Green Dot Corp Financials
This page shows Green Dot Corp (GDOT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Green Dot Corp has an operating margin of 0.7%, meaning the company retains $1 of operating profit per $100 of revenue. This below-average margin results in a low score of 24/100, suggesting thin profitability after operating expenses. This is up from -0.1% the prior year.
Green Dot Corp's revenue surged 20.7% year-over-year to $2.1B, reflecting rapid business expansion. This strong growth earns a score of 68/100.
Green Dot Corp has elevated debt relative to equity (D/E of 5.72), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Green Dot Corp's current ratio of 0.53 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 5/100, which could limit financial flexibility.
Green Dot Corp has a free cash flow margin of 3.2%, earning a moderate score of 33/100. The company generates positive cash flow after capital investments, but with room for improvement.
Green Dot Corp generates a -11.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from -3.1% the prior year.
Green Dot Corp scores 0.10, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($616.2M) relative to total liabilities ($5.1B). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Green Dot Corp passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Green Dot Corp generates $-1.40 in operating cash flow ($138.6M OCF vs -$98.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Green Dot Corp generated $2.1B in revenue in fiscal year 2025. This represents an increase of 20.7% from the prior year.
Green Dot Corp's EBITDA was $78.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 26.9% from the prior year.
Green Dot Corp reported -$98.9M in net income in fiscal year 2025. This represents a decrease of 270.3% from the prior year.
Cash & Balance Sheet
Green Dot Corp generated $66.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 830.3% from the prior year.
Green Dot Corp held $1.4B in cash against $0 in long-term debt as of fiscal year 2025.
Green Dot Corp had 56M shares outstanding in fiscal year 2025. This represents an increase of 2.5% from the prior year.
Margins & Returns
Green Dot Corp's operating margin was 0.7% in fiscal year 2025, reflecting core business profitability. This is up 0.8 percentage points from the prior year.
Green Dot Corp's net profit margin was -4.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.2 percentage points from the prior year.
Green Dot Corp's ROE was -11.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 8.1 percentage points from the prior year.
Capital Allocation
Green Dot Corp invested $72.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 2.4% from the prior year.
GDOT Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $522.6M+5.6% | $494.8M-1.9% | $504.2M-9.8% | $558.9M+22.8% | $455.0M+11.1% | $409.7M+0.6% | $407.1M-9.9% | $452.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | -$27.7M+15.8% | -$32.8M-345.0% | $13.4M-77.9% | $60.7M+322.5% | $14.4M+590.3% | -$2.9M+87.6% | -$23.7M-324.2% | $10.6M |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -$1.5M |
| Income Tax | $14.5M+394.8% | -$4.9M+69.0% | -$15.9M-301.7% | $7.9M+186.2% | $2.8M+836.4% | -$374K+50.4% | -$754K-129.7% | $2.5M |
| Net Income | -$46.8M-52.1% | -$30.8M+34.5% | -$47.0M-282.5% | $25.8M+405.1% | $5.1M+165.1% | -$7.8M+72.7% | -$28.7M-704.5% | $4.8M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
GDOT Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.0B+3.8% | $5.8B+3.3% | $5.6B-2.5% | $5.7B+5.4% | $5.4B+2.8% | $5.3B-4.2% | $5.5B+3.7% | $5.3B |
| Current Assets | $2.6B+2.8% | $2.6B-18.6% | $3.2B+14.9% | $2.7B+13.1% | $2.4B+9.4% | $2.2B-8.5% | $2.4B+9.0% | $2.2B |
| Cash & Equivalents | $1.4B-13.2% | $1.6B-29.2% | $2.3B+30.4% | $1.8B+11.3% | $1.6B+9.6% | $1.5B+10.4% | $1.3B+17.7% | $1.1B |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $197.2M+35.3% | $145.8M+41.5% | $103.1M-19.9% | $128.6M-2.5% | $132.0M+56.0% | $84.6M+11.5% | $75.9M-15.1% | $89.3M |
| Goodwill | $301.8M | N/A | N/A | N/A | $301.8M | N/A | N/A | N/A |
| Total Liabilities | $5.1B+5.0% | $4.9B+4.1% | $4.7B-2.5% | $4.8B+4.8% | $4.6B+4.8% | $4.4B-6.3% | $4.6B+4.4% | $4.5B |
| Current Liabilities | $5.0B+5.0% | $4.8B+4.3% | $4.6B-2.5% | $4.7B+4.6% | $4.5B+4.6% | $4.3B-7.3% | $4.6B+4.4% | $4.4B |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $890.2M-2.5% | $913.3M-0.8% | $920.9M-2.8% | $947.7M+8.5% | $873.6M-6.3% | $932.2M+7.2% | $870.0M-0.1% | $870.6M |
