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Green Dot (GDOT) Financials

Green Dot logo
$13.44 0.00 (-0.02%)
Closing price 03:59 PM Eastern
Extended Trading
$13.44 0.00 (-0.01%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Green Dot

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

Quarterly Income Statements for Green Dot

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 -24 4.75 -29 -7.84 5.10 26 -47 -31 -47 54 -2.09
Consolidated Net Income / (Loss)		 -24 4.75 -29 -7.84 5.10 26 -47 -31 -47 54 -2.09
Net Income / (Loss) Continuing Operations		 -24 4.75 -29 -7.84 5.10 26 -47 -31 -47 54 -2.09
Total Pre-Tax Income 		-26 7.29 -29 -8.21 7.86 34 -63 -36 -32 68 -2.36
Total Operating Income		 -26 11 -24 -2.93 14 61 13 -33 -28 69 -0.76
Total Gross Profit		 320 385 346 348 394 493 440 431 462 596 537
Total Revenue		 366 452 407 410 455 559 504 495 523 656 596
Operating Revenue		 366 452 407 410 455 559 504 495 523 656 596
Total Cost of Revenue		 46 67 61 62 61 66 64 63 61 60 59
Operating Cost of Revenue		 46 67 61 62 61 66 64 63 61 60 59
Total Operating Expenses		 213 375 369 351 251 432 427 464 489 527 538
Selling, General & Admin Expense		 296 312 316 298 330 372 377 396 437 468 488
Marketing Expense		 51 62 53 53 49 60 50 48 50 59 49
Restructuring Charge		 - - - 0.00 - 0.00 0.00 20 - 0.08 0.10
Total Other Income / (Expense), net		 0.13 -3.27 -5.80 -5.28 -6.52 -27 -76 -2.89 -4.63 -1.40 -1.59
Interest & Investment Income		 - -1.46 -1.27 -1.58 - -1.39 -1.63 -1.56 -1.58 -1.58 -1.58
Other Income / (Expense), net		 1.04 -1.81 -4.53 -3.71 -5.32 -26 -75 -1.34 -3.05 0.18 -0.01
Income Tax Expense		 -2.54 2.54 -0.75 -0.37 2.75 7.88 -16 -4.93 15 14 -0.27
Basic Earnings per Share		 ($0.46) $0.09 ($0.54) ($0.15) $0.10 $0.47 ($0.85) ($0.56) ($0.85) $0.96 ($0.04)
Weighted Average Basic Shares Outstanding		 52.25M 52.94M 53.45M 53.72M 53.53M 54.36M 55.13M 55.40M 55.10M 55.74M 56.77M
Diluted Earnings per Share		 ($0.45) $0.09 ($0.54) ($0.15) $0.10 $0.47 ($0.85) ($0.56) ($0.85) $0.93 ($0.04)
Weighted Average Diluted Shares Outstanding		 52.51M 53.27M 53.45M 53.72M 53.53M 55.28M 55.13M 55.40M 55.10M 58.02M 56.77M
Weighted Average Basic & Diluted Shares Outstanding		 52.83M 53.21M 53.71M 53.79M 54.23M 54.89M 55.39M 55.42M 55.57M 56.68M 56.99M

