Green Dot Corporation (GDOT) 10-Year Financial Performance & Capital Metrics

GDOT • • Banking & Credit

Financial ServicesCredit ServicesPayment 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 -$6M
Total Revenue $1.72B +14.8%
Net Income -$27M -497.2%
Return on Equity -3.08% -476.1%
Net Interest Margin -0.1%
Efficiency Ratio 33.75% -15.3%
ROA -0.52% -472.3%
Equity / Assets 16.08% -9.9%
Book Value per Share 16.32 -0.3%
Tangible BV/Share 8.89 +6.3%
Debt/Equity 0.07 -12.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Efficient operations: 33.7% efficiency ratio
✓Well capitalized: 16.1% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 0.7x book value

✗Weaknesses

✗Weak 3Y average ROE of 1.6%
✗Weak NIM of -0.1%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y11.03%

5Y9.23%

3Y6.35%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM15.28%

EPS CAGR

10Y-

5Y-

3Y-

TTM19.54%

ROCE

10Y Avg7.73%

5Y Avg4.32%

3Y Avg4.13%

Latest-0.19%

Peer Comparison

Payment Networks and Merchant Acquiring

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
VVisa Inc.	2.88B	320.14	31.39	11.34%	50.14%	53.62%	100%	0.66
MAMastercard Incorporated	457.84B	517.21	31.31	16.42%	45.65%	193.01%	3.75%	2.45
AXPAmerican Express Company	212.83B	308.90	22.03	10.15%	13.65%	32.52%	5.7%	1.69
PYPLPayPal Holdings, Inc.	42.51B	46.21	8.54	4.85%	15.7%	25.83%	13.09%	0.49
PMTSCPI Card Group Inc.	139.67M	12.27	7.48	8.11%	4.06%		24.38%
WUThe Western Union Company	3.04B	9.63	6.29	-4%	12.36%	52.16%	12.92%
CURRCurrenc Group, Inc.	160.12M	2.09	-2.03	-12.81%	-85.01%	-138.16%	1.79%
GDOTGreen Dot Corporation	640.67M	11.56	-23.12	14.82%	-1.55%	-5.14%	1.11%	0.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-1.21M	-1.75M	5.41M	18.66M	0	-761K	-150K	-255K	0	-5.51M
NII Growth %	-143.29%	-45.4%	407.98%	245.14%	-100%	-	80.29%	-70%	100%	-
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	4.74M	7.37M	11.24M	23.7M	0	0	0	0	0	0
Interest Expense	5.94M	9.12M	5.84M	5.05M	0	761K	150K	255K	0	5.51M
Loan Loss Provision	270.37M	267.01M	355.67M	402.79M	399.09M	526.87M	653.97M	725.4M	880.78M	1.14B
Non-Interest Income+	694.7M	718.77M	889.88M	1.04B	1.11B	1.25B	1.43B	1.45B	1.5B	1.72B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	699.44M	726.14M	901.12M	1.07B	1.11B	1.25B	1.43B	1.45B	1.5B	1.72B
Revenue Growth %	15.49%	3.82%	24.1%	18.25%	4.04%	13.09%	14.31%	1.14%	3.57%	14.82%
Non-Interest Expense	363.79M	386.69M	430.32M	527.33M	586.59M	696.06M	712.6M	629.54M	597.88M	581.75M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	59.33M	63.32M	109.3M	130.41M	122.92M	30.07M	66.47M	94.38M	22.67M	-1.67M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.58%	6.72%	72.62%	19.32%	-5.75%	-75.53%	121.04%	41.97%	-75.98%	-107.36%
Pretax Income+	58.12M	61.56M	103.46M	123.82M	121.08M	28.09M	63.7M	83.92M	14.63M	-22.54M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	19.71M	19.96M	17.57M	5.11M	21.18M	4.96M	16.22M	19.71M	7.91M	4.16M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	38.41M	41.6M	85.89M	118.7M	99.9M	23.13M	47.48M	64.21M	6.72M	-26.7M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-10.02%	8.29%	106.46%	38.21%	-15.84%	-76.85%	105.27%	35.24%	-89.53%	-497.23%
