Green Dot (GDOT) Financials

$12.84 +0.20 (+1.59%)

Closing price 03:59 PM Eastern

Extended Trading

$12.86 +0.02 (+0.19%)

As of 04:04 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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	37	41	86	119	100	23	47	64	6.72	-27	-99
Consolidated Net Income / (Loss)	38	42	86	119	100	23	47	64	6.72	-27	-99
Net Income / (Loss) Continuing Operations	38	42	86	119	100	23	47	64	6.72	-27	-99
Total Pre-Tax Income	58	62	103	124	121	28	64	84	15	-23	-97
Total Operating Income	59	63	109	130	123	30	66	94	23	-1.67	14
Total Gross Profit	526	559	706	844	910	1,021	1,169	1,206	1,263	1,473	1,826
Total Revenue	695	719	901	1,066	1,109	1,254	1,433	1,450	1,501	1,724	2,080
Operating Revenue	695	719	901	1,066	1,109	1,254	1,433	1,450	1,501	1,724	2,080
Total Cost of Revenue	168	159	195	222	198	233	265	244	239	251	254
Operating Cost of Revenue	168	159	195	222	198	233	265	244	239	251	254
Total Operating Expenses	467	496	597	714	986	991	1,367	1,111	1,240	1,475	1,812
Selling, General & Admin Expense	237	247	317	387	400	575	720	813	995	1,257	1,582
Marketing Expense	230	249	281	326	387	415	382	298	245	217	208
Restructuring Charge	-	-	-	-	-	-	-	-	0.00	0.00	22
Total Other Income / (Expense), net	-1.21	-1.76	-5.84	-6.60	-1.84	-1.98	-2.77	-10	-8.04	-21	-111
Interest & Investment Income	4.74	7.37	-	-	-	-	-	-0.26	-3.03	-5.51	-6.15
Other Income / (Expense), net	-	-	-	-1.55	0.03	-1.22	-2.62	-10	-5.01	-15	-105
Income Tax Expense	20	20	18	5.11	21	4.96	16	20	7.91	4.16	1.59
Basic Earnings per Share	$0.73	$0.82	$1.70	$2.27	$1.91	$0.43	$0.87	$1.20	$0.13	($0.50)	($1.79)
Weighted Average Basic Shares Outstanding	51.33M	49.54M	50.48M	52.22M	52.20M	52.44M	54.07M	53.35M	52.25M	53.53M	55.10M
Diluted Earnings per Share	$0.72	$0.80	$1.61	$2.18	$1.88	$0.42	$0.85	$1.19	$0.13	($0.50)	($1.79)
Weighted Average Diluted Shares Outstanding	51.88M	50.80M	53.20M	54.48M	53.14M	53.69M	55.22M	53.87M	52.51M	53.53M	55.10M
Weighted Average Basic & Diluted Shares Outstanding	51.63M	50.65M	50.48M	52.22M	52.78M	54.16M	54.95M	51.72M	52.83M	54.23M	55.57M

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	-6.27	-24	4.75	-29	-7.84	5.10	26	-47	-31	-47	54
Consolidated Net Income / (Loss)	-6.27	-24	4.75	-29	-7.84	5.10	26	-47	-31	-47	54
Net Income / (Loss) Continuing Operations	-6.27	-24	4.75	-29	-7.84	5.10	26	-47	-31	-47	54
Total Pre-Tax Income	-7.88	-26	7.29	-29	-8.21	7.86	34	-63	-36	-32	68
Total Operating Income	-6.84	-26	11	-24	-2.93	14	61	13	-33	-28	69
Total Gross Profit	294	320	385	346	348	394	493	440	431	462	596
Total Revenue	353	366	452	407	410	455	559	504	495	523	656
Operating Revenue	353	366	452	407	410	455	559	504	495	523	656
Total Cost of Revenue	59	46	67	61	62	61	66	64	63	61	60
Operating Cost of Revenue	59	46	67	61	62	61	66	64	63	61	60
Total Operating Expenses	301	213	375	369	351	251	432	427	464	489	527
Selling, General & Admin Expense	244	296	312	316	298	330	372	377	396	437	468
Marketing Expense	56	51	62	53	53	49	60	50	48	50	59
Restructuring Charge	-	-	-	-	0.00	-	0.00	-	20	-	0.08
Total Other Income / (Expense), net	-1.04	0.13	-3.27	-5.80	-5.28	-6.52	-27	-76	-2.89	-4.63	-1.40
Interest & Investment Income	-0.24	-	-1.46	-1.27	-1.58	-	-1.39	-1.63	-1.56	-1.58	-1.58
Other Income / (Expense), net	-0.80	1.04	-1.81	-4.53	-3.71	-5.32	-26	-75	-1.34	-3.05	0.18
Income Tax Expense	-1.62	-2.54	2.54	-0.75	-0.37	2.75	7.88	-16	-4.93	15	14
Basic Earnings per Share	($0.12)	($0.46)	$0.09	($0.54)	($0.15)	$0.10	$0.47	($0.85)	($0.56)	($0.85)	$0.96
Weighted Average Basic Shares Outstanding	52.37M	52.25M	52.94M	53.45M	53.72M	53.53M	54.36M	55.13M	55.40M	55.10M	55.74M
Diluted Earnings per Share	($0.12)	($0.45)	$0.09	($0.54)	($0.15)	$0.10	$0.47	($0.85)	($0.56)	($0.85)	$0.93
Weighted Average Diluted Shares Outstanding	52.37M	52.51M	53.27M	53.45M	53.72M	53.53M	55.28M	55.13M	55.40M	55.10M	58.02M
Weighted Average Basic & Diluted Shares Outstanding	52.45M	52.83M	53.21M	53.71M	53.79M	54.23M	54.89M	55.39M	55.42M	55.57M	56.68M

