NYSE : GDOT
Green Dot Corporation — Financial statements
Financials · Credit Services · United States
Last price 12.3 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 700.92M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 95.38M | 89.78M | 62.37M | 37.34M | 42.16M | 18.79M |
| Interest Paid on Deposits | 6.29M | 6.15M | 5.51M | 3.03M | 255.00K | 150.00K |
| Net Interest Income | 89.09M | 83.63M | 56.86M | 34.32M | 41.90M | 18.64M |
| Gain (Loss) on Sale of Investments | 24.78M | |||||
| Other Non-Interest Income | 2.17B | 1.99B | 1.66B | 1.46B | 1.41B | 1.41B |
| Total Non-Interest Income | 2.20B | 1.99B | 1.66B | 1.46B | 1.41B | 1.41B |
| Revenue | 2.29B | 2.07B | 1.72B | 1.50B | 1.45B | 1.43B |
| Salaries and Employee Benefits | 225.32M | 235.67M | 221.12M | 204.78M | 209.13M | 213.27M |
| Selling, General & Administrative | 574.62M | 565.29M | 612.24M | 634.65M | 660.34M | 764.17M |
| Other Non-Interest Expense | 1.44B | 1.25B | 886.51M | 636.24M | 477.56M | 389.61M |
| Total Non-Interest Expense | 2.25B | 2.14B | 1.74B | 1.48B | 1.36B | 1.37B |
| EBT Excluding Unusual Items | 37.92M | -61.85M | -17.59M | 14.63M | 88.19M | 63.70M |
| Asset Writedown | -2.20M | -2.02M | -4.94M | -4.26M | ||
| Pretax Income | -2.72M | -97.27M | -22.54M | 14.63M | 83.92M | 63.70M |
| Income Tax Expense | 23.23M | 1.59M | 4.16M | 7.91M | 19.71M | 16.22M |
| Net Income | -25.95M | -98.87M | -26.70M | 6.72M | 64.21M | 47.48M |
| Preferred Dividends & Other Adjustments | 178.00K | 412.00K | ||||
| Net Income to Common | -25.95M | -98.87M | -26.70M | 6.72M | 64.03M | 47.07M |
| Basic Shares Outstanding | 55.85M | 55.10M | 53.53M | 52.25M | 53.35M | 54.07M |
| Diluted Shares Outstanding | 55.85M | 55.10M | 53.53M | 52.51M | 53.87M | 55.22M |
| EPS (Basic) | -0.46 | -1.79 | -0.50 | 0.13 | 1.20 | 0.87 |
| EPS (Diluted) | -0.46 | -1.79 | -0.50 | 0.13 | 1.19 | 0.85 |
| Effective Tax Rate | 54.06% | 23.48% | 25.46% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.14B | 1.42B | 1.59B | 682.26M | 813.95M | 1.32B |
| Investment Securities | 570.21M | 574.73M | 363.63M | 342.99M | 307.82M | 328.67M |
| Mortgage-Backed Securities | 2.50B | 1.93B | 1.80B | 2.00B | 2.14B | 1.85B |
| Total Investments | 3.07B | 2.51B | 2.16B | 2.35B | 2.45B | 2.18B |
| Gross Loans | 88.34M | 81.93M | 55.33M | 51.48M | 34.32M | 30.22M |
| Allowance for Loan Losses | -39.00M | -22.27M | -19.28M | -16.66M | -11.31M | -8.95M |
| Net Loans | 49.34M | 59.66M | 36.05M | 34.82M | 23.01M | 21.27M |
| Property, Plant & Equipment | 201.14M | 8.01M | 20.89M | 17.82M | 19.34M | 21.21M |
| Goodwill | 301.79M | 301.79M | 301.79M | 301.79M | 301.79M | |
| Other Intangible Assets | 363.34M | 264.01M | 274.45M | 285.59M | 292.49M | 290.25M |
| Loans Held for Sale | 3.85M | |||||
| Other Receivables | 132.04M | 95.31M | 81.33M | 63.88M | 43.92M | 59.11M |
| Restricted Cash | 31.00K | 44.00K | 44.00K | 4.24M | 5.90M | 3.32M |
| Other Current Assets | 1.04B | 1.12B | 726.18M | 849.38M | 600.47M | 422.40M |
| Long-Term Deferred Tax Assets | 80.66M | 92.19M | 124.41M | 117.14M | 117.17M | 15.05M |
