Green Dot (GDOT) Financials

$9.06 -0.16 (-1.68%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$9.24 +0.19 (+2.09%)

As of 05/23/2025 07:47 PM Eastern

Annual Income Statements for Green Dot

This table shows Green Dot's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	-27	6.72	64
Consolidated Net Income / (Loss)	-27	6.72	64
Net Income / (Loss) Continuing Operations	-27	6.72	64
Total Pre-Tax Income	-23	15	84
Total Operating Income	-1.67	23	94
Total Gross Profit	1,473	1,263	1,206
Total Revenue	1,724	1,501	1,450
Operating Revenue	1,724	1,501	1,450
Total Cost of Revenue	251	239	244
Operating Cost of Revenue	251	239	244
Total Operating Expenses	1,475	1,240	1,111
Selling, General & Admin Expense	1,257	995	813
Marketing Expense	217	245	298
Total Other Income / (Expense), net	-21	-8.04	-10
Interest & Investment Income	-5.51	-3.03	-0.26
Other Income / (Expense), net	-15	-5.01	-10
Income Tax Expense	4.16	7.91	20
Basic Earnings per Share	($0.50)	$0.13	$1.20
Weighted Average Basic Shares Outstanding	53.53M	52.25M	53.35M
Diluted Earnings per Share	($0.50)	$0.13	$1.19
Weighted Average Diluted Shares Outstanding	53.53M	52.51M	53.87M
Weighted Average Basic & Diluted Shares Outstanding	54.23M	52.83M	51.72M

This table shows Green Dot's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	5.10	-7.84	-29	4.75	-24	-6.27	0.58	36	5.88	4.70
Consolidated Net Income / (Loss)	5.10	-7.84	-29	4.75	-24	-6.27	0.58	36	5.88	4.70
Net Income / (Loss) Continuing Operations	5.10	-7.84	-29	4.75	-24	-6.27	0.58	36	5.88	4.70
Total Pre-Tax Income	7.86	-8.21	-29	7.29	-26	-7.88	2.32	46	6.83	6.49
Total Operating Income	14	-2.93	-24	11	-26	-6.84	4.79	51	8.08	11
Total Gross Profit	394	348	346	385	320	294	301	348	284	282
Total Revenue	455	410	407	452	366	353	366	416	342	344
Operating Revenue	455	410	407	452	366	353	366	416	342	344
Total Cost of Revenue	61	62	61	67	46	59	65	69	58	62
Operating Cost of Revenue	61	62	61	67	46	59	65	69	58	62
Total Operating Expenses	251	351	431	441	213	301	361	365	276	271
Selling, General & Admin Expense	330	298	316	312	296	244	233	221	206	204
Marketing Expense	49	53	53	62	51	56	63	75	70	67
Total Other Income / (Expense), net	-6.52	-5.28	-5.80	-3.27	0.13	-1.04	-2.46	-4.67	-1.25	-4.28
Other Income / (Expense), net	-5.32	-3.71	-4.53	-1.81	1.04	-0.80	-2.22	-3.02	-1.14	-4.25
Income Tax Expense	2.75	-0.37	-0.75	2.54	-2.54	-1.62	1.75	10	0.94	1.79
Basic Earnings per Share	$0.10	($0.15)	($0.54)	$0.09	($0.46)	($0.12)	$0.01	$0.70	$0.13	$0.09
Weighted Average Basic Shares Outstanding	53.53M	53.72M	53.45M	52.94M	52.25M	52.37M	52.19M	51.81M	53.35M	53.05M
Diluted Earnings per Share	$0.10	($0.15)	($0.54)	$0.09	($0.45)	($0.12)	$0.01	$0.69	$0.13	$0.09
Weighted Average Diluted Shares Outstanding	53.53M	53.72M	53.45M	53.27M	52.51M	52.37M	52.44M	52.02M	53.87M	53.38M
Weighted Average Basic & Diluted Shares Outstanding	54.23M	53.79M	53.71M	53.21M	52.83M	52.45M	52.35M	52.04M	51.72M	52.57M