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	47	-33	265	85	-29	431	-171	-506	-133	906	-171
Net Cash From Operating Activities	157	115	218	251	190	209	167	278	98	81	139
Net Cash From Continuing Operating Activities	157	115	218	251	190	209	167	278	98	81	139
Net Income / (Loss) Continuing Operations	38	42	86	119	100	23	47	64	6.72	-27	-99
Consolidated Net Income / (Loss)	38	42	86	119	100	23	47	64	6.72	-27	-99
Depreciation Expense	39	39	33	39	49	58	57	57	59	63	65
Amortization Expense	26	26	34	35	32	29	30	22	22	19	21
Non-Cash Adjustments To Reconcile Net Income	99	103	119	63	39	85	95	96	90	98	172
Changes in Operating Assets and Liabilities, net	-45	-96	-54	-5.09	-31	14	-63	38	-80	-73	-21
Net Cash From Investing Activities	-176	-72	-145	-115	-154	-786	-1,368	-820	33	81	-451
Net Cash From Continuing Investing Activities	-176	-72	-145	-115	-154	-786	-1,368	-820	33	81	-451
Purchase of Property, Plant & Equipment	-48	-43	-44	-61	-78	-59	-57	-84	-76	-74	-73
Acquisitions	-65	0.00	-141	0.00	0.00	-35	-35	-35	-35	-35	0.00
Purchase of Investments	-195	-136	-71	-193	-192	-995	-1,424	-996	-29	-40	-1,324
Sale and/or Maturity of Investments	132	107	112	139	116	307	204	297	177	233	948
Other Investing Activities, net	-0.20	-	-	-	0.00	-3.53	-56	-2.56	-3.78	-2.57	-2.27
Net Cash From Financing Activities	66	-76	192	-51	-65	1,007	1,030	37	-264	743	141
Net Cash From Continuing Financing Activities	66	-76	192	-51	-65	1,007	1,030	37	-264	743	141
Repayment of Debt	-53	-168	-378	-23	-61	-135	-4.50	-70	-256	-300	-0.62
Issuance of Debt	30	145	355	0.00	35	100	0.00	100	282	288	15
Issuance of Common Equity	3.83	15	24	22	7.23	17	8.04	6.18	5.57	5.00	3.68
Other Financing Activities, net	126	-9.08	243	-50	53	1,029	1,031	97	-296	751	123
Cash Interest Paid	4.41	7.59	4.52	4.89	2.45	0.93	1.43	0.63	5.92	13	12
Cash Income Taxes Paid	9.89	22	9.60	6.23	1.92	11	27	13	24	14	6.10

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	50	-29	433	198	136	139	180	540	-675	-216	225
Net Cash From Operating Activities	4.68	-35	89	31	-16	-23	109	69	23	-62	95
Net Cash From Continuing Operating Activities	4.68	-35	89	31	-16	-23	109	69	23	-62	95
Net Income / (Loss) Continuing Operations	-6.27	-24	4.75	-29	-7.84	5.10	26	-47	-31	-47	54
Consolidated Net Income / (Loss)	-6.27	-24	4.75	-29	-7.84	5.10	26	-47	-31	-47	54
Depreciation Expense	15	16	16	16	15	16	15	16	16	17	18
Amortization Expense	5.05	5.11	5.10	4.82	4.77	4.61	4.69	5.12	5.45	5.92	6.11
Non-Cash Adjustments To Reconcile Net Income	16	27	26	30	22	21	43	89	17	23	26
Changes in Operating Assets and Liabilities, net	-25	-60	37	10	-51	-69	20	5.66	16	-62	-8.86
Net Cash From Investing Activities	28	15	-4.53	12	78	-4.42	-63	565	-789	-163	-567
Net Cash From Continuing Investing Activities	28	15	-4.53	12	78	-4.42	-63	565	-789	-163	-567
Purchase of Property, Plant & Equipment	-17	-20	-14	-17	-21	-22	-19	-19	-20	-14	-19
Purchase of Investments	-3.70	-7.41	-40	20	-16	-3.49	-98	-194	-812	-220	-566
Sale and/or Maturity of Investments	49	45	85	49	60	78	55	779	43	71	41
Other Investing Activities, net	-0.40	-2.51	-0.08	-39	55	-57	-0.47	-0.45	-1.10	-0.25	-23
Net Cash From Financing Activities	17	-8.74	348	154	75	166	135	-94	91	9.92	696
Net Cash From Continuing Financing Activities	17	-8.74	348	154	75	166	135	-94	91	9.92	696
Repayment of Debt	-43	-95	-80	-86	-134	-0.18	-0.42	-0.00	-0.20	-	0.00
Issuance of Debt	70	129	64	103	116	4.95	15	-	-	-	500
Issuance of Common Equity	-	2.15	-	2.72	-	2.28	0.00	-	0.00	1.04	0.82
Other Financing Activities, net	-9.70	-45	364	135	93	159	121	-97	91	8.87	195
Cash Interest Paid	0.89	2.31	3.32	3.04	3.54	3.07	2.11	4.44	1.52	4.30	2.74
Cash Income Taxes Paid	7.81	7.25	0.20	1.02	4.78	7.59	0.00	5.37	0.14	0.58	-0.12

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,691	1,740	2,198	2,287	2,461	4,115	4,725	4,789	4,817	5,434	5,985
Total Current Assets	975	1,013	1,321	1,376	1,442	2,413	1,809	1,466	1,638	2,428	2,640
Cash & Equivalents	772	733	919	1,095	1,063	1,492	1,322	814	682	1,592	1,422
Restricted Cash	5.79	12	91	0.49	2.73	4.86	3.32	5.90	4.24	0.04	0.04
Accounts Receivable	42	40	35	41	60	68	80	74	110	132	197
Prepaid Expenses	31	32	47	57	66	67	81	78	69	63	73
Current Deferred & Refundable Income Taxes	6.43	13	7.46	8.77	0.87	0.00	1.35	-	-	0.00	0.59
Other Current Assets	69	137	209	154	239	782	320	493	738	616	947
Plant, Property, & Equipment, net	79	83	97	120	145	133	135	160	179	188	198
Total Noncurrent Assets	637	644	779	791	873	1,568	2,781	3,163	3,000	2,818	3,147
Noncurrent Note & Lease Receivables	6.28	6.06	19	21	21	21	19	21	31	32	56
Goodwill	474	451	582	551	521	492	467	445	420	398	374
Noncurrent Deferred & Refundable Income Taxes	3.86	4.65	6.51	7.87	9.04	13	15	117	117	124	92
Other Noncurrent Operating Assets	21	21	30	29	54	72	164	2,579	2,432	2,263	2,624
Total Liabilities & Shareholders' Equity	1,691	1,740	2,198	2,287	2,461	4,115	4,725	4,789	4,817	5,434	5,985
Total Liabilities	1,028	1,057	1,433	1,377	1,533	3,105	3,655	4,008	3,958	4,561	5,095
Total Current Liabilities	888	961	1,336	1,337	1,445	3,078	3,643	3,962	3,953	4,502	5,030
Accounts Payable	37	23	36	39	38	35	52	114	120	104	115
Customer Deposits	652	737	1,022	1,005	1,175	2,735	3,287	3,450	3,294	4,011	4,416
Current Deferred Revenue	23	25	31	35	28	29	29	25	6.34	6.28	4.22
Current Deferred & Payable Income Tax Liabilities	-	0.00	0.07	0.07	3.95	12	0.29	12	6.26	6.65	2.37
Other Current Liabilities	155	155	226	200	200	267	275	361	466	375	492
Total Noncurrent Liabilities	140	96	97	40	88	28	12	46	4.58	58	65
Long-Term Debt	101	80	59	-	35	-	-	35	0.00	49	64
Other Noncurrent Operating Liabilities	38	12	31	31	35	21	12	11	4.58	9.69	1.88
Commitments & Contingencies	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	663	684	765	910	927	1,010	1,071	781	859	874	890
Total Preferred & Common Equity	663	684	765	910	927	1,010	1,071	781	859	874	890
Total Common Equity	663	684	765	910	927	1,010	1,071	781	859	874	890
Common Stock	379	358	355	381	296	355	401	341	376	408	428
Retained Earnings	284	326	410	529	629	652	699	764	770	744	645
Accumulated Other Comprehensive Income / (Loss)	-0.22	-0.18	-0.73	-0.14	2.04	3.43	-30	-323	-287	-278	-182

