GREEN DOT CORP (GDOT) Earnings History

GREEN DOT CORP - Q3 2025 Earnings

Filed at: Nov 10, 2025, 4:22 PM EST|Read from source

EXECUTIVE SUMMARY

Green Dot reported a strong third quarter with results exceeding expectations, driven by momentum in embedded finance and BaaS solutions, alongside operational improvements. The company is raising its full-year guidance.

POSITIVE HIGHLIGHTS

  • •

    Total operating revenues increased 21% YoY to $494.8 million, driven by B2B Services growth.

    positive
  • •

    Raised full-year 2025 guidance for Adjusted EBITDA and Non-GAAP EPS.

    positive
  • •

    B2B Services segment revenue grew significantly, indicating strong performance in embedded finance and BaaS partnerships.

    positive
  • •

    Non-GAAP net income increased 62% YoY for the nine-month period.

    positive

CONCERNS & RISKS

  • •

    GAAP net loss widened significantly to $30.8 million from $7.8 million in the prior year quarter.

    negative
  • •

    GAAP diluted loss per common share increased to $(0.56) from $(0.15) in the prior year quarter.

    negative
  • •

    Adjusted EBITDA margin decreased to 4.8% from 7.0% in the prior year quarter.

    attention
  • •

    Consumer Services segment profit decreased YoY.

    attention

FINANCIAL METRICS

Revenue
Quarterly
$494.83M
+20.8%
Prior year: $409.74M
Annual (YTD)
$1.56B
N/A
Prior year: $1.27B
Net Income
Quarterly
$-30.79M
+292.6%
Prior year: $-7.84M
Annual (YTD)
$-52.04M
N/A
Prior year: $-31.80M
EPS (Diluted)
Quarterly
$-0.56
+273.3%
Prior year: $-0.15
Annual (YTD)
$-0.95
N/A
Prior year: $-0.60
Operating Income
Quarterly
$-32.83M
-1018.4%
Prior year: $-2.93M
Annual (YTD)
$41.31M
N/A
Prior year: $-16.05M
EPS (Basic)
Quarterly
$-0.56
+273.3%
Prior year: $-0.15
Annual (YTD)
$-0.95
N/A
Prior year: $-0.60

MARGIN ANALYSIS

Margin metrics will be available once backend extracts data from insights_json

REVENUE BY SEGMENT — Q3 2025 2025

VISUAL OVERVIEW

|
Consumer Services
74.8%
$88331.0B
Money Movement Services
25.2%
$29819.0B

DETAILED BREAKDOWN

|
SegmentCurrentPrior YrYoY% Total
Consumer Services
$88331.0B——74.8%
Money Movement Services
$29819.0B——25.2%
Total Revenue$118150.0B——100.0%

Segment performance shows business unit health and growth drivers.

MANAGEMENT GUIDANCE

FY 2025

total non-GAAP operating revenues
$2000000.0B—$2100000.0B
Mid-point: $2050000.0B
adjusted EBITDA
165,000,000—175,000,000
Mid-point: 170,000,000
"Up from previous guidance"
non-GAAP EPS
$1.31—$1.44
Mid-point: $1.38
"Up from previous guidance"

Forward-looking guidance is subject to change and does not constitute a guarantee. Actual results may differ materially from these estimates.

SPECIAL ITEMS & ADJUSTMENTS

Q3 2025
Restructuring and other charges related to closure of China operations
Excluded from non-GAAP measures as not reflective of ongoing operating results.
+$19.902M

Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.

MANAGEMENT COMMENTARY

Delivered a strong third quarter with results exceeding expectations.

— GREEN DOT CORP, Q3 2025 2025 Earnings Call

Added and launched new BaaS partners and drove further improvements and efficiencies in operations.

— GREEN DOT CORP, Q3 2025 2025 Earnings Call

Capitalized on increasing demand for embedded finance and BaaS solutions.

— GREEN DOT CORP, Q3 2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

B2b Services Gross Dollar Volume
35868.0M
+21.6% YoY
Prior year: 29490.0M
dollars
B2b Services Number Of Active Accounts
1.9
+12.5% YoY
Prior year: 1.7
million
Consumer Services Gross Dollar Volume
3637.0M
-8.7% YoY
Prior year: 3983.0M
dollars
Consumer Services Number Of Active Accounts
1.6
-9.0% YoY
Prior year: 1.8
million
Money Movement Number Of Cash Transfers
7.4
-9.6% YoY
Prior year: 8.2
million

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.