Annual Cash Flow Statements for Green Dot

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

Quarterly Cash Flow Statements for Green Dot

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -29 433 198 136 139 180 540 -675 -216 225 -503
Net Cash From Operating Activities		 -35 89 31 -16 -23 109 69 23 -62 95 100
Net Cash From Continuing Operating Activities		 -35 89 31 -16 -23 109 69 23 -62 95 100
Net Income / (Loss) Continuing Operations		 -24 4.75 -29 -7.84 5.10 26 -47 -31 -47 54 -2.09
Consolidated Net Income / (Loss)		 -24 4.75 -29 -7.84 5.10 26 -47 -31 -47 54 -2.09
Depreciation Expense		 16 16 16 15 16 15 16 16 17 18 19
Amortization Expense		 5.11 5.10 4.82 4.77 4.61 4.69 5.12 5.45 5.92 6.11 6.26
Non-Cash Adjustments To Reconcile Net Income		 27 26 30 22 21 43 89 17 23 26 12
Changes in Operating Assets and Liabilities, net		 -60 37 10 -51 -69 20 5.66 16 -62 -8.86 65
Net Cash From Investing Activities		 15 -4.53 12 78 -4.42 -63 565 -789 -163 -567 -61
Net Cash From Continuing Investing Activities		 15 -4.53 12 78 -4.42 -63 565 -789 -163 -567 -61
Purchase of Property, Plant & Equipment		 -20 -14 -17 -21 -22 -19 -19 -20 -14 -19 -20
Purchase of Investments		 -7.41 -40 20 -16 -3.49 -98 -194 -812 -220 -566 -118
Sale and/or Maturity of Investments		 45 85 49 60 78 55 779 43 71 41 54
Other Investing Activities, net		 -2.51 -0.08 -39 55 -57 -0.47 -0.45 -1.10 -0.25 -23 22
Net Cash From Financing Activities		 -8.74 348 154 75 166 135 -94 91 9.92 696 -541
Net Cash From Continuing Financing Activities		 -8.74 348 154 75 166 135 -94 91 9.92 696 -541
Issuance of Debt		 129 64 103 116 4.95 15 - - - 500 -500
Other Financing Activities, net		 -45 364 135 93 159 121 -97 91 8.87 195 -41
Cash Interest Paid		 2.31 3.32 3.04 3.54 3.07 2.11 4.44 1.52 4.30 2.74 5.60
Cash Income Taxes Paid		 7.25 0.20 1.02 4.78 7.59 0.00 5.37 0.14 0.58 -0.12 3.28

Annual Balance Sheets for Green Dot

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

Quarterly Balance Sheets for Green Dot

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 4,686 4,573 4,664 5,321 5,517 5,285 5,728 5,583 5,767 6,651 6,192
Total Current Assets		 1,346 1,323 1,540 2,224 2,425 2,219 2,746 3,155 2,570 2,830 2,317
Cash & Equivalents		 722 661 711 1,119 1,317 1,454 1,773 2,313 1,637 1,646 1,143
Restricted Cash		 4.01 4.00 4.04 0.23 0.22 0.04 0.04 0.04 0.04 0.03 0.03
Accounts Receivable		 57 61 66 89 76 85 129 103 146 196 138
Prepaid Expenses		 64 57 65 80 52 49 63 52 55 107 64
Current Deferred & Refundable Income Taxes		 - - - - 1.84 1.32 - 7.45 13 0.42 1.63
Other Current Assets		 483 524 654 876 916 587 680 680 718 879 970
Plant, Property, & Equipment, net		 166 172 175 175 175 181 195 198 201 199 200
Total Noncurrent Assets		 3,174 3,078 2,949 2,921 2,917 2,885 2,787 2,230 2,997 3,622 3,675
Noncurrent Note & Lease Receivables		 32 30 28 40 35 33 39 35 37 47 44
Goodwill		 439 431 426 414 408 403 392 386 380 369 363
Noncurrent Deferred & Refundable Income Taxes		 111 119 132 129 148 128 103 96 91 80 81
Other Noncurrent Operating Assets		 2,593 2,499 2,363 2,338 2,326 2,320 2,254 1,714 2,489 3,126 3,186
Total Liabilities & Shareholders' Equity		 4,686 4,573 4,664 5,321 5,517 5,285 5,728 5,583 5,767 6,651 6,192
Total Liabilities		 3,826 3,732 3,868 4,450 4,647 4,353 4,780 4,663 4,854 5,710 5,253
Total Current Liabilities		 3,816 3,725 3,816 4,447 4,644 4,306 4,708 4,591 4,788 5,645 5,187
Accounts Payable		 112 106 109 108 99 95 116 112 107 101 59
Customer Deposits		 3,345 3,235 3,194 3,743 3,905 3,838 4,167 4,097 4,215 4,529 4,640
Current Deferred Revenue		 15 7.99 6.31 5.63 6.06 7.18 4.80 4.72 4.78 4.35 4.31
Current Deferred & Payable Income Tax Liabilities		 21 14 4.31 8.51 8.31 2.50 14 0.36 0.22 2.43 0.00
Other Current Liabilities		 322 363 503 537 564 363 406 378 461 1,008 484
Total Noncurrent Liabilities		 10 6.32 52 3.50 3.07 47 72 71 66 65 65
Long-Term Debt		 0.00 0.00 27 - - 44 63 63 63 64 64
Other Noncurrent Operating Liabilities		 10 6.32 25 3.50 3.07 3.29 8.72 7.79 2.09 1.71 1.55
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		 861 841 795 871 870 932 948 921 913 941 939
Total Preferred & Common Equity		 861 841 795 871 870 932 948 921 913 941 939
Total Common Equity		 861 841 795 871 870 932 948 921 913 941 939
Common Stock		 347 361 368 383 393 401 409 417 422 428 431
Retained Earnings		 800 800 794 775 746 738 769 722 692 698 696
Accumulated Other Comprehensive Income / (Loss)		 -286 -320 -367 -288 -269 -207 -230 -218 -200 -186 -188

