NYSE$GDOT

Green Dot Corp · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Green Dot reported Q1 2025 operating revenues of $558.9M with net income of $25.8M and diluted EPS of $0.47.

Operating revenues rose to $558.9 million on BaaS and money movement volumes. Net income was $25.8 million; diluted EPS was $0.47. Partner bank programs and prepaid card distribution support fintech infrastructure scale.

  • Q1 operating revenues $558.9M.
  • Net income $25.8M; diluted EPS $0.47.
  • BaaS platform and disbursement volumes.
  • Partner concentration and regulatory compliance costs.

Headline financials

Total Revenue

$559M

Previous: $452M+23.6%
EPS (adj)

$0.47

Previous: $0.09+422.2%
Gross Dollar Volume

$37.3B

No prior period
Number of Active Accounts

3.6M

No prior period
Purchase Volume

$5.11B

No prior period
Consumer Services GDV

$4.24B

No prior period
Consumer Services Active Accts

1.8M

No prior period
Consumer Services DD Accts

410.0K

No prior period
Consumer Services Purchase Vol

$3.13B

No prior period
B2B Services GDV

$33B

No prior period
B2B Services Active Accts

1.8M

No prior period
B2B Services Purchase Vol

$1.99B

No prior period
Cash Transfers

7.5M

No prior period
Tax Refunds Processed

8.0M

No prior period
Adjusted EBITDA

$90.6M

No prior period
Adjusted EBITDA Margin

16.3%

No prior period
Cash at Holding Company

$142M

No prior period
Capital Expenditures

-$19.4M

Previous: -$14.5M-34.0%
Net Income

$25.8M

Previous: $4.75M+442.6%
Operating Income

$60.7M

Previous: $10.6M+475.6%
Gross Profit

$187M

Previous: $447M-58.2%

Revenue & EPS history

Green Dot · Revenue · Quarterly

$559M

Q1 2025+23.6%vs Q1 2024
Beat estimate in 13 of 15 quarters(87%)
ActualEstimate

Forward guidance

Fintech and software outlook tied to user growth, take rates, and operating leverage.

Tailwinds

  • Platform scale and subscription or GMV growth.
  • AI and product expansion opportunities.

Headwinds

  • Credit losses or competitive pricing pressure.
  • Macro sensitivity for SMB and consumer spend.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

-0.7%

Avg return

Earnings day

-1.1%

Avg return

5 days after

-0.6%

Avg return

30 days after

48%

31 / 64 earnings

Positive

+34.8%

Q2 2025

Best reaction

-40.8%

Q2 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.6%+0.1%+2.0%
Q4 2025-6.0%-0.4%+2.8%
Q3 2025-3.7%-8.3%+14.9%
Q2 2025+34.8%+33.7%+37.1%
Q1 2025+25.0%+16.1%+10.1%
Q4 2024-6.4%-13.1%+2.3%
Q3 2024-17.9%-14.2%-20.8%
Q2 2024+15.8%+22.1%+21.7%
Q1 2024+3.0%+10.7%+6.1%
Q4 2023-0.8%-4.2%+11.2%
Q3 2023-35.5%-32.9%-23.4%
Q2 2023-14.4%-15.6%-21.9%
Q1 2023+14.9%+5.3%+15.2%
Q4 2022-0.3%+6.6%-9.2%
Q3 2022-3.1%+4.2%-0.5%
Q2 2022-14.3%-17.9%-30.0%
Q1 2022-7.7%-14.0%-0.6%
Q4 2021-10.1%-7.8%-6.9%
Q3 2021+0.8%+0.7%-21.1%
Q2 2021-0.3%+4.8%+18.8%
Q1 2021-0.9%-4.9%-7.5%
Q4 2020-4.9%-9.7%-9.6%
Q3 2020-3.1%-2.6%-1.0%
Q2 2020+7.0%+1.2%+0.5%
Q1 2020+10.6%+6.3%+22.2%
Q4 2019+8.8%+6.5%-45.4%
Q3 2019-16.6%-11.8%-15.0%
Q2 2019-40.8%-39.9%-39.5%
Q1 2019-26.2%-25.6%-21.3%
Q4 2018-10.2%-13.6%-21.4%
Q3 2018+15.4%-0.9%-1.8%
Q2 2018+3.4%+2.0%+5.8%
Q1 2018+15.3%+15.6%+20.7%
Q4 2017+9.0%+9.3%+7.0%
Q3 2017+12.9%+12.1%+6.0%
Q2 2017+15.4%+12.8%+19.5%
Q1 2017+4.0%+4.5%+14.0%
Q4 2016+7.0%+10.9%+21.4%
Q3 2016+1.8%+7.6%+15.9%
Q2 2016+2.6%+2.5%-0.7%
Q1 2016+1.5%
Q4 2015+6.7%
Q3 2015-8.5%
Q2 2015-7.2%
Q1 2015-8.9%
Q4 2014-22.6%
Q3 2014-1.9%
Q2 2014+3.1%
Q1 2014+5.8%
Q4 2013+3.1%
Q3 2013+3.4%
Q2 2013-1.1%
Q1 2013-2.7%
Q4 2012+6.2%
Q3 2012+0.5%
Q2 2012+0.9%
Q1 2012-4.8%
Q4 2011+2.4%
Q3 2011-3.2%
Q2 2011+10.3%
Q1 2011+2.5%
Q4 2010-8.1%
Q3 2010-2.4%
Q2 2010-4.4%
Q1 2010

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