Green Dot Corporation (GDOT) Financials

GDOT

Trailing 12 months to June 30, 2026

Revenue $2.3B +17.7% YoY

Net Income -$25.9M -8.2% YoY

Free Cash Flow $83.0M +46.4% YoY

Operating Cash Flow $155.5M +12.4% YoY

Market Cap $695.2M as of Oct 17, 2026

Price / Sales 0.3x on $2.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 0.7x on $939.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the GDOT SEC filings page.

Green Dot Corporation (GDOT) reported $2.3B in revenue over the twelve months to Jun 30, 2026, up 17.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI GDOT FY2025 2026-10-04

The business is growing, but its expanding revenue produces thin operating profit, net losses, and cash generation that does not erase heavy leverage.

In FY2025, operating margin recovered to 0.7% from -0.1% in FY2024, yet net margin deteriorated to -4.8%; the operating improvement did not reach the bottom line. Meanwhile, operating cash flow was $138.6M versus free cash flow of $66.0M; that positive cash generation alongside the reported net loss shows accounting earnings and cash generation are materially out of sync, with reinvestment absorbing about half of operating cash.

Revenue reached $2.1B in FY2025, up 43.5% from FY2022. Over the same span, operating margin fell from 6.5% to 0.7%, so scale has not yet translated into operating leverage or durable profitability.

The balance sheet carried $5.1B of liabilities against $890M of equity in FY2025. A reported 5.7x debt-to-equity ratio and 0.5 current ratio indicate both substantial leverage and limited current-asset coverage.

Financial Health Signals

Financial Health Score 33/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Green Dot Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Green Dot Corporation has an operating margin of 0.7%, meaning the company retains $1 of operating profit per $100 of revenue. This results in a moderate score of 36/100, indicating healthy but not exceptional operating efficiency. This is up from -0.1% the prior year.

Growth

Green Dot Corporation's revenue surged 20.7% year-over-year to $2.1B, reflecting rapid business expansion. This strong growth earns a score of 79/100.

Leverage

Green Dot Corporation 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 10/100, reflecting increased financial risk.

Liquidity

Green Dot Corporation's current ratio of 0.53 is below the typical benchmark, resulting in a score of 5/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow

Green Dot Corporation 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.

Returns

Green Dot Corporation posts a -11.1% return on equity (ROE), meaning it loses $11 for every $100 of shareholders' equity. This results in a returns score of 36/100. This is down from -3.1% the prior year.

Altman Z-Score Distress

0.11

Green Dot Corporation scores 0.11, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($695.2M) relative to total liabilities ($5.1B). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial

3/7

Green Dot Corporation passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

N/A

Green Dot Corporation reported a net loss of $98.9M while generating $138.6M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.

Interest Coverage Adequate

2.22x

Green Dot Corporation earns $2.22 in operating income for every $1 of interest expense ($13.7M vs $6.2M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue

$595.9M

YoY+18.2%

QoQ-9.2%

5Y CAGR+10.0%

10Y CAGR+13.1%

Green Dot Corporation generated $595.9M in revenue in Q2 2026. This represents an increase of 18.2% from the same quarter a year earlier. Against the prior quarter it is down 9.2%.

EBITDA

$17.9M

YoY-39.3%

QoQ-79.5%

5Y CAGR-17.1%

10Y CAGR-2.5%

Green Dot Corporation's EBITDA was $17.9M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 39.3% from the same quarter a year earlier. Against the prior quarter it is down 79.5%.

Net Income

-$2.1M

YoY+95.6%

QoQ-103.9%

Green Dot Corporation reported -$2.1M in net income in Q2 2026. This represents an increase of 95.6% from the same quarter a year earlier. Against the prior quarter it is down 103.9%.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$79.8M

YoY+61.2%

QoQ+4.9%

5Y CAGR+25.7%

10Y CAGR+25.0%

Green Dot Corporation generated $79.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 61.2% from the same quarter a year earlier. Against the prior quarter it is up 4.9%.