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	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	4,693	4,686	4,573	4,664	5,321	5,517	5,285	5,728	5,583	5,767	6,651
Total Current Assets	1,361	1,346	1,323	1,540	2,224	2,425	2,219	2,746	3,155	2,570	2,830
Cash & Equivalents	813	722	661	711	1,119	1,317	1,454	1,773	2,313	1,637	1,646
Restricted Cash	5.86	4.01	4.00	4.04	0.23	0.22	0.04	0.04	0.04	0.04	0.03
Accounts Receivable	67	57	61	66	89	76	85	129	103	146	196
Prepaid Expenses	65	64	57	65	80	52	49	63	52	55	107
Current Deferred & Refundable Income Taxes	0.72	-	-	-	-	1.84	1.32	-	7.45	13	0.42
Other Current Assets	409	483	524	654	876	916	587	680	680	718	879
Plant, Property, & Equipment, net	150	166	172	175	175	175	181	195	198	201	199
Total Noncurrent Assets	3,181	3,174	3,078	2,949	2,921	2,917	2,885	2,787	2,230	2,997	3,622
Noncurrent Note & Lease Receivables	21	32	30	28	40	35	33	39	35	37	47
Goodwill	450	439	431	426	414	408	403	392	386	380	369
Noncurrent Deferred & Refundable Income Taxes	108	111	119	132	129	148	128	103	96	91	80
Other Noncurrent Operating Assets	2,603	2,593	2,499	2,363	2,338	2,326	2,320	2,254	1,714	2,489	3,126
Total Liabilities & Shareholders' Equity	4,693	4,686	4,573	4,664	5,321	5,517	5,285	5,728	5,583	5,767	6,651
Total Liabilities	3,912	3,826	3,732	3,868	4,450	4,647	4,353	4,780	4,663	4,854	5,710
Total Current Liabilities	3,902	3,816	3,725	3,816	4,447	4,644	4,306	4,708	4,591	4,788	5,645
Accounts Payable	116	112	106	109	108	99	95	116	112	107	101
Customer Deposits	3,477	3,345	3,235	3,194	3,743	3,905	3,838	4,167	4,097	4,215	4,529
Current Deferred Revenue	14	15	7.99	6.31	5.63	6.06	7.18	4.80	4.72	4.78	4.35
Current Deferred & Payable Income Tax Liabilities	8.12	21	14	4.31	8.51	8.31	2.50	14	0.36	0.22	2.43
Other Current Liabilities	288	322	363	503	537	564	363	406	378	461	1,008
Total Noncurrent Liabilities	10	10	6.32	52	3.50	3.07	47	72	71	66	65
Long-Term Debt	-	0.00	0.00	27	-	-	44	63	63	63	64
Other Noncurrent Operating Liabilities	10	10	6.32	25	3.50	3.07	3.29	8.72	7.79	2.09	1.71
Commitments & Contingencies	0.00	0.00	0.00	0.00	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	948	921	913	941
Total Preferred & Common Equity	780	861	841	795	871	870	932	948	921	913	941
Total Common Equity	780	861	841	795	871	870	932	948	921	913	941
Common Stock	357	347	361	368	383	393	401	409	417	422	428
Retained Earnings	758	800	800	794	775	746	738	769	722	692	698
Accumulated Other Comprehensive Income / (Loss)	-335	-286	-320	-367	-288	-269	-207	-230	-218	-200	-186

