GREEN DOT CORP financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data GREEN DOT CORP files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	719	901	1,066	1,109	1,254	1,433	1,450	1,501	1,724	2,080
Selling and marketing	249	281	326	387	415	382	298	245	217	208
Operating expenses	655	792	935	986	1,224	1,367	1,355	1,479	1,726	2,067
Operating income	63.3	109	130	123	30.1	66.5	94.4	22.7	-1.67	13.7
Interest income	7.37	11.2	23.7
Other non-operating income			-1.55	0.03	-1.22	-2.62	-10.2	-5.01	-15.4	-105
Pre-tax income	61.6	103	124	121	28.1	63.7	83.9	14.6	-22.5	-97.3
Income tax	20	17.6	5.11	21.2	4.96	16.2	19.7	7.91	4.16	1.59
Net income	41.6	85.9	119	99.9	23.1	47.5	64.2	6.72	-26.7	-98.9
EBITDA	103	143	169	172	88.1	123	151	81.4	61.8	78.4
Shares, basic (weighted)	49.5	50.5	52.2	52.2	52.4	54.1	53.4	52.3	53.5	55.1
Shares, diluted (weighted)	50.8	53.2	54.5	53.1	53.7	55.2	53.9	52.5	53.5	55.1

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	733	919	1,095	1,063	1,492	1,322	814	682	1,592	1,422
Short-term investments		11.9	20	10	0
Receivables	40.2	35.3	40.9	59.5	67.8	80.4	74.4	110	132	197
Other current assets	32.2	47.1	57.1	66.2	66.7	81.4	78.2	69.4	63.4	73.3
Total current assets	1,013	1,321	1,376	1,442	2,413	1,809	1,466	1,638	2,428	2,640
Property, plant and equipment	82.6	97.3	120	145	133	135	160	179	188	198
Lease right-of-use assets			0	26.4	13.1	11	8.32	5.34	10.8	1.05
Goodwill	208	302	302	302	302	302	302	302	302	302
Intangible assets	243	281	249	219	190	165	143	119	96.2	72.6
Long-term investments		142	181	267	971	2,116	2,364
Total assets	1,740	2,198	2,287	2,461	4,115	4,725	4,789	4,817	5,434	5,985
Accounts payable	22.9	34.9	38.6	37.9	34.8	51.4	114	120	104	115
Deferred revenue	25	30.9	34.6	28.4	28.6	28.9	25	6.34	6.28	4.22
Total current liabilities	961	1,336	1,337	1,445	3,078	3,643	3,962	3,953	4,502	5,030
Long-term debt								0	48.5	63.5
Lease liabilities			0	24.4	16.4	8.21	5.25	2.69	8.64	1.6
Other non-current liabilities	12.3	30.5	30.9	10.9	4.28	3.53	5.78	1.9	1.05	0.28
Total liabilities	1,057	1,433	1,377	1,533	3,105	3,655	4,008	3,958	4,561	5,095
Paid-in capital	358	355	381	296	354	401	341	376	408	427
Retained earnings	326	410	529	629	652	699	764	770	744	645
Other comprehensive income	-0.18	-0.73	-0.14	2.04	3.43	-29.8	-323	-287	-278	-182
Shareholders' equity	684	765	910	927	1,010	1,071	781	859	874	890
Total equity	684	765	910	927	1,010	1,071	781	859	874	890
Total liabilities and equity	1,740	2,198	2,287	2,461	4,115	4,725	4,789	4,817	5,434	5,985
Shares outstanding	50.5	51.1	52.9	51.8	54	54.9	51.7	52.8	54.2	55.6