Cash & Debt

$1.1B

YoY-50.6%

QoQ-30.6%

5Y CAGR-9.6%

10Y CAGR+7.2%

Green Dot Corporation held $1.1B in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

57M

YoY+2.9%

QoQ+0.6%

5Y CAGR+0.8%

Green Dot Corporation had 57M shares outstanding in Q2 2026. This represents an increase of 2.9% from the same quarter a year earlier. Against the prior quarter it is up 0.6%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Operating Margin

-0.1%

YoY-2.8pp

QoQ-10.7pp

5Y change-8.7pp

10Y change-7.5pp

Green Dot Corporation's operating margin was -0.1% in Q2 2026, reflecting core business profitability. This is down 2.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 10.7 percentage points.

Net Margin

-0.4%

YoY+9.0pp

QoQ-8.5pp

5Y change-7.1pp

10Y change-5.0pp

Green Dot Corporation's net profit margin was -0.4% in Q2 2026, showing the share of revenue converted to profit. This is up 9.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 8.5 percentage points.

Return on Equity

-0.2%

YoY+4.9pp

QoQ-5.9pp

5Y change-2.6pp

10Y change-1.4pp

Green Dot Corporation's ROE was -0.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 4.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.9 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$19.8M

YoY+1.8%

QoQ+4.3%

5Y CAGR+8.2%

10Y CAGR+5.3%

Green Dot Corporation invested $19.8M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 1.8% from the same quarter a year earlier. Against the prior quarter it is up 4.3%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