Net Income (Continuing)	38.41M	41.6M	85.89M	118.7M	99.9M	23.13M	47.48M	64.21M	6.72M	-26.7M
EPS (Diluted)+	0.72	0.80	1.61	2.18	1.88	0.42	0.85	1.19	0.13	-0.50
EPS Growth %	-20%	11.11%	101.25%	35.4%	-13.76%	-77.66%	102.38%	40%	-89.08%	-484.62%
EPS (Basic)	0.73	0.82	1.70	2.27	1.91	0.43	0.87	1.20	0.13	-0.50
Diluted Shares Outstanding	51.88M	50.8M	53.2M	54.48M	53.14M	53.69M	55.22M	53.87M	52.51M	53.53M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	821.24M	779.36M	931.13M	1.11B	1.07B	1.49B	1.32B	813.95M	716.12M	1.62B
Cash & Due from Banks	772.13M	732.68M	919.24M	1.09B	1.06B	1.49B	1.32B	813.95M	682.26M	1.59B
Short Term Investments	49.11M	46.69M	11.89M	19.96M	10.02M	0	0	0	33.86M	24.15M
Total Investments+	181.54M	208.43M	153.51M	201.18M	277.44M	970.97M	2.12B	2.36B	2.24B	2.03B
Investments Growth %	50.74%	14.81%	-26.35%	31.06%	37.9%	249.98%	117.88%	11.73%	-5.36%	-9.13%
Long-Term Investments	132.43M	161.74M	141.62M	181.22M	267.42M	970.97M	2.12B	2.36B	2.2B	2.01B
Accounts Receivables	12.79M	4.41M	7.61M	10.41M	17.47M	26.54M	35.84M	27.5M	33.96M	39.51M
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	208.08M	208.35M	301.79M	301.79M	301.79M	301.79M	301.79M	301.79M	301.79M	301.79M
Intangible Assets	265.7M	242.7M	280.59M	249.33M	219.2M	189.99M	165.15M	143.29M	118.69M	96.15M
PP&E (Net)	78.88M	82.62M	97.28M	120.27M	171.85M	146.53M	146.31M	168.54M	184.72M	199.19M
Other Assets	27.2M	26.85M	48.54M	50.69M	49.3M	79.82M	172.53M	228.87M	253.74M	275.91M
Total Current Assets	975.29M	1.01B	1.32B	1.38B	1.44B	2.41B	1.81B	1.47B	1.64B	2.43B
Total Non-Current Assets	716.16M	726.91M	876.33M	911.16M	1.02B	1.7B	2.92B	3.32B	3.18B	3.01B
Total Assets+	1.69B	1.74B	2.2B	2.29B	2.46B	4.12B	4.73B	4.79B	4.82B	5.43B
Asset Growth %	4.78%	2.89%	26.27%	4.08%	7.58%	67.25%	14.83%	1.35%	0.58%	12.81%
Return on Assets (ROA)	2.32%	2.42%	4.36%	5.29%	4.21%	0.7%	1.07%	1.35%	0.14%	-0.52%
Accounts Payable	37.19M	22.86M	34.86M	38.63M	37.88M	34.82M	51.35M	113.89M	119.87M	103.77M
Total Debt+	121.65M	100.69M	79.61M	58.7M	68.59M	24.81M	15.13M	43.41M	67.06M	59.58M
Net Debt	-650.48M	-631.99M	-839.63M	-1.04B	-994.84M	-1.47B	-1.31B	-770.53M	-615.21M	-1.53B
Long-Term Debt	100.69M	79.72M	58.7M	0	35M	0	0	35M	0	48.53M
Short-Term Debt	20.97M	20.97M	20.91M	58.7M	380K	235K	0	0	61M	0
Other Liabilities	37.89M	12.33M	30.52M	30.93M	10.88M	4.28M	3.53M	5.78M	1.9M	1.04M
Total Current Liabilities	888.27M	960.8M	1.34B	1.34B	1.45B	3.08B	3.64B	3.96B	3.95B	4.5B
Total Non-Current Liabilities	139.85M	95.81M	97M	39.97M	88.1M	27.86M	11.74M	46.02M	4.58M	58.21M
Total Liabilities	1.03B	1.06B	1.43B	1.38B	1.53B	3.11B	3.65B	4.01B	3.96B	4.56B
Total Equity+	663.32M	683.73M	764.55M	909.81M	927.36M	1.01B	1.07B	781.48M	859.35M	873.59M
Equity Growth %	5.46%	3.08%	11.82%	19%	1.93%	8.89%	6.02%	-27.01%	9.96%	1.66%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	5.95%	6.18%	11.86%	14.18%	10.88%	2.39%	4.56%	6.93%	0.82%	-3.08%
Book Value per Share	12.79	13.46	14.37	16.70	17.45	18.81	19.39	14.51	16.37	16.32