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

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	52,276,710.00	50,192,889.00	50,820,326.00	52,701,571.00	51,496,511.00	53,479,785.00	54,683,320.00	-	-	-	55,422,413.00
DEI Adjusted Shares Outstanding	52,276,710.00	50,192,889.00	50,820,326.00	52,701,571.00	51,496,511.00	53,479,785.00	54,683,320.00	-	-	-	55,422,413.00
DEI Earnings Per Adjusted Shares Outstanding	0.71	0.81	1.69	2.25	1.94	0.43	0.87	-	-	-	-1.78
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	15.48%	3.47%	25.37%	18.25%	4.04%	13.09%	14.31%	1.14%	3.57%	14.82%	20.69%
EBITDA Growth	18.42%	3.99%	37.52%	14.62%	1.03%	-43.41%	30.38%	8.03%	-39.79%	-33.22%	-107.95%
EBIT Growth	-10.27%	6.72%	72.62%	17.90%	-4.59%	-76.53%	121.27%	31.83%	-79.02%	-196.45%	-434.96%
NOPAT Growth	7.29%	9.11%	112.06%	37.80%	-18.89%	-75.59%	100.12%	45.74%	-85.58%	-111.21%	918.88%
Net Income Growth	-10.02%	8.29%	106.46%	38.21%	-15.84%	-76.85%	105.27%	35.24%	-89.53%	-497.23%	-270.26%
EPS Growth	-20.00%	11.11%	101.25%	35.40%	-13.76%	-77.66%	102.38%	40.00%	-89.08%	-484.62%	-258.00%
Operating Cash Flow Growth	126.74%	-27.03%	90.64%	15.00%	-24.35%	10.14%	-20.15%	66.25%	-64.88%	-16.55%	70.25%
Free Cash Flow Firm Growth	224.94%	-72.76%	551.28%	-44.71%	15.96%	611.63%	-12.64%	-338.51%	91.59%	562.99%	-124.29%
Invested Capital Growth	-124.77%	3.28%	-89.28%	-2.64%	-16.27%	-282.40%	-62.60%	99.86%	6,044.98%	-447.26%	32.62%
Revenue Q/Q Growth	0.05%	1.67%	7.29%	2.02%	0.38%	2.87%	3.36%	0.81%	1.60%	5.44%	3.36%
EBITDA Q/Q Growth	-6.19%	5.02%	12.86%	0.58%	-6.50%	-20.98%	15.98%	11.38%	-23.37%	101.40%	-116.46%
EBIT Q/Q Growth	-16.88%	15.00%	19.98%	-0.64%	-11.27%	-52.96%	49.94%	29.35%	-64.56%	66.81%	-77.40%
NOPAT Q/Q Growth	-10.49%	10.84%	30.44%	-3.23%	-12.97%	-49.40%	43.52%	25.43%	-75.99%	96.06%	-75.47%
Net Income Q/Q Growth	-11.98%	12.82%	18.77%	1.75%	-11.18%	-52.64%	39.70%	34.32%	-81.44%	51.81%	-110.62%
EPS Q/Q Growth	-7.69%	9.59%	16.67%	2.83%	-8.74%	-55.79%	44.07%	36.78%	-81.69%	52.38%	-113.10%
Operating Cash Flow Q/Q Growth	15.28%	-21.15%	24.16%	-6.78%	-21.32%	13.62%	6.01%	2.14%	-38.30%	17.16%	-22.17%
Free Cash Flow Firm Q/Q Growth	144.76%	-56.99%	106.46%	-57.08%	2,176.38%	-15.87%	89.70%	-26.18%	-207.95%	59.97%	-221.42%
Invested Capital Q/Q Growth	-487.99%	-118.44%	-156.31%	-7.01%	-109.00%	-1.06%	-23.77%	91.36%	198.02%	-33.31%	29.17%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	75.78%	77.82%	78.40%	79.20%	82.10%	81.40%	81.53%	83.17%	84.11%	85.44%	87.77%
EBITDA Margin	17.81%	17.90%	19.64%	19.04%	18.49%	9.25%	10.55%	11.27%	6.55%	3.81%	-0.25%
Operating Margin	8.54%	8.81%	12.13%	12.24%	11.09%	2.40%	4.64%	6.51%	1.51%	-0.10%	0.66%
EBIT Margin	8.54%	8.81%	12.13%	12.09%	11.09%	2.30%	4.46%	5.81%	1.18%	-0.99%	-4.38%
Profit (Net Income) Margin	5.53%	5.79%	9.53%	11.14%	9.01%	1.84%	3.31%	4.43%	0.45%	-1.55%	-4.75%
Tax Burden Percent	66.09%	67.58%	83.02%	95.87%	82.50%	82.33%	74.54%	76.51%	45.94%	118.47%	101.64%
Interest Burden Percent	97.97%	97.23%	94.66%	96.08%	98.48%	97.36%	99.77%	99.70%	82.86%	132.33%	106.75%
Effective Tax Rate	33.91%	32.42%	16.98%	4.13%	17.50%	17.67%	25.46%	23.49%	54.06%	0.00%	0.00%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.59%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.10%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-9.77%	0.00%	0.00%
Return on Equity (ROE)	5.95%	6.18%	11.86%	14.18%	10.88%	2.39%	4.56%	6.93%	0.82%	-3.08%	-11.21%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-96.47%	0.00%	0.00%
Operating Return on Assets (OROA)	3.59%	3.69%	5.55%	5.75%	5.18%	0.88%	1.44%	1.77%	0.37%	-0.33%	-1.60%
Return on Assets (ROA)	2.32%	2.42%	4.36%	5.29%	4.21%	0.70%	1.07%	1.35%	0.14%	-0.52%	-1.73%
Return on Common Equity (ROCE)	5.95%	6.18%	11.86%	14.18%	10.88%	2.39%	4.56%	6.93%	0.82%	-3.08%	-11.21%
Return on Equity Simple (ROE_SIMPLE)	5.79%	6.08%	11.23%	13.05%	10.77%	2.29%	4.43%	8.22%	0.78%	-3.06%	0.00%
Net Operating Profit after Tax (NOPAT)	39	43	91	125	101	25	50	72	10	-1.17	9.56
NOPAT Margin	5.64%	5.95%	10.07%	11.73%	9.15%	1.97%	3.46%	4.98%	0.69%	-0.07%	0.46%
Net Nonoperating Expense Percent (NNEP)	-0.10%	-0.14%	-0.50%	-0.54%	-0.12%	-0.09%	-0.07%	-0.38%	-0.51%	-2.29%	-7.41%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	8.84%	1.13%	-0.13%	1.00%
Cost of Revenue to Revenue	24.22%	22.18%	21.60%	20.80%	17.90%	18.60%	18.47%	16.83%	15.89%	14.56%	12.23%
SG&A Expenses to Revenue	34.07%	34.35%	35.14%	36.34%	36.12%	45.90%	50.23%	56.11%	66.26%	72.93%	76.06%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	67.24%	69.01%	66.27%	66.96%	88.91%	79.00%	95.36%	76.66%	82.60%	85.53%	87.12%
Earnings before Interest and Taxes (EBIT)	59	63	109	129	123	29	64	84	18	-17	-91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	124	129	177	203	205	116	151	163	98	66	-5.22
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.29	1.73	4.01	4.61	1.29	2.96	1.85	1.06	0.60	0.66	0.80
Price to Tangible Book Value (P/TBV)	4.53	5.08	16.81	11.68	2.95	5.76	3.28	2.47	1.18	1.20	1.38
Price to Revenue (P/Rev)	1.24	1.64	3.40	3.93	1.08	2.38	1.38	0.57	0.35	0.33	0.34
Price to Earnings (P/E)	23.00	28.97	35.66	35.31	12.01	129.01	41.74	12.95	77.25	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%	0.00%
Earnings Yield	4.35%	3.45%	2.80%	2.83%	8.33%	0.78%	2.40%	7.72%	1.29%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.03	0.46	2.20	2.77	0.00	0.41	0.00	0.03	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.17	2.56	11.18	14.56	0.00	4.45	0.00	0.29	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.35	5.20	18.10	22.92	0.00	17.90	0.00	0.56	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.52	7.70	21.81	23.62	0.00	20.86	0.00	0.65	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.13	2.88	9.06	11.76	0.00	2.47	0.00	0.17	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.15	8.89	8.20	22.13	0.00	0.47	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.18	0.15	0.10	0.06	0.04	0.00	0.00	0.04	0.07	0.06	0.07