Annual Metrics And Ratios for Green Dot

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%

Quarterly Metrics And Ratios for Green Dot

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - 54,229,674.00 54,890,759.00 55,392,705.00 55,422,413.00 55,567,588.00 56,680,265.00
DEI Adjusted Shares Outstanding		 - - - - - 54,229,674.00 54,890,759.00 55,392,705.00 55,422,413.00 55,567,588.00 56,680,265.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.48 -0.86 -0.56 -0.84 0.97 -0.04
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.90% 8.55% 11.27% 16.07% 24.31% 23.65% 23.84% 20.77% 14.85% 17.42% 18.19%
EBITDA Growth		 -114.13% -54.66% -132.63% 12.12% 890.87% 81.37% -430.66% -191.57% -125.85% 70.19% 160.23%
EBIT Growth		 -463.73% -81.77% -1,200.59% 13.14% 135.89% 300.74% -117.37% -414.83% -438.96% 97.53% 98.74%
NOPAT Growth		 -364.04% -82.65% -1,491.80% 57.13% 150.77% 576.18% 156.61% -1,019.75% -307.31% 17.94% -105.68%
Net Income Growth		 -501.14% -86.81% -5,067.99% -25.14% 121.62% 442.59% -63.76% -292.74% -1,017.56% 108.56% 95.56%
EPS Growth		 -446.15% -86.96% -5,500.00% -25.00% 122.22% 422.22% -57.41% -273.33% -950.00% 97.87% 95.29%
Operating Cash Flow Growth		 -236.41% -11.29% 15.65% -447.69% 34.12% 21.92% 119.01% 243.29% -171.47% -12.56% 44.42%
Free Cash Flow Firm Growth		 90.60% 115.03% 124.38% 628.78% 507.59% 66.20% 50.54% -80.08% -127.21% -125.79% -233.53%
Invested Capital Growth		 6,044.98% -321.56% -379.35% -876.29% -447.26% -227.90% -196.77% -26.82% 32.62% 25.66% 89.44%
Revenue Q/Q Growth		 3.69% 23.48% -9.93% 0.64% 11.05% 22.82% -9.79% -1.85% 5.62% 25.57% -9.20%
EBITDA Q/Q Growth		 -130.60% 915.65% -124.95% 280.03% 115.84% 87.05% -173.01% 68.93% 39.07% 1,331.45% -74.16%
EBIT Q/Q Growth		 -230.22% 134.65% -422.47% 76.46% 236.46% 286.89% -274.92% 44.25% 10.15% 325.46% -101.12%
NOPAT Q/Q Growth		 -284.15% 137.41% -340.81% 87.61% 554.96% 398.18% -79.84% -345.03% 15.77% 383.42% -100.97%
Net Income Q/Q Growth		 -276.74% 120.12% -704.53% 72.70% 165.09% 405.06% -282.46% 34.52% -52.07% 214.80% -103.88%
EPS Q/Q Growth		 -275.00% 120.00% -700.00% 72.22% 166.67% 370.00% -280.85% 34.12% -51.79% 209.41% -104.30%
Operating Cash Flow Q/Q Growth		 -846.03% 355.31% -64.68% -151.68% -41.36% 572.45% -36.55% -66.18% -367.81% 252.17% 4.80%
Free Cash Flow Firm Q/Q Growth		 -100.10% 275.57% 51.88% -0.89% 54.24% -28.41% 37.57% -86.89% -310.66% 32.13% -612.23%
Invested Capital Q/Q Growth		 198.02% -231.76% -69.87% -16.38% -33.31% -24.41% -53.74% 50.27% 29.17% -37.25% 78.16%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 87.54% 85.22% 84.93% 84.92% 86.58% 88.15% 87.34% 87.19% 88.35% 90.89% 90.10%
EBITDA Margin		 -1.01% 6.70% -1.86% 3.32% 6.45% 9.83% -7.95% -2.52% -1.45% 14.24% 4.05%
Operating Margin		 -7.18% 2.34% -5.81% -0.72% 3.16% 10.87% 2.66% -6.63% -5.29% 10.52% -0.13%
EBIT Margin		 -6.89% 1.93% -6.93% -1.62% 1.99% 6.27% -12.16% -6.91% -5.87% 10.55% -0.13%
Profit (Net Income) Margin		 -6.45% 1.05% -7.05% -1.91% 1.12% 4.61% -9.33% -6.22% -8.96% 8.19% -0.35%
