Cash flow Green Dot Corporation

Equities

GDOT

US39304D1028

Consumer Lending

Market Closed - Nyse Other stock markets 20:00:03 11/03/2026 GMT			5-day change	1st Jan Change
11.43 ^USD	-0.17%		-3.14%	-10.77%

01-07	Green Dot Corp - William I Jacobs appointed as CEO - SEC filing	RE
11-24	Green Dot Corporation, Smith Ventures, Commerce One Financial Inc. - M&A Call

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Published financial data: GREEN DOT CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	14.79M	18.79M	42.16M	37.34M	62.36M
Interest Income, Total	14.79M	18.79M	42.16M	37.34M	62.36M
Interest On Deposits	761K	150K	255K	3.03M	5.51M
Interest Expense, Total	761K	150K	255K	3.03M	5.51M
Net Interest Income	14.02M	18.64M	41.9M	34.32M	56.86M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	5.07M	-	-	-	-
Total Other Non Interest Income	1.24B	1.41B	1.41B	1.46B	1.66B
Non Interest Income, Total	1.24B	1.41B	1.41B	1.46B	1.66B
Revenues Before Provison For Loan Losses	1.26B	1.43B	1.45B	1.5B	1.72B
Total Revenues	1.26B	1.43B	1.45B	1.5B	1.72B
Salaries And Other Employee Benefits	179M	213M	209M	205M	221M
Stock-Based Compensation (IS)	-	-	-	-	-
Selling General & Admin Expenses, Total	729M	764M	647M	635M	612M
(Income) Loss on Equity Invest.	7M	2.3M	14.1M	8M	16.1M
Total Other Non Interest Expense	293M	390M	478M	636M	887M
Non Interest Expense, Total	1.21B	1.37B	1.35B	1.48B	1.74B
EBT, Excl. Unusual Items	49.81M	63.75M	101M	14.63M	-17.6M
Total Merger & Related Restructuring Charges	-	-	-13M	-	-
Asset Writedown	-21.72M	-	-4.26M	-	-4.94M
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-47K	-	-	-
EBT, Incl. Unusual Items	28.1M	63.7M	83.92M	14.63M	-22.54M
Income Tax Expense	4.96M	16.22M	19.71M	7.91M	4.16M
Earnings From Continuing Operations	23.13M	47.48M	64.21M	6.72M	-26.7M
Net Income to Company	23.13M	47.48M	64.21M	6.72M	-26.7M
Net Income - (IS)	23.13M	47.48M	64.21M	6.72M	-26.7M
Preferred Dividend and Other Adjustments	346K	412K	178K	-	-
Net Income to Common Incl Extra Items	22.78M	47.07M	64.03M	6.72M	-26.7M
Net Income to Common Excl. Extra Items	22.78M	47.07M	64.03M	6.72M	-26.7M
Per Share Items
Net EPS - Basic	0.43	0.87	1.2	0.13	-0.5
Basic EPS - Continuing Operations	0.43	0.87	1.2	0.13	-0.5
Basic Weighted Average Shares Outstanding	52.44M	54.07M	53.35M	52.25M	53.53M
Net EPS - Diluted	0.42	0.85	1.19	0.13	-0.5
Diluted EPS - Continuing Operations	0.42	0.85	1.19	0.13	-0.5
Diluted Weighted Average Shares Outstanding	53.68M	55.22M	53.87M	52.51M	53.53M
Normalized Basic EPS	0.59	0.74	1.19	0.18	-0.21
Normalized Diluted EPS	0.58	0.72	1.17	0.17	-0.21
Supplemental Items
Effective Tax Rate - (Ratio)	17.67	25.46	23.49	54.06	-18.47
Current Domestic Taxes	19.5M	12.87M	25.72M	18.92M	13.87M
Current Foreign Taxes	471K	624K	666K	861K	651K
Total Current Taxes	19.97M	13.5M	26.38M	19.78M	14.52M
Deferred Domestic Taxes	-14.93M	2.73M	-6.76M	-11.71M	-10.36M
Deferred Foreign Taxes	-69K	-9K	87K	-161K	-1K
Total Deferred Taxes	-15M	2.72M	-6.67M	-11.87M	-10.36M
Normalized Net Income	31.13M	39.84M	63.24M	9.15M	-11M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	53.69M	51.42M	34.81M	33.74M	29.93M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	53.69M	51.42M	34.81M	33.74M	29.93M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.49B	1.32B	814M	682M	1.59B
