Green Dot Corporation operates as a financial technology and bank holding company, delivering a broad spectrum of financial products and services to ...
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Est. EPS $0.07 · Revenue $555.90M · 2 analysts
Est. EPS $-0.01 · Revenue $584.50M · 1 analysts
Est. EPS $1.44 · Revenue $2.38B · 1 analysts
Est. EPS $1.16 · Revenue $684.90M · 1 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $2.1B | +20.7% | -9.2% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $-98.9M | -270.3% | -103.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +24.5% | -27.1% | -34.3% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +2.7% | +2842.6% | -92.4% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | -4.8% | -206.8% | -104.3% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $66.0M | +830.3% | +56.1% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +3.2% | +670.9% | +71.9% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 7.4% | +7.8% | -88.4% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.52x | -2.7% | -10.9% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $6.0B | +10.1% | -6.9% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | -1.79 vs 1.39 | -228.5% | -0.04 vs 0.37 | -109.9% |
| Revenue Surprise | $2.1B vs $2.1B | +1.0% | $595.9M vs $541.2M | +10.1% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| May 21, 2026 | RICHEY ELLEN | director | Class A Common Stock | A | 17,496 | — |
| May 21, 2026 | Brewster J Chris | director | Class A Common Stock | A | 17,496 | — |
| May 21, 2026 | SHAHEEN GEORGE T | director | Class A Common Stock | A | 17,496 | — |
| May 21, 2026 | Millard Robert C. | director | Class A Common Stock | A | 17,496 | — |
| May 21, 2026 | Razon Michelleta | director | Class A Common Stock | A | 17,496 | — |
Operator: Good day, and welcome to the Green Dot Corporation Third Quarter 2025 Conference Call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. To ask questions, you may press star then 1 on your touch-tone phone. And to withdraw your question, please press star then 2. Please note this event is being recorded. I would now like to turn the conference over to Timothy Wayne Willi of Investor Relations. Please go ahead. Timothy Wayne Willi: Thank you, and good afternoon, everyone. Today, we are discussing Green Dot's third quarter 2025 financial and operating results. Following our remarks, we will open the call for your questions. Our most recent earnings release that accompanies this call and webcast can be found at ir.green.com. As a reminder, our comments may include forward-looking statements and expectations regarding future results and performance. Please refer to the cautionary language in the earnings release and Green Dot's filings with the Securities and Exchange Commission, including our most recent Form 10-Ks and 10-Q, for additional information concerning factors that could cause actual results to differ materially from the forward-looking statements. During the call, we will refer to our financial measures that do not conform with generally accepted accounting principles. For the sake of clarity, unless otherwise noted, all numbers we talk about today will be on a non-GAAP basis. Information may be calculated differently than similar non-GAAP data presented by other companies. Quantitative reconciliation of our non-GAAP financial information to the directly comparable GAAP financial information appears in today's press release. The content of this call is the property of the Green Dot Corporation and is subject to copyright protection. Operator: Now I'll turn it over to Bill. Bill? William I. Jacobs: Good afternoon, and thank you for joining our third quarter 2025 earnings call. Today, I will start with some comments on the quarter and then turn it over to Chris Ruppel for an update on our business development and go-to-market efforts. Jess Unruh will then discuss her financials in more detail, and I will conclude with some final comments and observations before taking your questions. First, regarding the strategic review, we continue to make progress, and we will provide updates when appropriate. Now let's turn to the quarter. It was a strong third quarter with results continuing to outpace our expectations. Adjusted revenue was up 21%, and while adjusted EBITDA declined 17%, the decline was expected, and our EBITDA in the quarter was substantially better than our internal projections. Jess will provide more detail on our financial results shortly. The team remains focused on strengthening our revenue engine by signing and launching new partners in the quarter, driving scale and savings in our operations, and investing in …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
William I. Jacobs | CEO & Chairman of the Board | USD 2,953,050 | Male | 1942 | Active |
Chris Ruppel | President & Chief Revenue Officer | USD 1,367,321 | Male | 1972 | Active |
Jess Unruh | Chief Financial Officer | USD 1,115,790 | Male | 1980 | Active |
Amy Myers Pugh | General Counsel & Secretary | USD 999,785 | Female | 1971 | Active |
Teresa Watkins | Chief Operations Officer | USD 895,984 | Female | 1981 | Active |
Michael Meston | Chief Human Resources Officer | USD 736,644 | Male | — | Active |
Dave Harden | Chief Technology Officer | — | Male | — | Active |
Alison Lubert | Senior Vice President & Head of Corporate Communications | — | Female | — | Active |
Timothy Wayne Willi | Senior Vice President of Finance & Corporate Development | — | Male | — | Active |
Brian Schmidt | Senior VP & CEO of Santa Barbara Tax Products Group | — | Male | — | Active |
PROVO, Utah--(BUSINESS WIRE)---- $GDOT #BaaS--Recognition underscores Green Dot's decades-long commitment to supporting the financial wellness of working Americans.
Green Dot Corporation (NYSE: GDOT - Get Free Report) shares crossed above its 200-day moving average during trading on Wednesday. The stock has a 200-day moving average of $12.31 and traded as high as $13.37. Green Dot shares last traded at $13.2980, with a volume of 264,672 shares changing hands. Analyst Upgrades and Downgrades A
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