Should I Buy GDOT? GDOT 2026 Analysis

Should You Buy Green Dot Corp (GDOT) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

12.020

1 Day change

0.84%

52 Week Range

15.410

Analysis Updated At

2026/02/04

Should I buy Analysis is updated weekly. For real time "Should I Buy" analysis, please sign up to get free answers.

Not a good buy right now for an impatient trader: momentum is soft (MACD still negative, RSI weak-neutral) and there are no Intellectia buy signals.
The stock is sitting just below/around the key pivot (~12.19); without a clean breakout above ~12.44 (R1), upside follow-through looks limited.
If you want exposure, the better “buy now” condition would be a decisive move and hold above 12.44; otherwise it’s more of a wait/hold setup into earnings (2026-02-26).

Technical Analysis

Trend/Momentum: MACD histogram is negative (-0.0085) but contracting, implying downside momentum is fading, not reversing.
RSI (6): 41.47, weak-neutral; not oversold enough to signal a high-confidence bounce.
Moving averages: converging, consistent with consolidation rather than a strong uptrend.
Key levels: Pivot 12.194 is the near-term decision point.
- Support: 11.95 (S1), then 11.80 (S2).
- Resistance: 12.44 (R1), then 12.59 (R2).
Pattern-based probability (from similar candlesticks): modest expected moves (next day +0.46% chance, next week +0.33%, next month +0.97%)—not a strong edge for immediate entry.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning: Put/Call OI ratio 0.64 (calls > puts) suggests mildly bullish/skewed-to-upside positioning.
Activity: Reported option volume is 0 today, so sentiment from today’s flow is not informative.
Volatility: IV (30d) 71.88 vs historical vol 18.07 is very elevated; options are pricing a large move (often seen into event risk like earnings).
Takeaway: OI leans constructive, but lack of volume confirmation + very high IV reduces confidence for a “buy now” directional call.

Technical Summary

Sell

Buy

Positive Catalysts

still implies upside versus ~$12.10 if execution stabilizes.

Neutral/Negative Catalysts

indicates the market expects a big move; without a clear directional edge, timing risk is high for an immediate entry.

Financial Performance

Latest quarter provided: 2025/Q3.
Revenue: $494.826M, up 20.76% YoY (strong top-line growth trend).
Profitability: Net income -$30.791M (still a loss) but improved materially YoY (+292.74% as reported), implying losses narrowed.
EPS: -0.56, improved YoY (+273.33% as reported) but still negative.
Overall: growth is improving and losses are shrinking, but the company is not yet consistently profitable—keeps the stock sensitive to earnings execution.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

[2025-11-25] Northland downgraded GDOT to Market Perform from Outperform.
Price target cut to $14.25 from $18 after the company announced coordinated strategic transactions to separate fintech and bank operations.
Wall Street pro view (pros/cons):
- Pros: target still above current price; strategic separation could unlock clarity/value if executed well.
- Cons: downgrade and target cut show diminished conviction; restructuring complexity increases execution risk and can pressure multiples until results prove out.

3 Analyst Rating

Wall Street analysts forecast GDOT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for GDOT is 14.25 USD with a low forecast of 14.25 USD and a high forecast of 14.25 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

2 Hold

0 Sell

Moderate Buy

Current: 11.920

Low

14.25

Averages

14.25

High

14.25

Current: 11.920

Low

14.25

Averages

14.25

High

14.25

Northland

Mike Grondahl

Outperform -> Market Perform

downgrade

$18

AI Analysis

2025-11-25

Reason

Northland

Mike Grondahl

Price Target

$18

AI Analysis

2025-11-25

downgrade

Outperform -> Market Perform

Reason

Northland analyst Mike Grondahl downgraded Green Dot to Market Perform from Outperform with a price target of $14.25, down from $18, after the company announced "two somewhat complicated and coordinated" strategic transactions that will separate its fintech and bank operations.

Northland

Mike Grondahl

Outperform

maintain

$16 -> $18

2025-10-15

Reason

Northland

Mike Grondahl

Price Target

$16 -> $18

2025-10-15

maintain

Outperform

Reason

Northland analyst Mike Grondahl raised the firm's price target on Green Dot to $18 from $16 and keeps an Outperform rating on the shares. The Street currently forecasts adjusted EBITDA of $164M and $176M for FY25 and FY26, respectively, notes the analyst, who believes the Street is in-line for FY25, but argues the FY26 view "could be conservative if momentum continues."

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for GDOT

Unlock Now

GDOT Should I Buy

GDOT Should I Buy

Should You Buy Green Dot Corp (GDOT) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

People Also Watch