Investment Securities, Total	280M	329M	308M	343M	364M
Mortgage Backed Securities	691M	1.85B	2.14B	2B	1.8B
Total investments	971M	2.18B	2.45B	2.35B	2.16B
Gross Loans	25M	30.22M	34.32M	51.48M	55.33M
Allowance For Loan Losses	-2.41M	-8.95M	-11.31M	-16.66M	-19.28M
Net Loans	22.59M	21.27M	23.01M	34.82M	36.05M
Gross Property Plant And Equipment	111M	106M	69.55M	71.97M	80.08M
Accumulated Depreciation	-82.32M	-84.89M	-50.21M	-54.15M	-59.19M
Net Property Plant And Equipment	28.93M	21.21M	19.34M	17.82M	20.89M
Goodwill	302M	302M	302M	302M	302M
Other Intangibles, Total	308M	290M	292M	286M	274M
Other Receivables	44.76M	59.11M	43.92M	63.88M	81.33M
Restricted Cash	4.86M	3.32M	5.9M	4.24M	44K
Other Current Assets, Total	870M	422M	600M	849M	726M
Deferred Tax Assets Long-Term (Collected)	12.74M	15.05M	117M	117M	124M
Deferred Charges Long-Term	18.33M	16.86M	14.55M	1.55M	1.24M
Other Long-Term Assets, Total	40.48M	74.9M	111M	112M	114M
Total Assets	4.12B	4.73B	4.79B	4.82B	5.43B
Liabilities
Accounts Payable, Total	34.82M	51.35M	114M	120M	104M
Accrued Expenses, Total	145M	128M	98.58M	91.24M	87.68M
Interest Bearing Deposits	27.3M	25.74M	20.03M	76.72M	103M
Institutional Deposits	3.77M	2.5M	2.28M	2M	2.13M
Non-Interest Bearing Deposits	2.7B	3.26B	3.43B	3.21B	3.91B
Total Deposits	2.74B	3.29B	3.45B	3.29B	4.01B
Short-Term Borrowings	235K	513K	328K	225K	84K
Current Portion of Long-Term Debt	-	-	-	61M	-
Current Portion of Leases	8.18M	6.92M	3.17M	3.37M	2.42M
Long-Term Debt	-	-	35M	-	48.53M
Long-Term Leases	16.4M	8.21M	5.25M	2.69M	8.64M
Current Income Taxes Payable	12.15M	291K	11.64M	6.26M	6.65M
Unearned Revenue, Current	28.58M	28.9M	25.03M	6.34M	6.28M
Other Current Liabilities - (Bank / Utility Template)	113M	140M	259M	371M	285M
Deferred Tax Liability Non-Current	7.19M	-	-	-	-
Other Non Current Liabilities	4.28M	3.53M	5.78M	1.9M	1.04M
Total Liabilities	3.11B	3.65B	4.01B	3.96B	4.56B
Preferred Stock Convertible	-	-	-	-	-
Total Preferred Equity	-	-	-	-	-
Common Stock, Total	54K	55K	52K	53K	55K
Additional Paid In Capital	354M	401M	341M	376M	408M
Retained Earnings	652M	699M	764M	770M	744M
Comprehensive Income and Other	3.43M	-29.81M	-323M	-287M	-278M
Total Common Equity	1.01B	1.07B	781M	859M	874M
Total Equity	1.01B	1.07B	781M	859M	874M
Total Liabilities And Equity	4.12B	4.73B	4.79B	4.82B	5.43B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	54.16M	54.95M	51.72M	52.83M	54.23M
ECS Total Common Shares Outstanding	54.03M	54.87M	51.67M	52.82M	54.23M
Book Value / Share	18.69	19.51	15.12	16.27	16.11
Tangible Book Value	400M	479M	187M	272M	297M
Tangible Book Value Per Share	7.41	8.72	3.62	5.15	5.48
Average Assets	2.45B	3.64B	3.87B	3.6B	4.27B
Average Loans	22.53M	37.35M	19.61M	23.8M	37.19M
Total Debt	24.81M	15.64M	43.74M	67.28M	59.67M
Federal Funds Sold	-	-	-	-	-
Net Debt	-1.47B	-1.31B	-770M	-615M	-1.53B
Equity Method Investments, Total	-	61.5M	82.4M	110M	128M
Full Time Employees	1.2K	1.2K	1.2K	1.2K	1.15K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	23.13M	47.48M	64.21M	6.72M	-26.7M
