GDOT

MKT CAP:$675M

Green Dot Corporation

Market Cap

$675M

Financial Services·Financial - Credit Services·🇺🇸 United States·NYSE

Financials·Financial·🇺🇸·NYSE

Stock Price

$12.17-$0.43 (-3.41%)

Apr 24, 2026

Company Details

Green Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Servic...

CEO

William I. Jacobs

IPO Date

Jul 22, 2010

Website

www.greendot.com

Key Metrics TTM

Revenue

$2.1B

+20.7% YoY

Net Income

-$99M

EPS (Diluted)

-$1.78

Free Cash Flow

$60M

Revenue / Share

$37.49

Gross Margin

24.5%

Operating Margin

2.7%

Net Margin

-4.8%

FCF Margin

2.9%

P/S

0.3x

P/E

—

Earnings Reports

Q1 2026

May 14, 2026

PENDING

FY 2025

Mar 16, 2026

$2.1B+20.7%EPS -$1.79

Q4 2025

Mar 16, 2026

$523M+14.9%EPS -$0.84

Q3 2025

Nov 10, 2025

$495M+20.8%EPS -$0.56

Q2 2025

Aug 11, 2025

$504M+23.8%EPS -$0.85

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$401M	$222M	$52M
Q2 22	$363M	$193M	$24M
Q3 22	$344M	$157M	$11M
Q4 22	$342M	$152M	$8M
Q1 23	$416M	$203M	$51M
Q2 23	$366M	$148M	$5M
Q3 23	$353M	$131M	-$7M
Q4 23	$366M	$141M	-$26M
Q1 24	$452M	$188M	$11M
Q2 24	$407M	$137M	-$24M
Q3 24	$410M	$118M	-$3M
Q4 24	$455M	$137M	$14M
Q1 25	$559M	$187M	$61M
Q2 25	$504M	$145M	$13M
Q3 25	$495M	$121M	-$33M
Q4 25	$523M	$57M	$14M

Valuation

Quarter	P/S	P/E
Q1 22	1.0x	12.8x
Q2 22	1.0x	16.6x
Q3 22	0.7x	15.3x
Q4 22	0.6x	13.7x
Q1 23	0.6x	14.2x
Q2 23	0.7x	21.2x
Q3 23	0.5x	19.9x
Q4 23	0.3x	71.6x
Q1 24	0.3x	—
Q2 24	0.3x	—
Q3 24	0.4x	—
Q4 24	0.3x	—
Q1 25	0.2x	—
Q2 25	0.3x	—
Q3 25	0.4x	—
Q4 25	0.3x	—

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$116M	$97M
Q2 22	$72M	$54M
Q3 22	$65M	$41M
Q4 22	$26M	$2M
Q1 23	$101M	$81M
Q2 23	$27M	$9M
Q3 23	$5M	-$13M
Q4 23	-$35M	-$55M
Q1 24	$89M	$75M
Q2 24	$31M	$14M
Q3 24	-$16M	-$37M
Q4 24	-$23M	-$45M
Q1 25	$109M	$89M
Q2 25	$69M	$49M
Q3 25	$23M	$4M
Q4 25	-$62M	-$82M