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	51K	51K	51K	53K	52K	54K	55K	52K	53K	55K
Additional Paid-in Capital	379.38M	358.15M	354.79M	380.75M	296.22M	354.46M	401.06M	340.57M	375.98M	408.01M
Retained Earnings	284.11M	325.71M	410.44M	529.14M	629.04M	651.89M	699.37M	763.58M	770.3M	743.6M
Accumulated OCI	-215K	-181K	-730K	-137K	2.04M	3.43M	-29.81M	-322.73M	-286.99M	-278.08M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	2K	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	156.72M	114.52M	218.31M	251.05M	189.91M	209.18M	167.03M	277.69M	97.52M	81.38M
Operating CF Growth %	126.42%	-26.93%	90.64%	15%	-24.35%	10.14%	-20.15%	66.25%	-64.88%	-16.55%
Net Income	38.41M	41.6M	85.89M	118.7M	99.9M	23.13M	47.48M	64.21M	6.72M	-26.7M
Depreciation & Amortization	61.71M	62.48M	64.58M	71.34M	82.11M	86.12M	84.8M	80.61M	82.97M	84.7M
Deferred Taxes	-406K	1.27M	2.78M	-234K	6.88M	-15M	2.72M	-6.67M	-11.87M	-10.36M
Other Non-Cash Items	63.68M	75.37M	71.9M	19.3M	8.97M	32.65M	45.93M	59.94M	54.02M	65.99M
Working Capital Changes	-36.21M	-94.53M	-47.57M	-8.15M	-37.52M	28.59M	-65.31M	44.79M	-68.07M	-62.18M
Cash from Investing+	-175.72M	-72M	-223.93M	-114.97M	-153.85M	-785.83M	-1.37B	-820.19M	33.16M	81.4M
Purchase of Investments	-195.13M	-135.92M	-58.66M	-186.88M	-189.07M	-994.43M	-1.45B	-963.48M	0	-11.85M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-65.21M	0	-141.5M	0	0	-35M	-35M	-35M	-35M	-35M
Other Investing	72K	220K	-91.27M	-5.89M	-2.46M	-3.99M	-29.24M	-34.62M	-32.75M	-30.43M
Cash from Financing+	66.49M	-75.68M	192.19M	-50.96M	-65.13M	1.01B	1.03B	36.71M	-264.02M	743.15M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-40.99M	-59.01M	-51.97M	0	-100M	0	0	-95.53M	-3.9M	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	0	1000K	1000K	-1000K
Other Financing	126.14M	5.84M	284.73M	-28.46M	59.88M	1.04B	1.03B	97.23M	-286.12M	754.65M
Net Change in Cash+	47.49M	-33.16M	186.57M	85.12M	-29.06M	430.55M	-171.06M	-505.8M	-133.34M	905.93M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	724.64M	777.92M	732.68M	1.01B	1.1B	1.07B	1.5B	1.33B	819.85M	686.5M
Cash at End	772.13M	744.76M	919.24M	1.1B	1.07B	1.5B	1.33B	819.85M	686.5M	1.59B
Interest Paid	4.41M	7.59M	4.52M	4.89M	2.45M	926K	1.43M	627K	5.92M	12.97M
Income Taxes Paid	9.89M	22.32M	9.6M	6.23M	1.92M	10.62M	27.2M	12.97M	24.35M	13.59M
Free Cash Flow+	108.88M	71.24M	174.17M	190.02M	111.7M	150.14M	109.6M	193.36M	21.58M	7.1M
FCF Growth %	264.41%	-34.57%	144.47%	9.1%	-41.22%	34.42%	-27%	76.42%	-88.84%	-67.11%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.95%	6.18%	11.86%	14.18%	10.88%	2.39%	4.56%	6.93%	0.82%	-3.08%
Return on Assets (ROA)	2.32%	2.42%	4.36%	5.29%	4.21%	0.7%	1.07%	1.35%	0.14%	-0.52%
Net Interest Margin	-0.07%	-0.1%	0.25%	0.82%	0%	-0.02%	-0%	-0.01%	0%	-0.1%
Efficiency Ratio	52.01%	53.25%	47.75%	49.49%	52.91%	55.52%	49.72%	43.43%	39.82%	33.75%
Equity / Assets	39.22%	39.29%	34.79%	39.78%	37.69%	24.54%	22.66%	16.32%	17.84%	16.08%
Book Value / Share	12.79	13.46	14.37	16.7	17.45	18.81	19.39	14.51	16.37	16.32
NII Growth	-143.29%	-45.4%	407.98%	245.14%	-100%	-	80.29%	-70%	100%	-

