Green Dot Corp - Understand $gdot stock

$GDOT Market Cap: $557.8 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$1.635B

TTM

Gross Margin

Net Earnings

-$55.41M

TTM

Current Assets

$2.219B

Q3 2024

Current Liabilities

$4.306B

Q3 2024

Current Ratio

51.54%

Q3 2024

Total Assets

$5.285B

Q3 2024

Total Liabilities

$4.353B

Q3 2024

Book Value

$932.2M

Q3 2024

Cash

$1.454B

Q3 2024

P/E

-10.07

Nov 29, 2024 EST

Free Cash Flow

-$3.143M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$1.501B	$1.450B	$1.433B	$1.254B	$1.109B	$1.066B	$901.1M	$718.8M	$694.7M	$601.6M	$573.6M	$546.3M	$467.4M	$363.9M	$112.8M	$168.1M	$83.60M	$67.00M
YoY Change	3.57%	1.14%	14.31%	13.09%	4.04%	18.25%	25.37%	3.47%	15.48%	4.87%	5.0%	16.88%	28.45%	222.6%	-32.9%	101.08%	24.78%	69.62%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$1.501B	$1.450B	$1.433B	$1.254B	$1.109B	$1.066B	$901.1M	$718.8M	$694.7M	$601.6M	$573.6M	$546.3M	$467.4M	$363.9M	$112.8M	$168.1M	$83.60M	$67.00M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin	$1.454B	$1.327B	$1.339B	$1.174B	$953.1M	$902.4M	$760.7M	$632.5M	$635.4M	$542.6M	$524.5M	$474.1M	$383.9M	$294.6M	$89.40M	$138.9M	$82.50M	$65.80M
YoY Change	9.56%	-0.86%	14.06%	23.17%	5.62%	18.63%	20.27%	-0.46%	17.1%	3.45%	10.63%	23.5%	30.31%	229.53%	-35.64%	68.36%	25.38%	48.87%
% of Gross Profit
Research & Development	$639.2M	$481.5M	$389.3M	$293.7M	$200.7M	$181.2M	$161.0M	$107.6M	$102.1M	$79.05M	$89.86M	$77.45M	$70.95M	$56.98M
YoY Change	32.77%	23.68%	32.54%	46.36%	10.77%	12.51%	49.7%	5.3%	29.21%	-12.02%	16.03%	9.15%	24.53%
% of Gross Profit
Depreciation & Amortization	$58.70M	$57.10M	$57.02M	$58.01M	$49.49M	$38.58M	$33.47M	$39.46M	$38.51M	$32.45M	$26.97M	$18.13M	$12.33M	$7.588M	$2.300M	$4.400M	$3.500M	$3.500M
YoY Change	2.8%	0.14%	-1.69%	17.21%	28.27%	15.27%	-15.18%	2.47%	18.66%	20.33%	48.76%	47.05%	62.49%	229.91%	-47.73%	25.71%	0.0%
% of Gross Profit
Operating Expenses	$1.479B	$1.355B	$1.367B	$1.224B	$985.7M	$935.2M	$791.8M	$655.5M	$635.4M	$542.6M	$524.5M	$474.1M	$383.9M	$294.6M	$89.40M	$138.9M	$82.50M	$65.80M
YoY Change	9.11%	-0.84%	11.69%	24.15%	5.4%	18.1%	20.81%	3.16%	17.11%	3.45%	10.62%	23.49%	30.34%	229.5%	-35.64%	68.36%	25.38%	48.87%
Operating Profit	$22.67M	$94.38M	$66.47M	$30.07M	$122.9M	$130.4M	$109.3M	$63.32M	$59.33M	$58.99M	$49.13M	$72.14M	$83.45M	$69.32M
YoY Change	-75.98%	41.97%	121.04%	-75.53%	-5.75%	19.32%	72.62%	6.72%	0.58%	20.06%	-31.89%	-13.55%	20.38%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Interest Expense	-$11.03M	-$14.36M	-$2.450M	-$800.0K	-$1.800M	-$6.600M	-$5.800M	-$1.800M	-$1.200M	$2.800M	$3.400M	$4.000M	$600.0K	$300.0K	$100.0K	$400.0K	$100.0K	-$500.0K
YoY Change	-23.18%	485.92%	206.25%	-55.56%	-72.73%	13.79%	222.22%	50.0%	-142.86%	-17.65%	-15.0%	566.67%	100.0%	200.0%	-75.0%	300.0%	-120.0%	150.0%
