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GDOT logoGreen Dot Corporation(GDOT)Earnings, Financials & Key Ratios

GDOT•NYSE•Banking & Credit
$12.56
$698M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryPayment Networks and Merchant Acquiring
AboutGreen 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 Services, and Money Movement Services. The company offers deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It also provides money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and simply paid disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services comprising tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Austin, Texas.Show more
  • Net Interest Income$0+100.0%
  • Total Revenue$2.08B+20.7%
  • Net Income-$99M-270.3%
  • Return on Equity-11.21%-263.8%
  • Net Interest Margin0%+100.0%
  • Efficiency Ratio99.34%+194.4%
  • ROA-1.73%-232.4%
  • Equity / Assets14.87%-7.5%
  • Book Value per Share16.16-1.0%
  • Tangible BV/Share16.16+81.8%
  • Debt/Equity0.07+7.8%
Technical→

GDOT Key Insights

Green Dot Corporation (GDOT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Well capitalized: 14.9% equity/assets
  • ✓Diversified revenue: 100.0% from non-interest income
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗High cost structure: 99.3% efficiency ratio

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

GDOT Price & Volume

Green Dot Corporation (GDOT) stock price & volume — 10-year historical chart

Loading chart...

GDOT Growth Metrics

Green Dot Corporation (GDOT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.52%
5 Years10.66%
3 Years12.8%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-270.26%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-251.57%

Return on Capital

10 Years7.13%
5 Years4.02%
3 Years1.31%
Last Year1.45%

GDOT Recent Earnings

Green Dot Corporation (GDOT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Mar 16, 2026
EPS
$0.08
Est $0.10
+20.0%
Revenue
$520M
Est $508M
+2.3%
Q2 2026
Mar 12, 2026
EPS
$0.11
Est $0.10
-10.0%
Revenue
$509M
Est $508M
+0.2%
Q4 2025
Nov 10, 2025
EPS
$0.06
Est $0.11
+154.5%
Revenue
$495M
Est $508M
-2.6%
Q3 2025
Aug 11, 2025
EPS
$0.40
Est $0.17
+135.3%
Revenue
$504M
Est $485M
+4.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMar 16, 2026
$0.08vs $0.10+20.0%
$520Mvs $508M+2.3%
Q2 2026Mar 12, 2026
$0.11vs $0.10-10.0%
$509Mvs $508M+0.2%
Q4 2025Nov 10, 2025
$0.06vs $0.11+154.5%
$495Mvs $508M-2.6%
Q3 2025Aug 11, 2025
$0.40vs $0.17+135.3%
$504Mvs $485M+4.0%
Based on last 12 quarters of dataView full earnings history →

GDOT Peer Comparison

Green Dot Corporation (GDOT) competitors in Payment Networks and Merchant Acquiring — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
OMF logoOMFOneMain Holdings, Inc.Direct Competitor6.55B55.908.529.09%23.62%6.67
RPAY logoRPAYRepay Holdings CorporationDirect Competitor303.9M3.45-1.15-1.21%-82.73%-46.64%0.91
SOFI logoSOFISoFi Technologies, Inc.Product Competitor20.79B16.3041.7928.78%5.87%0.17
DAVE logoDAVEDave Inc.Product Competitor3.27B246.3718.2147.49%40.81%84.53%0.21
AFRM logoAFRMAffirm Holdings, Inc.Product Competitor21.85B65.58437.2038.8%7.6%8.83%2.56
MOGO logoMOGOMogo Inc.Product Competitor24.95M1.03-2.509.18%10.86%9.73%1.05
NRDS logoNRDSNerdWallet, Inc.Product Competitor832.14M11.2017.5021.67%18.34%
V logoVVisa Inc.Supply Chain611.6B318.8031.2511.34%58.9%0.66

Compare GDOT vs Peers

Green Dot Corporation (GDOT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs OMF

Most directly comparable listed peer for GDOT.

Scale Benchmark

vs WMT

Larger-name benchmark to compare GDOT against a more recognizable public peer.