Depreciation, Depletion & Amortization	14.1M	9.52M	7.2M	6.91M	8.72M
Amortization of Goodwill and Intangible Assets - (CF)	28.12M	27.78M	23.51M	24.26M	21.28M
Total Depreciation, Depletion & Amortization	42.22M	37.3M	30.71M	31.17M	30M
Amortization of Deferred Charges, Total	44.07M	47.5M	49.9M	51.8M	54.7M
(Gain) Loss on Sale of Investments - (CF)	-4.07M	2.56M	-1.43M	-2.28M	-1.99M
Total Asset Writedown	21.72M	-	4.26M	-	4.94M
Provision for Credit Losses	7.68M	44.8M	46.12M	51.08M	47.32M
(Income) Loss On Equity Investments - (CF)	6.29M	-1.58M	15.65M	9.31M	15.75M
Stock-Based Compensation (CF)	53.69M	51.42M	34.81M	33.74M	29.93M
Change in Accounts Payable	37.64M	-5.31M	41.1M	690K	-19.47M
Change in Unearned Revenues	576K	1.28M	-3.69M	-19.54M	-917K
Change In Income Taxes	9.53M	-14.13M	11.72M	-5.61M	-22K
Change in Other Net Operating Assets (Collected)	-18.3M	-51.66M	-4.33M	-43.6M	-41.77M
Other Operating Activities	-15M	2.87M	-11.34M	-15.97M	-10.4M
Cash from Operations	209M	163M	278M	97.52M	81.38M
Capital Expenditure	-59.04M	-57.43M	-84.33M	-75.94M	-74.29M
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-723M	-1.28B	-701M	142M	186M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-453K	-28.38M	-32.06M	-28.97M	-27.86M
Other Investing Activities, Total	-3.53M	-852K	-2.56M	-3.78M	-2.57M
Cash from Investing	-786M	-1.37B	-820M	33.16M	81.4M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	100M	-	100M	282M	288M
Total Debt Issued	100M	-	100M	282M	288M
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-135M	-	-65M	-256M	-299M
Total Debt Repaid	-135M	-	-65M	-256M	-299M
Issuance of Common Stock	17M	8.04M	6.18M	5.56M	5M
Repurchase of Common Stock	-12.45M	-12.86M	-101M	-3.9M	-2.89M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.55B	555M	157M	-159M	718M
Other Financing Activities, Total	-517M	485M	-60.14M	-132M	34.56M
Cash from Financing	1.01B	1.03B	36.71M	-264M	743M
Net Change in Cash	431M	-171M	-506M	-133M	906M
Supplemental Items
Cash Interest Paid	926K	1.43M	627K	5.92M	12.97M
Cash Income Tax Paid (Refund)	10.62M	27.2M	12.97M	24.35M	13.59M
Net Debt Issued / Repaid	-35M	-	35M	26M	-11.5M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.7	1.07	1.35	0.14	-0.52
Return On Equity %	2.39	4.56	6.93	0.82	-3.08
Return on Common Equity	2.35	4.52	6.91	0.82	-3.08
Shareholders Value Added	-64.98M	-49.58M	-15.28M	-67.47M	-109M
Margin Analysis
SG&A Margin	72.19	68.2	59.09	56.03	48.5
Net Interest Income / Total Revenues %	1.11	1.3	2.89	2.29	3.31
EBT Excl. Non-Recurring Items Margin %	3.96	4.45	6.98	0.98	-1.02
Income From Continuing Operations Margin %	1.84	3.31	4.43	0.45	-1.55
Net Income Margin %	1.84	3.31	4.43	0.45	-1.55
Net Avail. For Common Margin %	1.81	3.28	4.42	0.45	-1.55
Normalized Net Income Margin	2.47	2.78	4.36	0.61	-0.64
Asset quality
Nonperforming Loans / Total Loans %	6.96	3.85	7.25	5.25	4.64
Nonperforming Loans / Total Assets %	0.04	0.02	0.05	0.06	0.05
Nonperforming Assets / Total Assets %	0.04	0.02	0.05	0.06	0.05
NPAs / Loans and OREO	6.96	3.85	7.25	5.25	4.64
NPAs / Equity	0.17	0.11	0.32	0.31	0.29
Allowance for Credit Losses / Net Charge-offs %	22.53	23.39	25.84	36.44	43.13