GDOT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GDOT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$2.3B	$2.1B+20.7%	$1.7B+14.8%	$1.5B+3.6%	$1.4B+1.1%	$1.4B+14.3%	$1.3B+13.1%	$1.1B+4.0%	$1.1B+18.2%	$901.1M+25.4%	$718.8M+3.5%	$694.7M+15.5%	$601.6M+4.9%	$573.6M+5.0%	$546.3M+16.9%	$467.4M
SG&A Expenses	$243.1M	$254.4M+1.3%	$251.0M+5.2%	$238.5M-2.2%	$243.9M-7.8%	$264.7M+13.5%	$233.2M+17.5%	$198.4M-10.5%	$221.6M+13.9%	$194.7M+22.1%	$159.5M-5.2%	$168.2M+36.7%	$123.1M-3.3%	$127.3M+10.8%	$114.9M+31.1%	$87.7M
Operating Income	$7.8M	$13.7M+918.9%	-$1.7M-107.4%	$22.7M-76.0%	$94.4M+42.0%	$66.5M+121.0%	$30.1M-75.5%	$122.9M-5.7%	$130.4M+19.3%	$109.3M+72.6%	$63.3M+6.7%	$59.3M+0.6%	$59.0M+20.1%	$49.1M-31.9%	$72.1M-13.6%	$83.4M
EBITDA	N/A	$78.4M+26.9%	$61.8M-24.1%	$81.4M-46.3%	$151.5M+22.7%	$123.5M+40.2%	$88.1M-48.9%	$172.4M+2.0%	$169.0M+18.4%	$142.8M+38.9%	$102.8M+5.0%	$97.8M+7.0%	$91.4M+20.2%	$76.1M-15.7%	$90.3M-5.8%	$95.8M
Interest Expense	$6.3M	$6.2M+11.7%	$5.5M+81.9%	$3.0M+1087.1%	$255K+270.0%	-$150K+80.3%	-$761K+59.2%	-$1.9M+63.1%	-$5.0M+13.6%	-$5.8M	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$23.2M	$1.6M-61.7%	$4.2M-47.4%	$7.9M-59.9%	$19.7M+21.5%	$16.2M+226.8%	$5.0M-76.6%	$21.2M+314.2%	$5.1M-70.9%	$17.6M-12.0%	$20.0M+1.3%	$19.7M-24.8%	$26.2M+42.0%	$18.5M-36.2%	$28.9M-9.4%	$31.9M
Net Income	-$25.9M	-$98.9M-270.3%	-$26.7M-497.2%	$6.7M-89.5%	$64.2M+35.2%	$47.5M+105.3%	$23.1M-76.8%	$99.9M-15.8%	$118.7M+38.2%	$85.9M+106.5%	$41.6M+8.3%	$38.4M-10.0%	$42.7M+25.4%	$34.0M-27.9%	$47.2M-9.3%	$52.1M
Diluted Shares (Avg)	N/A	55M+2.9%	54M+1.9%	53M-2.5%	54M-2.4%	55M+2.9%	54M+1.0%	53M-2.5%	54M+2.4%	53M+4.7%	51M-2.1%	52M+24.2%	42M+12.4%	37M+3.4%	36M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$595.9M+18.2%	$656.2M+17.4%	$522.6M+14.9%	$494.8M+20.8%	$504.2M+23.8%	$558.9M+23.6%	$455.0M+24.3%	$409.7M+16.1%
SG&A Expenses	$59.0M-7.6%	$59.8M-9.7%	$60.9M-0.3%	$63.4M+2.6%	$63.8M+4.1%	$66.2M-0.9%	$61.1M+34.0%	$61.8M+4.4%
Operating Income	-$761K-105.7%	$69.0M+13.7%	-$27.7M-292.3%	-$32.8M-1019.7%	$13.4M+156.6%	$60.7M+475.6%	$14.4M+154.7%	-$2.9M+57.1%
EBITDA	$17.9M-39.3%	$87.2M+14.8%	-$10.5M-134.8%	-$16.6M-232.1%	$29.5M+476.0%	$75.9M+181.4%	$30.1M+404.8%	$12.5M+59.1%
Interest Expense	$1.6M-3.1%	$1.6M+13.7%	$1.6M+31.7%	$1.6M-1.4%	$1.6M+28.2%	$1.4M-4.9%	$1.2M+232.5%	$1.6M+559.8%
Income Tax	-$268K+98.3%	$13.9M+76.2%	$14.5M+428.1%	-$4.9M-1219.0%	-$15.9M-2008.5%	$7.9M+210.7%	$2.8M+208.6%	-$374K+76.8%
Net Income	-$2.1M+95.6%	$53.8M+108.6%	-$46.8M-1017.6%	-$30.8M-292.7%	-$47.0M-63.8%	$25.8M+442.6%	$5.1M+121.6%	-$7.8M-25.1%
Diluted Shares (Avg)	57M+3.0%	58M+4.9%	N/A	55M+3.1%	55M+3.1%	55M+3.8%	N/A	54M+2.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, EPS (Basic), EPS (Diluted).