Peer Set

Compare Top 5

vs OMF, RPAY, SOFI, DAVE

GDOT Income Statement

Green Dot Corporation (GDOT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income5.41M18.66M0-761K-150K-255K0-5.51M0
NII Growth %407.98%245.14%-100%-80.29%-70%100%-100%
Net Interest Margin %0.25%0.82%0%-0.02%-0%-0.01%0%-0.1%0%
Interest Income11.24M23.7M0000000
Interest Expense5.84M5.05M0761K150K255K05.51M6.15M
Loan Loss Provision355.67M402.79M399.09M526.87M653.97M725.4M880.78M1.14B-6.15M
Non-Interest Income889.88M1.04B1.11B1.25B1.43B1.45B1.5B1.72B2.08B
Non-Interest Income %98.75%97.78%100%100%100%100%100%100%100%
Total Revenue
901.12M▲ 0%
1.07B▲ 18.2%
1.11B▲ 4.0%
1.25B▲ 13.1%
1.43B▲ 14.3%
1.45B▲ 1.1%
1.5B▲ 3.6%
1.72B▲ 14.8%
2.08B▲ 20.7%
Revenue Growth %24.1%18.25%4.04%13.09%14.31%1.14%3.57%14.82%20.69%
Non-Interest Expense430.32M527.33M586.59M696.06M712.6M629.54M597.88M581.75M2.07B
Efficiency Ratio47.75%49.49%52.91%55.52%49.72%43.43%39.82%33.75%99.34%
Operating Income
109.3M▲ 0%
130.41M▲ 19.3%
122.92M▼ 5.7%
30.07M▼ 75.5%
66.47M▲ 121.0%
94.38M▲ 42.0%
22.67M▼ 76.0%
-1.67M▼ 107.4%
13.66M▲ 918.9%
Operating Margin %12.13%12.24%11.09%2.4%4.64%6.51%1.51%-0.1%0.66%
Operating Income Growth %72.62%19.32%-5.75%-75.53%121.04%41.97%-75.98%-107.36%918.88%
Pretax Income
103.46M▲ 0%
123.82M▲ 19.7%
121.08M▼ 2.2%
28.09M▼ 76.8%
63.7M▲ 126.7%
83.92M▲ 31.7%
14.63M▼ 82.6%
-22.54M▼ 254.0%
-97.27M▼ 331.6%
Pretax Margin %11.48%11.62%10.92%2.24%4.44%5.79%0.97%-1.31%-4.68%
Income Tax17.57M5.11M21.18M4.96M16.22M19.71M7.91M4.16M1.59M
Effective Tax Rate %16.98%4.13%17.5%17.67%25.46%23.49%54.06%-18.47%-1.64%
Net Income
85.89M▲ 0%
118.7M▲ 38.2%
99.9M▼ 15.8%
23.13M▼ 76.8%
47.48M▲ 105.3%
64.21M▲ 35.2%
6.72M▼ 89.5%
-26.7M▼ 497.2%
-98.87M▼ 270.3%
Net Margin %9.53%11.14%9.01%1.84%3.31%4.43%0.45%-1.55%-4.75%
Net Income Growth %106.46%38.21%-15.84%-76.85%105.27%35.24%-89.53%-497.23%-270.26%
Net Income (Continuing)85.89M118.7M99.9M23.13M47.48M64.21M6.72M-26.7M-98.87M
EPS (Diluted)
1.61▲ 0%
2.18▲ 35.4%
1.88▼ 13.8%
0.42▼ 77.7%
0.85▲ 102.4%
1.19▲ 40.0%
0.13▼ 89.1%
-0.50▼ 484.6%
-1.79▼ 258.0%
EPS Growth %101.25%35.4%-13.76%-77.66%102.38%40%-89.08%-484.62%-258%
EPS (Basic)1.702.271.910.430.871.200.13-0.50-1.79
Diluted Shares Outstanding53.2M54.48M53.14M53.69M55.22M53.87M52.51M53.53M55.1M

