Q4 25 EPS
$-0.08
BEAT +20.00%
Est. $-0.10
Q4 25 Revenue
$522.6M
BEAT +2.86%
Est. $508.1M
vs S&P Since Q4 25
+12.5%
BEATING MARKET
GDOT +24.5% vs S&P +12.0%
Full Year 2025 Results
FY 25 EPS
$1.41
FY 25 Revenue
$2.08B
Market Reaction
Did GDOT Beat Earnings? Q4 2025 Results
Green Dot posted a better-than-expected fourth quarter, reporting a non-GAAP loss per share of $0.08 against a consensus estimate of $0.10, a 20.00% beat, while revenue of $522.62 million cleared the $508.09 million estimate by 2.86% and grew 14.8% y… Read more Green Dot posted a better-than-expected fourth quarter, reporting a non-GAAP loss per share of $0.08 against a consensus estimate of $0.10, a 20.00% beat, while revenue of $522.62 million cleared the $508.09 million estimate by 2.86% and grew 14.8% year over year. The headline numbers, however, masked significant underlying pressure: GAAP net loss widened to $46.82 million compared to net income of $5.10 million a year ago, as elevated transaction and acquisition costs, restructuring charges tied to the closure of China operations, and higher operating expenses weighed heavily on the bottom line. The primary bright spot was the B2B Services segment, where revenue surged 24% to $385.58 million, driven by a significant BaaS partner and broad portfolio expansion, even as BaaS active account growth of 21% came with margin compression. The quarter arrived amid the backdrop of a pending dual-track acquisition announced in late 2025, with Smith Ventures set to acquire the non-bank fintech business and CommerceOne Financial to acquire Green Dot Bank, leaving the company without an earnings call or forward guidance.
Key Takeaways
- • Strong BaaS revenue growth driven by a significant BaaS partner and new partner launches
- • Tax Processing business launch of a significant new franchise partner
- • Optimized investment mix at Green Dot Bank improving yields from interest rate cuts
- • Improved spread between yields earned on cash/investments and partner interest sharing
- • Disciplined expense management and operational efficiency improvements
GDOT YoY Financials
Q4 2025 vs Q4 2024, source: SEC Filings
GDOT Revenue by Segment
With YoY comparisons, source: SEC Filings
“Green Dot delivered a strong fourth quarter and its first year of adjusted EBITDA growth since 2022, a testament to the hard work, focus and ingenuity of our teams.”
— William Jacobs, Q4 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 | — |