GDOT vs. XYZ

Last updated Jun 4, 2026

GDOT (Green Dot Corporation) and XYZ (Block, Inc) are both stocks. GDOT operates in Credit Services (Financial Services), while XYZ operates in Software - Infrastructure (Technology). Over the past 10 years, GDOT returned -5.63%/yr vs 22.12%/yr for XYZ. At a 0.45 correlation, their price movements are largely independent.

Performance

GDOT vs. XYZ - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Green Dot Corporation (GDOT) and Block, Inc (XYZ). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, GDOT achieves a -2.89% return, which is significantly lower than XYZ's 7.24% return. Over the past 10 years, GDOT has underperformed XYZ with an annualized return of -5.63%, while XYZ has yielded a comparatively higher 22.12% annualized return.

GDOT

• 1D: -1.89%
• 1M: -0.56%
• YTD: -2.89%
• 6M: -5.69%
• 1Y: 28.78%
• 3Y*: -12.92%
• 5Y*: -21.43%
• 10Y*: -5.63%

XYZ

• 1D: -5.87%
• 1M: -2.92%
• YTD: 7.24%
• 6M: 14.22%
• 1Y: 9.90%
• 3Y*: 3.23%
• 5Y*: -20.05%
• 10Y*: 22.12%

*Multi-year figures are annualized to reflect compound growth (CAGR)

GDOT vs. XYZ - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
GDOT Green Dot Corporation	-2.89%	20.39%	7.47%	-37.42%	-56.35%	-35.05%	139.48%	-70.70%	31.96%	155.88%
XYZ Block, Inc	7.24%	-23.41%	9.88%	23.09%	-61.09%	-25.79%	247.89%	11.54%	61.78%	154.37%

Correlation

The correlation between GDOT and XYZ is 0.41, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.42
Correlation (3Y) Calculated over the trailing 3-year period	0.40
Correlation (5Y) Calculated over the trailing 5-year period	0.49
Correlation (10Y) Calculated over the trailing 10-year period	0.47
Correlation (All Time) Calculated using the full available price history since Nov 20, 2015	0.45

Fundamentals

Market Cap GDOT : $721.72M XYZ : $41.71B
EPS GDOT : -$1.27 XYZ : $1.31
PS Ratio GDOT : 0.32 XYZ : 1.75
PB Ratio GDOT : 0.77 XYZ : 1.92
Total Revenue (TTM) GDOT : $2.18B XYZ : $24.48B
Gross Profit (TTM) GDOT : $323.19M XYZ : $11.01B
EBITDA (TTM) GDOT : $130.03M XYZ : $2.42B

Return for Risk

GDOT vs. XYZ — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

GDOT

GDOT Risk / Return Rank: 62
GDOT Sharpe Ratio Rank: 61
GDOT Sortino Ratio Rank: 67
GDOT Omega Ratio Rank: 63
GDOT Calmar Ratio Rank: 60
GDOT Martin Ratio Rank: 58

XYZ

XYZ Risk / Return Rank: 46
XYZ Sharpe Ratio Rank: 49
XYZ Sortino Ratio Rank: 45
XYZ Omega Ratio Rank: 44
XYZ Calmar Ratio Rank: 46
XYZ Martin Ratio Rank: 47

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

GDOT vs. XYZ - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Green Dot Corporation (GDOT) and Block, Inc (XYZ). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	GDOT	XYZ	Difference
Sharpe ratio Return per unit of total volatility	0.59	0.21	+0.37
Sortino ratio Return per unit of downside risk	1.59	0.63	+0.95
Omega ratio Gain probability vs. loss probability	1.18	1.08	+0.11
Calmar ratio Return relative to maximum drawdown	0.93	0.25	+0.68
Martin ratio Return relative to average drawdown	1.67	0.58	+1.09
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

GDOT vs. XYZ - Sharpe Ratio Comparison

The current GDOT Sharpe Ratio is 0.59, which is higher than the XYZ Sharpe Ratio of 0.21. The chart below compares the historical Sharpe Ratios of GDOT and XYZ, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	GDOT	XYZ	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.59	0.21	+0.37
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.42	-0.34	-0.09
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	-0.11	0.39	-0.50
Sharpe Ratio (All Time) Calculated using the full available price history	-0.15	0.30	-0.45

Drawdowns

GDOT vs. XYZ - Drawdown Comparison

The maximum GDOT drawdown since its inception was -93.17%, which is greater than XYZ's maximum drawdown of -86.08%. Use the drawdown chart below to compare losses from any high point for GDOT and XYZ.

Drawdown Indicators

	GDOT	XYZ	Difference
Max Drawdown Largest peak-to-trough decline	-93.17%	-86.08%	-7.09%
Max Drawdown (1Y) Largest decline over 1 year	-30.95%	-39.48%	+8.53%
Max Drawdown (3Y) Largest decline over 3 years	-69.62%	-52.96%	-16.66%
Max Drawdown (5Y) Largest decline over 5 years	-88.43%	-86.08%	-2.35%
Max Drawdown (10Y) Largest decline over 10 years	-93.17%	-86.08%	-7.09%
Current Drawdown Current decline from peak	-86.60%	-75.23%	-11.37%
Average Drawdown Average peak-to-trough decline	-60.22%	-40.98%	-19.24%
Ulcer Index Depth and duration of drawdowns from previous peaks	17.28%	16.97%	+0.31%

Volatility

GDOT vs. XYZ - Volatility Comparison

The current volatility for Green Dot Corporation (GDOT) is 4.90%, while Block, Inc (XYZ) has a volatility of 13.29%. This indicates that GDOT experiences smaller price fluctuations and is considered to be less risky than XYZ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	GDOT	XYZ	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.90%	13.29%	-8.39%
Volatility (6M) Calculated over the trailing 6-month period	17.66%	35.69%	-18.03%
Volatility (1Y) Calculated over the trailing 1-year period	49.19%	46.59%	+2.60%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	50.99%	59.97%	-8.98%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	52.33%	56.68%	-4.35%

Dividends

GDOT vs. XYZ - Dividend Comparison

Neither GDOT nor XYZ has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

GDOT vs. XYZ - Profitability Comparison

The chart below illustrates the profitability comparison between Green Dot Corporation and Block, Inc over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

GDOT - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported a gross profit of 0.00 and revenue of 656.25M. Therefore, the gross margin over that period was 0.0%.

XYZ - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a gross profit of 2.91B and revenue of 6.06B. Therefore, the gross margin over that period was 48.0%.

GDOT - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported an operating income of 69.04M and revenue of 656.25M, resulting in an operating margin of 10.5%.

XYZ - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported an operating income of -171.99M and revenue of 6.06B, resulting in an operating margin of -2.8%.

GDOT - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported a net income of 53.75M and revenue of 656.25M, resulting in a net margin of 8.2%.

XYZ - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a net income of -308.68M and revenue of 6.06B, resulting in a net margin of -5.1%.

Frequently Asked Questions

Can I hold both GDOT and XYZ in my portfolio?

GDOT and XYZ have a correlation of 0.41, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, GDOT or XYZ?

XYZ has higher volatility (13.29%) compared to GDOT (4.90%). In terms of maximum drawdown, GDOT dropped -93.17% vs XYZ's -86.08%.

Which has better risk-adjusted returns?

GDOT currently has the higher Sharpe Ratio (0.59 vs 0.21), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.