Green Dot Corporation Class A Common Stock (GDOT) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$0.39	$0.26	-33.3%	—	$595.9M	—
Q1 26	$0.88	$1.12	+27.3%	—	$656.2M	—
Q4 25	-$0.1	-$0.08	+20.0%	—	$522.6M	—
Q3 25	-$0.09	$0.06	+166.7%	—	$494.8M	—
Q2 25	$0.18	$0.4	+122.2%	—	$504.2M	—
Q1 25	$0.71	$1.06	+49.3%	—	$558.9M	—
Q4 24	$0.35	$0.4	+14.3%	—	$455M	—
Q3 24	$0.2	$0.13	-35.0%	—	$409.7M	—
Q2 24	$0.25	$0.25	0.0%	—	$407.1M	—
Q1 24	$0.73	$0.59	-19.2%	—	$452M	—
Q4 23	$0.17	$0.14	-17.6%	—	$366M	—
Q3 23	$0.21	$0.14	-33.3%	—	$353M	—
Q2 23	$0.36	$0.37	+2.8%	—	$365.9M	—
Q1 23	$0.8	$0.99	+23.7%	—	$416.4M	—
Q4 22	$0.22	$0.34	+54.5%	—	$342.4M	—
Q3 22	$0.35	$0.44	+25.7%	—	$343.7M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	-$1.79	—	—	$2.1B	—
FY24	—	-$0.5	—	—	$1.7B	—
FY23	—	$0.13	—	—	$1.5B	—
FY22	—	$1.2	—	—	$1.4B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$726.1M	$901.1M	$1.1B	$1.1B	$1.3B	$1.4B	$1.4B	$1.5B	$1.7B	$2.1B
YoY change	+3.82%	+24.1%	+18.2%	+4.04%	+13.1%	+14.3%	+1.14%	+3.57%	+14.8%	+20.7%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	726.1M	901.1M	1.1B	1.1B	1.3B	1.4B	1.4B	1.5B	1.7B	2.1B
Cost of revenue	276.1M	361.5M	407.8M	400.9M	527.6M	654.1M	725.7M	880.8M	1.1B	1.5B
Gross profit	450M	539.6M	657.7M	707.6M	726.1M	779.1M	723.9M	620.5M	580.1M	589.5M
Gross margin	62%	59.9%	61.7%	63.8%	57.9%	54.4%	49.9%	41.3%	33.6%	28.3%
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	388.4M	436.2M	532.4M	586.6M	696.8M	712.8M	629.8M	600.9M	587.3M	559.9M
Operating expenses	388.4M	436.2M	532.4M	586.6M	696.8M	712.8M	629.8M	600.9M	587.3M	559.9M
Operating income	61.6M	103.5M	125.4M	121.1M	29.3M	66.3M	94.1M	19.6M	-7.2M	29.6M
Operating margin	8.48%	11.5%	11.8%	10.9%	2.34%	4.63%	6.49%	1.31%	-0.42%	1.42%
Non-operating income, net	—	—	-1.6M	27K	-1.2M	-2.6M	-10.2M	-5M	-15.4M	-126.9M
Pretax income	61.6M	103.5M	123.8M	121.1M	28.1M	63.7M	83.9M	14.6M	-22.5M	-97.3M
Income tax	20M	17.6M	5.1M	21.2M	5M	16.2M	19.7M	7.9M	4.2M	1.6M
Net income	41.6M	85.9M	118.7M	99.9M	23.1M	47.5M	64.2M	6.7M	-26.7M	-98.9M
Net margin	5.73%	9.53%	11.1%	9.01%	1.84%	3.31%	4.43%	0.45%	-1.55%	-4.75%
EBITDA	124M	168M	196.7M	203.2M	115.4M	151.1M	174.7M	102.6M	77.5M	137.3M
EPS	0.82	1.7	2.27	1.91	0.43	0.87	1.2	0.13	-0.5	-1.79