This table details how cash moves in and out of Green Dot's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	906	-133	-506
Net Cash From Operating Activities	81	98	278
Net Cash From Continuing Operating Activities	81	98	278
Net Income / (Loss) Continuing Operations	-27	6.72	64
Consolidated Net Income / (Loss)	-27	6.72	64
Depreciation Expense	63	59	57
Amortization Expense	19	22	22
Non-Cash Adjustments To Reconcile Net Income	98	90	96
Changes in Operating Assets and Liabilities, net	-73	-80	38
Net Cash From Investing Activities	81	33	-820
Net Cash From Continuing Investing Activities	81	33	-820
Purchase of Property, Plant & Equipment	-74	-76	-84
Acquisitions	-35	-35	-35
Purchase of Investments	-40	-29	-996
Sale and/or Maturity of Investments	233	177	297
Other Investing Activities, net	-2.57	-3.78	-2.56
Net Cash From Financing Activities	743	-264	37
Net Cash From Continuing Financing Activities	743	-264	37
Repayment of Debt	-300	-256	-70
Repurchase of Common Equity	0.00	0.00	-96
Payment of Dividends	0.00	0.00	-1.65
Issuance of Debt	288	282	100
Issuance of Common Equity	5.00	5.57	6.18
Other Financing Activities, net	751	-296	97
Cash Interest Paid	13	5.92	0.63
Cash Income Taxes Paid	14	24	13

This table details how cash moves in and out of Green Dot's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	139	136	198	433	-29	50	-61	-94	0.77	37
Net Cash From Operating Activities	-23	-16	31	89	-35	4.68	27	101	26	65
Net Cash From Continuing Operating Activities	-23	-16	31	89	-35	4.68	27	101	26	65
Net Income / (Loss) Continuing Operations	5.10	-7.84	-29	4.75	-24	-6.27	0.58	36	5.88	4.70
Consolidated Net Income / (Loss)	5.10	-7.84	-29	4.75	-24	-6.27	0.58	36	5.88	4.70
Depreciation Expense	16	15	16	16	16	15	14	14	14	14
Amortization Expense	4.61	4.77	4.82	5.10	5.11	5.05	6.71	5.11	5.12	5.32
Non-Cash Adjustments To Reconcile Net Income	21	22	30	26	27	16	23	24	15	26
Changes in Operating Assets and Liabilities, net	-69	-51	10	37	-60	-25	-17	22	-15	15
Net Cash From Investing Activities	-4.42	78	12	-4.53	15	28	23	-33	7.92	-179
Net Cash From Continuing Investing Activities	-4.42	78	12	-4.53	15	28	23	-33	7.92	-179
Purchase of Property, Plant & Equipment	-22	-21	-17	-14	-20	-17	-19	-20	-24	-24
Purchase of Investments	-3.49	-16	20	-40	-7.41	-3.70	-2.80	-15	-48	-234
Sale and/or Maturity of Investments	78	60	49	46	45	49	45	37	49	80
Other Investing Activities, net	-57	55	-39	39	-2.51	-0.40	-0.63	-0.24	31	-0.41
Net Cash From Financing Activities	166	75	154	348	-8.74	17	-111	-162	-33	151
Net Cash From Continuing Financing Activities	166	75	154	348	-8.74	17	-111	-162	-33	151
Repayment of Debt	-0.18	-134	-86	-80	-95	-43	-	-118	-20	-
Issuance of Debt	4.95	116	103	64	129	70	-	83	50	-
Issuance of Common Equity	2.28	-	2.72	0.00	2.15	-	3.27	0.14	2.73	0.03
Other Financing Activities, net	159	93	135	364	-45	-9.70	-114	-127	-45	181
Cash Interest Paid	3.07	3.54	3.04	3.32	2.31	0.89	0.71	2.02	0.29	0.01
Cash Income Taxes Paid	7.59	4.78	1.02	0.20	7.25	7.81	8.78	0.51	3.21	5.67

This table presents Green Dot's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	5,434	4,817	4,789
Total Current Assets	2,428	1,638	1,466
Cash & Equivalents	1,592	682	814
Restricted Cash	0.04	4.24	5.90
Short-Term Investments	24	34	0.00
Accounts Receivable	132	110	74
Prepaid Expenses	63	69	78
Other Current Assets	616	738	493
Plant, Property, & Equipment, net	188	179	160
Total Noncurrent Assets	2,818	3,000	3,163
Noncurrent Note & Lease Receivables	32	31	21
Goodwill	398	420	445
Noncurrent Deferred & Refundable Income Taxes	124	117	117
Other Noncurrent Operating Assets	2,263	2,432	2,579
Total Liabilities & Shareholders' Equity	5,434	4,817	4,789
Total Liabilities	4,561	3,958	4,008
Total Current Liabilities	4,502	3,953	3,962
Short-Term Debt	0.00	61	0.00
Accounts Payable	104	120	114
Customer Deposits	4,011	3,294	3,450
Current Deferred Revenue	6.28	6.34	25
Current Deferred & Payable Income Tax Liabilities	6.65	6.26	12
Other Current Liabilities	375	466	361
Total Noncurrent Liabilities	58	4.58	46
Long-Term Debt	49	0.00	35
Other Noncurrent Operating Liabilities	9.69	4.58	11
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	874	859	781
Total Preferred & Common Equity	874	859	781
Total Common Equity	874	859	781
Common Stock	408	376	341
Retained Earnings	744	770	764
Accumulated Other Comprehensive Income / (Loss)	-278	-287	-323