US Stock Screener

...

Green Dot Corporation (GDOT) 10-Year Financial Performance & Capital Metrics

GDOT • • Banking & Credit

Financial ServicesCredit ServicesPayment Networks and Merchant Acquiring

Net Interest Income -$6M
Total Revenue $1.72B +14.8%
Net Income -$27M -497.2%
Return on Equity -3.08% -476.1%
Net Interest Margin -0.1%
Efficiency Ratio 33.75% -15.3%
ROA -0.52% -472.3%
Equity / Assets 16.08% -9.9%
Book Value per Share 16.32 -0.3%
Tangible BV/Share 8.89 +6.3%
Debt/Equity 0.07 -12.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Efficient operations: 33.7% efficiency ratio
✓Well capitalized: 16.1% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 0.7x book value

✗Weaknesses

✗Weak 3Y average ROE of 1.6%
✗Weak NIM of -0.1%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y11.03%

5Y9.23%

3Y6.35%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM15.28%

EPS CAGR

10Y-

5Y-

3Y-

TTM19.54%

ROCE

10Y Avg7.73%

5Y Avg4.32%

3Y Avg4.13%

Latest-0.19%

Peer Comparison

Payment Networks and Merchant Acquiring

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
VVisa Inc.	2.88B	320.14	31.39	11.34%	50.14%	53.62%	100%	0.66
MAMastercard Incorporated	457.84B	517.21	31.31	16.42%	45.65%	193.01%	3.75%	2.45
AXPAmerican Express Company	212.83B	308.90	22.03	10.15%	13.65%	32.52%	5.7%	1.69
PYPLPayPal Holdings, Inc.	42.51B	46.21	8.54	4.85%	15.7%	25.83%	13.09%	0.49
PMTSCPI Card Group Inc.	139.67M	12.27	7.48	8.11%	4.06%		24.38%
WUThe Western Union Company	3.04B	9.63	6.29	-4%	12.36%	52.16%	12.92%
CURRCurrenc Group, Inc.	160.12M	2.09	-2.03	-12.81%	-85.01%	-138.16%	1.79%
GDOTGreen Dot Corporation	640.67M	11.56	-23.12	14.82%	-1.55%	-5.14%	1.11%	0.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-1.21M	-1.75M	5.41M	18.66M	0	-761K	-150K	-255K	0	-5.51M
NII Growth %	-143.29%	-45.4%	407.98%	245.14%	-100%	-	80.29%	-70%	100%	-
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	4.74M	7.37M	11.24M	23.7M	0	0	0	0	0	0
Interest Expense	5.94M	9.12M	5.84M	5.05M	0	761K	150K	255K	0	5.51M
Loan Loss Provision	270.37M	267.01M	355.67M	402.79M	399.09M	526.87M	653.97M	725.4M	880.78M	1.14B
Non-Interest Income+	694.7M	718.77M	889.88M	1.04B	1.11B	1.25B	1.43B	1.45B	1.5B	1.72B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	699.44M	726.14M	901.12M	1.07B	1.11B	1.25B	1.43B	1.45B	1.5B	1.72B
Revenue Growth %	15.49%	3.82%	24.1%	18.25%	4.04%	13.09%	14.31%	1.14%	3.57%	14.82%
