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Green Dot Corporation $0.001 par value (Class A) (GDOT) — RQD Stock Rating Cockpit

$12.39 +1.06% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $12.39

Green Dot Corporation $0.001 par value (Class A) (GDOT) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $706.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on GDOT Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GDOT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Green Dot Corporation $0.001 par value (Class A) (NYSE: GDOT) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $12.39 (+1.06% 1D, market cap $706.0M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, GDOT ranks #538 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GDOT compare to LU and BTGO in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), GDOT carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 30.6%. By comparison, LU (Lufax Holding Ltd (each representing twenty (20) )) holds a D grade (44/100 RQD, P/E N/A, ROIC —, cap $687.3M) and BTGO (BitGo Holdings Inc. (Class A)) posts a D- grade (41/100 RQD, P/E N/A, ROIC —, cap $680.6M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while GDOT leads on capital efficiency (30.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GDOT?

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Per GDOT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001386278), Green Dot Corporation $0.001 par value (Class A) generated $1.99B in revenue (+19.8% YoY), -$98.9M in net income, and $66.0M in free cash flow against $5.99B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $12.39 (+0.00%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 3.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GDOT)Realized 20D OHLCV Swing Band: ±3.8%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY GDOT SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (32% of score)

SEC XBRL FY 2025 (10-K): 3.3% FCF Margin ($66.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (48.4) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$12.46-2.8% Next Q

Q2 (-2Q)

Grade C$12.11+0.2% Next Q

Q3 (-1Q)

Grade C$12.13+2.1% Next Q

Current

Grade D+$12.39-0.4% Hist 90D α

Trajectory: C+ (64) → D+ (56)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GDOT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, GDOT faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($12.75) or 200D SMA ($12.52) invalidates the momentum regime and cuts Target Base ($12.28) toward Bear Floor ($9.58).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GDOT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “GDOT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 56%NO 44%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

48.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE63% OF RANGE

L: $10$12.39H: $14

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: ARQD 18 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 16 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on GDOT

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (90)

30.6% ROIC with 42.0% gross margin and 9.35% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (40)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (50)

22/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like GDOT

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring GDOT)

✓Walkthrough of GDOT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

GDOT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -0.96%▼ DESCENDING CHANNEL

2026-11-02O $12.26H $12.39L $12.26C $12.39VOL 205.7K

RES: $13.19SUP: $10.95SMA50: $12.75SMA200: $12.52

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GDOT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GDOT Butterfly Map → + Track GDOT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-11.1%/yr Implied 5Y Growth

vs. +19.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on GDOT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GDOT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for GDOT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GDOT)

Financials Rank #538 of 1096 ⚔️ LU vs GDOT Full Matrix →

1. Head-to-Head Financials Peer Comparison (GDOT vs. LU, BTGO, FINV, CGBD)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Green Dot Corporation $0.001 par value (Class A) (GDOT) ranks #538 by composite RQD confidence (56/100, grade D+) and #623 by equity capitalization ($706.0M). Within this direct 5-issuer industry benchmark cohort, CGBD leads on earnings valuation at 10.6x trailing P/E, while GDOT leads on capital efficiency and profitability with 30.6% ROIC and — gross margin. GDOT currently leads its immediate peer cohort in composite quantitative strength at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
GDOT ACTIVE Green Dot Corporation $0.001 par value (Class A)	D+	56/100	—	—	30.6%	+1.06%	$706.0M	Benchmark Subject
LU Lufax Holding Ltd (each representing twenty (20) )	D	44/100	—	—	—	-2.94%	$687.3M	/lu-vs-gdot →
BTGO BitGo Holdings Inc. (Class A)	D-	41/100	—	—	—	-0.17%	$680.6M	/btgo-vs-gdot →
FINV FinVolution Group	D	47/100	—	—	15.4%	+0.71%	$672.9M	/finv-vs-gdot →
CGBD Carlyle Secured Lending Inc.	D-	38/100	10.6x	—	6.0%	+2.27%	$743.8M	/cgbd-vs-gdot →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001386278

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Green Dot Corporation $0.001 par value (Class A) (GDOT) reported GAAP revenue of $1.99B (+19.8% vs. FY2024 revenue of $1.66B , and +36.0% cumulative change since FY2023) , GAAP net income of -$98.9M, operating cash flow of $138.6M, and free cash flow of $66.0M (+830.3% YoY). On the balance sheet, GDOT closed FY2025 with $5.99B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.99B	-$98.9M	$138.6M	$66.0M	$5.99B	—
FY2024 (FY)	2024-12-31	$1.66B	-$26.7M	$81.4M	$7.1M	$5.43B	—
FY2023 (FY)	2023-12-31	$1.46B	$6.7M	$97.5M	$97.5M	—	—

3. GDOT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GDOT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does GDOT compare to LU and BTGO in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for GDOT?

Where is GDOT trading relative to its 50-day, 200-day, and 52-week technical levels?

GDOT last traded at $12.39 (+1.06% on volume of 205,737 shares), positioning the stock -2.82% below its 50-day simple moving average ($12.75) and -1.04% below its 200-day simple moving average ($12.52). Across its 52-week range of $10.10 to $13.75, GDOT sits at the 62.7% percentile with a 14-day RSI of 48.4 (NEUTRAL RANGE) and an implied next-earnings move of ±3.8% ($11.92 to $12.86).

GDOT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell GDOT stock right now?

Green Dot Corporation $0.001 par value (Class A) (GDOT) currently earns a Roarable Rating of D+ (Sell — SELL) with 56/100 RQD Confidence. Stretched risk/reward at current multiples (31% return on capital) under elevated 10-year interest-rate pressure.

What is GDOT's 12-month price target and RQD AI Jury consensus?

GDOT's 12-month base price target is $12.28 (range $9.58 to $14.49), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: GDOT RQD Cockpit GDOT 12M Forecast GDOT Earnings & Move GDOT Dividends & DRIP GDOT Insiders & 13F GDOT Whale Options GDOT Profit Sankey GDOT News & Why