This table presents Green Dot's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	5,285	5,517	5,321	4,664	4,573	4,686	4,693
Total Current Assets	2,219	2,425	2,224	1,540	1,323	1,346	1,361
Cash & Equivalents	1,454	1,317	1,119	711	661	722	813
Restricted Cash	0.04	0.22	0.23	4.04	4.00	4.01	5.86
Short-Term Investments	43	62	60	40	16	16	-
Accounts Receivable	85	76	89	66	61	57	67
Prepaid Expenses	49	52	80	65	57	64	65
Current Deferred & Refundable Income Taxes	1.32	1.84	-	-	-	-	0.72
Other Current Assets	587	916	876	654	524	483	409
Plant, Property, & Equipment, net	181	175	175	175	172	166	150
Total Noncurrent Assets	2,885	2,917	2,921	2,949	3,078	3,174	3,181
Noncurrent Note & Lease Receivables	33	35	40	28	30	32	21
Goodwill	403	408	414	426	431	439	450
Noncurrent Deferred & Refundable Income Taxes	128	148	129	132	119	111	108
Other Noncurrent Operating Assets	2,320	2,326	2,338	2,363	2,499	2,593	2,603
Total Liabilities & Shareholders' Equity	5,285	5,517	5,321	4,664	4,573	4,686	4,693
Total Liabilities	4,353	4,647	4,450	3,868	3,732	3,826	3,912
Total Current Liabilities	4,306	4,644	4,447	3,816	3,725	3,816	3,902
Short-Term Debt	0.00	62	45	-	-	-	-
Accounts Payable	95	99	108	109	106	112	116
Customer Deposits	3,838	3,905	3,743	3,194	3,235	3,345	3,477
Current Deferred Revenue	7.18	6.06	5.63	6.31	7.99	15	14
Current Deferred & Payable Income Tax Liabilities	2.50	8.31	8.51	4.31	14	21	8.12
Other Current Liabilities	363	564	537	503	363	322	288
Total Noncurrent Liabilities	47	3.07	3.50	52	6.32	10	10
Long-Term Debt	44	-	-	27	0.00	0.00	-
Other Noncurrent Operating Liabilities	3.29	3.07	3.50	25	6.32	10	10
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	932	870	871	795	841	861	780
Total Preferred & Common Equity	932	870	871	795	841	861	780
Total Common Equity	932	870	871	795	841	861	780
Common Stock	401	393	383	368	361	347	357
Retained Earnings	738	746	775	794	800	800	758
Accumulated Other Comprehensive Income / (Loss)	-207	-269	-288	-367	-320	-286	-335