GDOT Balance Sheet

GDOT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$6.0B+10.1%	$5.4B+12.8%	$4.8B+0.6%	$4.8B+1.3%	$4.7B+14.8%	$4.1B+67.2%	$2.5B+7.6%	$2.3B+4.1%	$2.2B+26.3%	$1.7B+2.9%	$1.7B+4.8%	$1.6B+84.4%	$875.5M+20.6%	$725.7M+70.4%	$425.9M
Current Assets	$2.6B+8.7%	$2.4B+48.2%	$1.6B+11.7%	$1.5B-19.0%	$1.8B-25.0%	$2.4B+67.4%	$1.4B+4.8%	$1.4B+4.1%	$1.3B+30.4%	$1.0B+3.9%	$975.3M-3.4%	$1.0B+51.6%	$666.1M+25.6%	$530.2M+57.5%	$336.6M
Cash & Equivalents	$1.4B-10.7%	$1.6B+133.4%	$682.3M-16.2%	$813.9M-38.4%	$1.3B-11.4%	$1.5B+40.3%	$1.1B-2.9%	$1.1B+19.1%	$919.2M+25.5%	$732.7M-5.1%	$772.1M+6.6%	$724.2M+71.0%	$423.5M+44.2%	$293.6M+31.6%	$223.0M
Short-Term Investments	$0-100.0%	$24.2M-28.7%	$33.9M	$0	$0	$0-100.0%	$10.0M-49.8%	$20.0M+67.9%	$11.9M-74.5%	$46.7M-4.9%	$49.1M+5.3%	$46.6M-59.8%	$116.2M+0.8%	$115.2M+458.2%	$20.6M
Accounts Receivable	$197.2M+49.4%	$132.0M+19.9%	$110.1M+48.0%	$74.4M-7.4%	$80.4M+18.7%	$67.8M+13.8%	$59.5M+45.4%	$40.9M+16.1%	$35.3M-12.1%	$40.1M-4.8%	$42.2M-13.8%	$48.9M+5.5%	$46.4M+14.7%	$40.4M-2.1%	$41.3M
Long-Term Investments	$2.5B+22.9%	$2.0B-8.8%	$2.2B-6.8%	$2.4B+11.7%	$2.1B+117.9%	$971.0M+263.1%	$267.4M+47.6%	$181.2M+28.0%	$141.6M-12.4%	$161.7M+22.1%	$132.4M+79.5%	$73.8M-10.7%	$82.6M+20.5%	$68.5M+548.9%	$10.6M
Goodwill	$301.8M0.0%	$301.8M0.0%	$301.8M0.0%	$301.8M0.0%	$301.8M0.0%	$301.8M0.0%	$301.8M0.0%	$301.8M0.0%	$301.8M+44.8%	$208.4M+0.1%	$208.1M+43.8%	$144.7M+430.9%	$27.3M0.0%	$27.3M+151.9%	$10.8M
Total Liabilities	$5.1B+11.7%	$4.6B+15.2%	$4.0B-1.2%	$4.0B+9.7%	$3.7B+17.7%	$3.1B+102.5%	$1.5B+11.3%	$1.4B-3.9%	$1.4B+35.6%	$1.1B+2.8%	$1.0B+4.3%	$985.3M+108.2%	$473.2M+18.9%	$398.0M+130.5%	$172.7M
Current Liabilities	$5.0B+11.7%	$4.5B+13.9%	$4.0B-0.2%	$4.0B+8.7%	$3.6B+18.4%	$3.1B+113.0%	$1.4B+8.1%	$1.3B+0.1%	$1.3B+39.0%	$960.8M+8.2%	$888.3M+7.0%	$830.1M+89.2%	$438.8M+15.7%	$379.4M+134.7%	$161.7M