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	41.6	85.9	119	99.9	23.1	47.5	64.2	6.72	-26.7	-98.9
Depreciation and amortization	39.5	33.5	38.6	49.5	58	57	57.1	58.7	63.4	64.7
Stock-based compensation	28.3	40.7	50.1	29.6	53.7	51.4	34.8	33.7	29.9	18.7
Deferred income tax	1.27	2.78	-0.23	6.88	-15	2.72	-6.67	-11.9	-10.4	0.37
Change in receivables	-74.9	-68.4	-18.1	-25.2	-16.2	-32.5	-7.81	-60.5	-41.6	-78
Change in payables	-19.2	28	12.5	-8.15	37.6	-5.31	41.1	0.69	-19.5	69.4
Cash from operations	115	218	251	190	209	167	278	97.5	81.4	139
Capital expenditures	-43.3	-44.1	-61	-78.2	-59	-57.4	-84.3	-75.9	-74.3	-72.5
Acquisitions	0	-141	0	0	-3.53
Purchases of investments	-136	-58.7	-187	-189	-994	-1,396	-932	0	-11.8	-1,281
Sales and maturities of investments	106	71.3	60.4	111	108	197	294	177	233	218
Cash from investing	-72	-145	-115	-154	-786	-1,368	-820	33.2	81.4	-451
Share buybacks	-59	-52	0	-100	0	0	-95.5	0	0
Cash from financing	-75.7	192	-51	-65.1	1,007	1,030	36.7	-264	743	141
Net change in cash		265	85.1	-29.1	431	-171	-506	-133	906	-171
Free cash flow	71.2	174	190	112	150	110	193	21.6	7.1	66
Interest paid	7.59	4.52	4.89	2.45	0.93	1.43	0.63	5.92	13	12.4
Income taxes paid	22.3	9.6	6.23	1.92	10.6	27.2	13	24.4	13.6	6.1

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $12.25 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Operating margin	0.3%	Operating income / revenue.
EBITDA margin	3.4%	EBITDA (operating income + depreciation and amortization) / revenue.
Pre-tax margin	0.8%	Pre-tax income / revenue.
Net margin	-1.1%	Net income / revenue.
FCF margin	3.7%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	6.9%	Cash from operations / revenue.
Effective tax rate	121.4%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	-2.8%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	-0.4%	Net income / average total assets.
Stock-based pay / revenue	0.8%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	3.2%	Capital expenditures / revenue.
D&A / revenue	3.1%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	20.7%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	12.8%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	10.7%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating income CAGR, 3y	-47.5%	Compound annual growth of operating income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating income CAGR, 5y	-14.6%	Compound annual growth of operating income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EBITDA growth, 1y	26.9%	EBITDA vs the same period a year earlier. Only from a positive base.
EBITDA CAGR, 3y	-19.7%	Compound annual growth of ebitda over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EBITDA CAGR, 5y	-2.3%	Compound annual growth of ebitda over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	70.3%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-20.7%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	-7.9%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	830.3%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-30.1%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	-15.2%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	1.9%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	4.4%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	-2.5%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	10.1%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	7.7%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	7.8%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	2.9%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	0.8%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	0.5%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Current ratio	0.45x	Current assets / current liabilities.
Quick ratio	0.25x	(Cash + short-term investments + receivables) / current liabilities.
Cash ratio	0.22x	(Cash + short-term investments) / current liabilities.
Liabilities / assets	84.8%	Total liabilities / total assets.
Working capital	-$2.87B	Current assets - current liabilities.
Tangible book value	$939.4M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.37x	Revenue / average total assets.
Fixed asset turnover	11.3x	Revenue / average property, plant and equipment.
Receivables turnover	16.5x	Revenue / average receivables.
Days sales outstanding	22 days	365 x average receivables / revenue.
Capex / operating cash flow	46.6%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	-$0.46	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$39.98	Revenue / diluted weighted shares.
FCF per share	$1.46	Free cash flow / diluted weighted shares.
Operating cash flow per share	$2.74	Cash from operations / diluted weighted shares.
Book value per share	$16.49	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$16.49	Tangible book value / shares outstanding.
Cash per share	$20.06	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$698.1M	Share price x shares outstanding.
Enterprise value	-$445.3M	Market cap + total debt - cash - short-term investments.
P/S	0.31x	Market cap / revenue.
P/B	0.74x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.74x	Market cap / tangible book value, when positive.
P/FCF	8.41x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	4.49x	Market cap / cash from operations, when positive.
FCF yield	11.9%	Free cash flow / market cap.
Earnings yield	-3.7%	Net income / market cap (the inverse of P/E).

What was GREEN DOT CORP's revenue in fiscal 2025?

GREEN DOT CORP reported revenue of $2.08B for fiscal 2025, 20.7% higher than the year before.

Was GREEN DOT CORP profitable in fiscal 2025?

No. It reported a net loss of $98.9M.

How much free cash flow did GREEN DOT CORP generate in fiscal 2025?

Cash from operations of $138.6M minus capital expenditures of $72.5M left free cash flow of $66.0M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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