This table displays calculated financial ratios and metrics derived from Green Dot's official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	14.82%	3.57%	1.14%
EBITDA Growth	-33.22%	-39.79%	8.03%
EBIT Growth	-196.45%	-79.02%	31.83%
NOPAT Growth	-111.21%	-85.58%	45.74%
Net Income Growth	-497.23%	-89.53%	35.24%
EPS Growth	-484.62%	-89.08%	40.00%
Operating Cash Flow Growth	-16.55%	-64.88%	66.25%
Free Cash Flow Firm Growth	562.99%	91.59%	-338.51%
Invested Capital Growth	-447.26%	6,044.98%	99.86%
Revenue Q/Q Growth	5.44%	1.60%	0.81%
EBITDA Q/Q Growth	101.40%	-23.37%	11.38%
EBIT Q/Q Growth	66.81%	-64.56%	29.35%
NOPAT Q/Q Growth	96.06%	-75.99%	25.43%
Net Income Q/Q Growth	51.81%	-81.44%	34.32%
EPS Q/Q Growth	52.38%	-81.69%	36.78%
Operating Cash Flow Q/Q Growth	17.16%	-38.30%	2.14%
Free Cash Flow Firm Q/Q Growth	59.97%	-207.95%	-26.18%
Invested Capital Q/Q Growth	-33.31%	198.02%	91.36%
Profitability Metrics	-	-	-
Gross Margin	85.44%	84.11%	83.17%
EBITDA Margin	3.81%	6.55%	11.27%
Operating Margin	-0.10%	1.51%	6.51%
EBIT Margin	-0.99%	1.18%	5.81%
Profit (Net Income) Margin	-1.55%	0.45%	4.43%
Tax Burden Percent	118.47%	45.94%	76.51%
Interest Burden Percent	132.33%	82.86%	99.70%
Effective Tax Rate	0.00%	54.06%	23.49%
Return on Invested Capital (ROIC)	0.00%	10.59%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	11.10%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-9.77%	0.00%
Return on Equity (ROE)	-3.08%	0.82%	6.93%
Cash Return on Invested Capital (CROIC)	0.00%	-96.47%	0.00%
Operating Return on Assets (OROA)	-0.33%	0.37%	1.77%
Return on Assets (ROA)	-0.52%	0.14%	1.35%
Return on Common Equity (ROCE)	-3.08%	0.82%	6.93%
Return on Equity Simple (ROE_SIMPLE)	-3.06%	0.78%	8.22%
Net Operating Profit after Tax (NOPAT)	-1.17	10	72
NOPAT Margin	-0.07%	0.69%	4.98%
Net Nonoperating Expense Percent (NNEP)	-2.29%	-0.51%	-0.38%
Return On Investment Capital (ROIC_SIMPLE)	-0.13%	1.13%	8.84%
Cost of Revenue to Revenue	14.56%	15.89%	16.83%
SG&A Expenses to Revenue	72.93%	66.26%	56.11%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	85.53%	82.60%	76.66%
Earnings before Interest and Taxes (EBIT)	-17	18	84
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	66	98	163
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.66	0.60	1.06
Price to Tangible Book Value (P/TBV)	1.20	1.18	2.47
Price to Revenue (P/Rev)	0.33	0.35	0.57
Price to Earnings (P/E)	0.00	77.25	12.95
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	0.00%	1.29%	7.72%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.03
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.29
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.56
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.65
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.17
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00
Leverage & Solvency	-	-	-
Debt to Equity	0.06	0.07	0.04
Long-Term Debt to Equity	0.06	0.00	0.04
Financial Leverage	-1.29	-0.88	-2.28
Leverage Ratio	5.92	5.85	5.14
Compound Leverage Factor	7.83	4.85	5.12
Debt to Total Capital	5.26%	6.63%	4.29%
Short-Term Debt to Total Capital	0.00%	6.63%	0.00%
Long-Term Debt to Total Capital	5.26%	0.00%	4.29%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	94.74%	93.37%	95.71%
Debt to EBITDA	0.74	0.62	0.21
Net Debt to EBITDA	-23.87	-6.70	-4.80
Long-Term Debt to EBITDA	0.74	0.00	0.21
Debt to NOPAT	-41.56	5.86	0.48
Net Debt to NOPAT	1,342.98	-63.32	-10.87
Long-Term Debt to NOPAT	-41.56	0.00	0.48
Altman Z-Score	0.12	0.05	0.08
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Current Ratio	0.54	0.41	0.37
Quick Ratio	0.39	0.21	0.22
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	893	-193	-2,295
Operating Cash Flow to CapEx	109.55%	128.41%	329.30%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.34	0.31	0.30
Accounts Receivable Turnover	14.24	16.27	18.72
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	9.38	8.84	9.81
Accounts Payable Turnover	2.25	2.04	2.94
Days Sales Outstanding (DSO)	25.64	22.44	19.49
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	162.57	178.85	124.01
Cash Conversion Cycle (CCC)	-136.94	-156.42	-104.52
Capital & Investment Metrics	-	-	-
Invested Capital	-694	200	-3.36
Invested Capital Turnover	-6.97	15.27	-1.22
Increase / (Decrease) in Invested Capital	-894	203	2,367
Enterprise Value (EV)	-996	-140	47
Market Capitalization	572	519	832
Book Value per Share	$16.24	$16.38	$14.87
Tangible Book Value per Share	$8.84	$8.37	$6.40
Total Capital	922	920	816
Total Debt	49	61	35
Total Long-Term Debt	49	0.00	35
Net Debt	-1,568	-659	-785
Capital Expenditures (CapEx)	74	76	84
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-3,691	-2,975	-3,316
Debt-free Net Working Capital (DFNWC)	-2,074	-2,254	-2,496
Net Working Capital (NWC)	-2,074	-2,315	-2,496
Net Nonoperating Expense (NNE)	26	3.69	8.00
Net Nonoperating Obligations (NNO)	-1,568	-659	-785
Total Depreciation and Amortization (D&A)	83	81	79
Debt-free, Cash-free Net Working Capital to Revenue	-214.10%	-198.13%	-228.74%
Debt-free Net Working Capital to Revenue	-120.33%	-150.15%	-172.18%
Net Working Capital to Revenue	-120.33%	-154.22%	-172.18%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	($0.50)	$0.13	$1.20
Adjusted Weighted Average Basic Shares Outstanding	53.53M	52.25M	53.35M
Adjusted Diluted Earnings per Share	($0.50)	$0.13	$1.19
Adjusted Weighted Average Diluted Shares Outstanding	53.53M	52.51M	53.87M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	54.23M	52.83M	51.72M
Normalized Net Operating Profit after Tax (NOPAT)	-1.17	16	72
Normalized NOPAT Margin	-0.07%	1.06%	4.98%
Pre Tax Income Margin	-1.31%	0.97%	5.79%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	0.00%	0.00%	2.56%
Augmented Payout Ratio	0.00%	0.00%	151.33%