Non-Interest Expense	363.79M	386.69M	430.32M	527.33M	586.59M	696.06M	712.6M	629.54M	597.88M	581.75M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	59.33M	63.32M	109.3M	130.41M	122.92M	30.07M	66.47M	94.38M	22.67M	-1.67M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.58%	6.72%	72.62%	19.32%	-5.75%	-75.53%	121.04%	41.97%	-75.98%	-107.36%
Pretax Income+	58.12M	61.56M	103.46M	123.82M	121.08M	28.09M	63.7M	83.92M	14.63M	-22.54M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	19.71M	19.96M	17.57M	5.11M	21.18M	4.96M	16.22M	19.71M	7.91M	4.16M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	38.41M	41.6M	85.89M	118.7M	99.9M	23.13M	47.48M	64.21M	6.72M	-26.7M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-10.02%	8.29%	106.46%	38.21%	-15.84%	-76.85%	105.27%	35.24%	-89.53%	-497.23%
Net Income (Continuing)	38.41M	41.6M	85.89M	118.7M	99.9M	23.13M	47.48M	64.21M	6.72M	-26.7M
EPS (Diluted)+	0.72	0.80	1.61	2.18	1.88	0.42	0.85	1.19	0.13	-0.50
EPS Growth %	-20%	11.11%	101.25%	35.4%	-13.76%	-77.66%	102.38%	40%	-89.08%	-484.62%
EPS (Basic)	0.73	0.82	1.70	2.27	1.91	0.43	0.87	1.20	0.13	-0.50
Diluted Shares Outstanding	51.88M	50.8M	53.2M	54.48M	53.14M	53.69M	55.22M	53.87M	52.51M	53.53M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	821.24M	779.36M	931.13M	1.11B	1.07B	1.49B	1.32B	813.95M	716.12M	1.62B
Cash & Due from Banks	772.13M	732.68M	919.24M	1.09B	1.06B	1.49B	1.32B	813.95M	682.26M	1.59B
Short Term Investments	49.11M	46.69M	11.89M	19.96M	10.02M	0	0	0	33.86M	24.15M
Total Investments+	181.54M	208.43M	153.51M	201.18M	277.44M	970.97M	2.12B	2.36B	2.24B	2.03B
Investments Growth %	50.74%	14.81%	-26.35%	31.06%	37.9%	249.98%	117.88%	11.73%	-5.36%	-9.13%
Long-Term Investments	132.43M	161.74M	141.62M	181.22M	267.42M	970.97M	2.12B	2.36B	2.2B	2.01B
Accounts Receivables	12.79M	4.41M	7.61M	10.41M	17.47M	26.54M	35.84M	27.5M	33.96M	39.51M
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	208.08M	208.35M	301.79M	301.79M	301.79M	301.79M	301.79M	301.79M	301.79M	301.79M
Intangible Assets	265.7M	242.7M	280.59M	249.33M	219.2M	189.99M	165.15M	143.29M	118.69M	96.15M
PP&E (Net)	78.88M	82.62M	97.28M	120.27M	171.85M	146.53M	146.31M	168.54M	184.72M	199.19M
Other Assets	27.2M	26.85M	48.54M	50.69M	49.3M	79.82M	172.53M	228.87M	253.74M	275.91M
Total Current Assets	975.29M	1.01B	1.32B	1.38B	1.44B	2.41B	1.81B	1.47B	1.64B	2.43B
Total Non-Current Assets	716.16M	726.91M	876.33M	911.16M	1.02B	1.7B	2.92B	3.32B	3.18B	3.01B
Total Assets+	1.69B	1.74B	2.2B	2.29B	2.46B	4.12B	4.73B	4.79B	4.82B	5.43B