Long-Term Debt to Equity	0.15	0.12	0.08	0.00	0.04	0.00	0.00	0.04	0.00	0.06	0.07
Financial Leverage	-1.20	-1.25	-1.34	-1.39	-1.39	-1.95	-2.84	-2.28	-0.88	-1.29	-1.66
Leverage Ratio	2.56	2.55	2.72	2.68	2.58	3.39	4.25	5.14	5.85	5.92	6.47
Compound Leverage Factor	2.51	2.48	2.57	2.57	2.55	3.31	4.24	5.12	4.85	7.83	6.91
Debt to Total Capital	15.50%	12.84%	9.43%	6.06%	3.64%	0.00%	0.00%	4.29%	6.63%	5.26%	6.66%
Short-Term Debt to Total Capital	2.67%	2.67%	2.48%	6.06%	0.00%	0.00%	0.00%	0.00%	6.63%	0.00%	0.00%
Long-Term Debt to Total Capital	12.83%	10.16%	6.95%	0.00%	3.64%	0.00%	0.00%	4.29%	0.00%	5.26%	6.66%
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%	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%	0.00%
Common Equity to Total Capital	84.50%	87.16%	90.57%	93.94%	96.36%	100.00%	100.00%	95.71%	93.37%	94.74%	93.34%
Debt to EBITDA	0.98	0.78	0.45	0.29	0.17	0.00	0.00	0.21	0.62	0.74	-12.17
Net Debt to EBITDA	-6.77	-6.62	-6.13	-6.10	-6.39	0.00	0.00	-4.80	-6.70	-23.87	260.04
Long-Term Debt to EBITDA	0.81	0.62	0.33	0.00	0.17	0.00	0.00	0.21	0.00	0.74	-12.17
Debt to NOPAT	3.10	2.35	0.88	0.47	0.35	0.00	0.00	0.48	5.86	-41.56	6.65
Net Debt to NOPAT	-21.37	-19.92	-11.95	-9.90	-12.90	0.00	0.00	-10.87	-63.32	1,342.98	-142.05
Long-Term Debt to NOPAT	2.57	1.86	0.65	0.00	0.35	0.00	0.00	0.48	0.00	-41.56	6.65
Altman Z-Score	1.32	1.50	2.11	2.82	1.44	0.93	0.41	0.08	0.05	0.12	0.05
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.10	1.05	0.99	1.03	1.00	0.78	0.50	0.37	0.41	0.54	0.53
Quick Ratio	0.97	0.85	0.72	0.86	0.78	0.51	0.39	0.22	0.21	0.39	0.32
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	136	37	241	133	155	1,101	962	-2,295	-193	893	-217
Operating Cash Flow to CapEx	328.08%	264.63%	494.56%	411.36%	242.81%	354.33%	290.84%	329.30%	128.41%	109.55%	191.01%
Free Cash Flow to Firm to Interest Expense	22.89	4.06	41.35	26.45	83.03	1,447.25	6,414.52	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	26.40	12.55	37.39	49.75	101.89	274.87	1,113.55	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	18.36	7.81	29.83	37.66	59.92	197.30	730.67	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.42	0.42	0.46	0.48	0.47	0.38	0.32	0.30	0.31	0.34	0.36
Accounts Receivable Turnover	15.26	17.47	23.89	27.96	22.06	19.70	19.35	18.72	16.27	14.24	12.64
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	8.90	8.90	10.02	9.80	8.34	8.99	10.67	9.81	8.84	9.38	10.76
Accounts Payable Turnover	4.57	5.31	6.59	5.92	5.19	6.41	6.11	2.94	2.04	2.25	2.33
Days Sales Outstanding (DSO)	23.92	20.90	15.28	13.05	16.54	18.53	18.87	19.49	22.44	25.64	28.88
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	79.88	68.72	55.40	61.65	70.37	56.90	59.77	124.01	178.85	162.57	156.75
Cash Conversion Cycle (CCC)	-55.95	-47.82	-40.12	-48.59	-53.83	-38.37	-40.91	-104.52	-156.42	-136.94	-127.86
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	-174	-169	-319	-328	-381	-1,458	-2,370	-3.36	200	-694	-468
Invested Capital Turnover	-5.51	-4.19	-3.69	-3.29	-3.13	-1.36	-0.75	-1.22	15.27	-6.97	-3.58
Increase / (Decrease) in Invested Capital	-97	5.72	-151	-8.44	-53	-1,077	-913	2,367	203	-894	227
Enterprise Value (EV)	21	330	1,978	2,953	-109	517	-1,459	47	-140	-996	-648
Market Capitalization	858	1,182	3,062	4,191	1,200	2,984	1,982	832	519	572	710
Book Value per Share	$12.69	$13.62	$15.04	$17.26	$18.01	$18.88	$19.58	$14.87	$16.38	$16.24	$16.06
Tangible Book Value per Share	$3.63	$4.64	$3.58	$6.81	$7.89	$9.69	$11.04	$6.40	$8.37	$8.84	$9.31
Total Capital	785	784	844	969	962	1,010	1,071	816	920	922	954
Total Debt	122	101	80	59	35	0.00	0.00	35	61	49	64
Total Long-Term Debt	101	80	59	0.00	35	0.00	0.00	35	0.00	49	64
Net Debt	-838	-853	-1,084	-1,238	-1,309	-2,468	-3,441	-785	-659	-1,568	-1,358
Capital Expenditures (CapEx)	48	43	44	61	78	59	57	84	76	74	73
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-719	-718	-1,016	-1,018	-1,079	-2,161	-3,160	-3,316	-2,975	-3,691	-3,811
Debt-free Net Working Capital (DFNWC)	108	74	6.14	97	-3.14	-664	-1,834	-2,496	-2,254	-2,074	-2,389
Net Working Capital (NWC)	87	53	-15	39	-3.14	-664	-1,834	-2,496	-2,315	-2,074	-2,389
Net Nonoperating Expense (NNE)	0.80	1.19	4.85	6.33	1.52	1.63	2.07	8.00	3.69	26	108
Net Nonoperating Obligations (NNO)	-838	-853	-1,084	-1,238	-1,309	-2,468	-3,441	-785	-659	-1,568	-1,358
Total Depreciation and Amortization (D&A)	64	65	68	74	82	87	87	79	81	83	86
Debt-free, Cash-free Net Working Capital to Revenue	-103.50%	-99.87%	-112.73%	-95.52%	-97.36%	-172.35%	-220.45%	-228.74%	-198.13%	-214.10%	-183.18%
Debt-free Net Working Capital to Revenue	15.54%	10.24%	0.68%	9.13%	-0.28%	-52.97%	-127.96%	-172.18%	-150.15%	-120.33%	-114.84%
Net Working Capital to Revenue	12.53%	7.32%	-1.64%	3.62%	-0.28%	-52.97%	-127.96%	-172.18%	-154.22%	-120.33%	-114.84%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.73	$0.82	$1.70	$0.00	$0.00	$0.43	$0.87	$1.20	$0.13	($0.50)	($1.79)
Adjusted Weighted Average Basic Shares Outstanding	51.33M	49.54M	50.48M	0.00	0.00	52.44M	54.07M	53.35M	52.25M	53.53M	55.10M
Adjusted Diluted Earnings per Share	$0.72	$0.80	$1.61	$0.00	$0.00	$0.42	$0.85	$1.19	$0.13	($0.50)	($1.79)
Adjusted Weighted Average Diluted Shares Outstanding	51.88M	50.80M	53.20M	0.00	0.00	53.69M	55.22M	53.87M	52.51M	53.53M	55.10M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	51.63M	50.65M	51.28M	0.00	0.00	54.16M	54.95M	51.72M	52.83M	54.23M	55.57M
Normalized Net Operating Profit after Tax (NOPAT)	39	43	91	125	101	25	50	72	16	-1.17	25
Normalized NOPAT Margin	5.64%	5.95%	10.07%	11.73%	9.15%	1.97%	3.46%	4.98%	1.06%	-0.07%	1.20%
Pre Tax Income Margin	8.37%	8.56%	11.48%	11.62%	10.92%	2.24%	4.44%	5.79%	0.97%	-1.31%	-4.68%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	9.98	6.94	18.72	25.54	65.96	37.92	425.67	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	6.60	4.69	15.54	24.78	54.41	32.54	330.32	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	1.93	2.20	11.16	13.44	24.00	-39.66	42.79	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	-1.45	-0.05	7.98	12.68	12.45	-45.04	-52.56	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	17.29%	8.42%	2.56%	0.00%	0.00%	0.00%