Non-Current Liabilities	$65.4M+12.4%	$58.2M+1170.4%	$4.6M-90.0%	$46.0M+292.0%	$11.7M-57.9%	$27.9M-68.4%	$88.1M+120.4%	$40.0M-58.8%	$97.0M+1.2%	$95.8M-31.5%	$139.9M-9.9%	$155.2M+351.4%	$34.4M+85.2%	$18.6M+68.6%	$11.0M
Total Equity	$890.2M+1.9%	$873.6M+1.7%	$859.4M+10.0%	$781.5M-27.0%	$1.1B+6.0%	$1.0B+8.9%	$927.4M+1.9%	$909.8M+19.0%	$764.5M+11.8%	$683.7M+3.1%	$663.3M+5.5%	$629.0M+56.4%	$402.2M+22.7%	$327.8M+29.5%	$253.2M
Retained Earnings	$644.7M-13.3%	$743.6M-3.5%	$770.3M+0.9%	$763.6M+9.2%	$699.4M+7.3%	$651.9M+3.6%	$629.0M+18.9%	$529.1M+28.9%	$410.4M+26.0%	$325.7M+14.6%	$284.1M+15.6%	$245.7M+21.0%	$203.0M+20.1%	$169.0M+38.8%	$121.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.2B+10.9%	$6.7B+16.1%	$6.0B+10.1%	$5.8B+9.1%	$5.6B+1.2%	$5.7B+7.6%	$5.4B+12.8%	$5.3B+13.3%
Current Assets	$2.3B-26.6%	$2.8B+3.0%	$2.6B+8.7%	$2.6B+15.8%	$3.2B+30.1%	$2.7B+23.5%	$2.4B+48.2%	$2.2B+44.1%
Cash & Equivalents	$1.1B-50.6%	$1.6B-7.1%	$1.4B-10.7%	$1.6B+12.6%	$2.3B+75.6%	$1.8B+58.5%	$1.6B+133.4%	$1.5B+104.3%
Short-Term Investments	$0	$0-100.0%	$0-100.0%	$0-100.0%	$0-100.0%	$102.0M+69.7%	$24.2M-28.7%	$43.3M+9.3%
Accounts Receivable	$137.8M+33.7%	$196.3M+52.6%	$197.2M+49.4%	$145.8M+72.3%	$103.1M+35.8%	$128.6M+44.0%	$132.0M+19.9%	$84.6M+28.2%
Long-Term Investments	$3.0B+97.3%	$3.0B+48.3%	$2.5B+22.9%	$2.3B+9.7%	$1.5B-25.6%	$2.0B-5.5%	$2.0B-8.8%	$2.1B-0.7%
Goodwill	N/A	N/A	$301.8M0.0%	N/A	N/A	N/A	$301.8M0.0%	N/A
Total Liabilities	$5.3B+12.7%	$5.7B+19.5%	$5.1B+11.7%	$4.9B+11.5%	$4.7B+0.3%	$4.8B+7.4%	$4.6B+15.2%	$4.4B+12.5%
Current Liabilities	$5.2B+13.0%	$5.6B+19.9%	$5.0B+11.7%	$4.8B+11.2%	$4.6B-1.1%	$4.7B+5.9%	$4.5B+13.9%	$4.3B+12.8%
Non-Current Liabilities	$65.3M-8.2%	$65.4M-9.2%	$65.4M+12.4%	$65.5M+39.5%	$71.1M+2220.7%	$72.0M+1954.2%	$58.2M+1170.4%	$47.0M-9.8%
Total Equity	$939.4M+2.0%	$940.5M-0.8%	$890.2M+1.9%	$913.3M-2.0%	$920.9M+5.9%	$947.7M+8.8%	$873.6M+1.7%	$932.2M+17.2%
Retained Earnings	$696.4M-3.6%	$698.5M-9.2%	$644.7M-13.3%	$691.6M-6.4%	$722.4M-3.2%	$769.4M-0.7%	$743.6M-3.5%	$738.5M-7.0%

