Green Dot Corporation (GDOT) - Net Assets
Based on the latest financial reports, Green Dot Corporation (GDOT) has net assets worth $913.29 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.77 Billion) and total liabilities ($4.85 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check GDOT cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $913.29 Million |
| % of Total Assets | 15.84% |
| Annual Growth Rate | 39.06% |
| 5-Year Change | -13.49% |
| 10-Year Change | 31.7% |
| Growth Volatility | 358.66 |
Green Dot Corporation - Net Assets Trend (2008–2024)
This chart illustrates how Green Dot Corporation's net assets have evolved over time, based on quarterly financial data. Also explore GDOT total asset value for the complete picture of this company's asset base.
Annual Net Assets for Green Dot Corporation (2008–2024)
The table below shows the annual net assets of Green Dot Corporation from 2008 to 2024. For live valuation and market cap data, see Green Dot Corporation market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $873.59 Million | +1.66% |
| 2023-12-31 | $859.35 Million | +9.96% |
| 2022-12-31 | $781.48 Million | -27.01% |
| 2021-12-31 | $1.07 Billion | +6.02% |
| 2020-12-31 | $1.01 Billion | +8.89% |
| 2019-12-31 | $927.36 Million | +1.93% |
| 2018-12-31 | $909.81 Million | +19.00% |
| 2017-12-31 | $764.55 Million | +11.82% |
| 2016-12-31 | $683.73 Million | +3.08% |
| 2015-12-31 | $663.32 Million | +5.46% |
| 2014-12-31 | $628.99 Million | +56.37% |
| 2013-12-31 | $402.25 Million | +22.78% |
| 2012-12-31 | $327.63 Million | +29.40% |
| 2011-12-31 | $253.20 Million | +53.33% |
| 2010-12-31 | $165.13 Million | +131.39% |
| 2009-12-31 | $71.36 Million | +1497.22% |
| 2008-12-31 | $4.47 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Green Dot Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 75584900000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $743.60 Million | 85.12% |
| Common Stock | $55.00K | 0.01% |
| Other Comprehensive Income | $-278.08 Million | -31.83% |
| Other Components | $408.01 Million | 46.71% |
| Total Equity | $873.59 Million | 100.00% |
Green Dot Corporation Competitors by Market Cap
The table below lists competitors of Green Dot Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
FinVolution Group
F:PP3
|
$661.59 Million |
|
Huali Industries
SHG:603038
|
$662.08 Million |
|
Zhejiang Jianfeng Group Co Ltd
SHG:600668
|
$662.21 Million |
|
Hanwang Technology Co Ltd
SHE:002362
|
$662.49 Million |
|
SPAR Group Ltd
JSE:SPP
|
$661.28 Million |
|
BES Engineering Co
TW:2515
|
$661.08 Million |
|
Highpeak Energy Acquisition Corp
NASDAQ:HPK
|
$660.93 Million |
|
Beijing Hualian Department Store Co Ltd
SHE:000882
|
$660.93 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Green Dot Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 859,350,000 to 873,585,000, a change of 14,235,000 (1.7%).
- Net loss of 26,702,000 reduced equity.
- Share repurchases of 2,892,000 reduced equity.
- Other comprehensive income increased equity by 8,905,000.
- Other factors increased equity by 34,924,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-26.70 Million | -3.06% |
| Share Repurchases | $2.89 Million | -0.33% |
| Other Comprehensive Income | $8.90 Million | +1.02% |
| Other Changes | $34.92 Million | +4.0% |
| Total Change | $- | 1.66% |
Book Value vs Market Value Analysis
This analysis compares Green Dot Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.77x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 91.00x to 0.77x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | $0.14 | $12.62 | x |
| 2009-12-31 | $1.76 | $12.62 | x |
| 2010-12-31 | $5.94 | $12.62 | x |
| 2011-12-31 | $6.02 | $12.62 | x |
| 2012-12-31 | $9.12 | $12.62 | x |
| 2013-12-31 | $10.83 | $12.62 | x |
| 2014-12-31 | $15.06 | $12.62 | x |
| 2015-12-31 | $12.79 | $12.62 | x |
| 2016-12-31 | $13.46 | $12.62 | x |
| 2017-12-31 | $14.37 | $12.62 | x |
| 2018-12-31 | $16.70 | $12.62 | x |
| 2019-12-31 | $17.45 | $12.62 | x |
| 2020-12-31 | $18.81 | $12.62 | x |
| 2021-12-31 | $19.39 | $12.62 | x |
| 2022-12-31 | $14.51 | $12.62 | x |
| 2023-12-31 | $16.37 | $12.62 | x |
| 2024-12-31 | $16.32 | $12.62 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Green Dot Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -3.06%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -1.55%
- • Asset Turnover: 0.32x
- • Equity Multiplier: 6.22x
- Recent ROE (-3.06%) is below the historical average (33.85%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | 387.98% | 10.31% | 1.73x | 21.76x | $16.89 Million |
| 2009 | 52.08% | 15.83% | 1.28x | 2.57x | $30.03 Million |
| 2010 | 25.57% | 11.59% | 1.27x | 1.73x | $25.72 Million |
| 2011 | 20.57% | 11.12% | 1.10x | 1.68x | $26.76 Million |
| 2012 | 14.41% | 8.58% | 0.74x | 2.26x | $14.46 Million |
| 2013 | 8.46% | 5.90% | 0.66x | 2.18x | $-6.18 Million |
| 2014 | 6.79% | 7.05% | 0.38x | 2.57x | $-20.21 Million |
| 2015 | 5.79% | 5.49% | 0.41x | 2.55x | $-27.92 Million |
| 2016 | 6.08% | 5.73% | 0.42x | 2.55x | $-26.77 Million |
| 2017 | 11.23% | 9.53% | 0.41x | 2.87x | $9.43 Million |
| 2018 | 13.05% | 11.14% | 0.47x | 2.51x | $27.72 Million |
| 2019 | 10.77% | 9.01% | 0.45x | 2.65x | $7.16 Million |
| 2020 | 2.29% | 1.84% | 0.30x | 4.08x | $-77.85 Million |
| 2021 | 4.43% | 3.31% | 0.30x | 4.41x | $-59.59 Million |
| 2022 | 8.22% | 4.43% | 0.30x | 6.13x | $-13.94 Million |
| 2023 | 0.78% | 0.45% | 0.31x | 5.61x | $-79.21 Million |
| 2024 | -3.06% | -1.55% | 0.32x | 6.22x | $-114.06 Million |
Industry Comparison
This section compares Green Dot Corporation's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,603,214,276
- Average return on equity (ROE) among peers: 5.89%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Green Dot Corporation (GDOT) | $913.29 Million | 387.98% | 5.31x | $661.58 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $1.27 Billion | 14.01% | 20.49x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $992.48 Million | 10.95% | 23.54x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $211.13 Million | 2.74% | 0.29x | $3.53 Million |
| Ally Financial Inc (ALLY) | $13.90 Billion | 4.80% | 12.80x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $447.87 Million | 1.31% | 0.16x | $958.76 Million |
| American Express Company (AXP) | $15.32 Billion | 19.49% | 10.42x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $362.39 Million | -5.88% | 2.92x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $248.99 Million | 0.60% | 3.48x | $5.39 Billion |
About Green Dot Corporation
Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company provides deposit account programs, including consumer and small business checking account products, net… Read more