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GDOTGreen Dot Corporation
$12.75$723M
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GDOT logoGreen Dot Corporation(GDOT)Earnings, Financials & Key Ratios

GDOT•NYSE•Banking & Credit
Price updated Jun 19, 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-$6M-11.7%
  • Total Revenue$2.08B+20.7%
  • Net Income-$99M-270.3%
  • Return on Equity-11.21%-263.8%
  • Net Interest Margin-0.1%-1.4%
  • Efficiency Ratio21.87%-35.2%
  • ROA-1.73%-232.4%
  • Equity / Assets14.87%-7.5%
  • Book Value per Share16.16-1.0%

GDOT Key Insights

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

✓Strengths

  • ✓Company is almost debt free
  • ✓Efficient operations: 21.9% efficiency ratio
  • ✓Well capitalized: 14.9% equity/assets
  • ✓Diversified revenue: 100.0% from non-interest income
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗Weak NIM of -0.1%

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

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GDOT Price & Volume

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

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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-1148.21%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-951.79%

Return on Capital

10 Years7.57%
5 Years4.9%
3 Years2.78%
Last Year5.85%

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 10/12 qtrs (83%)
Q2 2026Latest
May 11, 2026
Metric
Actual
Est
EPS
$1.12+27.3%
$0.88
Rev
$652M+9.1%
$597M
Q2 2026
Mar 16, 2026
Metric
Actual
Est
EPS
$0.08+20.0%
$0.10
Rev
$520M+2.3%
$508M
Q2 2026
Mar 12, 2026
Metric
Actual
Est
EPS
$0.11-10.0%
$0.10
Rev
$509M+0.2%
$508M
Q4 2025
Nov 10, 2025
Metric
Actual
Est
EPS
$0.06+154.5%
$0.11
Rev
$495M-2.6%
$508M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 11, 2026
$1.12vs $0.88+27.3%
$652Mvs $597M+9.1%
Q2 2026Mar 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%
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
OMF logoOMFOneMain Holdings, Inc.Direct Competitor6.82B58.188.879.09%16.12%23.62%6.67
RPAY logoRPAYRepay Holdings CorporationDirect Competitor298.61M3.39-1.13-1.21%-82.73%-46.64%0.91
SOFI logoSOFISoFi Technologies, Inc.Product Competitor22.84B17.9145.9228.78%10.09%5.87%0.17
DAVE logoDAVEDave Inc.Product Competitor4.23B314.4423.2447.49%40.81%84.53%0.21
AFRM logoAFRMAffirm Holdings, Inc.Product Competitor24.62B73.92492.8038.8%11.95%11.17%2.56
MOGO logoMOGOMogo Inc.Product Competitor21.56M0.89-2.249.18%10.86%9.73%1.05
NRDS logoNRDSNerdWallet, Inc.Product Competitor610.08M8.3813.0921.67%8.11%18.34%
V logoVVisa Inc.Supply Chain627.79B327.2432.0811.34%51.68%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
5.41M18.66M0-761K-150K-255K0-5.51M-6.15M-3.21M
NII Growth %
407.98%245.14%-100%-80.29%-70%100%--11.73%158.07%
Net Interest Margin %
0.25%0.82%0%-0.02%-0%-0.01%0%-0.1%-0.1%-0.05%
Interest Income
11.24M23.7M00000000
Interest Expense
5.84M5.05M0761K150K255K05.51M6.15M3.21M
Loan Loss Provision
355.67M402.79M399.09M526.87M653.97M725.4M880.78M1.14B1.56B1.59B
Non-Interest Income
889.88M1.04B1.11B1.25B1.43B1.45B1.5B1.72B2.08B2.18B
Non-Interest Income %
98.75%97.78%100%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%
2.18B▲ 0%
Revenue Growth %
24.1%18.25%4.04%13.09%14.31%1.14%3.57%14.82%20.69%76.88%
Non-Interest Expense
430.32M527.33M586.59M696.06M712.6M629.54M597.88M581.75M454.94M557.74M
Efficiency Ratio
47.75%49.49%52.91%55.52%49.72%43.43%39.82%33.75%21.87%25.61%
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%
55.21M▲ 3410.0%
24.42M▲ 0%
Operating Margin %
12.13%12.24%11.09%2.4%4.64%6.51%1.51%-0.1%2.65%1.12%
Operating Income Growth %
72.62%19.32%-5.75%-75.53%121.04%41.97%-75.98%-107.36%3409.95%-
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%
-63.29M▲ 0%
Pretax Margin %
11.48%11.62%10.92%2.24%4.44%5.79%0.97%-1.31%-4.68%-2.91%
Income Tax
17.57M5.11M21.18M4.96M16.22M19.71M7.91M4.16M1.59M7.6M
Effective Tax Rate %
16.98%4.13%17.5%17.67%25.46%23.49%54.06%-18.47%-1.64%-12.01%
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%
-70.89M▲ 0%
Net Margin %
9.53%11.14%9.01%1.84%3.31%4.43%0.45%-1.55%-4.75%-3.25%
Net Income Growth %
106.46%38.21%-15.84%-76.85%105.27%35.24%-89.53%-497.23%-270.26%-1148.21%
Net Income (Continuing)
85.89M118.7M99.9M23.13M47.48M64.21M6.72M-26.7M-98.87M-70.89M
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%
-1.22▲ 0%
EPS Growth %
101.25%35.4%-13.76%-77.66%102.38%40%-89.08%-484.62%-258%-951.79%
EPS (Basic)
1.702.271.910.430.871.200.13-0.50-1.79-
Diluted Shares Outstanding
53.2M54.48M53.14M53.69M55.22M53.87M52.51M53.53M55.1M58.02M