This table displays calculated financial ratios and metrics derived from Green Dot's official financial filings.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	24.31%	16.07%	11.27%	8.55%	6.90%	2.70%	0.86%	3.93%	3.50%	1.25%
EBITDA Growth	890.87%	12.12%	-132.63%	-54.66%	-114.13%	-53.90%	-41.97%	-5.75%	174.00%	-19.36%
EBIT Growth	135.89%	13.14%	-1,200.59%	-81.77%	-463.73%	-217.27%	-87.13%	-5.61%	157.03%	-32.68%
NOPAT Growth	150.77%	57.13%	-1,491.80%	-82.65%	-364.04%	-161.45%	-93.42%	0.93%	222.18%	15.96%
Net Income Growth	121.62%	-25.14%	-5,067.99%	-86.81%	-501.14%	-233.41%	-96.15%	-6.76%	155.92%	-35.98%
EPS Growth	122.22%	-25.00%	-5,500.00%	-86.96%	-446.15%	-233.33%	-96.30%	-1.43%	168.42%	-30.77%
Operating Cash Flow Growth	34.12%	-447.69%	15.65%	-11.29%	-236.41%	-92.76%	-62.08%	-13.07%	29.32%	132.66%
Free Cash Flow Firm Growth	507.59%	628.78%	124.38%	115.03%	90.60%	94.07%	-762.26%	-1,769.93%	-360.23%	-489.76%
Invested Capital Growth	-447.26%	-876.29%	-379.35%	-321.56%	6,044.98%	272.39%	107.07%	104.74%	99.86%	97.97%
Revenue Q/Q Growth	11.05%	0.64%	-9.93%	23.48%	3.69%	-3.51%	-12.13%	21.59%	-0.38%	-5.24%
EBITDA Q/Q Growth	115.84%	280.03%	-124.95%	915.65%	-130.60%	-47.61%	-65.32%	154.12%	-0.13%	-34.06%
EBIT Q/Q Growth	236.46%	76.46%	-422.47%	134.65%	-230.22%	-398.24%	-94.66%	591.52%	6.46%	-67.26%
NOPAT Q/Q Growth	554.96%	87.61%	-340.81%	137.41%	-284.15%	-502.19%	-97.00%	469.13%	-10.59%	-56.91%
Net Income Q/Q Growth	165.09%	72.70%	-704.53%	120.12%	-276.74%	-1,183.91%	-98.40%	512.03%	25.30%	-68.71%
EPS Q/Q Growth	166.67%	72.22%	-700.00%	120.00%	-275.00%	-1,300.00%	-98.55%	430.77%	44.44%	-66.67%
Operating Cash Flow Q/Q Growth	-41.36%	-151.68%	-64.68%	355.31%	-846.03%	-82.81%	-72.91%	292.63%	-60.38%	-10.01%
Free Cash Flow Firm Q/Q Growth	54.24%	-0.89%	51.88%	275.57%	-100.10%	95.43%	6.39%	-9.78%	-26.31%	-610.23%
Invested Capital Q/Q Growth	-33.31%	-16.38%	-69.87%	-231.76%	198.02%	-58.12%	34.73%	3,635.40%	91.36%	98.28%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	86.58%	84.92%	84.93%	85.22%	87.54%	83.24%	82.24%	83.48%	83.01%	82.00%
EBITDA Margin	6.45%	3.32%	-1.86%	6.70%	-1.01%	3.44%	6.33%	16.04%	7.67%	7.66%
Operating Margin	3.16%	-0.72%	-5.81%	2.34%	-7.18%	-1.94%	1.31%	12.25%	2.36%	3.13%
EBIT Margin	1.99%	-1.62%	-6.93%	1.93%	-6.89%	-2.16%	0.70%	11.52%	2.03%	1.90%
Profit (Net Income) Margin	1.12%	-1.91%	-7.05%	1.05%	-6.45%	-1.77%	0.16%	8.65%	1.72%	1.37%
Tax Burden Percent	64.95%	95.45%	97.44%	65.18%	90.30%	79.51%	24.87%	77.73%	86.21%	72.37%
Interest Burden Percent	86.75%	123.76%	104.51%	83.34%	103.59%	103.13%	90.71%	96.57%	98.39%	99.59%
Effective Tax Rate	35.05%	0.00%	0.00%	34.82%	0.00%	0.00%	75.13%	22.27%	13.79%	27.63%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	-76.72%	-142.23%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	-76.00%	-142.03%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	66.89%	139.49%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	-3.08%	-6.42%	-6.29%	-2.84%	-9.83%	-2.73%	5.39%	6.68%	6.93%	5.13%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	-96.47%	-93.36%	-1,478.91%	-2,150.71%	0.00%	0.00%
Operating Return on Assets (OROA)	0.67%	-0.53%	-2.17%	0.59%	-2.15%	-0.68%	0.22%	3.48%	0.62%	0.60%
Return on Assets (ROA)	0.38%	-0.63%	-2.21%	0.32%	-2.02%	-0.56%	0.05%	2.61%	0.52%	0.43%
Return on Common Equity (ROCE)	-3.08%	-6.42%	-6.29%	-2.83%	-9.83%	-2.73%	5.39%	6.68%	6.93%	5.13%
Return on Equity Simple (ROE_SIMPLE)	0.00%	-5.94%	-6.19%	-2.82%	0.00%	4.55%	5.61%	7.16%	0.00%	6.13%
Net Operating Profit after Tax (NOPAT)	9.34	-2.05	-17	6.88	-18	-4.79	1.19	40	6.97	7.79
NOPAT Margin	2.05%	-0.50%	-4.07%	1.52%	-5.02%	-1.36%	0.33%	9.52%	2.03%	2.27%
