NYSE$GDOT
Green Dot Corp · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
Green Dot reported its financial results for the second quarter of 2025, showing increased momentum and demand for its Banking as a Service (BaaS) platform, leading to raised annual guidance.
Green Dot Corporation delivered a solid second quarter in 2025, building on previous momentum with significant growth in total operating revenues and adjusted EBITDA. The company's Banking as a Service (BaaS) division showed increasing demand and new partnerships, contributing to an improved financial outlook for the year. Despite a GAAP net loss, non-GAAP metrics demonstrated strong performance, driven by balance sheet optimization and disciplined cost management.
- Total operating revenues increased by 24% year-over-year to $504.176 million in Q2 2025.
- Adjusted EBITDA grew by 34% to $45.425 million, with the adjusted EBITDA margin improving to 9.1%.
- Non-GAAP diluted earnings per share rose by 60% to $0.40.
- The company raised its full-year 2025 guidance for adjusted EBITDA and non-GAAP EPS, citing increasing momentum in BaaS and improved balance sheet performance.
Headline financials
Revenue & EPS history
Green Dot · Revenue · Quarterly
$504M
Forward guidance
Green Dot raised its full-year 2025 financial guidance, expecting non-GAAP total operating revenues between $2.0 billion and $2.1 billion, adjusted EBITDA between $160 million and $170 million, and non-GAAP EPS between $1.28 and $1.42.
Tailwinds
- Increased momentum and demand for Banking as a Service (BaaS) with new and expanding partnerships.
- Improving balance sheet performance expected to drive better results.
- Disciplined cost management contributing to improved profitability.
- Raised full-year guidance for adjusted EBITDA and non-GAAP EPS, indicating confidence in future performance.
- Anticipated contribution from optimizing the earnings power of the balance sheet.
Headwinds
- Current macro-economic environment poses potential risks.
- Effect of inflation and interest rates could impact performance.
- Negative trends within certain business channels are a consideration.
- Investment in strategic initiatives and compliance programs may incur costs.
- Any expenses associated with evaluating strategic alternatives are excluded from non-GAAP measures and outlook.
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 Q2 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
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -1.6% | +0.1% | — | |
| 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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