Diluted EPS	0.8	1.61	2.18	1.88	0.42	0.85	1.19	0.13	-0.5	-1.79

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	353M	366M	452M	407.1M	409.7M	455M	558.9M	504.2M	494.8M	522.6M	656.2M	595.9M
Cost of revenue	221.8M	225.2M	263.9M	270.5M	291.6M	317.7M	352.9M	358.7M	374.3M	405.1M	435.9M	455.3M
Gross profit	131.2M	140.9M	188M	136.6M	118.1M	137.3M	206M	145.5M	120.5M	117.5M	220.3M	140.6M
Gross margin	37.2%	38.5%	41.6%	33.6%	28.8%	30.2%	36.9%	28.9%	24.4%	22.5%	33.6%	23.6%
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	138.3M	168M	178.9M	161.5M	122.7M	124.1M	146.6M	133.7M	135M	144.5M	152.8M	142.9M
Operating expenses	138.3M	168M	178.9M	161.5M	122.7M	124.1M	146.6M	133.7M	135M	144.5M	152.8M	142.9M
Operating income	-7.1M	-27.2M	9.1M	-24.9M	-4.5M	13.2M	59.4M	11.8M	-14.5M	-27M	67.5M	-2.2M
Operating margin	-2%	-7.42%	2.01%	-6.13%	-1.1%	2.9%	10.6%	2.33%	-2.93%	-5.17%	10.3%	-0.38%
Non-operating income, net	-802K	1M	-1.8M	-4.5M	-3.7M	-5.3M	-25.7M	-74.7M	-21.2M	-5.3M	95K	-109K
Pretax income	-7.9M	-26.1M	7.3M	-29.5M	-8.2M	7.9M	33.7M	-62.9M	-35.7M	-32.3M	67.6M	-2.4M
Income tax	-1.6M	-2.5M	2.5M	-754K	-374K	2.8M	7.9M	-15.9M	-4.9M	14.5M	13.9M	-268K
Net income	-6.3M	-23.6M	4.8M	-28.7M	-7.8M	5.1M	25.8M	-47M	-30.8M	-46.8M	53.8M	-2.1M
Net margin	-1.77%	-6.45%	1.05%	-7.05%	-1.91%	1.12%	4.61%	-9.33%	-6.22%	-8.96%	8.19%	-0.35%
EBITDA	13.3M	-5.1M	31.2M	-3.7M	16.2M	33.8M	79.7M	33M	26.9M	-2.4M	90.9M	21.6M
EPS	-0.12	-0.45	0.09	-0.54	-0.15	0.09	0.47	-0.85	-0.56	-0.84	0.96	-0.04
Diluted EPS	-0.12	-0.45	0.09	-0.54	-0.15	0.09	0.47	-0.85	-0.56	-0.84	0.93	-0.04

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	1.2B	3B	4.2B	1.2B	2.9B	2B	844M	517.3M	569.5M	705.8M	701.5M
Enterprise value	487.9M	2.2B	3.1B	210.9M	1.5B	652.3M	73.5M	-131.8M	-987.4M	-650.4M	-379.8M
Shares outstanding	49.5M	50.5M	52.2M	52.2M	52.4M	54.1M	53.4M	52.3M	53.5M	55.1M	55.1M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	28	35.4	35	12.2	126.5	41.3	13.1	77	—	—	73.2
P/S	1.61	3.38	3.9	1.1	2.33	1.37	0.58	0.34	0.33	0.34	0.31
P/B	1.71	3.98	4.56	1.31	2.9	1.83	1.08	0.6	0.65	0.79	0.75
EV/EBITDA	3.93	13	15.7	1.04	12.6	4.32	0.42	-1.28	-12.7	-4.74	-2.77
EV/Sales	0.67	2.43	2.91	0.19	1.16	0.46	0.05	-0.09	-0.57	-0.31	-0.17
Earnings yield	3.57%	2.82%	2.86%	8.21%	0.79%	2.42%	7.61%	1.3%	—	—	1.37%