| Other Long-Term Assets | 113.18M | 112.77M | 110.46M | 112.16M | 110.50M | 74.90M |
| Total Assets | 6.19B | 5.99B | 5.43B | 4.82B | 4.79B | 4.73B |
| Accounts Payable | 59.04M | 114.71M | 103.77M | 119.87M | 113.89M | 51.35M |
| Accrued Expenses | 149.80M | 153.61M | 87.67M | 91.24M | 98.58M | 128.29M |
| Interest Bearing Deposits | 170.55M | 136.70M | 102.78M | 76.72M | 35.08M | 25.74M |
| Institutional Deposits | 3.69M | 3.80M | 2.13M | 2.00M | 2.27M | 2.50M |
| Non-Interest Bearing Deposits | 4.47B | 4.28B | 3.91B | 3.21B | 3.41B | 3.26B |
| Total Deposits | 4.64B | 4.42B | 4.01B | 3.29B | 3.45B | 3.29B |
| Short-Term Borrowings | 84.00K | 225.00K | 328.00K | 513.00K | ||
| Current Portion of Long-Term Debt | 61.00M | |||||
| Current Portion of Leases | 356.00K | 325.00K | 2.42M | 3.37M | 3.17M | 6.92M |
| Current Income Taxes Payable | 2.37M | 6.65M | 6.26M | 11.64M | 291.00K | |
| Other Current Liabilities | 333.54M | 338.03M | 285.10M | 371.28M | 258.93M | 139.90M |
| Long-Term Debt | 63.74M | 63.54M | 48.53M | 35.00M | ||
| Long-Term Leases | 1.42M | 1.60M | 8.64M | 2.69M | 5.25M | 8.21M |
| Other Long-Term Liabilities | 132.00K | 282.00K | 1.04M | 1.90M | 5.78M | 3.53M |
| Total Liabilities | 5.25B | 5.09B | 4.56B | 3.96B | 4.01B | 3.65B |
| Common Stock | 57.00K | 56.00K | 55.00K | 53.00K | 52.00K | 55.00K |
| Additional Paid-In Capital | 430.97M | 427.48M | 408.01M | 375.98M | 340.57M | 401.06M |
| Retained Earnings | 696.40M | 644.74M | 743.60M | 770.30M | 763.58M | 699.37M |
| Comprehensive Income & Other | -188.03M | -182.02M | -278.08M | -286.99M | -322.73M | -29.81M |
| Total Common Equity | 939.40M | 890.25M | 873.59M | 859.35M | 781.48M | 1.07B |
| Shareholders' Equity | 939.40M | 890.25M | 873.59M | 859.35M | 781.48M | 1.07B |
| Total Liabilities & Equity | 6.19B | 5.99B | 5.43B | 4.82B | 4.79B | 4.73B |
| Total Debt | 65.51M | 65.47M | 59.67M | 67.28M | 43.74M | 15.64M |
| Net Cash (Debt) | 1.08B | 1.36B | 1.53B | 614.98M | 770.20M | 1.31B |
| Net Cash Per Share | 19.30 | 24.61 | 28.63 | 11.71 | 14.30 | 23.66 |
| Filing Date Shares Outstanding | 56.99M | 55.57M | 54.23M | 52.83M | 51.72M | 54.95M |
| Total Common Shares Outstanding | 56.98M | 55.56M | 54.23M | 52.82M | 51.67M | 54.87M |
| Book Value Per Share | 16.49 | 16.02 | 16.11 | 16.27 | 15.12 | 19.51 |
| Tangible Book Value | 576.06M | 324.44M | 297.34M | 271.97M | 187.20M | 478.63M |
| Tangible Book Value Per Share | 10.11 | 5.84 | 5.48 | 5.15 | 3.62 | 8.72 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -25.95M | -98.87M | -26.70M | 6.72M | 64.21M | 47.48M |
| Depreciation & Amortization | 34.63M | 29.22M | 30.00M | 31.17M | 30.71M | 37.30M |
| Other Amortization | 56.30M | 56.30M | 54.70M | 51.80M | 49.90M | 47.50M |
| Gain (Loss) on Sale of Investments | 3.05M | 25.16M | -1.99M | -2.28M | -1.43M | 2.56M |
| Total Asset Writedown | 2.20M | 2.02M | 4.94M | 4.26M | ||
| Provision for Credit Losses | 43.09M | 36.22M | 47.32M | 51.08M | 46.12M | 44.80M |
| Change in Accounts Payable | 42.62M | 69.39M | -19.47M | 690.00K | 41.10M | -5.31M |
| Change in Income Taxes | 19.33M | -4.53M | -22.00K | -5.61M | 11.72M | -14.13M |