Allowance for Credit Losses / Nonperforming Loans %	138.51	769.48	454.5	616.5	750.31
Allowance for Credit Losses / Total Loans %	9.64	29.61	32.95	32.37	34.85
Net Charge-offs / Total Average Loans %	47.47	102.45	223.19	192.12	120.2
Earning Assets / IBL	6.68K	9.08K	15.46K	10.86K	4.07K
Interest Income / Average Assets	0.6	0.52	1.09	1.04	1.46
Interest Expense / Average Assets	0.03	0	0.01	0.08	0.13
Net Interest Income / Average Assets	0.57	0.51	1.08	0.95	1.33
Non Interest Income / Average Assets	50.68	38.88	36.37	40.61	38.88
Non Interest Expense / Average Asset	49.22	37.64	34.84	41.16	40.62
Capital And Funding
Total Average Common Equity / Total Average Assets %	29.46	23.53	19.47	17.08	16.9
Total Average Equity / Total Average Assets %	29.46	23.53	19.47	17.08	16.9
Total Equity + Allowance for Loan Losses / Total Loans %	4.05K	3.57K	2.31K	1.7K	1.61K
Gross Loans / Total Deposits %	0.91	0.92	0.99	1.56	1.38
Net Loans / Total Deposits %	0.83	0.65	0.67	1.06	0.9
Tier 1 Capital Ratio %	57.8	54	40.1	38	42.6
Total Capital Ratio %	58.2	54.9	40.9	39	43.8
Core Tier 1 Capital Ratio	57.8	54	40.1	38	42.6
Coverage Ratio	851.59	3.86K	-	-	-
Leverage Ratio %	17.5	15.9	16.6	17.9	15
Interbank Ratio	1.86K	905.46	978.96	2.89	2.09K
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	37.92	425.67	330.1	5.83	-3.09
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-53.37	32.88	124.83	-18.1	65.69
Non Interest Income, 1 Yr. Growth %	15.55	13.69	-0.5	4.02	13.49
Total Revenues, 1 Yr. Growth %	13.67	13.91	1.13	3.38	14.69
Earnings From Cont. Operations, 1 Yr. Growth %	-76.85	105.27	35.24	-89.53	-497.23
Net Income, 1 Yr. Growth %	-76.85	105.27	35.24	-89.53	-497.23
Normalized Net Income, 1 Yr. Growth %	-58.42	27.97	58.85	-85.54	-220.24
Diluted EPS Before Extra, 1 Yr. Growth %	-77.42	100.8	39.43	-89.18	-488.66
Gross Loans, 1 Yr. Growth %	-7.11	20.89	13.57	50.01	7.47
Allowance For Loan Losses, 1 Yr. Growth %	-47.2	271.33	26.36	47.36	15.72
Net Loans, 1 Yr. Growth %	1.08	-5.83	8.18	51.3	3.53
Non Performing Loans, 1 Yr. Growth %	-33.59	-33.16	113.93	8.64	-4.92
Non Performing Assets, 1 Yr. Growth %	-33.59	-33.16	113.93	8.64	-4.92
Total Assets, 1 Yr. Growth %	67.25	14.83	1.35	0.58	12.81
Total Deposits, 1 Yr Growth %	132.71	20.17	4.97	-4.54	21.77
Tangible Book Value, 1 Yr. Growth %	39.79	19.52	-60.89	45.29	9.33
Average Interest Earning Assets, 1 Yr. Growth %	67.11	44.8	7.74	-8.8	15.82
Average Interest Bearing Liabilities, 1 Yr. Growth %	-67.95	6.49	-36.98	29.85	209.08
Common Equity, 1 Yr. Growth %	8.89	6.02	-27.01	9.96	1.66
Total Equity, 1 Yr. Growth %	8.89	6.02	-27.01	9.96	1.66
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-13.56	-21.28	72.85	35.7	16.49
Non Interest Income, 2 Yr. CAGR %	9.28	14.62	6.36	1.74	8.65
Total Revenues, 2 Yr. CAGR %	8.92	13.79	7.33	2.25	8.89
Earnings From Cont. Operations, 2 Yr. CAGR %	-55.86	-31.06	66.61	-62.37	-35.51
Net Income, 2 Yr. CAGR %	-55.86	-31.06	66.61	-62.37	-35.51
Normalized Net Income, 2 Yr. CAGR %	-37.63	-27.05	42.52	-52.07	-55.33
Diluted EPS Before Extra, 2 Yr. CAGR %	-55.87	-32.66	67.32	-61.15	-35.14
Gross Loans, 2 Yr. CAGR %	-21.3	5.97	17.17	30.52	26.97