Net Nonoperating Expense Percent (NNEP)	-0.38%	-0.53%	-1.22%	-0.23%	-0.72%	-0.19%	-0.03%	-0.17%	-0.05%	-0.16%
Return On Investment Capital (ROIC_SIMPLE)	1.01%	-	-	-	-2.00%	-	-	-	0.85%	-
Cost of Revenue to Revenue	13.42%	15.08%	15.07%	14.78%	12.46%	16.76%	17.76%	16.52%	16.99%	18.00%
SG&A Expenses to Revenue	72.59%	72.79%	77.74%	69.08%	80.84%	69.17%	63.76%	53.17%	60.20%	59.38%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	55.25%	85.63%	105.81%	97.67%	58.18%	85.18%	98.69%	87.75%	80.65%	78.87%
Earnings before Interest and Taxes (EBIT)	9.06	-6.64	-28	8.74	-25	-7.64	2.56	48	6.94	6.52
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	29	14	-7.56	30	-3.71	12	23	67	26	26
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.66	0.67	0.58	0.57	0.60	0.92	1.16	1.03	1.06	1.31
Price to Tangible Book Value (P/TBV)	1.20	1.19	1.09	1.08	1.18	1.97	2.38	2.11	2.47	3.09
Price to Revenue (P/Rev)	0.33	0.38	0.32	0.32	0.35	0.49	0.66	0.61	0.57	0.71
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	77.25	20.14	20.67	14.42	12.95	21.34
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	1.29%	4.97%	4.84%	6.93%	7.72%	4.69%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.02	1.84	1.24	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.20	0.10	0.03	0.14
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.01	2.06	0.92	0.29	1.37
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.02	4.60	1.81	0.56	3.09
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.03	5.18	2.02	0.65	3.49
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.01	1.35	0.56	0.17	0.74
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.06	0.05	0.07	0.05	0.07	0.03	0.00	0.00	0.04	0.00
Long-Term Debt to Equity	0.06	0.05	0.00	0.00	0.00	0.03	0.00	0.00	0.04	0.00
Financial Leverage	-1.29	-1.26	-1.17	-1.08	-0.88	-0.98	-2.20	-2.30	-2.28	-2.05
Leverage Ratio	5.92	5.76	5.90	5.78	5.85	5.94	5.31	5.27	5.14	4.88
Compound Leverage Factor	5.13	7.13	6.16	4.82	6.06	6.13	4.81	5.09	5.05	4.86
Debt to Total Capital	5.26%	4.48%	6.65%	4.91%	6.63%	3.28%	0.00%	0.00%	4.29%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	6.65%	4.91%	6.63%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	5.26%	4.48%	0.00%	0.00%	0.00%	3.28%	0.00%	0.00%	4.29%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	94.74%	95.52%	93.35%	95.09%	93.37%	96.72%	99.99%	99.99%	95.71%	100.00%
Debt to EBITDA	0.74	1.34	1.99	0.73	0.62	0.21	0.00	0.00	0.21	0.00
Net Debt to EBITDA	-23.87	-44.56	-42.31	-18.34	-6.70	-5.67	0.00	0.00	-4.80	0.00
Long-Term Debt to EBITDA	0.74	1.34	0.00	0.00	0.00	0.21	0.00	0.00	0.21	0.00
Debt to NOPAT	-41.56	-1.47	-1.92	-3.62	5.86	0.62	0.00	0.00	0.48	0.00
Net Debt to NOPAT	1,342.98	49.06	40.72	91.17	-63.32	-16.78	0.00	0.00	-10.87	0.00
Long-Term Debt to NOPAT	-41.56	-1.47	0.00	0.00	0.00	0.62	0.00	0.00	0.48	0.00
Altman Z-Score	0.13	0.11	0.04	0.06	0.02	0.08	0.09	0.09	0.03	0.04
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.54	0.52	0.52	0.50	0.41	0.40	0.36	0.35	0.37	0.35
Quick Ratio	0.39	0.37	0.31	0.29	0.21	0.21	0.20	0.21	0.22	0.23
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	904	586	591	389	-222	-111	-2,425	-2,591	-2,360	-1,869
Operating Cash Flow to CapEx	-104.04%	-78.74%	185.29%	615.23%	-170.88%	26.94%	146.52%	514.68%	107.94%	268.52%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	267.20	0.00	0.00	0.00	-1,575.96	0.00	-69,205.06
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	61.21	0.00	0.00	0.00	61.15	0.00	2,393.59
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	51.26	0.00	0.00	0.00	49.27	0.00	1,502.19
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.34	0.33	0.31	0.31	0.31	0.32	0.32	0.30	0.30	0.32
Accounts Receivable Turnover	14.24	21.71	23.04	20.97	16.27	22.16	22.86	23.29	18.72	20.28
