Green Dot Corporation — Earnings Quality Grade C
GDOT · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 8 days, change +0 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 20.7%, CFFO 70.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -2.4% vs revenue 20.7%. Normal
SG&A/Gross Profit = 95.0%, exceeds 70%
Gross margin swung -5.3pp (33.6% → 28.3%)
Cash Flow Quality
CFFO/NI = -1.40. Below 1.0
FCF $0.1B, FCF/NI = -0.67
Accruals ratio = -4.0%. Low accruals
Cash $1.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 42% of equity
Debt/EBITDA = 0.6x. Healthy
Other assets -36.3% vs revenue 20.7%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions negative for 2/3 years
Goodwill+Intangibles change -6% YoY. Normal
Manipulation Score
M-Score = -2.34 (< -2.22). Unlikely manipulator
Beneish M-Score
Altman Z-Score — Not Applicable
Green Dot Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25