Tax Burden Percent		 90.30% 65.18% 97.44% 95.45% 64.95% 76.58% 74.73% 86.19% 145.05% 79.47% 88.62%
Interest Burden Percent		 103.59% 83.34% 104.51% 123.76% 86.75% 96.04% 102.66% 104.55% 105.15% 97.72% 304.26%
Effective Tax Rate		 0.00% 34.82% 0.00% 0.00% 35.05% 23.42% 0.00% 0.00% 0.00% 20.53% 0.00%
Return on Invested Capital (ROIC)		 -76.72% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 -76.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 66.89% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 -9.83% -2.84% -6.29% -6.42% -3.08% -0.62% -2.68% -5.09% -11.21% -7.51% -2.79%
Cash Return on Invested Capital (CROIC)		 -96.47% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 -2.15% 0.59% -2.17% -0.53% 0.67% 2.08% -4.22% -2.52% -2.14% 3.71% -0.05%
Return on Assets (ROA)		 -2.02% 0.32% -2.21% -0.63% 0.38% 1.53% -3.24% -2.27% -3.26% 2.88% -0.14%
Return on Common Equity (ROCE)		 -9.83% -2.83% -6.29% -6.42% -3.08% -0.62% -2.68% -5.09% -11.21% -7.51% -2.79%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -2.82% -6.19% -5.94% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 -18 6.88 -17 -2.05 9.34 47 9.38 -23 -19 55 -0.53
NOPAT Margin		 -5.02% 1.52% -4.07% -0.50% 2.05% 8.32% 1.86% -4.64% -3.70% 8.36% -0.09%
Net Nonoperating Expense Percent (NNEP)		 -0.72% -0.23% -1.22% -0.53% -0.38% -1.41% -3.16% -0.52% -1.88% -0.07% -0.09%
Return On Investment Capital (ROIC_SIMPLE)		 -2.00% - - - 1.01% 4.60% 0.95% -2.35% -2.03% 5.46% -0.05%
Cost of Revenue to Revenue		 12.46% 14.78% 15.07% 15.08% 13.42% 11.85% 12.66% 12.81% 11.65% 9.11% 9.90%
SG&A Expenses to Revenue		 80.84% 69.08% 77.74% 72.79% 72.59% 66.60% 74.73% 80.05% 83.68% 71.32% 81.93%
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		 58.18% 97.67% 105.81% 85.63% 55.25% 77.28% 84.68% 93.82% 93.64% 80.37% 90.23%
Earnings before Interest and Taxes (EBIT)		 -25 8.74 -28 -6.64 9.06 35 -61 -34 -31 69 -0.77
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -3.71 30 -7.56 14 29 55 -40 -12 -7.59 93 24
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.60 0.57 0.58 0.67 0.66 0.48 0.64 0.81 0.80 0.66 0.82
Price to Tangible Book Value (P/TBV)		 1.18 1.08 1.09 1.19 1.20 0.82 1.11 1.40 1.38 1.09 1.33
Price to Revenue (P/Rev)		 0.35 0.32 0.32 0.38 0.33 0.25 0.31 0.37 0.34 0.29 0.34
Price to Earnings (P/E)		 77.25 0.00 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		 1.29% 0.00% 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)		 0.00 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)		 0.00 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)		 0.00 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)		 0.00 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)		 0.00 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)		 0.00 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		 0.07 0.05 0.07 0.05 0.06 0.07 0.07 0.07 0.07 0.07 0.07
Long-Term Debt to Equity		 0.00 0.00 0.00 0.05 0.06 0.07 0.07 0.07 0.07 0.07 0.07
Financial Leverage		 -0.88 -1.08 -1.17 -1.26 -1.29 -1.62 -1.99 -1.64 -1.66 -1.80 -1.79
Leverage Ratio		 5.85 5.78 5.90 5.76 5.92 6.08 6.20 5.99 6.47 6.56 6.33