Augmented Payout Ratio	106.69%	141.86%	60.51%	0.00%	100.10%	17.29%	8.42%	151.33%	0.00%	0.00%	0.00%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	54,229,674.00	54,890,759.00	55,392,705.00	55,422,413.00	55,567,588.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	54,229,674.00	54,890,759.00	55,392,705.00	55,422,413.00	55,567,588.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	0.48	-0.86	-0.56	-0.84	0.97
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.70%	6.90%	8.55%	11.27%	16.07%	24.31%	23.65%	23.84%	20.77%	14.85%	17.42%
EBITDA Growth	-53.90%	-114.13%	-54.66%	-132.63%	12.12%	890.87%	81.37%	-430.66%	-191.57%	-125.85%	70.19%
EBIT Growth	-217.27%	-463.73%	-81.77%	-1,200.59%	13.14%	135.89%	300.74%	-117.37%	-414.83%	-438.96%	97.53%
NOPAT Growth	-161.45%	-364.04%	-82.65%	-1,491.80%	57.13%	150.77%	576.18%	156.61%	-1,019.75%	-307.31%	17.94%
Net Income Growth	-233.41%	-501.14%	-86.81%	-5,067.99%	-25.14%	121.62%	442.59%	-63.76%	-292.74%	-1,017.56%	108.56%
EPS Growth	-233.33%	-446.15%	-86.96%	-5,500.00%	-25.00%	122.22%	422.22%	-57.41%	-273.33%	-950.00%	97.87%
Operating Cash Flow Growth	-92.76%	-236.41%	-11.29%	15.65%	-447.69%	34.12%	21.92%	119.01%	243.29%	-171.47%	-12.56%
Free Cash Flow Firm Growth	94.07%	90.60%	115.03%	124.38%	628.78%	507.59%	66.20%	50.54%	-80.08%	-127.21%	-125.79%
Invested Capital Growth	272.39%	6,044.98%	-321.56%	-379.35%	-876.29%	-447.26%	-227.90%	-196.77%	-26.82%	32.62%	25.66%
Revenue Q/Q Growth	-3.51%	3.69%	23.48%	-9.93%	0.64%	11.05%	22.82%	-9.79%	-1.85%	5.62%	25.57%
EBITDA Q/Q Growth	-47.61%	-130.60%	915.65%	-124.95%	280.03%	115.84%	87.05%	-173.01%	68.93%	39.07%	1,331.45%
EBIT Q/Q Growth	-398.24%	-230.22%	134.65%	-422.47%	76.46%	236.46%	286.89%	-274.92%	44.25%	10.15%	325.46%
NOPAT Q/Q Growth	-502.19%	-284.15%	137.41%	-340.81%	87.61%	554.96%	398.18%	-79.84%	-345.03%	15.77%	383.42%
Net Income Q/Q Growth	-1,183.91%	-276.74%	120.12%	-704.53%	72.70%	165.09%	405.06%	-282.46%	34.52%	-52.07%	214.80%
EPS Q/Q Growth	-1,300.00%	-275.00%	120.00%	-700.00%	72.22%	166.67%	370.00%	-280.85%	34.12%	-51.79%	209.41%
Operating Cash Flow Q/Q Growth	-82.81%	-846.03%	355.31%	-64.68%	-151.68%	-41.36%	572.45%	-36.55%	-66.18%	-367.81%	252.17%
Free Cash Flow Firm Q/Q Growth	95.43%	-100.10%	275.57%	51.88%	-0.89%	54.24%	-28.41%	37.57%	-86.89%	-310.66%	32.13%
Invested Capital Q/Q Growth	-58.12%	198.02%	-231.76%	-69.87%	-16.38%	-33.31%	-24.41%	-53.74%	50.27%	29.17%	-37.25%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	83.24%	87.54%	85.22%	84.93%	84.92%	86.58%	88.15%	87.34%	87.19%	88.35%	90.89%
EBITDA Margin	3.44%	-1.01%	6.70%	-1.86%	3.32%	6.45%	9.83%	-7.95%	-2.52%	-1.45%	14.24%
Operating Margin	-1.94%	-7.18%	2.34%	-5.81%	-0.72%	3.16%	10.87%	2.66%	-6.63%	-5.29%	10.52%
EBIT Margin	-2.16%	-6.89%	1.93%	-6.93%	-1.62%	1.99%	6.27%	-12.16%	-6.91%	-5.87%	10.55%
Profit (Net Income) Margin	-1.77%	-6.45%	1.05%	-7.05%	-1.91%	1.12%	4.61%	-9.33%	-6.22%	-8.96%	8.19%
Tax Burden Percent	79.51%	90.30%	65.18%	97.44%	95.45%	64.95%	76.58%	74.73%	86.19%	145.05%	79.47%
Interest Burden Percent	103.13%	103.59%	83.34%	104.51%	123.76%	86.75%	96.04%	102.66%	104.55%	105.15%	97.72%
Effective Tax Rate	0.00%	0.00%	34.82%	0.00%	0.00%	35.05%	23.42%	0.00%	0.00%	0.00%	20.53%
Return on Invested Capital (ROIC)	-142.23%	-76.72%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	-142.03%	-76.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	139.49%	66.89%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	-2.73%	-9.83%	-2.84%	-6.29%	-6.42%	-3.08%	-0.62%	-2.68%	-5.09%	-11.21%	-7.51%
Cash Return on Invested Capital (CROIC)	-93.36%	-96.47%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	-0.68%	-2.15%	0.59%	-2.17%	-0.53%	0.67%	2.08%	-4.22%	-2.52%	-2.14%	3.71%
Return on Assets (ROA)	-0.56%	-2.02%	0.32%	-2.21%	-0.63%	0.38%	1.53%	-3.24%	-2.27%	-3.26%	2.88%
Return on Common Equity (ROCE)	-2.73%	-9.83%	-2.83%	-6.29%	-6.42%	-3.08%	-0.62%	-2.68%	-5.09%	-11.21%	-7.51%
Return on Equity Simple (ROE_SIMPLE)	4.55%	0.00%	-2.82%	-6.19%	-5.94%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	-4.79	-18	6.88	-17	-2.05	9.34	47	9.38	-23	-19	55
NOPAT Margin	-1.36%	-5.02%	1.52%	-4.07%	-0.50%	2.05%	8.32%	1.86%	-4.64%	-3.70%	8.36%
Net Nonoperating Expense Percent (NNEP)	-0.19%	-0.72%	-0.23%	-1.22%	-0.53%	-0.38%	-1.41%	-3.16%	-0.52%	-1.88%	-0.07%
Return On Investment Capital (ROIC_SIMPLE)	-	-2.00%	-	-	-	1.01%	4.60%	0.95%	-2.35%	-2.03%	5.46%
Cost of Revenue to Revenue	16.76%	12.46%	14.78%	15.07%	15.08%	13.42%	11.85%	12.66%	12.81%	11.65%	9.11%
SG&A Expenses to Revenue	69.17%	80.84%	69.08%	77.74%	72.79%	72.59%	66.60%	74.73%	80.05%	83.68%	71.32%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	85.18%	58.18%	97.67%	105.81%	85.63%	55.25%	77.28%	84.68%	93.82%	93.64%	80.37%
Earnings before Interest and Taxes (EBIT)	-7.64	-25	8.74	-28	-6.64	9.06	35	-61	-34	-31	69
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	12	-3.71	30	-7.56	14	29	55	-40	-12	-7.59	93
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.92	0.60	0.57	0.58	0.67	0.66	0.48	0.64	0.81	0.80	0.66
Price to Tangible Book Value (P/TBV)	1.97	1.18	1.08	1.09	1.19	1.20	0.82	1.11	1.40	1.38	1.09
Price to Revenue (P/Rev)	0.49	0.35	0.32	0.32	0.38	0.33	0.25	0.31	0.37	0.34	0.29
Price to Earnings (P/E)	20.14	77.25	0.00	0.00	0.00	0.00	0.00	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%	0.00%
Earnings Yield	4.97%	1.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.02	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.02	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.01	0.00	0.00	0.00	0.00	0.00	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	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.03	0.07	0.05	0.07	0.05	0.06	0.07	0.07	0.07	0.07	0.07