% of Operating Profit	-48.64%	-15.21%	-3.69%	-2.66%	-1.46%	-5.06%	-5.31%	-2.84%	-2.02%	4.75%	6.92%	5.54%	0.72%	0.43%
Other Income/Expense, Net	-$5.010M	-$10.20M	-$2.624M	-$1.217M	$27.00K	-$1.552M		$0.00	$0.00	$7.100M
YoY Change	-50.88%	288.68%	115.61%	-4607.41%	-101.74%				-100.0%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$14.63M	$83.92M	$63.70M	$28.10M	$121.1M	$123.8M	$103.5M	$61.56M	$58.12M	$68.91M	$52.50M	$76.14M	$84.01M	$69.63M	$23.40M	$29.60M	$1.300M	$600.0K
YoY Change	-82.56%	31.74%	126.73%	-76.8%	-2.21%	19.68%	68.06%	5.92%	-15.65%	31.25%	-31.05%	-9.37%	20.65%	197.57%	-20.95%	2176.92%	116.67%	-112.24%
Income Tax	$7.911M	$19.71M	$16.22M	$4.964M	$21.18M	$5.114M	$17.57M	$19.96M	$19.71M	$26.21M	$18.46M	$28.92M	$31.93M	$27.40M	$9.800M	$12.30M	-$3.300M	$100.0K
% Of Pretax Income	54.06%	23.49%	25.46%	17.67%	17.5%	4.13%	16.98%	32.42%	33.91%	38.04%	35.16%	37.98%	38.01%	39.35%	41.88%	41.55%	-253.85%	16.67%
Net Earnings	$6.722M	$64.21M	$47.48M	$23.13M	$99.90M	$118.7M	$85.89M	$41.60M	$38.42M	$42.69M	$34.04M	$47.22M	$52.08M	$42.23M	$13.70M	$17.30M	$4.600M	$500.0K
YoY Change	-89.53%	35.24%	105.27%	-76.85%	-15.84%	38.21%	106.46%	8.29%	-10.02%	25.42%	-27.91%	-9.34%	23.33%	208.26%	-20.81%	276.09%	820.0%	-110.2%
Net Earnings / Revenue	0.45%	4.43%	3.31%	1.84%	9.01%	11.14%	9.53%	5.79%	5.53%	7.1%	5.93%	8.64%	11.14%	11.61%	12.15%	10.29%	5.5%	0.75%
Basic Earnings Per Share
Diluted Earnings Per Share	$0.13	$1.19	$859.8K	$430.2K	$1.881M	$2.178M	$1.615M	$818.9K	$739.9K	$1.022M	$854.3K	$1.121M	$841.7K	$802.3K	$889.6K	$1.218M	$414.4K	$37.88K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Cash & Short-Term Investments	$716.1M	$813.9M	$1.322B	$1.492B	$1.073B	$1.115B	$931.1M	$779.4M	$821.2M	$771.3M	$539.8M	$411.8M	$246.1M	$167.5M	$56.30M	$39.30M	$39.30M
YoY Change	-12.02%	-38.45%	-11.36%	38.98%	-3.71%	19.72%	19.46%	-5.09%	6.47%	42.89%	31.08%	67.33%	46.93%	197.51%	43.26%	0.0%
Cash & Equivalents	$682.3M	$813.9M	$1.322B	$1.492B	$1.063B	$1.095B	$919.2M	$732.7M	$772.1M	$724.2M	$423.5M	$293.6M	$223.0M	$167.5M	$56.30M	$39.30M	$39.30M
Short-Term Investments	$33.86M			$0.00	$10.00M	$20.00M	$11.90M	$46.70M	$49.10M	$47.10M	$116.3M	$118.2M	$23.00M	$0.00
Other Short-Term Assets	$811.6M	$577.5M	$405.1M	$853.8M	$308.2M	$211.6M	$347.4M	$181.4M	$105.5M	$173.2M	$64.30M	$70.60M	$45.80M	$34.00M	$54.50M	$27.60M	$27.60M
YoY Change	40.56%	42.55%	-52.56%	177.03%	45.65%	-39.09%	91.51%	71.94%	-39.09%	169.36%	-8.92%	54.15%	34.71%	-37.61%	97.46%	0.0%
Inventory
Prepaid Expenses
Receivables	$29.68M	$74.44M	$80.40M	$67.80M	$59.50M	$40.90M	$35.30M	$40.20M	$42.20M	$48.90M	$46.40M	$40.40M	$41.30M	$33.40M	$29.20M	$14.10M	$14.10M
Other Receivables	$80.46M	$0.00	$1.354M	$0.00	$900.0K	$8.800M	$7.400M	$12.50M	$6.400M	$16.30M	$15.60M	$7.400M	$3.400M	$15.00M	$5.400M	$1.100M	$1.100M
