Green Dot Corporation

Green Dot Corporation

GDOT · NYSE · Financial Services / Credit Services

11.56USD+0.02 (+0.17%)

Price History

Full chart

Market Stats

Previous Close11.54
Open11.51
Day Range11.50 – 11.67
52-Week Range10.10 – 14.46
Volume305.30K
Market Cap698.07M
P/E (TTM)0.00
Forward P/E23.75
EPS-0.51
Dividend Yield0.00%
Beta0.82
50-Day Avg13.29
200-Day Avg12.59

About

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. The company operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. It provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. The company offers money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, it offers tax processing services consisting of tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Provo, Utah.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. William I. Jacobs J.D.
  • Employees900
  • Headquarters1675 North Freedom Boulevard (200 West), Provo, UT, United States, 84604, USA
  • Websitehttps://www.greendot.com

Leadership

  • Mr. William I. Jacobs J.D.CEO & Chairman of the Board · b. 1942
  • Mr. Chris RuppelPresident & Chief Revenue Officer · b. 1972
  • Mr. Jess UnruhChief Financial Officer · b. 1980
  • Ms. Teresa WatkinsChief Operations Officer · b. 1981
  • Ms. Amy Myers PughGeneral Counsel & Secretary · b. 1971
  • Mr. Dave HardenChief Technology Officer
  • Ms. Alison LubertSenior VP & Head of Corporate Communications
  • Mr. Timothy Wayne WilliSenior Vice President of Finance & Corporate Development
  • Mr. Michael MestonChief Human Resources Officer
  • Mr. Brian SchmidtSenior VP & CEO of Santa Barbara Tax Products Group

Financials

Income Statement

Currency: USD2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue168.13M234.82M364.25M468.31M550.36M577.06M605.62M699.44M726.14M901.12M1.07B1.11B1.25B1.43B1.45B1.50B1.72B2.08B
Growth (%)-+39.67%+55.12%+28.57%+17.52%+4.85%+4.95%+15.49%+3.82%+24.10%+18.25%+4.04%+13.09%+14.31%+1.14%+3.57%+14.82%+20.69%
Cost of Revenue45.84M67.82M127.13M158.97M192.45M217.22M203.41M276.31M276.13M361.50M407.83M399.09M527.63M654.12M725.65M880.78M1.14B1.57B
Gross Profit168.13M234.82M237.12M309.34M357.91M359.85M402.20M423.12M450.01M539.62M657.74M709.51M726.13M779.08M723.91M620.54M580.08M510.15M
Gross Margin100.00%100.00%65.10%66.05%65.03%62.36%66.41%60.49%61.97%59.88%61.73%64.00%57.92%54.36%49.94%41.33%33.65%24.52%
Operating Expense138.95M171.15M167.80M225.89M285.77M310.71M343.21M363.79M386.69M430.32M527.33M586.59M696.06M712.60M629.54M597.88M581.75M454.94M
Operating Income29.18M63.67M69.32M83.45M72.14M49.13M58.99M59.33M63.32M109.30M130.41M122.92M30.07M66.47M94.38M22.67M-1.67M55.21M
Operating Margin17.35%27.11%19.03%17.82%13.11%8.51%9.74%8.48%8.72%12.13%12.24%11.09%2.40%4.64%6.51%1.51%-0.10%2.65%
EBITDA34.25M68.66M77.22M96.34M94.27M79.60M98.76M119.84M124.04M168.04M196.71M203.16M115.44M151.12M174.73M102.61M77.53M140.73M
EBITDA Margin20.37%29.24%21.20%20.57%17.13%13.79%16.31%17.13%17.08%18.65%18.46%18.33%9.21%10.54%12.05%6.83%4.50%6.76%
Net Income17.34M37.16M42.23M52.08M47.22M34.04M42.69M38.41M41.60M85.89M118.70M99.90M23.13M47.48M64.21M6.72M-26.70M-98.87M
Net Income Margin10.31%15.83%11.59%11.12%8.58%5.90%7.05%5.49%5.73%9.53%11.14%9.01%1.84%3.31%4.43%0.45%-1.55%-4.75%
R&D----0000000-------
R&D as % of Total Revenue----0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense247.00K1.00K52.00K346.00K76.00K72.00K1.28M5.94M9.12M5.84M5.05M1.84M761.00K150.00K255.00K3.03M5.51M6.15M
Interest Expense % of Total Revenue0.15%0.00%0.01%0.07%0.01%0.01%0.21%0.85%1.26%0.65%0.47%0.17%0.06%0.01%0.02%0.20%0.32%0.30%

Balance Sheet

Currency: USD2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets97.25M183.11M285.76M425.86M739.56M875.47M1.61B1.69B1.74B2.20B2.29B2.46B4.12B4.73B4.79B4.82B5.43B5.99B
Total Liabilities92.78M111.74M120.63M172.66M411.93M473.23M985.30M1.03B1.06B1.43B1.38B1.53B3.11B3.65B4.01B3.96B4.56B5.09B
Total Equity4.47M71.36M165.13M253.20M327.63M402.25M628.99M663.32M683.73M764.55M909.81M927.36M1.01B1.07B781.48M859.35M873.59M890.25M
Cash39.28M56.30M167.50M225.43M296.59M423.62M724.64M772.13M732.68M919.24M1.09B1.06B1.49B1.32B813.95M682.26M1.59B1.42B
Total Debt--35.10M42.15M50.72M49.93M142.62M121.65M100.69M79.61M58.70M78.76M24.81M15.13M43.41M67.06M59.58M65.47M
Net Debt-39.28M-56.30M-167.50M-183.28M-245.87M-373.69M-582.02M-650.48M-631.99M-839.63M-1.04B-995.22M-1.47B-1.31B-770.53M-615.21M-1.53B-1.36B