Asset Growth %	4.78%	2.89%	26.27%	4.08%	7.58%	67.25%	14.83%	1.35%	0.58%	12.81%
Return on Assets (ROA)	2.32%	2.42%	4.36%	5.29%	4.21%	0.7%	1.07%	1.35%	0.14%	-0.52%
Accounts Payable	37.19M	22.86M	34.86M	38.63M	37.88M	34.82M	51.35M	113.89M	119.87M	103.77M
Total Debt+	121.65M	100.69M	79.61M	58.7M	68.59M	24.81M	15.13M	43.41M	67.06M	59.58M
Net Debt	-650.48M	-631.99M	-839.63M	-1.04B	-994.84M	-1.47B	-1.31B	-770.53M	-615.21M	-1.53B
Long-Term Debt	100.69M	79.72M	58.7M	0	35M	0	0	35M	0	48.53M
Short-Term Debt	20.97M	20.97M	20.91M	58.7M	380K	235K	0	0	61M	0
Other Liabilities	37.89M	12.33M	30.52M	30.93M	10.88M	4.28M	3.53M	5.78M	1.9M	1.04M
Total Current Liabilities	888.27M	960.8M	1.34B	1.34B	1.45B	3.08B	3.64B	3.96B	3.95B	4.5B
Total Non-Current Liabilities	139.85M	95.81M	97M	39.97M	88.1M	27.86M	11.74M	46.02M	4.58M	58.21M
Total Liabilities	1.03B	1.06B	1.43B	1.38B	1.53B	3.11B	3.65B	4.01B	3.96B	4.56B
Total Equity+	663.32M	683.73M	764.55M	909.81M	927.36M	1.01B	1.07B	781.48M	859.35M	873.59M
Equity Growth %	5.46%	3.08%	11.82%	19%	1.93%	8.89%	6.02%	-27.01%	9.96%	1.66%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	5.95%	6.18%	11.86%	14.18%	10.88%	2.39%	4.56%	6.93%	0.82%	-3.08%
Book Value per Share	12.79	13.46	14.37	16.70	17.45	18.81	19.39	14.51	16.37	16.32
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	51K	51K	51K	53K	52K	54K	55K	52K	53K	55K
Additional Paid-in Capital	379.38M	358.15M	354.79M	380.75M	296.22M	354.46M	401.06M	340.57M	375.98M	408.01M
Retained Earnings	284.11M	325.71M	410.44M	529.14M	629.04M	651.89M	699.37M	763.58M	770.3M	743.6M
Accumulated OCI	-215K	-181K	-730K	-137K	2.04M	3.43M	-29.81M	-322.73M	-286.99M	-278.08M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	2K	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	156.72M	114.52M	218.31M	251.05M	189.91M	209.18M	167.03M	277.69M	97.52M	81.38M
Operating CF Growth %	126.42%	-26.93%	90.64%	15%	-24.35%	10.14%	-20.15%	66.25%	-64.88%	-16.55%
Net Income	38.41M	41.6M	85.89M	118.7M	99.9M	23.13M	47.48M	64.21M	6.72M	-26.7M
Depreciation & Amortization	61.71M	62.48M	64.58M	71.34M	82.11M	86.12M	84.8M	80.61M	82.97M	84.7M
Deferred Taxes	-406K	1.27M	2.78M	-234K	6.88M	-15M	2.72M	-6.67M	-11.87M	-10.36M
Other Non-Cash Items	63.68M	75.37M	71.9M	19.3M	8.97M	32.65M	45.93M	59.94M	54.02M	65.99M
Working Capital Changes	-36.21M	-94.53M	-47.57M	-8.15M	-37.52M	28.59M	-65.31M	44.79M	-68.07M	-62.18M
Cash from Investing+	-175.72M	-72M	-223.93M	-114.97M	-153.85M	-785.83M	-1.37B	-820.19M	33.16M	81.4M
