Green Dot Corporation (GDOT)vsVisa Inc. Class A (V)
GDOT
Green Dot Corporation
$12.25
-4.22%
FINANCIAL SERVICES · Cap: $698.07M
V
Visa Inc. Class A
$367.38
-0.16%
FINANCIAL SERVICES · Cap: $678.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 1844% more annual revenue ($44.49B vs $2.29B). V leads profitability with a 50.8% profit margin vs -1.1%. GDOT appears more attractively valued with a PEG of 1.23. V earns a higher WallStSmart Score of 68/100 (B-).
GDOT
Buy61
out of 100
Grade: C+
V
Strong Buy68
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 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
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
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.5x book value
Grey zone — moderate risk
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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : GDOT
The primary concerns for GDOT are Market Cap, Operating Margin, Piotroski F-Score.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
GDOT profiles as a growth stock while V 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.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 61/100), backed by strong 50.8% margins and 14.4% 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 →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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