Not reported in any period shown, so not listed: Inventory, Long-Term Debt.

GDOT Cash Flow Statement

GDOT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$155.5M	$138.6M+70.3%	$81.4M-16.5%	$97.5M-64.9%	$277.7M+66.2%	$167.0M-20.1%	$209.2M+10.1%	$189.9M-24.4%	$251.1M+15.0%	$218.3M+90.6%	$114.5M-27.0%	$156.9M+126.7%	$69.2M-43.5%	$122.5M+20.1%	$102.0M+8.5%	$94.1M
Depreciation & Amortization	N/A	$64.7M+2.0%	$63.4M+8.0%	$58.7M+2.8%	$57.1M+0.1%	$57.0M-1.7%	$58.0M+17.2%	$49.5M+28.3%	$38.6M+15.3%	$33.5M-15.2%	$39.5M+2.5%	$38.5M+18.7%	$32.5M+20.3%	$27.0M+48.8%	$18.1M+47.0%	$12.3M
Stock-Based Compensation	N/A	$18.7M-37.5%	$29.9M-11.3%	$33.7M-3.1%	$34.8M-32.3%	$51.4M-4.2%	$53.7M+81.5%	$29.6M-40.9%	$50.1M+23.0%	$40.7M+43.8%	$28.3M+4.8%	$27.0M+32.9%	$20.3M+38.3%	$14.7M+15.5%	$12.7M+33.7%	$9.5M
Capital Expenditures	$72.5M	$72.5M-2.4%	$74.3M-2.2%	$75.9M-9.9%	$84.3M+46.8%	$57.4M-2.7%	$59.0M-24.5%	$78.2M+28.2%	$61.0M+38.3%	$44.1M+2.0%	$43.3M-9.5%	$47.8M+21.6%	$39.3M+10.1%	$35.7M-11.6%	$40.4M+75.3%	$23.1M
Free Cash Flow	$83.0M	$66.0M+830.3%	$7.1M-67.1%	$21.6M-88.8%	$193.4M+76.4%	$109.6M-27.0%	$150.1M+34.4%	$111.7M-41.2%	$190.0M+9.1%	$174.2M+144.5%	$71.2M-34.7%	$109.1M+265.2%	$29.9M-65.6%	$86.8M+40.9%	$61.6M-13.2%	$71.0M
Investing Cash Flow	-$1.6B	-$450.5M-653.5%	$81.4M+145.5%	$33.2M+104.0%	-$820.2M+40.1%	-$1.4B-74.1%	-$785.8M-410.8%	-$153.9M-33.8%	-$115.0M+20.8%	-$145.2M-101.6%	-$72.0M+59.0%	-$175.7M+6.2%	-$187.3M-250.9%	-$53.4M+74.6%	-$210.3M-317.0%	-$50.4M
Financing Cash Flow	$255.3M	$141.3M-81.0%	$743.1M+381.5%	-$264.0M-819.3%	$36.7M-96.4%	$1.0B+2.3%	$1.0B+1646.6%	-$65.1M-27.8%	-$51.0M-126.5%	$192.2M+354.0%	-$75.7M-214.2%	$66.3M-84.2%	$419.1M+623.7%	$57.9M-67.7%	$179.4M+1153.1%	$14.3M
Share Buybacks	N/A	N/A	$0	$0-100.0%	$95.5M	$0	$0-100.0%	$100.0M	$0-100.0%	$52.0M-11.9%	$59.0M+44.0%	$41.0M	$0	$0	N/A	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$99.6M+44.4%	$95.1M-12.6%	-$62.5M-171.5%	$23.3M+243.3%	$69.0M+119.0%	$108.7M+21.9%	-$23.0M+34.1%	-$16.3M-447.7%
Depreciation & Amortization	$18.7M+16.1%	$18.1M+19.4%	$17.2M+9.6%	$16.3M+5.1%	$16.1M+1.6%	$15.2M-7.6%	$15.7M-4.4%	$15.5M+5.1%
Stock-Based Compensation	$3.3M-42.1%	$4.5M+48.8%	N/A	$5.3M-35.4%	$5.7M-20.8%	$3.0M-65.0%	N/A	$8.2M+3.8%
Capital Expenditures	$19.8M+1.8%	$19.0M-2.0%	$13.8M-37.4%	$19.8M-4.3%	$19.5M+14.7%	$19.4M+34.0%	$22.1M+8.2%	$20.7M+18.9%
Free Cash Flow	$79.8M+61.2%	$76.0M-14.9%	-$76.3M-69.1%	$3.5M+109.6%	$49.5M+241.3%	$89.3M+19.6%	-$45.1M+18.5%	-$37.0M-191.0%
Investing Cash Flow	-$61.2M-110.8%	-$566.6M-792.9%	-$163.1M-3592.8%	-$789.1M-1111.2%	$565.1M+4491.1%	-$63.5M-1302.1%	-$4.4M-130.0%	$78.0M+178.7%
Financing Cash Flow	-$541.4M-473.4%	$696.2M+415.0%	$9.9M-94.0%	$90.6M+21.4%	-$94.4M-161.2%	$135.2M-61.1%	$166.3M+2002.2%	$74.6M+331.3%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