GDOT Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
931.13M1.11B1.07B1.49B1.32B813.95M716.12M1.62B1.42B7.02B
Cash & Due from Banks
919.24M1.09B1.06B1.49B1.32B813.95M682.26M1.59B1.42B1.65B
Short Term Investments
11.89M19.96M10.02M00033.86M24.15M00
Total Investments
153.51M201.18M277.44M970.97M2.12B2.36B2.24B2.03B2.47B2.97B
Investments Growth %
-26.35%31.06%37.9%249.98%117.88%11.73%-5.36%-9.13%21.4%50.07%
Long-Term Investments
141.62M181.22M267.42M970.97M2.12B2.36B2.2B2.01B2.47B9.47B
Accounts Receivables
7.61M10.41M17.47M26.54M35.84M27.5M33.96M39.51M110.56M196.34M
Goodwill & Intangibles
582.38M551.12M520.99M491.78M466.94M445.08M420.48M397.94M374.4M369M
Goodwill
301.79M301.79M301.79M301.79M301.79M301.79M301.79M301.79M301.79M369M
Intangible Assets
280.59M249.33M219.2M189.99M165.15M143.29M118.69M96.15M72.61M0
PP&E (Net)
97.28M120.27M171.85M146.53M146.31M168.54M184.72M199.19M199.41M199.98M
Other Assets
48.54M50.69M49.3M79.82M172.53M228.87M253.74M275.91M211.06M202.52M
Total Current Assets
1.32B1.38B1.44B2.41B1.81B1.47B1.64B2.43B2.64B2.83B
Total Non-Current Assets
876.33M911.16M1.02B1.7B2.92B3.32B3.18B3.01B3.34B3.82B
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%
6.65B▲ 0%
Asset Growth %
26.27%4.08%7.58%67.25%14.83%1.35%0.58%12.81%10.14%36.56%
Return on Assets (ROA)
4.36%5.29%4.21%0.7%1.07%1.35%0.14%-0.52%-1.73%-1.18%
Accounts Payable
34.86M38.63M37.88M34.82M51.35M113.89M119.87M103.77M114.71M101.43M
Total Debt
79.61M58.7M68.59M24.81M15.13M43.41M67.06M59.58M65.47M65.52M
Net Debt
-839.63M-1.04B-994.84M-1.47B-1.31B-770.53M-615.21M-1.53B-1.36B-1.58B
Long-Term Debt
58.7M035M0035M048.53M63.54M65.15M
Short-Term Debt
20.91M58.7M380K235K0061M0325K375K
Other Liabilities
30.52M30.93M10.88M4.28M3.53M5.78M1.9M1.04M282K203K
Total Current Liabilities
1.34B1.34B1.45B3.08B3.64B3.96B3.95B4.5B5.03B5.64B
Total Non-Current Liabilities
97M39.97M88.1M27.86M11.74M46.02M4.58M58.21M65.42M65.35M
Total Liabilities
1.43B1.38B1.53B3.11B3.65B4.01B3.96B4.56B5.09B5.71B
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%
940.5M▲ 0%
Equity Growth %
11.82%19%1.93%8.89%6.02%-27.01%9.96%1.66%1.91%4.97%
Equity / Assets (Capital Ratio)
34.79%39.78%37.69%24.54%22.66%16.32%17.84%16.08%14.87%14.14%
Return on Equity (ROE)
11.86%14.18%10.88%2.39%4.56%6.93%0.82%-3.08%-11.21%-7.74%
Book Value per Share
14.3716.7017.4518.8119.3914.5116.3716.3216.1616.21
Tangible BV per Share
3.426.587.659.6510.936.248.368.899.369.85
Common Stock
51K53K52K54K55K52K53K55K56K57K
Additional Paid-in Capital
354.79M380.75M296.22M354.46M401.06M340.57M375.98M408.01M427.48M0
Retained Earnings
410.44M529.14M629.04M651.89M699.37M763.58M770.3M743.6M644.74M698.49M
Accumulated OCI
-730K-137K2.04M3.43M-29.81M-322.73M-286.99M-278.08M-182.02M-185.96M
Treasury Stock
0000000000
Preferred Stock
0000000000

