Green Dot (GDOT) Financials

$8.23 0.00 (0.00%)

Closing price 05/2/2025 03:59 PM Eastern

Extended Trading

$8.55 +0.32 (+3.94%)

As of 04:17 AM 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	2022	2023	2024
Period end date	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	64	6.72	-27
Consolidated Net Income / (Loss)	64	6.72	-27
Net Income / (Loss) Continuing Operations	64	6.72	-27
Total Pre-Tax Income	84	15	-23
Total Operating Income	94	23	-1.67
Total Gross Profit	1,206	1,263	1,473
Total Revenue	1,450	1,501	1,724
Operating Revenue	1,450	1,501	1,724
Total Cost of Revenue	244	239	251
Operating Cost of Revenue	244	239	251
Total Operating Expenses	1,111	1,240	1,475
Selling, General & Admin Expense	813	995	1,257
Marketing Expense	298	245	217
Total Other Income / (Expense), net	-10	-8.04	-21
Interest & Investment Income	-0.26	-3.03	-5.51
Other Income / (Expense), net	-10	-5.01	-15
Income Tax Expense	20	7.91	4.16
Basic Earnings per Share	$1.20	$0.13	($0.50)
Weighted Average Basic Shares Outstanding	53.35M	52.25M	53.53M
Diluted Earnings per Share	$1.19	$0.13	($0.50)
Weighted Average Diluted Shares Outstanding	53.87M	52.51M	53.53M
Weighted Average Basic & Diluted Shares Outstanding	51.72M	52.83M	54.23M

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

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

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

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

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

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

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

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

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

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. Check out Green Dot's forecast to explore projected trends and price targets.

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 5/5/2025 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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