Long-Term Debt to Equity	0.03	0.00	0.00	0.00	0.05	0.06	0.07	0.07	0.07	0.07	0.07
Financial Leverage	-0.98	-0.88	-1.08	-1.17	-1.26	-1.29	-1.62	-1.99	-1.64	-1.66	-1.80
Leverage Ratio	5.94	5.85	5.78	5.90	5.76	5.92	6.08	6.20	5.99	6.47	6.56
Compound Leverage Factor	6.13	6.06	4.82	6.16	7.13	5.13	5.84	6.36	6.26	6.81	6.41
Debt to Total Capital	3.28%	6.63%	4.91%	6.65%	4.48%	5.26%	6.26%	6.44%	6.50%	6.66%	6.34%
Short-Term Debt to Total Capital	0.00%	6.63%	4.91%	6.65%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	3.28%	0.00%	0.00%	0.00%	4.48%	5.26%	6.26%	6.44%	6.50%	6.66%	6.34%
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%	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%	0.00%
Common Equity to Total Capital	96.72%	93.37%	95.09%	93.35%	95.52%	94.74%	93.74%	93.56%	93.50%	93.34%	93.66%
Debt to EBITDA	0.21	0.62	0.73	1.99	1.34	0.74	0.70	1.10	2.00	-12.17	1.91
Net Debt to EBITDA	-5.67	-6.70	-18.34	-42.31	-44.56	-23.87	-20.06	-38.93	-49.61	260.04	-47.50
Long-Term Debt to EBITDA	0.21	0.00	0.00	0.00	1.34	0.74	0.70	1.10	2.00	-12.17	1.91
Debt to NOPAT	0.62	5.86	-3.62	-1.92	-1.47	-41.56	-0.88	1.06	1.63	6.65	4.14
Net Debt to NOPAT	-16.78	-63.32	91.17	40.72	49.06	1,342.98	25.17	-37.54	-40.37	-142.05	-103.00
Long-Term Debt to NOPAT	0.62	0.00	0.00	0.00	-1.47	-41.56	-0.88	1.06	1.63	6.65	4.14
Altman Z-Score	0.08	0.02	0.06	0.04	0.11	0.13	0.17	0.26	0.13	0.09	0.07
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.40	0.41	0.50	0.52	0.52	0.54	0.58	0.69	0.54	0.53	0.50
Quick Ratio	0.21	0.21	0.29	0.31	0.37	0.39	0.43	0.53	0.37	0.32	0.33
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-111	-222	389	591	586	904	647	890	117	-246	-167
Operating Cash Flow to CapEx	26.94%	-170.88%	615.23%	185.29%	-78.74%	-104.04%	559.90%	353.85%	117.90%	-451.24%	499.48%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	267.20	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	61.21	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	51.26	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.32	0.31	0.31	0.31	0.33	0.34	0.33	0.35	0.36	0.36	0.35
Accounts Receivable Turnover	22.16	16.27	20.97	23.04	21.71	14.24	16.80	21.55	17.47	12.64	13.40
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.10	8.84	9.01	9.10	9.19	9.38	9.90	10.33	10.54	10.76	11.07
Accounts Payable Turnover	2.23	2.04	2.15	2.26	2.30	2.25	2.23	2.40	2.52	2.33	2.28
Days Sales Outstanding (DSO)	16.47	22.44	17.40	15.84	16.82	25.64	21.73	16.94	20.89	28.88	27.23
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	163.49	178.85	169.93	161.19	158.39	162.57	163.44	152.26	144.93	156.75	160.38
Cash Conversion Cycle (CCC)	-147.02	-156.42	-152.53	-145.35	-141.58	-136.94	-141.71	-135.32	-124.03	-127.86	-133.15
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	67	200	-264	-448	-521	-694	-864	-1,328	-661	-468	-642
Invested Capital Turnover	104.88	15.27	-21.26	-10.98	-7.21	-6.97	-3.25	-2.17	-3.41	-3.58	-2.89
Increase / (Decrease) in Invested Capital	106	203	-382	-608	-588	-894	-601	-881	-140	227	222
Enterprise Value (EV)	1.17	-140	-641	-815	-824	-996	-1,354	-1,657	-830	-648	-959
Market Capitalization	729	519	493	503	629	572	458	592	744	710	623
Book Value per Share	$15.19	$16.38	$16.48	$16.35	$17.36	$16.24	$17.48	$16.78	$16.49	$16.06	$16.93
Tangible Book Value per Share	$7.05	$8.37	$8.64	$8.68	$9.85	$8.84	$10.25	$9.75	$9.62	$9.31	$10.28
Total Capital	822	920	916	932	976	922	1,011	984	977	954	1,004
Total Debt	27	61	45	62	44	49	63	63	63	64	64
Total Long-Term Debt	27	0.00	0.00	0.00	44	49	63	63	63	64	64
Net Debt	-728	-659	-1,134	-1,318	-1,453	-1,568	-1,812	-2,249	-1,574	-1,358	-1,583
Capital Expenditures (CapEx)	17	20	14	17	21	22	19	19	20	14	19
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-3,031	-2,975	-3,357	-3,537	-3,584	-3,691	-3,837	-3,749	-3,856	-3,811	-4,462
Debt-free Net Working Capital (DFNWC)	-2,276	-2,254	-2,177	-2,158	-2,087	-2,074	-1,962	-1,436	-2,219	-2,389	-2,815
Net Working Capital (NWC)	-2,276	-2,315	-2,222	-2,220	-2,087	-2,074	-1,962	-1,436	-2,219	-2,389	-2,815
Net Nonoperating Expense (NNE)	1.48	5.21	2.13	12	5.79	4.23	21	56	7.81	27	1.11
Net Nonoperating Obligations (NNO)	-728	-659	-1,134	-1,318	-1,453	-1,568	-1,812	-2,249	-1,574	-1,358	-1,583
Total Depreciation and Amortization (D&A)	20	22	22	21	20	20	20	21	22	23	24
Debt-free, Cash-free Net Working Capital to Revenue	-205.15%	-198.13%	-218.40%	-224.12%	-219.19%	-214.10%	-209.58%	-194.47%	-191.58%	-183.18%	-204.86%
Debt-free Net Working Capital to Revenue	-154.05%	-150.15%	-141.67%	-136.71%	-127.64%	-120.33%	-107.17%	-74.51%	-110.23%	-114.84%	-129.26%
Net Working Capital to Revenue	-154.05%	-154.22%	-144.60%	-140.64%	-127.64%	-120.33%	-107.17%	-74.51%	-110.23%	-114.84%	-129.26%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.12)	($0.46)	$0.09	($0.54)	($0.15)	$0.10	$0.47	($0.85)	($0.56)	($0.85)	$0.96
Adjusted Weighted Average Basic Shares Outstanding	52.37M	52.25M	52.94M	53.45M	53.72M	53.53M	54.36M	55.13M	55.40M	55.10M	55.74M
Adjusted Diluted Earnings per Share	($0.12)	($0.45)	$0.09	($0.54)	($0.15)	$0.10	$0.47	($0.85)	($0.56)	($0.85)	$0.93
Adjusted Weighted Average Diluted Shares Outstanding	52.37M	52.51M	53.27M	53.45M	53.72M	53.53M	55.28M	55.13M	55.40M	55.10M	58.02M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	52.45M	52.83M	53.21M	53.71M	53.79M	54.23M	54.89M	55.39M	55.42M	55.57M	56.68M
Normalized Net Operating Profit after Tax (NOPAT)	-4.79	-18	6.88	-17	-2.05	9.34	47	9.38	-9.05	-19	55
Normalized NOPAT Margin	-1.36%	-5.02%	1.52%	-4.07%	-0.50%	2.05%	8.32%	1.86%	-1.83%	-3.70%	8.37%
Pre Tax Income Margin	-2.23%	-7.14%	1.61%	-7.24%	-2.00%	1.73%	6.02%	-12.48%	-7.22%	-6.18%	10.31%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	6.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	4.72	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	-3.95	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	-5.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials Breakdown Chart