Compound Leverage Factor		 6.06 4.82 6.16 7.13 5.13 5.84 6.36 6.26 6.81 6.41 19.26
Debt to Total Capital		 6.63% 4.91% 6.65% 4.48% 5.26% 6.26% 6.44% 6.50% 6.66% 6.34% 6.35%
Short-Term Debt to Total Capital		 6.63% 4.91% 6.65% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 4.48% 5.26% 6.26% 6.44% 6.50% 6.66% 6.34% 6.35%
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		 93.37% 95.09% 93.35% 95.52% 94.74% 93.74% 93.56% 93.50% 93.34% 93.66% 93.65%
Debt to EBITDA		 0.62 0.73 1.99 1.34 0.74 0.70 1.10 2.00 -12.17 1.91 0.65
Net Debt to EBITDA		 -6.70 -18.34 -42.31 -44.56 -23.87 -20.06 -38.93 -49.61 260.04 -47.50 -11.07
Long-Term Debt to EBITDA		 0.00 0.00 0.00 1.34 0.74 0.70 1.10 2.00 -12.17 1.91 0.65
Debt to NOPAT		 5.86 -3.62 -1.92 -1.47 -41.56 -0.88 1.06 1.63 6.65 4.14 11.69
Net Debt to NOPAT		 -63.32 91.17 40.72 49.06 1,342.98 25.17 -37.54 -40.37 -142.05 -103.00 -197.95
Long-Term Debt to NOPAT		 0.00 0.00 0.00 -1.47 -41.56 -0.88 1.06 1.63 6.65 4.14 11.69
Altman Z-Score		 0.02 0.06 0.04 0.11 0.13 0.17 0.26 0.13 0.09 0.07 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		 0.41 0.50 0.52 0.52 0.54 0.58 0.69 0.54 0.53 0.50 0.45
Quick Ratio		 0.21 0.29 0.31 0.37 0.39 0.43 0.53 0.37 0.32 0.33 0.25
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -222 389 591 586 904 647 890 117 -246 -167 -1,189
Operating Cash Flow to CapEx		 -170.88% 615.23% 185.29% -78.74% -104.04% 559.90% 353.85% 117.90% -451.24% 499.48% 501.99%
Free Cash Flow to Firm to Interest Expense		 0.00 267.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 61.21 0.00 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 51.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.31 0.31 0.31 0.33 0.34 0.33 0.35 0.36 0.36 0.35 0.39
Accounts Receivable Turnover		 16.27 20.97 23.04 21.71 14.24 16.80 21.55 17.47 12.64 13.40 18.85
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		 8.84 9.01 9.10 9.19 9.38 9.90 10.33 10.54 10.76 11.07 11.40
Accounts Payable Turnover		 2.04 2.15 2.26 2.30 2.25 2.23 2.40 2.52 2.33 2.28 2.85
Days Sales Outstanding (DSO)		 22.44 17.40 15.84 16.82 25.64 21.73 16.94 20.89 28.88 27.23 19.37
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)		 178.85 169.93 161.19 158.39 162.57 163.44 152.26 144.93 156.75 160.38 128.08
Cash Conversion Cycle (CCC)		 -156.42 -152.53 -145.35 -141.58 -136.94 -141.71 -135.32 -124.03 -127.86 -133.15 -108.71
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 200 -264 -448 -521 -694 -864 -1,328 -661 -468 -642 -140
Invested Capital Turnover		 15.27 -21.26 -10.98 -7.21 -6.97 -3.25 -2.17 -3.41 -3.58 -2.89 -3.09
Increase / (Decrease) in Invested Capital		 203 -382 -608 -588 -894 -601 -881 -140 227 222 1,188
Enterprise Value (EV)		 -140 -641 -815 -824 -996 -1,354 -1,657 -830 -648 -959 -314
Market Capitalization		 519 493 503 629 572 458 592 744 710 623 766
Book Value per Share		 $16.38 $16.48 $16.35 $17.36 $16.24 $17.48 $16.78 $16.49 $16.06 $16.93 $16.57
Tangible Book Value per Share		 $8.37 $8.64 $8.68 $9.85 $8.84 $10.25 $9.75 $9.62 $9.31 $10.28 $10.16
