (30.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-8.3% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Green Dot's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Green Dot Corp | 0.29 | 0.51 | 0.07 |
| Visa Inc | 0.48 | 1.09 | 0.66 |
| Mastercard Incorporated | 0.46 | 1.05 | 2.91 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| American Express Company | 0.08 | 0.60 | 1.76 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Green Dot's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Green Dot Corp | Q2 2026 | +18.2 % | - |
| Visa Inc | Q1 2026 | +17.1 % | +31.5 % |
| Mastercard Incorporated | Q2 2026 | +14.1 % | +18.6 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| American Express Company | Q2 2026 | -34.8 % | +7.8 % |
| PEERS TOTAL | +0.9 % | +27.3 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Green Dot's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Green Dot Corp | Q2 2026 | - | +1.8 % |
| Visa Inc | Q1 2026 | - | - |
| Mastercard Incorporated | Q2 2026 | - | +128.7 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| American Express Company | Q2 2026 | -22.8 % | +45.1 % |
Green Dot's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Green Dot Corp | - | - | - |
| Visa Inc | 22.56% | 31.88% | 59.24% |
| Mastercard Incorporated | 29.89% | 51.37% | 232.26% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| American Express Company | 3.77% | 5.24% | 34.12% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Green Dot's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Green Dot Corp | - | 0.31 |
| Visa Inc | 31.78 | 16.38 |
| Mastercard Incorporated | 31.25 | 14.30 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Citigroup inc | 16.34 | 2.64 |
| American Express Company | 18.63 | 1.81 |
| PEERS AVERAGE | 19.03 | 4.81 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.