FCF yield	6.11%	5.73%	4.58%	9.18%	5.13%	5.59%	22.9%	4.17%	1.25%	9.35%	-14.1%
PEG	—	—	—	—	—	—	—	—	—	—	-0.77

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	62%	59.9%	61.7%	63.8%	57.9%	54.4%	49.9%	41.3%	33.6%	28.3%	23.6%
Operating margin	8.48%	11.5%	11.8%	10.9%	2.34%	4.63%	6.49%	1.31%	-0.42%	1.42%	0.86%
Net margin	5.73%	9.53%	11.1%	9.01%	1.84%	3.31%	4.43%	0.45%	-1.55%	-4.75%	-1.13%
ROE	6.08%	11.2%	13%	10.8%	2.29%	4.43%	8.22%	0.78%	-3.06%	-11.1%	-2.79%
ROA	2.39%	3.91%	5.19%	4.06%	0.56%	1%	1.34%	0.14%	-0.49%	-1.65%	-0.44%
ROIC	822.6%	-98.8%	-82.2%	-128.2%	-5.28%	-20.9%	657.7%	4.29%	1.05%	-6.36%	-17.2%
Return on tangible assets	4.96%	8.32%	10%	7.04%	0.74%	1.25%	1.65%	0.17%	-0.58%	-1.89%	-0.45%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	1.05	0.99	1.03	1	0.78	0.5	0.37	0.41	0.54	0.52	0.45
Quick ratio	1.05	0.99	1.03	1	0.78	0.5	0.37	0.41	0.54	0.52	0.45
Debt / equity	0.15	0.1	0.06	0.07	0.02	0.01	0.06	0.08	0.07	0.07	0
Debt / assets	0.06	0.04	0.03	0.03	0.01	0	0.01	0.01	0.01	0.01	0.01
Net debt / EBITDA	-5.47	-5.07	-5.37	-4.95	-12.7	-8.65	-4.41	-6.33	-20.1	-9.88	-7.87
Interest coverage	6.75	17.7	24.8	64.9	38.5	442.2	369.1	—	—	—	—
Effective tax rate	32.4%	17%	4.13%	17.5%	17.7%	25.5%	23.5%	54.1%	0%	0%	0%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	14.7	17.9	20.4	21.2	23.9	26.5	27.2	28.7	32.2	37.8	41
EPS (basic)	0.82	1.7	2.27	1.91	0.43	0.87	1.2	0.13	-0.5	-1.79	-1.79
EPS (diluted)	0.8	1.61	2.18	1.88	0.42	0.85	1.19	0.13	-0.5	-1.79	-0.51
Book value per share	13.8	15.1	17.4	17.8	19.3	19.8	14.6	16.4	16.3	16.2	16.5
FCF per share	1.44	3.45	3.64	2.14	2.86	2.03	3.62	0.41	0.13	1.2	1.46
Cash per share	15.7	18.4	21.3	20.6	28.4	24.5	15.3	13.7	30.2	25.8	20.1
Capex per share	0.87	0.87	1.17	1.5	1.13	1.06	1.58	1.45	1.39	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	5.96%	4.9%	5.73%	7.06%	4.71%	4.01%	5.82%	5.06%	4.31%	—	—
Capex / operating cash flow	116.4%	28.4%	24.8%	40.6%	33.6%	44%	40.6%	210.7%	227.5%	—	—
Payout ratio	—	—	—	—	—	—	—	—	—	—	0%

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$353M	$366M	$452M	$407.1M	$409.7M	$455M	$558.9M	$504.2M	$494.8M	$522.6M	$656.2M	$595.9M
YoY change	+2.7%	+6.9%	+8.55%	+11.3%	+16.1%	+24.3%	+23.6%	+23.8%	+20.8%	+14.9%	+17.4%	+18.2%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	779.4M	931.1M	1.1B	1.1B	1.5B	1.3B	813.9M	716.1M	1.6B	1.4B