Cash Flow

Currency: USD2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow35.01M35.30M83.50M94.05M90.01M122.51M69.22M156.72M114.52M218.31M251.05M189.91M209.18M167.03M277.69M97.52M81.38M138.56M
Investing Cash Flow-5.16M-19.40M-3.21M-50.44M-210.32M-53.40M-187.35M-175.72M-72.00M-223.93M-114.97M-153.85M-785.83M-1.37B-820.19M33.16M81.40M-450.53M
Financing Cash Flow-3.26M-28.62M30.91M14.32M179.68M57.92M419.15M66.49M-75.68M192.19M-50.96M-65.13M1.01B1.03B36.71M-264.02M743.15M141.28M
Capital Expenditure5.12M6.36M13.46M23.08M40.44M35.74M39.34M47.84M43.27M44.14M61.03M78.21M59.03M57.43M84.33M75.94M74.29M72.54M
Free Cash Flow29.89M28.94M70.04M70.97M49.57M86.77M29.88M108.88M71.24M174.17M190.02M111.70M150.14M109.60M193.36M21.58M7.10M66.02M
Dividends Paid----000000-7.23M4.54M-6.18M---
FCF to OCF85.37%81.98%83.88%75.46%55.07%70.82%43.17%69.48%62.21%79.78%75.69%58.82%71.78%65.62%69.63%22.13%8.72%47.65%
Dividend Paid to FCF----0.00%0.00%0.00%0.00%0.00%0.00%-6.47%3.03%-3.19%---

Earnings

Report DateAug 12, 2010Nov 3, 2010Feb 10, 2011Apr 28, 2011Jul 28, 2011Oct 27, 2011Jan 26, 2012Apr 26, 2012Jul 26, 2012Nov 1, 2012Jan 31, 2013Apr 30, 2013Jul 30, 2013Oct 31, 2013Jan 30, 2014Apr 30, 2014Jul 31, 2014Oct 30, 2014Jan 29, 2015May 7, 2015Aug 4, 2015Nov 5, 2015Feb 24, 2016May 4, 2016Aug 4, 2016Nov 9, 2016Feb 22, 2017May 9, 2017Aug 8, 2017Nov 7, 2017Feb 21, 2018May 9, 2018Aug 8, 2018Nov 7, 2018Feb 20, 2019May 8, 2019Aug 7, 2019Nov 7, 2019Feb 19, 2020May 11, 2020Aug 4, 2020Nov 4, 2020Feb 22, 2021May 5, 2021Aug 3, 2021Nov 4, 2021Feb 24, 2022May 5, 2022Aug 4, 2022Nov 9, 2022Feb 23, 2023May 4, 2023Aug 3, 2023Nov 9, 2023Feb 27, 2024May 9, 2024Aug 8, 2024Nov 7, 2024Feb 25, 2025May 8, 2025Aug 11, 2025Nov 10, 2025Mar 12, 2026May 11, 2026Aug 10, 2026Nov 9, 2026
EPS Estimate0.310.250.270.390.360.370.400.450.380.250.210.370.290.210.210.290.250.280.180.620.240.080.030.710.240.170.150.840.400.260.251.290.630.430.501.430.630.020.110.930.320.110.180.870.440.360.310.850.550.360.220.800.360.210.170.730.250.200.350.710.18-0.09-0.020.880.320.01
EPS Actual0.460.270.290.370.370.390.400.420.300.250.270.360.330.240.180.370.410.360.160.860.280.150.060.800.270.210.191.000.550.340.291.400.740.590.561.510.900.200.141.130.430.250.310.830.680.430.271.060.740.440.340.990.370.140.140.590.250.130.401.060.400.06-0.841.120.21-
Surprise48.39%8.00%7.41%-5.13%2.78%5.41%0.00%-6.67%-21.05%0.00%28.57%-2.70%13.79%14.29%-14.29%27.59%64.00%28.57%-11.11%38.71%16.67%87.50%100.00%12.68%12.50%23.53%26.67%19.05%37.50%30.77%16.00%8.53%17.46%37.21%12.00%5.59%42.86%900.00%27.27%21.51%34.38%127.27%72.22%-4.60%54.55%19.44%-12.90%24.71%34.55%22.22%54.55%23.75%2.78%-33.33%-17.65%-19.18%0.00%-35.00%14.88%49.30%122.22%166.67%-4119.00%27.27%-34.38%-
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap698.07M
Enterprise Value-335.94M
Trailing P/E0.00
Forward P/E23.75
PEG Ratio1.23
Price / Sales0.31
Price / Book0.79
EPS-0.51
Book Value16.49
Revenue (TTM)2.29B
Gross Profit (TTM)2.29B
EBITDA170.65M
Profit Margin-1.13%
Operating Margin0.86%
Return on Equity-2.79%
Return on Assets-0.44%
Shares Outstanding56.99M
Shares Float47.55M
Beta0.82
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 5 analystsTarget 16.13
  • Strong Buy
    2
  • Hold
    2
  • Sell
    1

Ownership Breakdown

Institutions
81.59%
Insiders
4.32%
Retail / Other
14.09%

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    3.07M5.38%
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    2.43M4.26%
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    2.29M4.02%
  • Balyasny Asset Management LLC
    2.16M3.79%
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    1.31M2.29%
  • Schonfeld Strategic Advisors LLC
    1.29M2.26%
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    1.25M2.19%
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    1.20M2.10%
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    1.01M1.78%
  • Charles Schwab Investment Management Inc
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    731.22K1.28%
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    715.66K1.26%

Top Fund Holders

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    2.23M3.91%
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  • DFA US Small Cap Value I
    768.62K1.35%