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.38	9.19	9.10	9.01	8.84	9.10	9.47	9.60	9.81	10.18
Accounts Payable Turnover	2.25	2.30	2.26	2.15	2.04	2.23	2.62	2.75	2.94	3.18
Days Sales Outstanding (DSO)	25.64	16.82	15.84	17.40	22.44	16.47	15.97	15.67	19.49	18.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	162.57	158.39	161.19	169.93	178.85	163.49	139.06	132.59	124.01	114.80
Cash Conversion Cycle (CCC)	-136.94	-141.58	-145.35	-152.53	-156.42	-147.02	-123.09	-116.92	-104.52	-96.80
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	-694	-521	-448	-264	200	67	160	119	-3.36	-39
Invested Capital Turnover	-6.97	-7.21	-10.98	-21.26	15.27	104.88	-1.39	-1.22	-1.22	-1.47
Increase / (Decrease) in Invested Capital	-894	-588	-608	-382	203	106	2,426	2,631	2,367	1,876
Enterprise Value (EV)	-996	-824	-815	-641	-140	1.17	294	147	47	201
Market Capitalization	572	629	503	493	519	729	975	889	832	1,020
Book Value per Share	$16.24	$17.36	$16.35	$16.48	$16.38	$15.19	$16.16	$16.64	$14.87	$14.51
Tangible Book Value per Share	$8.84	$9.85	$8.68	$8.64	$8.37	$7.05	$7.88	$8.15	$6.40	$6.15
Total Capital	922	976	932	916	920	822	841	861	816	780
Total Debt	49	44	62	45	61	27	0.00	0.00	35	0.00
Total Long-Term Debt	49	44	0.00	0.00	0.00	27	0.00	0.00	35	0.00
Net Debt	-1,568	-1,453	-1,318	-1,134	-659	-728	-681	-742	-785	-819
Capital Expenditures (CapEx)	22	21	17	14	20	17	19	20	24	24
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-3,691	-3,584	-3,537	-3,357	-2,975	-3,031	-3,084	-3,212	-3,316	-3,360
Debt-free Net Working Capital (DFNWC)	-2,074	-2,087	-2,158	-2,177	-2,254	-2,276	-2,402	-2,470	-2,496	-2,541
Net Working Capital (NWC)	-2,074	-2,087	-2,220	-2,222	-2,315	-2,276	-2,402	-2,470	-2,496	-2,541
Net Nonoperating Expense (NNE)	4.23	5.79	12	2.13	5.21	1.48	0.61	3.63	1.08	3.09
Net Nonoperating Obligations (NNO)	-1,568	-1,453	-1,318	-1,134	-659	-728	-681	-742	-785	-819
Total Depreciation and Amortization (D&A)	20	20	21	22	22	20	21	19	19	20
Debt-free, Cash-free Net Working Capital to Revenue	-214.10%	-219.19%	-224.12%	-218.40%	-198.13%	-205.15%	-209.99%	-219.17%	-228.74%	-233.69%
Debt-free Net Working Capital to Revenue	-120.33%	-127.64%	-136.71%	-141.67%	-150.15%	-154.05%	-163.61%	-168.56%	-172.18%	-176.73%
Net Working Capital to Revenue	-120.33%	-127.64%	-140.64%	-144.60%	-154.22%	-154.05%	-163.61%	-168.56%	-172.18%	-176.73%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.10	($0.15)	($0.54)	$0.09	($0.46)	($0.12)	$0.01	$0.70	$0.13	$0.09
Adjusted Weighted Average Basic Shares Outstanding	53.53M	53.72M	53.45M	52.94M	52.25M	52.37M	52.19M	51.81M	53.35M	53.05M
Adjusted Diluted Earnings per Share	$0.10	($0.15)	($0.54)	$0.09	($0.45)	($0.12)	$0.01	$0.69	$0.13	$0.09
Adjusted Weighted Average Diluted Shares Outstanding	53.53M	53.72M	53.45M	53.27M	52.51M	52.37M	52.44M	52.02M	53.87M	53.38M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	54.23M	53.79M	53.71M	53.21M	52.83M	52.45M	52.35M	52.04M	51.72M	52.57M
Normalized Net Operating Profit after Tax (NOPAT)	9.34	-2.05	-17	6.88	-18	-4.79	3.35	40	6.97	7.79
Normalized NOPAT Margin	2.05%	-0.50%	-4.07%	1.52%	-5.02%	-1.36%	0.92%	9.52%	2.03%	2.27%
Pre Tax Income Margin	1.73%	-2.00%	-7.24%	1.61%	-7.14%	-2.23%	0.64%	11.13%	1.99%	1.89%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	6.00	0.00	0.00	0.00	29.18	0.00	241.33
NOPAT to Interest Expense	0.00	0.00	0.00	4.72	0.00	0.00	0.00	24.11	0.00	288.54
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	-3.95	0.00	0.00	0.00	17.30	0.00	-650.07
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	-5.23	0.00	0.00	0.00	12.23	0.00	-602.87
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.56%	5.54%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	151.33%	160.44%