Allowance For Loan Losses, 2 Yr. CAGR %	-59.96	40.03	116.61	36.46	30.59
Net Loans, 2 Yr. CAGR %	-5.56	-2.44	0.94	27.94	25.16
Non Performing Loans, 2 Yr. CAGR %	1.59	-33.37	19.58	52.45	1.63
Non Performing Assets, 2 Yr. CAGR %	1.59	-33.37	19.58	52.45	1.63
Total Assets, 2 Yr. CAGR %	34.14	38.58	7.88	0.96	6.52
Total Deposits, 2 Yr CAGR %	64.93	67.23	12.31	0.1	7.82
Tangible Book Value, 2 Yr. CAGR %	22.95	29.26	-31.63	-24.62	26.03
Average Interest Earning Assets, 2 Yr. CAGR %	37.21	55.55	24.67	-0.88	2.78
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-39.91	-41.58	-18.08	-9.54	100.34
Common Equity, 2 Yr. CAGR %	5.35	7.45	-12.03	-10.41	5.73
Total Equity, 2 Yr. CAGR %	5.35	7.45	-12.03	-10.41	5.73
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	39.79	-0.24	11.69	34.75	45.04
Non Interest Income, 3 Yr. CAGR %	11.8	10.73	9.34	5.58	5.51
Total Revenues, 3 Yr. CAGR %	12.01	10.56	9.41	6	6.24
Earnings From Cont. Operations, 3 Yr. CAGR %	-35.42	-26.32	-13.7	-33.76	-17.46
Net Income, 3 Yr. CAGR %	-35.42	-26.32	-13.7	-33.76	-17.46
Normalized Net Income, 3 Yr. CAGR %	-19.39	-20.74	-5.47	-33.52	-34.87
Diluted EPS Before Extra, 3 Yr. CAGR %	-35.87	-26.87	-14.17	-32.83	-16.29
Gross Loans, 3 Yr. CAGR %	-12.03	-9.19	8.45	27.23	22.34
Allowance For Loan Losses, 3 Yr. CAGR %	-45.35	-15.88	35.32	90.51	29.16
Net Loans, 3 Yr. CAGR %	0.95	-5.65	0.98	15.52	19.22
Non Performing Loans, 3 Yr. CAGR %	15.92	-11.64	-1.71	15.82	30.25
Non Performing Assets, 3 Yr. CAGR %	15.92	-11.64	-1.71	15.82	30.25
Total Assets, 3 Yr. CAGR %	23.26	27.37	24.86	5.39	4.77
Total Deposits, 3 Yr CAGR %	38.83	48.41	43.18	6.39	6.86
Tangible Book Value, 3 Yr. CAGR %	52.79	21.8	-13.22	-12.1	-14.67
Average Interest Earning Assets, 3 Yr. CAGR %	45.14	39.69	37.46	12.33	4.4
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-2.94	-27.28	-40.08	-4.49	36.25
Common Equity, 3 Yr. CAGR %	9.72	5.58	-5.55	-5.24	-6.56
Total Equity, 3 Yr. CAGR %	9.72	5.58	-5.55	-5.24	-6.56
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	63.32	60.41	52.18	12.82	13.58
Non Interest Income, 5 Yr. CAGR %	12.28	14.5	9.6	7.04	9.06
Total Revenues, 5 Yr. CAGR %	12.57	14.85	10.11	7.16	9.2
Earnings From Cont. Operations, 5 Yr. CAGR %	-9.65	2.68	-5.65	-43.69	-23.19
Net Income, 5 Yr. CAGR %	-9.65	2.68	-5.65	-43.69	-23.19
Normalized Net Income, 5 Yr. CAGR %	-2.24	1.49	1.25	-35.2	-31.86
Diluted EPS Before Extra, 5 Yr. CAGR %	-10	1.19	-5.89	-43.22	-23.27
Gross Loans, 5 Yr. CAGR %	8.14	7.44	-1.34	4.99	15.51
Allowance For Loan Losses, 5 Yr. CAGR %	-22.14	-6.02	-5.19	2.08	33.4
Net Loans, 5 Yr. CAGR %	21.65	19.04	0.94	6.58	10.04
Non Performing Loans, 5 Yr. CAGR %	36.66	25.88	17.37	9.9	-0.38
Non Performing Assets, 5 Yr. CAGR %	36.66	25.88	17.37	9.9	-0.38
Total Assets, 5 Yr. CAGR %	19.46	22.11	16.86	16.06	17.17
Total Deposits, 5 Yr CAGR %	33.21	34.84	27.54	26.78	27.82
Tangible Book Value, 5 Yr. CAGR %	23.05	22.35	10.77	0.53	0.75
Average Interest Earning Assets, 5 Yr. CAGR %	23.87	35.01	36.58	21.69	22.37
Average Interest Bearing Liabilities, 5 Yr. CAGR %	15.88	11.94	-9.31	-20.65	-2.9
Common Equity, 5 Yr. CAGR %	8.77	9.38	0.44	-1.13	-1.19
Total Equity, 5 Yr. CAGR %	8.77	9.38	0.44	-1.13	-1.19