Receivables	4.4M	7.6M	10.4M	17.5M	26.5M	35.8M	27.5M	34M	39.5M	48.2M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	1B	1.3B	1.4B	1.4B	2.4B	1.8B	1.5B	1.6B	2.4B	2.6B
Property, plant & equipment	91.6M	106.2M	131.7M	171.2M	145.9M	145.7M	167.9M	184.1M	198.6M	198.8M
Goodwill & intangibles	902.1M	1.2B	1.1B	1B	983.6M	933.9M	890.2M	841M	795.9M	748.8M
Total assets	1.7B	2.2B	2.3B	2.5B	4.1B	4.7B	4.8B	4.8B	5.4B	6B
Accounts payable	22.9M	34.9M	38.6M	37.9M	34.8M	51.4M	113.9M	119.9M	103.8M	114.7M
Short-term debt	21M	20.9M	58.7M	8.8M	8.2M	6.9M	3.2M	64.4M	2.4M	325K
Total current liabilities	960.8M	1.3B	1.3B	1.4B	3.1B	3.6B	4B	4B	4.5B	5B
Long-term debt	79.7M	58.7M	0	59.4M	16.4M	8.2M	40.2M	2.7M	57.2M	65.1M
Total liabilities	1.1B	1.4B	1.4B	1.5B	3.1B	3.7B	4B	4B	4.6B	5.1B
Shareholders' equity	683.7M	764.5M	909.8M	927.4M	1B	1.1B	781.5M	859.4M	873.6M	890.2M
Total debt	100.7M	79.6M	58.7M	68.2M	24.6M	15.1M	43.4M	67.1M	59.6M	65.5M
Net debt	-632M	-839.6M	-1B	-995.2M	-1.5B	-1.3B	-770.5M	-615.2M	-1.5B	-1.4B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	751M	716.1M	1.2B	1.4B	1.5B	1.6B	1.9B	2.3B	1.6B	1.4B	1.6B	1.1B
Receivables	29.8M	34M	39.7M	34.6M	39.9M	39.5M	48M	54.9M	53.1M	48.2M	82.5M	46.8M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	1.5B	1.6B	2.2B	2.4B	2.2B	2.4B	2.7B	3.2B	2.6B	2.6B	2.8B	2.3B
Property, plant & equipment	180.6M	184.1M	179.7M	179.1M	185.2M	198.6M	204.7M	207.6M	203.6M	198.8M	200M	201.1M
Goodwill & intangibles	425.9M	841M	414.1M	407.9M	403.3M	795.9M	392.1M	385.9M	380.5M	748.8M	369M	363.3M
Total assets	4.7B	4.8B	5.3B	5.5B	5.3B	5.4B	5.7B	5.6B	5.8B	6B	6.7B	6.2B
Accounts payable	109.4M	119.9M	107.8M	99.5M	95M	103.8M	116.4M	111.6M	107.1M	114.7M	101.4M	59M
Short-term debt	3.5M	64.4M	48.4M	64.7M	2.1M	2.4M	2.3M	2.9M	1.4M	325K	500.4M	356K
Total current liabilities	3.8B	4B	4.4B	4.6B	4.3B	4.5B	4.7B	4.6B	4.8B	5B	5.6B	5.2B
Long-term debt	30.5M	2.7M	1.8M	1.7M	45.7M	57.2M	71.1M	70.5M	65.1M	65.1M	65.1M	65.2M
Total liabilities	3.9B	4B	4.5B	4.6B	4.4B	4.6B	4.8B	4.7B	4.9B	5.1B	5.7B	5.3B
Shareholders' equity	795.1M	859.4M	870.6M	870M	932.2M	873.6M	947.7M	920.9M	913.3M	890.2M	940.5M	939.4M