GDOT Balance Sheet

Green Dot Corporation (GDOT) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments931.13M1.11B1.07B1.49B1.32B813.95M716.12M1.62B1.42B
Cash & Due from Banks919.24M1.09B1.06B1.49B1.32B813.95M682.26M1.59B1.42B
Short Term Investments11.89M19.96M10.02M00033.86M24.15M0
Total Investments153.51M201.18M277.44M970.97M2.12B2.36B2.24B2.03B2.47B
Investments Growth %-26.35%31.06%37.9%249.98%117.88%11.73%-5.36%-9.13%21.4%
Long-Term Investments141.62M181.22M267.42M970.97M2.12B2.36B2.2B2.01B2.47B
Accounts Receivables7.61M10.41M17.47M26.54M35.84M27.5M33.96M39.51M0
Goodwill & Intangibles582.38M551.12M520.99M491.78M466.94M445.08M420.48M397.94M0
Goodwill301.79M301.79M301.79M301.79M301.79M301.79M301.79M301.79M0
Intangible Assets280.59M249.33M219.2M189.99M165.15M143.29M118.69M96.15M0
PP&E (Net)97.28M120.27M171.85M146.53M146.31M168.54M184.72M199.19M199.41M
Other Assets48.54M50.69M49.3M79.82M172.53M228.87M253.74M275.91M211.06M
Total Current Assets1.32B1.38B1.44B2.41B1.81B1.47B1.64B2.43B2.64B
Total Non-Current Assets876.33M911.16M1.02B1.7B2.92B3.32B3.18B3.01B3.34B
Total Assets
2.2B▲ 0%
2.29B▲ 4.1%
2.46B▲ 7.6%
4.12B▲ 67.2%
4.73B▲ 14.8%
4.79B▲ 1.3%
4.82B▲ 0.6%
5.43B▲ 12.8%
5.99B▲ 10.1%
Asset Growth %26.27%4.08%7.58%67.25%14.83%1.35%0.58%12.81%10.14%
Return on Assets (ROA)4.36%5.29%4.21%0.7%1.07%1.35%0.14%-0.52%-1.73%
Accounts Payable34.86M38.63M37.88M34.82M51.35M113.89M119.87M103.77M114.71M
Total Debt79.61M58.7M68.59M24.81M15.13M43.41M67.06M59.58M65.47M
Net Debt-839.63M-1.04B-994.84M-1.47B-1.31B-770.53M-615.21M-1.53B-1.36B
Long-Term Debt58.7M035M0035M048.53M65.14M
Short-Term Debt20.91M58.7M380K235K0061M0325K
Other Liabilities30.52M30.93M10.88M4.28M3.53M5.78M1.9M1.04M282K
Total Current Liabilities1.34B1.34B1.45B3.08B3.64B3.96B3.95B4.5B5.03B
Total Non-Current Liabilities97M39.97M88.1M27.86M11.74M46.02M4.58M58.21M65.42M
Total Liabilities1.43B1.38B1.53B3.11B3.65B4.01B3.96B4.56B5.09B
Total Equity
764.55M▲ 0%
909.81M▲ 19.0%
927.36M▲ 1.9%
1.01B▲ 8.9%
1.07B▲ 6.0%
781.48M▼ 27.0%
859.35M▲ 10.0%
873.59M▲ 1.7%
890.25M▲ 1.9%
Equity Growth %11.82%19%1.93%8.89%6.02%-27.01%9.96%1.66%1.91%
Equity / Assets (Capital Ratio)34.79%39.78%37.69%24.54%22.66%16.32%17.84%16.08%14.87%
Return on Equity (ROE)11.86%14.18%10.88%2.39%4.56%6.93%0.82%-3.08%-11.21%
Book Value per Share14.3716.7017.4518.8119.3914.5116.3716.3216.16
Tangible BV per Share3.426.587.659.6510.936.248.368.8916.16
Common Stock51K53K52K54K55K52K53K55K56K
Additional Paid-in Capital354.79M380.75M296.22M354.46M401.06M340.57M375.98M408.01M0
Retained Earnings410.44M529.14M629.04M651.89M699.37M763.58M770.3M743.6M644.74M
Accumulated OCI-730K-137K2.04M3.43M-29.81M-322.73M-286.99M-278.08M-182.02M
Treasury Stock000000000
Preferred Stock000000000