Total Short-Term Assets	$1.638B	$1.466B	$1.809B	$2.413B	$1.442B	$1.376B	$1.321B	$1.013B	$975.3M	$1.010B	$666.1M	$530.2M	$336.6M	$249.9M	$145.4M	$82.00M	$82.00M
YoY Change	11.74%	-18.98%	-25.04%	67.36%	4.8%	4.15%	30.37%	3.91%	-3.41%	51.58%	25.63%	57.52%	34.69%	71.87%	77.32%	0.0%
Property, Plant & Equipment	$184.7M	$168.5M	$146.3M	$146.5M	$171.8M	$120.3M	$97.30M	$82.60M	$78.90M	$77.30M	$60.50M	$58.40M	$27.30M	$18.00M	$12.00M	$7.100M	$7.100M
YoY Change	9.6%	15.19%	-0.13%	-14.73%	42.81%	23.64%	17.8%	4.69%	2.07%	27.77%	3.6%	113.92%	51.67%	50.0%	69.01%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$2.313B	$2.446B	$2.177B	$971.0M	$267.4M	$181.2M	$141.6M	$161.7M	$132.4M	$73.80M	$82.60M	$68.50M	$10.60M	$0.00
YoY Change	-5.46%	12.36%	124.2%	263.13%	47.57%	27.97%	-12.43%	22.13%	79.4%	-10.65%	20.58%	546.23%
Other Assets	$230.8M	$242.2M	$106.8M	$71.60M	$36.90M	$37.20M	$36.50M	$25.40M	$24.80M	$29.80M	$22.90M	$19.30M	$25.70M	$15.30M	$24.60M	$8.100M	$8.100M
YoY Change	-4.7%	126.79%	49.17%	94.04%	-0.81%	1.92%	43.7%	2.42%	-16.78%	30.13%	18.65%	-24.9%	67.97%	-37.8%	203.7%	0.0%
Total Long-Term Assets	$3.179B	$3.323B	$2.916B	$1.702B	$1.019B	$911.1M	$876.3M	$726.9M	$716.1M	$604.6M	$209.4M	$195.5M	$89.30M	$35.90M	$37.70M	$15.20M	$15.20M
YoY Change	-4.34%	13.96%	71.36%	67.08%	11.8%	3.97%	20.55%	1.51%	18.44%	188.73%	7.11%	118.92%	148.75%	-4.77%	148.03%	0.0%
Total Assets	$4.817B	$4.789B	$4.725B	$4.115B	$2.461B	$2.287B	$2.198B	$1.740B	$1.691B	$1.614B	$875.5M	$725.7M	$425.9M	$285.8M	$183.1M	$97.20M	$97.20M
YoY Change
Accounts Payable	$119.9M	$113.9M	$51.35M	$34.80M	$37.90M	$38.60M	$34.90M	$22.90M	$37.20M	$36.40M	$34.90M	$31.40M	$15.40M	$17.60M	$9.800M	$4.500M	$4.500M
YoY Change	5.25%	121.78%	47.57%	-8.18%	-1.81%	10.6%	52.4%	-38.44%	2.2%	4.3%	11.15%	103.9%	-12.5%	79.59%	117.78%	0.0%
Accrued Expenses	$94.61M	$101.7M	$135.2M	$153.5M	$116.6M	$134.0M	$123.4M	$102.4M	$87.60M	$79.10M	$35.90M	$29.50M	$16.20M	$21.60M	$13.90M	$9.400M	$9.400M
YoY Change	-7.02%	-24.75%	-11.91%	31.65%	-12.99%	8.59%	20.51%	16.89%	10.75%	120.33%	21.69%	82.1%	-25.0%	55.4%	47.87%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt	$3.294B	$3.450B	$3.287B	$2.735B	$1.176B	$1.007B	$1.024B	$738.6M	$653.2M	$566.6M	$269.5M	$249.2M	$81.10M	$35.10M	$23.40M	$23.60M	$23.60M
YoY Change	-4.54%	4.96%	20.18%	132.66%	16.73%	-1.6%	38.59%	13.07%	15.28%	110.24%	8.15%	207.27%	131.05%	50.0%	-0.85%	0.0%
Long-Term Debt Due	$61.00M					$58.70M	$20.90M	$21.00M	$21.00M	$21.00M
YoY Change						180.86%	-0.48%	0.0%	0.0%
Total Short-Term Liabilities	$3.953B	$3.962B	$3.643B	$3.078B	$1.445B	$1.337B	$1.336B	$960.8M	$888.3M	$830.1M	$438.8M	$379.4M	$161.7M	$111.5M	$104.7M	$63.20M	$63.20M
YoY Change	-0.21%	8.75%	18.37%	112.97%	8.06%	0.1%	39.05%	8.16%	7.01%	89.18%	15.66%	134.63%	45.02%	6.49%	65.66%	0.0%
Long-Term Debt	$0.00	$35.00M	$0.00	$0.00	$35.00M	$0.00	$58.70M	$79.70M	$100.7M	$121.7M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-100.0%			-100.0%		-100.0%	-26.35%	-20.85%	-17.26%