Purchase of Investments	-195.13M	-135.92M	-58.66M	-186.88M	-189.07M	-994.43M	-1.45B	-963.48M	0	-11.85M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-65.21M	0	-141.5M	0	0	-35M	-35M	-35M	-35M	-35M
Other Investing	72K	220K	-91.27M	-5.89M	-2.46M	-3.99M	-29.24M	-34.62M	-32.75M	-30.43M
Cash from Financing+	66.49M	-75.68M	192.19M	-50.96M	-65.13M	1.01B	1.03B	36.71M	-264.02M	743.15M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-40.99M	-59.01M	-51.97M	0	-100M	0	0	-95.53M	-3.9M	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	0	1000K	1000K	-1000K
Other Financing	126.14M	5.84M	284.73M	-28.46M	59.88M	1.04B	1.03B	97.23M	-286.12M	754.65M
Net Change in Cash+	47.49M	-33.16M	186.57M	85.12M	-29.06M	430.55M	-171.06M	-505.8M	-133.34M	905.93M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	724.64M	777.92M	732.68M	1.01B	1.1B	1.07B	1.5B	1.33B	819.85M	686.5M
Cash at End	772.13M	744.76M	919.24M	1.1B	1.07B	1.5B	1.33B	819.85M	686.5M	1.59B
Interest Paid	4.41M	7.59M	4.52M	4.89M	2.45M	926K	1.43M	627K	5.92M	12.97M
Income Taxes Paid	9.89M	22.32M	9.6M	6.23M	1.92M	10.62M	27.2M	12.97M	24.35M	13.59M
Free Cash Flow+	108.88M	71.24M	174.17M	190.02M	111.7M	150.14M	109.6M	193.36M	21.58M	7.1M
FCF Growth %	264.41%	-34.57%	144.47%	9.1%	-41.22%	34.42%	-27%	76.42%	-88.84%	-67.11%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.95%	6.18%	11.86%	14.18%	10.88%	2.39%	4.56%	6.93%	0.82%	-3.08%
Return on Assets (ROA)	2.32%	2.42%	4.36%	5.29%	4.21%	0.7%	1.07%	1.35%	0.14%	-0.52%
Net Interest Margin	-0.07%	-0.1%	0.25%	0.82%	0%	-0.02%	-0%	-0.01%	0%	-0.1%
Efficiency Ratio	52.01%	53.25%	47.75%	49.49%	52.91%	55.52%	49.72%	43.43%	39.82%	33.75%
Equity / Assets	39.22%	39.29%	34.79%	39.78%	37.69%	24.54%	22.66%	16.32%	17.84%	16.08%
Book Value / Share	12.79	13.46	14.37	16.7	17.45	18.81	19.39	14.51	16.37	16.32
NII Growth	-143.29%	-45.4%	407.98%	245.14%	-100%	-	80.29%	-70%	100%	-

Green Dot Corporation (GDOT) 10-Year Financial Performance & Capital Metrics

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Green Dot Corporation (GDOT) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare GDOT vs Peers

vs MA

vs AXP

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Profit & Loss

Balance Sheet

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Deep Dive Analysis

Valuation Overview

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Dividend History

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