Total debt	34M	67.1M	50.2M	66.3M	47.9M	59.6M	73.4M	73.4M	66.5M	65.5M	565.5M	65.5M
Net debt	-677.4M	-615.2M	-1.1B	-1.3B	-1.4B	-1.5B	-1.7B	-2.2B	-1.6B	-1.4B	-1.1B	-1.1B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	41.6M	85.9M	118.7M	99.9M	23.1M	47.5M	64.2M	6.7M	-26.7M	-98.9M
Depreciation & amortization	62.5M	64.6M	71.3M	82.1M	86.1M	84.8M	80.6M	83M	84.7M	85.5M
Stock-based compensation	28.3M	40.7M	50.1M	29.6M	53.7M	51.4M	34.8M	33.7M	29.9M	18.7M
Change in working capital	-95.5M	-30.7M	1.8M	-25.5M	27.6M	-56.1M	39.4M	-71.4M	-42.9M	-84.4M
Operating cash flow	37.2M	155.2M	246.6M	192.4M	175.7M	130.4M	207.7M	36M	32.7M	138.6M
Capital expenditure	-43.3M	-44.1M	-61M	-78.2M	-59M	-57.4M	-84.3M	-75.9M	-74.3M	—
Investing cash flow	-72M	-145.2M	-115M	-153.9M	-785.8M	-1.4B	-820.2M	33.2M	81.4M	-378M
Dividends paid	—	—	—	—	—	—	—	—	—	—
Share repurchases	-59M	-52M	0	-100M	0	0	-95.5M	0	0	—
Financing cash flow	-235.6M	-167M	-72.8M	-72.4M	955.2M	1B	30.5M	-269.6M	738.2M	137.6M
Net change in cash	-270.4M	-157M	58.8M	-33.8M	345.1M	-215.7M	-582M	-200.4M	852.2M	-101.8M
Free cash flow	71.2M	174.2M	190M	111.7M	150.1M	109.6M	193.4M	21.6M	7.1M	66M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	-6.3M	-23.6M	4.8M	-28.7M	-7.8M	5.1M	25.8M	-47M	-30.8M	-46.8M	53.8M	-2.1M
Depreciation & amortization	20.4M	22.1M	22.1M	21.2M	20.7M	20.7M	20.4M	21.3M	21.5M	22.4M	23.3M	23.8M
Stock-based compensation	7.9M	6M	8.6M	7.2M	8.2M	5.9M	3M	5.7M	5.3M	4.7M	4.5M	3.3M
Change in working capital	-16.9M	-59.5M	20.2M	14.1M	-17.1M	-48.1M	18.4M	-4.8M	-52.9M	-38.8M	-10.2M	54.7M
Operating cash flow	5.4M	-56M	54.3M	13.1M	4.3M	-16.7M	65.6M	69M	23.3M	-62.5M	95.1M	99.6M
Capital expenditure	-17.4M	-20.4M	-14.5M	-17M	-20.7M	-22.1M	-19.4M	—	—	—	—	—
Investing cash flow	28M	14.7M	-4.5M	12.3M	78M	-4.4M	-63.5M	584.6M	-769.3M	-149.2M	-547.6M	-41.3M
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	0	0	—	—	—	—	—	—	—	—	—	—
Financing cash flow	-25.7M	-139.9M	267.9M	65.7M	-58.4M	402M	135.2M	-97.1M	90.6M	8.9M	695.4M	-541.4M
Net change in cash	7.7M	-181.2M	317.6M	91M	24M	380.9M	137.3M	556.5M	-655.4M	-202.8M	242.9M	-483.1M
Free cash flow	-12.7M	-55.4M	74.7M	14.5M	-37M	-45.1M	89.3M	49.5M	3.5M	-76.3M	76M	79.8M

Green Dot Corporation Class A Common Stock Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement