Green Dot (NYSE:GDOT) versus Corpay (NYSE:CPAY) Head to Head Contrast

Green Dot (NYSE:GDOT) and Corpay (NYSE:CPAY) are both business services companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, profitability, dividends, risk and earnings.

Profitability

This table compares Green Dot and Corpay’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Green Dot	-2.33%	9.81%	1.59%
Corpay	24.37%	37.83%	7.26%

Valuation & Earnings

This table compares Green Dot and Corpay”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Green Dot	$1.72 billion	0.39	-$26.70 million	($0.85)	-14.21
Corpay	$3.97 billion	5.65	$1.00 billion	$14.73	21.80

Corpay has higher revenue and earnings than Green Dot. Green Dot is trading at a lower price-to-earnings ratio than Corpay, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

Green Dot has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500. Comparatively, Corpay has a beta of 0.84, indicating that its share price is 16% less volatile than the S&P 500.

Insider and Institutional Ownership

92.6% of Green Dot shares are held by institutional investors. Comparatively, 98.8% of Corpay shares are held by institutional investors. 1.4% of Green Dot shares are held by insiders. Comparatively, 5.0% of Corpay shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Green Dot and Corpay, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Green Dot	2	5	1	0	1.88
Corpay	0	5	7	0	2.58

Green Dot presently has a consensus target price of $12.56, suggesting a potential upside of 3.99%. Corpay has a consensus target price of $366.25, suggesting a potential upside of 14.05%. Given Corpay’s stronger consensus rating and higher probable upside, analysts clearly believe Corpay is more favorable than Green Dot.

Summary

Corpay beats Green Dot on 14 of the 14 factors compared between the two stocks.

About Green Dot

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It offers money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and simply paid disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services comprising tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Austin, Texas.

About Corpay

Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable automation; virtual cards, cross-border solutions; and purchasing and travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.