Total Capital		 920 916 932 976 922 1,011 984 977 954 1,004 1,003
Total Debt		 61 45 62 44 49 63 63 63 64 64 64
Total Long-Term Debt		 0.00 0.00 0.00 44 49 63 63 63 64 64 64
Net Debt		 -659 -1,134 -1,318 -1,453 -1,568 -1,812 -2,249 -1,574 -1,358 -1,583 -1,080
Capital Expenditures (CapEx)		 20 14 17 21 22 19 19 20 14 19 20
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -2,975 -3,357 -3,537 -3,584 -3,691 -3,837 -3,749 -3,856 -3,811 -4,462 -4,014
Debt-free Net Working Capital (DFNWC)		 -2,254 -2,177 -2,158 -2,087 -2,074 -1,962 -1,436 -2,219 -2,389 -2,815 -2,870
Net Working Capital (NWC)		 -2,315 -2,222 -2,220 -2,087 -2,074 -1,962 -1,436 -2,219 -2,389 -2,815 -2,870
Net Nonoperating Expense (NNE)		 5.21 2.13 12 5.79 4.23 21 56 7.81 27 1.11 1.55
Net Nonoperating Obligations (NNO)		 -659 -1,134 -1,318 -1,453 -1,568 -1,812 -2,249 -1,574 -1,358 -1,583 -1,080
Total Depreciation and Amortization (D&A)		 22 22 21 20 20 20 21 22 23 24 25
Debt-free, Cash-free Net Working Capital to Revenue		 -198.13% -218.40% -224.12% -219.19% -214.10% -209.58% -194.47% -191.58% -183.18% -204.86% -176.85%
Debt-free Net Working Capital to Revenue		 -150.15% -141.67% -136.71% -127.64% -120.33% -107.17% -74.51% -110.23% -114.84% -129.26% -126.47%
Net Working Capital to Revenue		 -154.22% -144.60% -140.64% -127.64% -120.33% -107.17% -74.51% -110.23% -114.84% -129.26% -126.47%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.46) $0.09 ($0.54) ($0.15) $0.10 $0.47 ($0.85) ($0.56) ($0.85) $0.96 ($0.04)
Adjusted Weighted Average Basic Shares Outstanding		 52.25M 52.94M 53.45M 53.72M 53.53M 54.36M 55.13M 55.40M 55.10M 55.74M 56.77M
Adjusted Diluted Earnings per Share		 ($0.45) $0.09 ($0.54) ($0.15) $0.10 $0.47 ($0.85) ($0.56) ($0.85) $0.93 ($0.04)
Adjusted Weighted Average Diluted Shares Outstanding		 52.51M 53.27M 53.45M 53.72M 53.53M 55.28M 55.13M 55.40M 55.10M 58.02M 56.77M
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		 52.83M 53.21M 53.71M 53.79M 54.23M 54.89M 55.39M 55.42M 55.57M 56.68M 56.99M
Normalized Net Operating Profit after Tax (NOPAT)		 -18 6.88 -17 -2.05 9.34 47 9.38 -9.05 -19 55 -0.47
Normalized NOPAT Margin		 -5.02% 1.52% -4.07% -0.50% 2.05% 8.32% 1.86% -1.83% -3.70% 8.37% -0.08%
Pre Tax Income Margin		 -7.14% 1.61% -7.24% -2.00% 1.73% 6.02% -12.48% -7.22% -6.18% 10.31% -0.40%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 6.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 4.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 -3.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 -5.23 0.00 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 Q2 2026 results show strong long-term revenue growth and improving operating cash flow, but profitability remains inconsistent. Revenue increased to $595.9 million from $504.2 million in Q2 2025, an 18.2% year-over-year gain. On a same-quarter basis, revenue has risen from $365.9 million in Q2 2023 and $407.1 million in Q2 2024, indicating substantial expansion over the past several years. However, revenue declined 9.2% sequentially from $656.2 million in Q1 2026.

