Revenue: As of FY2025, the actual value is USD 2.08 B.EPS: As of FY2025, the actual value is USD -1.79, missing the estimate of USD -1.24.EBIT: As of FY2025, the actual value is USD 19.81 M.<h3>Consolidated Financial Results and Trends</h3><ul><li>Total Operating Revenues increased to $2,080,491 thousand in 2025 from $1,723,876 thousand in 2024, representing a 20.7% increase.</li><li>Total Operating Expenses increased to $2,066,832 thousand in 2025 from $1,725,544 thousand in 2024, representing a 19.8% increase.</li><li>Net Loss increased to - $98,866 thousand in 2025 from - $26,702 thousand in 2024, representing a 270.3% increase.</li><li>Gross Dollar Volume increased to $155,828 million in 2025 from $131,640 million in 2024, an 18.4% increase.</li><li>Number of Active Accounts decreased to 3.42 million in 2025 from 3.67 million in 2024, a -6.8% change.</li><li>Purchase Volume decreased to $19,545 million in 2025 from $20,325 million in 2024, a -3.8% change.</li><li>Number of Cash Transfers decreased to 29.85 million in 2025 from 32.28 million in 2024, a -7.5% change.</li><li>Number of Tax Refunds Processed decreased to 12.02 million in 2025 from 13.82 million in 2024, a -13.0% change.</li><li>Other Expense, Net totaled - $104,779 thousand in 2025, an increase of - $89,414 thousand (582%) from - $15,365 thousand in 2024, primarily due to equity method losses associated with TailFin, including a $70 million incentive payment, and a realized loss of $24.8 million from selling available-for-sale securities.</li><li>Restructuring and Other Charges totaled $22,125 thousand in 2025, primarily related to employee severance, benefits, and lease termination costs from exiting China operations.</li><li>Income Tax Expense decreased to $1,594 thousand in 2025 from $4,163 thousand in 2024, a 62% decrease, mainly due to an increased pre-tax loss.</li></ul><h3>Segment Results</h3><h4>B2B Services</h4><ul><li>Segment Revenues increased to $1,440,443 thousand in 2025 from $1,081,804 thousand in 2024, a 33.2% increase.</li><li>Segment Expenses increased to $1,327,919 thousand in 2025 from $989,430 thousand in 2024, a 34.2% increase.</li><li>Segment Profit increased to $112,524 thousand in 2025 from $92,374 thousand in 2024, a 21.8% increase.</li><li>Gross Dollar Volume increased to $140,425 million in 2025 from $115,083 million in 2024, a 22.0% increase.</li><li>Number of Active Accounts increased to 1.93 million in 2025 from 1.79 million in 2024, a 7.8% increase.</li><li>Purchase Volume increased to $8,027 million in 2025 from $7,964 million in 2024, a 0.8% increase.</li></ul><h4>Consumer Services</h4><ul><li>Segment Revenues decreased to $364,314 thousand in 2025 from $402,462 thousand in 2024, a -9.5% decrease.</li><li>Segment Expenses decreased to $233,643 thousand in 2025 from $240,562 thousand in 2024, a -2.9% decrease.</li><li>Segment Profit decreased to $130,671 thousand in 2025 from $161,900 thousand in 2024, a -19.3% decrease.</li><li>Gross Dollar Volume decreased to $15,403 million in 2025 from $16,557 million in 2024, a -7.0% decrease.</li><li>Number of Active Accounts decreased to 1.49 million in 2025 from 1.88 million in 2024, a -20.7% decrease.</li><li>Direct Deposit Active Accounts decreased to 0.39 million in 2025 from 0.43 million in 2024, a -9.3% decrease.</li><li>Purchase Volume decreased to $11,518 million in 2025 from $12,361 million in 2024, a -6.8% decrease.</li></ul><h4>Money Movement Services</h4><ul><li>Segment Revenues increased to $225,268 thousand in 2025 from $217,657 thousand in 2024, a 3.5% increase.</li><li>Segment Expenses increased to $96,736 thousand in 2025 from $95,075 thousand in 2024, a 1.7% increase.</li><li>Segment Profit increased to $128,532 thousand in 2025 from $122,582 thousand in 2024, a 4.9% increase.</li><li>Number of Cash Transfers decreased to 29.85 million in 2025 from 32.28 million in 2024, a -7.5% decrease.</li><li>Number of Tax Refunds Processed decreased to 12.02 million in 2025 from 13.82 million in 2024, a -13.0% decrease.</li></ul><h4>Corporate and Other</h4><ul><li>Unallocated Revenue and Inter-segment Eliminations increased to $38,679 thousand in 2025 from $5,792 thousand in 2024, a 567.8% increase, driven primarily by a 43% increase in net interest income.</li><li>Unallocated Corporate Expenses and Inter-segment Eliminations increased to $236,841 thousand in 2025 from $217,262 thousand in 2024, a 9.0% increase.</li><li>Net Impact for Corporate and Other was - $198,162 thousand in 2025, compared to - $211,470 thousand in 2024, a -6.3% change.</li></ul><h3>Capital Requirements for Green Dot Corporation (BHC)</h3><ul><li>Tier 1 Leverage Ratio was 11.9% in 2025 (Regulatory Minimum: 4.0%) compared to 15.0% in 2024.</li><li>Common Equity Tier 1 Capital Ratio was 32.9% in 2025 (Regulatory Minimum: 4.5%) compared to 42.6% in 2024.</li><li>Tier 1 Capital Ratio was 32.9% in 2025 (Regulatory Minimum: 6.0%) compared to 42.6% in 2024.</li><li>Total Risk-Based Capital Ratio was 34.1% in 2025 (Regulatory Minimum: 8.0%) compared to 43.8% in 2024.</li></ul><h3>Capital Requirements for Green Dot Bank</h3><ul><li>Tier 1 Leverage Ratio was 8.4% in 2025 (Regulatory Minimum: 4.0%, Well-capitalized: 5.0%) compared to 7.3% in 2024.</li><li>Common Equity Tier 1 Capital Ratio was 29.7% in 2025 (Regulatory Minimum: 4.5%, Well-capitalized: 6.5%) compared to 28.2% in 2024.</li><li>Tier 1 Capital Ratio was 29.7% in 2025 (Regulatory Minimum: 6.0%, Well-capitalized: 8.0%) compared to 28.2% in 2024.</li><li>Total Risk-Based Capital Ratio was 30.3% in 2025 (Regulatory Minimum: 8.0%, Well-capitalized: 10.0%) compared to 28.8% in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities was $138,557 thousand in 2025 compared to $81,383 thousand in 2024.</li><li>Net Cash Used in Investing Activities was - $450,533 thousand in 2025 compared to $81,402 thousand provided in 2024.</li><li>Net Cash Provided by Financing Activities was $141,275 thousand in 2025 compared to $743,148 thousand in 2024.</li><li>Net Decrease in Unrestricted Cash, Cash Equivalents and Restricted Cash was - $170,701 thousand in 2025 compared to $905,933 thousand in 2024.</li></ul><h3>Outlook / Guidance</h3>Green Dot Corporation anticipates its core results of operations to stabilize on a full-year basis in 2026, excluding impacts from proposed transactions and non-operating items, driven by planned initiatives and cost-reduction measures. The company intends to continue growth-oriented investments in B2B Services, Money Movement, and its Arc platform, alongside strategic marketing for GO2bank, while realizing benefits from cost efficiencies. These investments are expected to help reduce fraud losses and scale compliance programs for future business growth, despite current macro-economic uncertainties and increased expenses for regulatory compliance and proposed transactions.

Green Dot | 10-K: FY2025 Revenue: USD 2.08 B