Capital Expenditures

Quarter	CapEx
Q1 22	$19M
Q2 22	$18M
Q3 22	$24M
Q4 22	$24M
Q1 23	$20M
Q2 23	$19M
Q3 23	$17M
Q4 23	$20M
Q1 24	$14M
Q2 24	$17M
Q3 24	$21M
Q4 24	$22M
Q1 25	$19M
Q2 25	$19M
Q3 25	$20M
Q4 25	$19M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+60.7%	+39.9%
Q2 22	+0.2%	+11.7%
Q3 22	-12.6%	-7.4%
Q4 22	+0.9%	+1.1%
Q1 23	+3.9%	+4.7%
Q2 23	+0.9%	+6.6%
Q3 23	+2.7%	+8.1%
Q4 23	+6.9%	+17.3%
Q1 24	+8.6%	+20.8%
Q2 24	+11.3%	+19.3%
Q3 24	+16.1%	+14.7%
Q4 24	+24.3%	+12.3%
Q1 25	+23.6%	+12.8%
Q2 25	+23.8%	+13.9%
Q3 25	+20.8%	+27.9%
Q4 25	+14.9%	+15.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$15M	3.7%
Q2 22	$6M	1.6%
Q3 22	$11M	3.1%
Q4 22	$4M	1.0%
Q1 23	$9M	2.2%
Q2 23	$11M	2.9%
Q3 23	$8M	2.2%
Q4 23	$0	0.0%
Q1 24	$9M	1.9%
Q2 24	$7M	1.8%
Q3 24	$8M	2.0%
Q4 24	$0	0.0%
Q1 25	$3M	0.5%
Q2 25	$6M	1.1%
Q3 25	$5M	1.1%
Q4 25	$5M	0.9%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$87M	$84M
Q2 22	$91M	$77M
Q3 22	$79M	$67M
Q4 22	$74M	$70M
Q1 23	$76M	$75M
Q2 23	$80M	$63M
Q3 23	$82M	$56M
Q4 23	$117M	$51M
Q1 24	$117M	$62M
Q2 24	$109M	$53M
Q3 24	$70M	$53M
Q4 24	$75M	$49M
Q1 25	$87M	$60M
Q2 25	$84M	$50M
Q3 25	$87M	$48M
Q4 25	$95M	$50M

Revenue Segments

Quarter	Card Revenues And Other Fees	Cash Processing Revenues	Interchange Revenues	Processing And Settlement Service
Q1 22	$213M	$100M	$79M	—
Q2 22	$219M	$57M	$76M	—
Q3 22	$220M	$41M	$71M	—
Q1 23	$240M	$102M	$64M	—
Q2 23	$242M	$54M	$60M	—
Q3 23	$253M	$36M	$55M	—
Q1 24	$282M	—	$51M	$107M
Q2 24	$286M	—	$50M	$57M
Q3 24	$310M	—	$48M	$35M
Q1 25	$376M	—	$48M	$113M
Q2 25	$381M	—	$47M	$54M
Q3 25	$393M	—	$45M	$34M
Q4 25	$416M	—	$44M	$39M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$1.3B	$0	$1.3B
Q2 22	$776M	$0	$776M
Q3 22	$813M	$0	$813M
Q4 22	$814M	$0	$814M
Q1 23	$722M	$16M	$738M
Q2 23	$661M	$16M	$677M
Q3 23	$711M	$40M	$751M
Q4 23	$682M	$34M	$716M
Q1 24	$1.1B	$60M	$1.2B
Q2 24	$1.3B	$62M	$1.4B
Q3 24	$1.5B	$43M	$1.5B
Q4 24	$1.6B	$24M	$1.6B
Q1 25	$1.8B	$102M	$1.9B
Q2 25	$2.3B	$0	$2.3B
Q3 25	$1.6B	$0	$1.6B
Q4 25	$1.4B	$0	$1.4B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	55M	-0.3%	+5.6%
Q2 22	54M	-1.5%	+3.3%
Q3 22	53M	-1.9%	-3.1%
Q4 22	52M	-2.0%	-5.6%
Q1 23	52M	-0.5%	-5.8%
Q2 23	52M	+0.8%	-3.6%
Q3 23	52M	-0.1%	-1.9%
Q4 23	53M	+0.5%	+0.6%
Q1 24	53M	+1.2%	+2.4%
Q2 24	53M	+0.3%	+1.9%
Q3 24	54M	+0.5%	+2.6%
Q4 24	54M	-0.4%	+1.7%
Q1 25	55M	+3.3%	+3.8%
Q2 25	55M	-0.3%	+3.1%
Q3 25	55M	+0.5%	+3.1%
Q4 25	55M	+0.2%	+3.7%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$333.8K	1K
Q2 22	$302.3K	1K
Q3 22	$286.5K	1K
Q4 22	$285.4K	1K
Q1 23	$347.0K	1K
Q2 23	$304.9K	1K
Q3 23	$294.2K	1K
Q4 23	$305.0K	1K
Q1 24	$376.7K	1K
Q2 24	$339.3K	1K
Q3 24	$341.5K	1K
Q4 24	$395.7K	1K
Q1 25	$486.0K	1K
Q2 25	$438.4K	1K
Q3 25	$430.3K	1K
Q4 25	$580.7K	900

Revenue / Employee