GDOT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GDOT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	0.7%+0.8pp	-0.1%-1.6pp	1.5%-5.0pp	6.5%+1.9pp	4.6%+2.2pp	2.4%-8.7pp	11.1%-1.1pp	12.2%+0.1pp	12.1%+3.3pp	8.8%+0.3pp	8.5%-1.3pp	9.8%+1.2pp	8.6%-4.6pp	13.2%-4.6pp	17.8%
Net Margin	-4.8%-3.2pp	-1.6%-2.0pp	0.4%-4.0pp	4.4%+1.1pp	3.3%+1.5pp	1.8%-7.2pp	9.0%-2.1pp	11.1%+1.6pp	9.5%+3.7pp	5.8%+0.3pp	5.5%-1.6pp	7.1%+1.2pp	5.9%-2.7pp	8.6%-2.5pp	11.1%
Return on Equity	-11.1%-8.1pp	-3.1%-3.8pp	0.8%-7.4pp	8.2%+3.8pp	4.4%+2.1pp	2.3%-8.5pp	10.8%-2.3pp	13.1%+1.8pp	11.2%+5.1pp	6.1%+0.3pp	5.8%-1.0pp	6.8%-1.7pp	8.5%-6.0pp	14.4%-6.2pp	20.6%
Return on Assets	-1.7%-1.2pp	-0.5%-0.6pp	0.1%-1.2pp	1.3%+0.3pp	1.0%+0.4pp	0.6%-3.5pp	4.1%-1.1pp	5.2%+1.3pp	3.9%+1.5pp	2.4%+0.1pp	2.3%-0.4pp	2.6%-1.2pp	3.9%-2.6pp	6.5%-5.7pp	12.2%
Current Ratio	0.530.0x	0.54+0.1x	0.410.0x	0.37-0.1x	0.50-0.3x	0.78-0.2x	1.000.0x	1.030.0x	0.99-0.1x	1.050.0x	1.10-0.1x	1.22-0.3x	1.52+0.1x	1.40-0.7x	2.08
Debt-to-Equity	5.72+0.5x	5.22+0.6x	4.61-0.5x	5.13+1.7x	3.41+0.3x	3.08+1.4x	1.65+0.1x	1.51-0.4x	1.87+0.3x	1.550.0x	1.550.0x	1.57+0.4x	1.180.0x	1.21+0.5x	0.68
Asset Turnover	0.350.0x	0.320.0x	0.310.0x	0.300.0x	0.300.0x	0.30-0.1x	0.450.0x	0.47+0.1x	0.410.0x	0.410.0x	0.410.0x	0.37-0.3x	0.66-0.1x	0.75-0.3x	1.10
FCF Margin	3.2%+2.8pp	0.4%-1.0pp	1.4%-11.9pp	13.3%+5.7pp	7.6%-4.3pp	12.0%+1.9pp	10.1%-7.7pp	17.8%-1.5pp	19.3%+9.4pp	9.9%-5.8pp	15.7%+10.7pp	5.0%-10.2pp	15.1%+3.9pp	11.3%-3.9pp	15.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	-0.1%-2.8pp	10.5%-0.4pp	-5.3%-8.5pp	-6.6%-5.9pp	2.7%+8.5pp	10.9%+8.5pp	3.2%+10.3pp	-0.7%+1.2pp
Net Margin	-0.4%+9.0pp	8.2%+3.6pp	-9.0%-10.1pp	-6.2%-4.3pp	-9.3%-2.3pp	4.6%+3.6pp	1.1%+7.6pp	-1.9%-0.1pp
Return on Equity	-0.2%+4.9pp	5.7%+3.0pp	-5.3%-5.8pp	-3.4%-2.5pp	-5.1%-1.8pp	2.7%+2.2pp	0.6%+3.3pp	-0.8%0.0pp
Return on Assets	0.0%+0.8pp	0.8%+0.4pp	-0.8%-0.9pp	-0.5%-0.4pp	-0.8%-0.3pp	0.4%+0.4pp	0.1%+0.6pp	-0.1%0.0pp
Current Ratio	0.45-0.2x	0.50-0.1x	0.530.0x	0.540.0x	0.69+0.2x	0.58+0.1x	0.54+0.1x	0.52+0.1x
Debt-to-Equity	5.59+0.5x	6.07+1.0x	5.72+0.5x	5.31+0.6x	5.06-0.3x	5.04-0.1x	5.22+0.6x	4.67-0.2x
Asset Turnover	0.100.0x	0.100.0x	0.090.0x	0.090.0x	0.090.0x	0.100.0x	0.080.0x	0.080.0x
FCF Margin	13.4%+3.6pp	11.6%-4.4pp	-14.6%-4.7pp	0.7%+9.7pp	9.8%+6.3pp	16.0%-0.5pp	-9.9%+5.2pp	-9.0%-5.4pp