| Retained Earnings | $644.7M-6.8% | $691.6M-4.3% | $722.4M-6.1% | $769.4M+3.5% | $743.6M+0.7% | $738.5M-1.1% | $746.3M-3.7% | $775.1M |
GDOT Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$62.5M-367.8% | $23.3M-66.2% | $69.0M-36.6% | $108.7M+572.5% | -$23.0M-41.4% | -$16.3M-151.7% | $31.5M-64.7% | $89.2M |
| Capital Expenditures | $13.8M-30.0% | $19.8M+1.5% | $19.5M+0.4% | $19.4M-12.2% | $22.1M+7.0% | $20.7M+21.6% | $17.0M+17.3% | $14.5M |
| Free Cash Flow | -$76.3M-2254.5% | $3.5M-92.8% | $49.5M-44.6% | $89.3M+297.9% | -$45.1M-22.1% | -$37.0M-354.9% | $14.5M-80.6% | $74.7M |
| Investing Cash Flow | -$163.1M+79.3% | -$789.1M-239.6% | $565.1M+990.6% | -$63.5M-1337.0% | -$4.4M-105.7% | $78.0M+534.0% | $12.3M+372.0% | -$4.5M |
| Financing Cash Flow | $9.9M-89.1% | $90.6M+195.9% | -$94.4M-169.8% | $135.2M-18.7% | $166.3M+122.8% | $74.6M-51.7% | $154.4M-55.6% | $347.9M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
GDOT Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | -5.3%+1.3pp | -6.6%-9.3pp | 2.7%-8.2pp | 10.9%+7.7pp | 3.2%+3.9pp | -0.7%+5.1pp | -5.8%-8.2pp | 2.3% |
| Net Margin | -9.0%-2.7pp | -6.2%+3.1pp | -9.3%-13.9pp | 4.6%+3.5pp | 1.1%+3.0pp | -1.9%+5.1pp | -7.0%-8.1pp | 1.1% |
| Return on Equity | -5.3%-1.9pp | -3.4%+1.7pp | -5.1%-7.8pp | 2.7%+2.1pp | 0.6%+1.4pp | -0.8%+2.5pp | -3.3%-3.9pp | 0.5% |
| Return on Assets | -0.8%-0.2pp | -0.5%+0.3pp | -0.8%-1.3pp | 0.4%+0.4pp | 0.1%+0.2pp | -0.1%+0.4pp | -0.5%-0.6pp | 0.1% |
| Current Ratio | 0.53-0.0 | 0.54-0.2 | 0.69+0.1 | 0.58+0.0 | 0.54+0.0 | 0.520.0 | 0.52+0.0 | 0.50 |
| Debt-to-Equity | 5.72+0.4 | 5.31+0.3 | 5.06+0.0 | 5.04-0.2 | 5.22+0.6 | 4.67-0.7 | 5.34+0.2 | 5.11 |
| FCF Margin | -14.6%-15.3pp | 0.7%-9.1pp | 9.8%-6.2pp | 16.0%+25.9pp | -9.9%-0.9pp | -9.0%-12.6pp | 3.6%-13.0pp | 16.5% |
Note: The current ratio is below 1.0 (0.53), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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Frequently Asked Questions
What is Green Dot Corp's annual revenue?
Green Dot Corp (GDOT) reported $2.1B in total revenue for fiscal year 2025. This represents a 20.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Green Dot Corp's revenue growing?
Green Dot Corp (GDOT) revenue grew by 20.7% year-over-year, from $1.7B to $2.1B in fiscal year 2025.
Is Green Dot Corp profitable?
No, Green Dot Corp (GDOT) reported a net income of -$98.9M in fiscal year 2025, with a net profit margin of -4.8%.
What is Green Dot Corp's EBITDA?
Green Dot Corp (GDOT) had EBITDA of $78.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Green Dot Corp's operating margin?
Green Dot Corp (GDOT) had an operating margin of 0.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Green Dot Corp's net profit margin?
Green Dot Corp (GDOT) had a net profit margin of -4.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Green Dot Corp's return on equity (ROE)?
Green Dot Corp (GDOT) has a return on equity of -11.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Green Dot Corp's free cash flow?
Green Dot Corp (GDOT) generated $66.0M in free cash flow during fiscal year 2025. This represents a 830.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Green Dot Corp's operating cash flow?
Green Dot Corp (GDOT) generated $138.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Green Dot Corp's total assets?
Green Dot Corp (GDOT) had $6.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Green Dot Corp's capital expenditures?
Green Dot Corp (GDOT) invested $72.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Green Dot Corp's current ratio?
Green Dot Corp (GDOT) had a current ratio of 0.53 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is Green Dot Corp's debt-to-equity ratio?
Green Dot Corp (GDOT) had a debt-to-equity ratio of 5.72 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Green Dot Corp's return on assets (ROA)?
Green Dot Corp (GDOT) had a return on assets of -1.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Green Dot Corp's Altman Z-Score?
Green Dot Corp (GDOT) has an Altman Z-Score of 0.10, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Green Dot Corp's Piotroski F-Score?
Green Dot Corp (GDOT) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Green Dot Corp's earnings high quality?
Green Dot Corp (GDOT) has an earnings quality ratio of -1.40x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Green Dot Corp?
Green Dot Corp (GDOT) scores 22 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.