Frequently Asked Questions About Green Dot's Financials

When does Green Dot's financial year end?

According to the most recent income statement we have on file, Green Dot's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Green Dot's net income changed over the last 2 years?

Green Dot's net income appears to be on a downward trend, with a most recent value of -$26.70 million in 2024, falling from $64.21 million in 2022. The previous period was $6.72 million in 2023. Find out what analysts predict for Green Dot in the coming months.

What is Green Dot's operating income?

Green Dot's total operating income in 2024 was -$1.67 million, based on the following breakdown:

Total Gross Profit: $1.47 billion
Total Operating Expenses: $1.47 billion

How has Green Dot revenue changed over the last 2 years?

Over the last 2 years, Green Dot's total revenue changed from $1.45 billion in 2022 to $1.72 billion in 2024, a change of 18.9%.

How much debt does Green Dot have?

Green Dot's total liabilities were at $4.56 billion at the end of 2024, a 15.2% increase from 2023, and a 13.8% increase since 2022.

How much cash does Green Dot have?

In the past 2 years, Green Dot's cash and equivalents has ranged from $682.26 million in 2023 to $1.59 billion in 2024, and is currently $1.59 billion as of their latest financial filing in 2024.

How has Green Dot's book value per share changed over the last 2 years?

Over the last 2 years, Green Dot's book value per share changed from 14.87 in 2022 to 16.24 in 2024, a change of 9.3%.

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This page (NYSE:GDOT) was last updated on 5/25/2025 by MarketBeat.com Staff

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Green Dot (GDOT) Financials

Frequently Asked Questions About Green Dot's Financials

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Green Dot (GDOT) Financials

Annual Income Statements for Green Dot

Quarterly Income Statements for Green Dot

Annual Cash Flow Statements for Green Dot

Quarterly Cash Flow Statements for Green Dot

Annual Balance Sheets for Green Dot

Quarterly Balance Sheets for Green Dot

Annual Metrics And Ratios for Green Dot

Quarterly Metrics And Ratios for Green Dot

Frequently Asked Questions About Green Dot's Financials

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