| Change in Other Net Operating Assets | -51.81M | -83.10M | -41.77M | -43.60M | -4.33M | -47.16M |
| Other Operating Activities | 3.93M | 3.99M | -10.40M | -15.97M | -11.34M | 2.87M |
| Operating Cash Flow | 155.54M | 138.56M | 81.38M | 97.52M | 277.69M | 167.03M |
| Capital Expenditures | -72.51M | -72.54M | -74.29M | -75.94M | -84.33M | -57.43M |
| Investment in Securities | -1.47B | -332.53M | 186.12M | 141.85M | -701.25M | -1.28B |
| Income (Loss) Equity Investments | 11.27M | 86.87M | 15.75M | 9.31M | 15.65M | -1.58M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -38.09M | -43.19M | -27.86M | -28.97M | -32.06M | -28.39M |
| Other Investing Activities | -2.31M | -2.27M | -2.57M | -3.78M | -2.56M | -852.00K |
| Investing Cash Flow | -1.58B | -450.53M | 81.40M | 33.16M | -820.19M | -1.37B |
| Long-Term Debt Issued | 14.86M | 287.50M | 282.00M | 100.00M | ||
| Total Debt Issued | 14.86M | 287.50M | 282.00M | 100.00M | ||
| Long-Term Debt Repaid | -299.00M | -256.00M | -65.00M | |||
| Total Debt Repaid | -299.00M | -256.00M | -65.00M | |||
| Net Debt Issued (Repaid) | 14.86M | -11.50M | 26.00M | 35.00M | ||
| Issuance of Common Stock | 1.86M | 3.68M | 5.00M | 5.57M | 6.18M | 8.04M |
| Repurchase of Common Stock | -5.43M | -2.91M | -2.89M | -3.90M | -101.47M | -12.86M |
| Net Increase (Decrease) in Deposit Accounts | 504.07M | 404.80M | 717.98M | -159.44M | 157.14M | 555.06M |
| Other Financing Activities | -245.19M | -279.15M | 34.56M | -132.25M | -60.14M | 480.15M |
| Financing Cash Flow | 255.31M | 141.28M | 743.15M | -264.02M | 36.71M | 1.03B |
| Net Cash Flow | -1.17B | -170.70M | 905.93M | -133.34M | -505.80M | -171.06M |
| Free Cash Flow | 83.03M | 66.02M | 7.10M | 21.58M | 193.36M | 109.60M |
| Free Cash Flow Margin | 3.63% | 3.18% | 0.41% | 1.44% | 13.34% | 7.65% |
| Free Cash Flow Per Share | 1.49 | 1.20 | 0.13 | 0.41 | 3.59 | 1.99 |
| Cash Interest Paid | 14.16M | 12.37M | 12.97M | 5.92M | 627.00K | 1.43M |
| Cash Income Tax Paid | 3.88M | 6.10M | 13.59M | 24.35M | 12.97M | 27.20M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 700.92M | 709.96M | 572.29M | 519.28M | 831.64M | 1.98B |
| Last Close Price | 12.30 | 12.81 | 10.64 | 9.90 | 15.82 | 36.24 |
| PE Ratio | 77.25 | 12.99 | 42.10 | |||
| PS Ratio | 0.31 | 0.34 | 0.33 | 0.35 | 0.57 | 1.38 |
| PB Ratio | 0.75 | 0.80 | 0.66 | 0.60 | 1.06 | 1.85 |
| P/FCF Ratio | 8.44 | 10.75 | 80.65 | 24.07 | 4.30 | 18.08 |
| P/OCF Ratio | 4.51 | 5.12 | 7.03 | 5.33 | 3.00 | 11.86 |
| Debt / Equity Ratio | 0.07 | 0.07 | 0.07 | 0.08 | 0.06 | 0.01 |
| Debt / FCF Ratio | 0.79 | 0.99 | 8.41 | 3.12 | 0.23 | 0.14 |
| Net Debt / Equity Ratio | -1.15 | -1.52 | -1.75 | -0.72 | -0.99 | -1.22 |
| Net Debt / FCF Ratio | -12.98 | -20.54 | -216.00 | -28.50 | -3.98 | -11.92 |
| Return on Equity (ROE) | -2.79% | -11.21% | -3.08% | 0.82% | 6.93% | 4.56% |
| Return on Assets (ROA) | -0.44% | -1.73% | -0.52% | 0.14% | 1.35% | 1.07% |
| Earnings Yield | -3.78% | -13.93% | -4.67% | 1.29% | 7.72% | 2.40% |
| FCF Yield | 11.85% | 9.30% | 1.24% | 4.15% | 23.25% | 5.53% |
| Buyback Yield / Dilution | -2.86% | -2.94% | -1.94% | 2.53% | 2.44% | -2.86% |