Gross profit reached $536.9 million, and the gross margin improved to approximately 90.1% from 87.3% in Q2 2025. Green Dot also generated $99.6 million in operating cash flow, up from $69.0 million a year earlier and $95.1 million in Q1 2026. The company’s Q2 net loss narrowed sharply to $2.1 million, or $0.04 per diluted share, compared with a $47.0 million loss, or $0.85 per share, in the prior-year quarter. Nevertheless, the company remained slightly loss-making at the operating level, reporting a $761,000 operating loss.

The balance sheet reflects the deposit-funded nature of Green Dot’s business. Customer deposits increased 13.3% year over year to $4.64 billion and remained well above $4 billion throughout the supplied period. Total equity was $939.4 million in Q2 2026, roughly stable sequentially and higher than the $841.2 million reported in Q2 2023. However, cash and equivalents fell to $1.14 billion from $1.65 billion in Q1 2026 and $2.31 billion in Q2 2025, while the company recorded a $503.0 million quarterly decline in cash. The cash reduction was primarily associated with a $541.4 million financing cash outflow, reported largely as a $500 million debt-related outflow.

  • Revenue grew 18.2% year over year in Q2 2026 and has expanded significantly from Q2 2023 levels.
  • Gross margin improved to approximately 90.1%, suggesting favorable revenue mix or lower direct service costs.
  • Operating cash flow remained strong at $99.6 million despite the reported net loss.
  • The Q2 net loss narrowed substantially from $47.0 million to $2.1 million year over year, while diluted loss per share improved from $0.85 to $0.04.
  • Customer deposits reached $4.64 billion, up 13.3% year over year, supporting the scale of Green Dot’s platform and deposit-based funding model.
  • Long-term debt remained relatively stable near $63.7 million, while total equity remained close to $939 million.
  • Quarterly profitability has been volatile: Green Dot earned $53.8 million in Q1 2026 but posted a small loss in Q2, following losses in Q3 and Q4 2025.
  • The company’s large “other current assets” and “other noncurrent operating assets” balances make up a significant portion of total assets and warrant monitoring because their composition is not detailed in the supplied data.
  • Revenue declined sequentially by approximately 9.2% from Q1 2026, while selling, general and administrative expense increased to $488.2 million from $468.0 million.
  • Cash and equivalents declined approximately 30.5% year over year and 30.6% sequentially, with the quarter’s cash reduction driven by a $541.4 million financing outflow.
08/24/26 11:12 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. See where experts think Green Dot is headed by visiting Green Dot's forecast page.

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%.


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Financial statements for NYSE:GDOT last updated on 8/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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