Not reported in any period shown, so not listed: Gross Margin.

Note: The current ratio is below 1.0 (0.53), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Green Dot Corporation GDOT	FY2025	$2.1B	-$98.9M	-4.8%	$695.2M	33/100
Qudian Inc. American QD	FY2025	$5.9M	$101.3M	N/A	$632.4M	51/100
LexinFintech Holdings Ltd. LX	FY2025	$1.9B	$239.8M	12.8%	$105.8M	43/100
OppFi Inc. OPFI	FY2025	$381.2M	$26.3M	6.9%	$481.4M	44/100
World Acceptance Corp WRLD	FY2026	$585.2M	$34.6M	5.9%	$799.9M	28/100
PRA Group, Inc. PRAA	FY2025	$1.2B	-$305.0M	-25.4%	$730.0M	29/100

Where Green Dot Corporation Ranks

Frequently Asked Questions

What is Green Dot Corporation's annual revenue?

Green Dot Corporation (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 Corporation's revenue growing?

Green Dot Corporation (GDOT) revenue grew by 20.7% year-over-year, from $1.7B to $2.1B in fiscal year 2025.

Is Green Dot Corporation profitable?

No, Green Dot Corporation (GDOT) reported a net income of -$98.9M in fiscal year 2025, with a net profit margin of -4.8%.

What is Green Dot Corporation's EBITDA?

Green Dot Corporation (GDOT) had EBITDA of $78.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Green Dot Corporation's operating margin?

Green Dot Corporation (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 Corporation's net profit margin?

Green Dot Corporation (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 Corporation's return on equity (ROE)?

Green Dot Corporation (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 Corporation's free cash flow?

Green Dot Corporation (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 Corporation's operating cash flow?

Green Dot Corporation (GDOT) generated $138.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Green Dot Corporation's total assets?

Green Dot Corporation (GDOT) had $6.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Green Dot Corporation's capital expenditures?

Green Dot Corporation (GDOT) invested $72.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Green Dot Corporation have outstanding?

Green Dot Corporation (GDOT) had 56M shares outstanding as of fiscal year 2025.

What is Green Dot Corporation's current ratio?

Green Dot Corporation (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 Corporation's debt-to-equity ratio?

Green Dot Corporation (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 Corporation's return on assets (ROA)?

Green Dot Corporation (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 Corporation's P/E ratio?

Green Dot Corporation (GDOT) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $695.2M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Green Dot Corporation's price-to-sales ratio?

Green Dot Corporation (GDOT) trades at 0.3x sales, its market capitalization divided by revenue of $2.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $695.2M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Green Dot Corporation's Altman Z-Score?

Green Dot Corporation (GDOT) has an Altman Z-Score of 0.11, 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 Corporation's Piotroski F-Score?

Green Dot Corporation (GDOT) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Green Dot Corporation's earnings high quality?

Green Dot Corporation (GDOT) reported a net loss of $98.9M while generating $138.6M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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.

Can Green Dot Corporation cover its interest payments?

Green Dot Corporation (GDOT) has an interest coverage ratio of 2.22x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Green Dot Corporation?

Green Dot Corporation (GDOT) scores 33 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.