Other Long-Term Liabilities	$4.582M	$11.02M	$11.74M	$20.70M	$35.30M	$30.90M	$30.50M	$12.30M	$37.90M	$31.50M	$34.40M	$18.60M	$6.300M	$3.800M	$2.900M	$700.0K	$700.0K
YoY Change	-58.44%	-6.1%	-43.29%	-41.36%	14.24%	1.31%	147.97%	-67.55%	20.32%	-8.43%	84.95%	195.24%	65.79%	31.03%	314.29%	0.0%
Total Long-Term Liabilities	$4.582M	$46.02M	$11.74M	$20.70M	$70.30M	$30.90M	$89.20M	$92.00M	$138.6M	$153.2M	$34.40M	$18.60M	$6.300M	$3.800M	$2.900M	$700.0K	$700.0K
YoY Change	-90.04%	292.03%	-43.29%	-70.55%	127.51%	-65.36%	-3.04%	-33.62%	-9.53%	345.35%	84.95%	195.24%	65.79%	31.03%	314.29%	0.0%
Total Liabilities	$3.958B	$4.008B	$3.655B	$3.105B	$1.533B	$1.377B	$1.433B	$1.057B	$1.028B	$985.3M	$473.2M	$398.0M	$172.7M	$120.6M	$111.7M	$66.00M	$66.00M
YoY Change	-1.25%	9.66%	17.69%	102.54%	11.32%	-3.89%	35.62%	2.77%	4.34%	108.22%	18.89%	130.46%	43.2%	7.97%	69.24%	0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Basic Shares Outstanding	52.25M shares	53.35M shares	54.07M shares	52.44M shares	52.20M shares	52.22M shares	50.48M shares	49.54M shares	51.33M shares	40.91M shares	35.88M shares	34.50M shares
Diluted Shares Outstanding	52.51M shares	53.87M shares	55.22M shares	53.69M shares	53.14M shares	54.48M shares	53.20M shares	50.80M shares	51.88M shares	41.77M shares	37.16M shares	35.93M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $557.77 Million

About GREEN DOT CORP

Green Dot Corp. is a financial technology and registered bank holding company. The company is headquartered in Austin, Texas and currently employs 1,200 full-time employees. The company went IPO on 2010-07-22. The firm offers a set of financial services to consumers and businesses, including debit, checking, credit, prepaid, and payroll cards, as well as robust money movement services. Its segment includes Consumer Services, Business to Business (B2B) Services, and Money Movement Services. The Consumer Services segment consists of deposit account programs, such as consumer checking accounts, prepaid cards, secured credit cards, and gift cards. The B2B Services segment consists of its partnerships with prominent consumer and technology companies that make its banking products and services available to their consumers, partners and workforce through integration with its banking platform, and a comprehensive payroll platform that it offers to corporate enterprises, to facilitate payments for the workforce. The Money Movement Services segment consists of money processing services and tax refund processing services.

Industry: Finance Services Peers: PROG Holdings, Inc. BREAD FINANCIAL HOLDINGS, INC. AMERICAN EXPRESS CO ENCORE CAPITAL GROUP INC Enova International, Inc. LendingClub Corp NERDWALLET, INC. PRA GROUP INC Upstart Holdings, Inc. WORLD ACCEPTANCE CORP