GDOT Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
218.31M251.05M189.91M209.18M167.03M277.69M97.52M81.38M138.56M124.9M
Operating CF Growth %
90.64%15%-24.35%10.14%-20.15%66.25%-64.88%-16.55%70.25%178.26%
Net Income
85.89M118.7M99.9M23.13M47.48M64.21M6.72M-26.7M-98.87M-70.89M
Depreciation & Amortization
64.58M71.34M82.11M86.12M84.8M80.61M82.97M84.7M85.52M88.42M
Deferred Taxes
2.78M-234K6.88M-15M2.72M-6.67M-11.87M-10.36M368K368K
Other Non-Cash Items
71.9M19.3M8.97M32.65M45.93M59.94M54.02M65.99M153.88M141.38M
Working Capital Changes
-47.57M-8.15M-37.52M28.59M-65.31M44.79M-68.07M-62.18M-21.05M-50.07M
Cash from Investing
-223.93M-114.97M-153.85M-785.83M-1.37B-820.19M33.16M81.4M-450.53M-953.67M
Purchase of Investments
-58.66M-186.88M-189.07M-994.43M-1.45B-963.48M0-11.85M-1.28B-1.75B
Sale/Maturity of Investments
111.65M138.83M115.89M306.62M203.78M297.24M176.85M232.96M973.54M911.8M
Net Investment Activity
52.98M-48.05M-73.18M-687.81M-1.25B-666.25M176.85M221.12M-307.38M-838.14M
Acquisitions
-141.5M00-35M-35M-35M-35M-35M00
Other Investing
-91.27M-5.89M-2.46M-3.99M-29.24M-34.62M-32.75M-30.43M-143.16M-37.81M
Cash from Financing
192.19M-50.96M-65.13M1.01B1.03B36.71M-264.02M743.15M141.28M702.3M
Dividends Paid
0000000000
Share Repurchases
-51.97M0-100M00-95.53M-3.9M000
Stock Issued
000000003.68M4.5M
Net Stock Activity
-51.97M0-100M00-95.53M-3.9M03.68M4.5M
Debt Issuance (Net)
-1000K-1000K-1000K-1000K01000K1000K-1000K1000K377K
Other Financing
284.73M-28.46M59.88M1.04B1.03B97.23M-286.12M754.65M123.36M198.43M
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%
-126.47M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
732.68M1.01B1.1B1.07B1.5B1.33B819.85M686.5M1.59B1.42B
Cash at End
919.24M1.1B1.07B1.5B1.33B819.85M686.5M1.59B1.42B1.65B
Interest Paid
4.52M4.89M2.45M926K1.43M627K5.92M12.97M00
Income Taxes Paid
9.6M6.23M1.92M10.62M27.2M12.97M24.35M13.59M0581K
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%
66.02M▲ 830.3%
47.17M▲ 0%
FCF Growth %
144.47%9.1%-41.22%34.42%-27%76.42%-88.84%-67.11%830.34%117.2%

GDOT Banking Ratios

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

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
11.86%14.18%10.88%2.39%4.56%6.93%0.82%-3.08%-11.21%-7.74%
Return on Assets (ROA)
4.36%5.29%4.21%0.7%1.07%1.35%0.14%-0.52%-1.73%-1.18%
Net Interest Margin
0.25%0.82%0%-0.02%-0%-0.01%0%-0.1%-0.1%-0.05%
Efficiency Ratio
47.75%49.49%52.91%55.52%49.72%43.43%39.82%33.75%21.87%25.61%
Equity / Assets
34.79%39.78%37.69%24.54%22.66%16.32%17.84%16.08%14.87%14.14%
Book Value / Share
14.3716.717.4518.8119.3914.5116.3716.3216.1616.21
NII Growth
407.98%245.14%-100%-80.29%-70%100%--11.73%40.99%
Dividend Payout
---------0%
Related:GDOT Dividend History·GDOT Revenue History·GDOT Price History·GDOT P/E History·GDOT Financial Ratios·GDOT Institutional Holders

GDOT SEC Filings & Documents

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

8-K Announcements

6
Material company update

May 11, 2026·SEC

Material company update

Apr 7, 2026·SEC

Material company update

Mar 16, 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 2026

May 11, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 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 $70.9M 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 -0.1%. NIM has been under pressure due to interest rate environment.

Green Dot Corporation (GDOT) has an efficiency ratio of 21.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in GDOT back in 2008?

Total return calculator · dividends reinvested · 18+ years of data

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How much would $100/month in GDOT be worth today?

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