Key Financial Trends

Green Dot’s latest quarter shows a sharp improvement in profitability and operating cash flow, but the balance sheet still carries a very large customer-deposit liability base tied to its banking/fintech model. In Q1 2026, revenue grew meaningfully year over year, margins improved, and the company swung back to solid net income. That said, the quarter also featured a very large build in investments and a major financing inflow, so investors should still view the cash flow picture in the context of Green Dot’s funding structure.

Revenue accelerated in Q1 2026. Total revenue rose to $656.2 million from $558.9 million in Q1 2025, a strong year-over-year increase.
Profitability rebounded sharply. Net income was $53.8 million in Q1 2026 versus $25.8 million a year ago and a loss of $46.8 million in Q4 2025.
Operating income improved notably. Operating income reached $69.0 million in Q1 2026, up from $60.7 million in Q1 2025 and well ahead of the operating loss in Q4 2025.
Operating cash flow was strong. Green Dot generated $95.1 million in cash from operations in Q1 2026, compared with $108.7 million in Q1 2025 and negative operating cash flow in Q4 2025.
Gross profit remained healthy. Gross profit of $596.5 million suggests the company continues to convert a large portion of revenue into gross profit.
EPS improved year over year. Diluted EPS increased to $0.93 from $0.47 in Q1 2025.
Cash and equivalents remain large. The company held $1.65 billion in cash and equivalents at March 31, 2026, giving it liquidity flexibility.
Customer deposits remain the dominant liability. Customer deposits totaled $4.53 billion, reflecting the scale of Green Dot’s banking-related business model rather than traditional corporate debt leverage alone.
Investing cash outflow was very large. Net cash from investing activities was a negative $566.6 million in Q1 2026, driven mainly by a $565.9 million purchase of investments.
Operating expense burden is still substantial. SG&A and marketing combined were over $527 million in Q1 2026, which remains a large cost base even with improved results.

Trend summary: The last several quarters show a clear recovery from the weak period in 2024 and late 2025. Revenue has been trending higher, operating losses turned into operating profits, and cash from operations improved materially. Q1 2026 looks like a solid continuation of that turnaround.

What investors should watch next: whether Green Dot can sustain positive operating income, keep cash flow stable without relying on unusually large financing activity, and manage the cost structure as revenue grows. The key risk is that heavy investing activity and the company’s liability-heavy balance sheet can create volatility even when earnings improve.

05/14/26 02:16 PM ETAI Generated. May Contain Errors.

Green Dot Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Green Dot's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Green Dot's net income appears to be on a downward trend, with a most recent value of -$98.87 million in 2025, falling from $38.42 million in 2015. The previous period was -$26.70 million in 2024. Check out Green Dot's forecast to explore projected trends and price targets.

Green Dot's total operating income in 2025 was $13.66 million, based on the following breakdown:

Total Gross Profit: $1.83 billion
Total Operating Expenses: $1.81 billion

Over the last 10 years, Green Dot's total revenue changed from $694.70 million in 2015 to $2.08 billion in 2025, a change of 199.5%.

Green Dot's total liabilities were at $5.09 billion at the end of 2025, a 11.7% increase from 2024, and a 395.6% increase since 2015.

In the past 10 years, Green Dot's cash and equivalents has ranged from $682.26 million in 2023 to $1.59 billion in 2024, and is currently $1.42 billion as of their latest financial filing in 2025.

Over the last 10 years, Green Dot's book value per share changed from 12.69 in 2015 to 16.06 in 2025, a change of 26.6%.

Related Companies

Financial statements for NYSE:GDOT last updated on 5/14/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Green Dot (GDOT) Financials

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Green Dot (GDOT) Financials

Annual Income Statements for Green Dot

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Quarterly Cash Flow Statements for Green Dot

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Quarterly Metrics And Ratios for Green Dot

Financials Breakdown Chart

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Green Dot Financials - Frequently Asked Questions

When does Green Dot's financial year end?

How has Green Dot's net income changed over the last 10 years?

What is Green Dot's operating income?

How has Green Dot's revenue changed over the last 10 years?

How much debt does Green Dot have?

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How has Green Dot's book value per share changed over the last 10 years?

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