GDOT Cash Flow Statement

Green Dot Corporation (GDOT) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations218.31M251.05M189.91M209.18M167.03M277.69M97.52M81.38M138.56M
Operating CF Growth %90.64%15%-24.35%10.14%-20.15%66.25%-64.88%-16.55%70.25%
Net Income85.89M118.7M99.9M23.13M47.48M64.21M6.72M-26.7M-98.87M
Depreciation & Amortization64.58M71.34M82.11M86.12M84.8M80.61M82.97M84.7M85.52M
Deferred Taxes2.78M-234K6.88M-15M2.72M-6.67M-11.87M-10.36M368K
Other Non-Cash Items71.9M19.3M8.97M32.65M45.93M59.94M54.02M65.99M132.83M
Working Capital Changes-47.57M-8.15M-37.52M28.59M-65.31M44.79M-68.07M-62.18M0
Cash from Investing-223.93M-114.97M-153.85M-785.83M-1.37B-820.19M33.16M81.4M-450.53M
Purchase of Investments-58.66M-186.88M-189.07M-994.43M-1.45B-963.48M0-11.85M-1.28B
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K
Net Investment Activity-57.67M-185.88M-188.07M-993.43M-1.45B-962.48M1000K-10.85M-1.28B
Acquisitions-141.5M00-35M-35M-35M-35M-35M0
Other Investing-91.27M-5.89M-2.46M-3.99M-29.24M-34.62M-32.75M-30.43M-143.16M
Cash from Financing192.19M-50.96M-65.13M1.01B1.03B36.71M-264.02M743.15M141.28M
Dividends Paid000000000
Share Repurchases-51.97M0-100M00-95.53M-3.9M00
Stock Issued000000000
Net Stock Activity-51.97M0-100M00-95.53M-3.9M00
Debt Issuance (Net)-1000K-1000K-1000K-1000K01000K1000K-1000K0
Other Financing284.73M-28.46M59.88M1.04B1.03B97.23M-286.12M754.65M141.28M
Net Change in Cash
186.57M▲ 0%
85.12M▼ 54.4%
-29.06M▼ 134.1%
430.55M▲ 1581.4%
-171.06M▼ 139.7%
-505.8M▼ 195.7%
-133.34M▲ 73.6%
905.93M▲ 779.4%
-170.7M▼ 118.8%
Exchange Rate Effect000000000
Cash at Beginning732.68M1.01B1.1B1.07B1.5B1.33B819.85M686.5M1.59B
Cash at End919.24M1.1B1.07B1.5B1.33B819.85M686.5M1.59B1.42B
Interest Paid4.52M4.89M2.45M926K1.43M627K5.92M12.97M0
Income Taxes Paid9.6M6.23M1.92M10.62M27.2M12.97M24.35M13.59M0
Free Cash Flow
174.17M▲ 0%
190.02M▲ 9.1%
111.7M▼ 41.2%
150.14M▲ 34.4%
109.6M▼ 27.0%
193.36M▲ 76.4%
21.58M▼ 88.8%
7.1M▼ 67.1%
138.56M▲ 1852.6%
FCF Growth %144.47%9.1%-41.22%34.42%-27%76.42%-88.84%-67.11%1852.61%

GDOT Banking Ratios

Green Dot Corporation (GDOT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)6.18%11.86%14.18%10.88%2.39%4.56%6.93%0.82%-3.08%-11.21%
Return on Assets (ROA)2.42%4.36%5.29%4.21%0.7%1.07%1.35%0.14%-0.52%-1.73%
Net Interest Margin-0.1%0.25%0.82%0%-0.02%-0%-0.01%0%-0.1%0%
Efficiency Ratio53.25%47.75%49.49%52.91%55.52%49.72%43.43%39.82%33.75%99.34%
Equity / Assets39.29%34.79%39.78%37.69%24.54%22.66%16.32%17.84%16.08%14.87%
Book Value / Share13.4614.3716.717.4518.8119.3914.5116.3716.3216.16
NII Growth-45.4%407.98%245.14%-100%-80.29%-70%100%-100%

GDOT SEC Filings & Documents

Green Dot Corporation (GDOT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 7, 2026·SEC

Material company update

Mar 16, 2026·SEC

Material company update

Jan 7, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 4, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

FY 2025

May 12, 2025·SEC

GDOT Frequently Asked Questions

Green Dot Corporation (GDOT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Green Dot Corporation (GDOT) grew revenue by 20.7% over the past year. This is strong growth.

Green Dot Corporation (GDOT) reported a net loss of $98.9M for fiscal year 2025.

Dividend & Returns

Green Dot Corporation (GDOT) has a return on equity (ROE) of -11.2%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Green Dot Corporation (GDOT) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Green Dot Corporation (GDOT) has an efficiency ratio of 99.3%. This is higher than peers, suggesting room for cost optimization.

Explore More GDOT

Green Dot Corporation (GDOT) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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