NYSE$GDOT
Green Dot Corp · Q3 2025 earnings
Q3 2025 earnings · · After market close · Investor relations
Briefing
Green Dot reported a net loss and lower adjusted EBITDA in Q3 2025 despite strong revenue growth, driven by momentum in embedded finance and improved trends in the Consumer segment.
Green Dot delivered Q3 2025 results above expectations with 21% revenue growth, though profitability was impacted by restructuring costs and increased investment in operations.
- Total operating revenues reached $494.8 million, up from $409.7 million last year.
- The company posted a GAAP net loss of $30.8 million, significantly wider than the $7.8 million loss in Q3 2024.
- Adjusted EBITDA decreased to $23.6 million from $28.3 million in Q3 2024.
- Green Dot raised its full-year guidance for adjusted EBITDA and non-GAAP EPS, reflecting confidence in operational execution.
Headline financials
Revenue & EPS history
Green Dot · Revenue · Quarterly
$495M
Forward guidance
Green Dot raised its full-year 2025 guidance ranges for adjusted EBITDA and non-GAAP EPS, citing confidence in execution and strong partner momentum.
Tailwinds
- FY25 non-GAAP total operating revenue now expected between $2.0B and $2.1B.
- Adjusted EBITDA guidance raised to $165M–$175M, up from $160M–$170M.
- Non-GAAP EPS guidance lifted to $1.31–$1.44.
- Continued growth in embedded finance and new BaaS partner launches.
- Operational efficiency improvements supporting margin expansion.
Headwinds
- GAAP net loss projected between $65.2M and $72.8M for FY25.
- Ongoing impact of restructuring and strategic exit costs (e.g., China shutdown).
- Reduced profitability in Consumer Services compared to last year.
- Lower adjusted EBITDA margin of 4.8% in Q3 2025, down from 7.0% in Q3 2024.
- Higher legal and severance expenses impacting quarterly results.
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 Q3 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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