Green Dot Corporation (GDOT)vsMastercard Inc (MA)
GDOT
Green Dot Corporation
$12.25
-4.22%
FINANCIAL SERVICES · Cap: $698.07M
MA
Mastercard Inc
$567.65
+0.28%
FINANCIAL SERVICES · Cap: $490.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 1433% more annual revenue ($35.08B vs $2.29B). MA leads profitability with a 46.3% profit margin vs -1.1%. GDOT appears more attractively valued with a PEG of 1.23. MA earns a higher WallStSmart Score of 72/100 (B).
GDOT
Buy61
out of 100
Grade: C+
MA
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 97.9% YoY
Conservative balance sheet, low leverage
18.3% revenue growth
Mega-cap, among the largest globally
Every $100 of equity generates 290 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Safe zone — low bankruptcy risk
Earnings expanding 22.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Operating margin of 0.9%
Weak financial health signals
ROE of -2.8% — below average capital efficiency
Premium valuation, high expectations priced in
Trading at 88.7x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : GDOT
The strongest argument for GDOT centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 18.3% demonstrates continued momentum. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.
Bear Case : GDOT
The primary concerns for GDOT are Market Cap, Operating Margin, Piotroski F-Score.
Bear Case : MA
The primary concerns for MA are P/E Ratio, Price/Book, Debt/Equity. Debt-to-equity of 4.39 is elevated, increasing financial risk.
Key Dynamics to Monitor
GDOT profiles as a growth stock while MA is a mature play — different risk/reward profiles.
GDOT carries more volatility with a beta of 0.82 — expect wider price swings.
GDOT is growing revenue faster at 18.3% — sustainability is the question.
MA generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
MA scores higher overall (72/100 vs 61/100), backed by strong 46.3% margins and 14.1% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Green Dot Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Green Dot Corporation is a banking and fintech holding company in the United States. The company is headquartered in Pasadena, California.
Visit Website →Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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