Q2 25 EPS
$0.40
BEAT +122.22%
Est. $0.18
Q2 25 Revenue
$504.2M
BEAT +2.77%
Est. $490.6M
vs S&P Since Q2 25
-5.5%
TRAILING MARKET
GDOT +11.4% vs S&P +16.9%
Market Reaction
Did GDOT Beat Earnings? Q2 2025 Results
Green Dot delivered a standout second quarter, posting non-GAAP EPS of $0.40 against a consensus estimate of $0.18, a beat of 122.22%, while revenue of $504.18 million cleared the $490.57 million estimate by 2.77% and grew 23.8% year over year. The d… Read more Green Dot delivered a standout second quarter, posting non-GAAP EPS of $0.40 against a consensus estimate of $0.18, a beat of 122.22%, while revenue of $504.18 million cleared the $490.57 million estimate by 2.77% and grew 23.8% year over year. The driving force behind the quarter was the company's B2B Services segment, which generated $348.65 million in revenue, up 38% from $252.06 million a year ago, fueled by growth from existing banking-as-a-service partners and newly announced relationships with Samsung and Credit Sesame on its Arc embedded finance platform. Gross dollar volume across the platform climbed to $38.55 billion from $32.13 billion, underscoring the scale of that momentum. On a GAAP basis, Green Dot recorded a net loss of $47.02 million, wider than the prior-year loss of $28.71 million, largely due to equity method investment losses and net other expenses. Management responded to the operational strength by raising full-year adjusted EBITDA guidance to $160 million to $170 million and lifting non-GAAP EPS guidance to $1.28 to $1.42, reflecting confidence in sustained B2B-driven growth.
Key Takeaways
- • B2B Services segment revenue grew 38% YoY driven by growth from existing BaaS partners
- • Non-GAAP revenue up 24% and adjusted EBITDA up 34% driven by balance sheet optimization, growth from existing partners, and disciplined cost management
- • Net interest income nearly doubled YoY to $21.5 million from $14.7 million
- • Consolidated gross dollar volume rose 20% to $38.5 billion from $32.1 billion
- • Adjusted EBITDA margin expanded to 9.1% from 8.4%
GDOT YoY Financials
Q2 2025 vs Q2 2024, source: SEC Filings
GDOT Revenue by Segment
With YoY comparisons, source: SEC Filings
“It was another solid quarter as we built on the momentum of the last several quarters, launched a new partnership with Samsung and announced an exciting new partnership with Credit Sesame.”
— William Jacobs, Q2 2025 Earnings Press Release
GDOT Earnings Trends
GDOT vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
GDOT EPS Trend
Earnings per share: estimate vs actual
GDOT Revenue Trend
Quarterly revenue: estimate vs actual
GDOT Quarterly Results
7 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q2 26 BEAT | $0.88 | $1.12 | +26.80% | $656.2M | +9.85% |
| Q1 26 BEAT | $0.88 | $1.12 | +26.80% | $656.2M | +9.85% |
| Q4 25 BEAT FY | $-0.10 | $-0.08 | +20.00% | $522.6M | +2.86% |
| FY Full Year | — | $1.41 | — | $2.08B | — |
| Q3 25 BEAT | $-0.09 | $0.06 | +166.67% | $494.8M | +2.27% |
| Q2 25 BEAT | $0.18 | $0.40 | +122.22% | $504.2M | +2.77% |
| Q1 25 BEAT | $0.71 | $1.06 | +50.01% | $558.9M | +11.07% |
| Q4 24 BEAT FY | $0.35 | $0.40 | +14.88% | $455.0M | +7.86% |
| FY Full Year | — | $1.37 | — | $1.72B | — |