Green Dot market cap is $2.6 b, and annual revenue was $1.25 b in FY 2020

Green Dot Net income (FY, 2020)23.1 M

Green Dot EBIT (FY, 2020)30.1 M

Green Dot Cash, 31-Dec-20201.5 B

Green Dot EV1.1 B

Green Dot revenue breakdown by business segment: 74.0% from Account Services and 26.0% from Processing and Settlement Services

USD | FY, 2017 | FY, 2018 | FY, 2019 | FY, 2020 |
---|---|---|---|---|

## Revenue | 890.2m | 1.0b | 1.1b | 1.3b |

| 24% | 17% | 6% | |

## Sales and marketing expense | 280.6m | 326.3m | 386.8m | 415.1m |

## R&D expense | 293.7m | |||

## General and administrative expense | 155.6m | 206.0m | 199.8m | 281.7m |

## Operating expense total | 791.8m | 935.2m | 985.7m | 990.5m |

## EBIT | 98.3m | 106.6m | 122.9m | 30.1m |

| 11% | 10% | 11% | 2% |

## Interest expense | 6.1m | 6.5m | 1.8m | |

## Interest income | 11.2m | 23.7m | ||

## Pre tax profit | 103.5m | 123.8m | 121.1m | 28.1m |

## Income tax expense | 17.6m | 5.1m | 21.2m | 5.0m |

## Net Income | 85.9m | 118.7m | 99.9m | 23.1m |

## EPS | 1.6 | 2.2 | 1.9 |

USD | Q1, 2018 | Q2, 2018 | Q3, 2018 | Q1, 2019 | Q2, 2019 | Q3, 2019 | Q1, 2020 | Q2, 2020 | Q3, 2020 |
---|---|---|---|---|---|---|---|---|---|

## Revenue | 315.0m | 258.3m | 230.6m | 340.5m | 278.3m | 240.4m | 362.2m | 316.2m | 291.1m |

## Sales and marketing expense | 92.0m | 82.5m | 72.7m | 98.7m | 87.4m | 98.4m | 116.7m | 106.8m | 96.2m |

## General and administrative expense | 43.7m | 47.8m | 62.2m | 47.3m | 49.4m | 48.6m | 62.4m | 73.8m | 62.3m |

## Operating expense total | 238.6m | 231.2m | 235.7m | 259.1m | 234.4m | 242.6m | 303.3m | 310.9m | 293.7m |

## EBIT | 76.4m | 27.2m | (5.1m) | 81.4m | 44.0m | (2.2m) | 58.8m | 5.4m | (2.6m) |

| 24% | 11% | (2%) | 24% | 16% | (1%) | 16% | 2% | (1%) |

## Interest expense | 1.5m | 1.6m | 1.4m | 1.5m | 165.0k | 112.0k | 49.0k | 443.0k | 39.0k |

## Interest income | 5.6m | 5.8m | 6.2m | ||||||

## Pre tax profit | 80.5m | 31.3m | (320.0k) | 79.9m | 43.8m | (2.3m) | 58.8m | 7.1m | (4.3m) |

## Income tax expense | 10.4m | 1.5m | (4.9m) | 15.9m | 9.1m | (1.8m) | 12.0m | 3.8m | (1.3m) |

## Net Income | 70.0m | 29.8m | 4.6m | 64.0m | 34.7m | (531.0k) | 46.8m | 3.3m | (3.0m) |

## EPS | 1.3 | 0.6 | 0.1 | 1.2 | 0.6 | 0.0 | 0.9 | 0.1 | (0.1) |

USD | FY, 2017 | FY, 2018 | FY, 2019 | FY, 2020 |
---|---|---|---|---|

## Cash | 919.2m | 1.1b | 1.1b | 1.5b |

## Accounts Receivable | 35.3m | 40.9m | 59.5m | 67.8m |

## Prepaid Expenses | 47.1m | 57.1m | 66.2m | 66.7m |

## Current Assets | 1.3b | 1.4b | 1.4b | 2.4b |

## PP&E | 97.3m | 120.3m | 145.5m | 133.4m |

## Goodwill | 582.4m | 551.1m | 521.0m | 491.8m |

## Total Assets | 2.2b | 2.3b | 2.5b | 4.1b |

## Accounts Payable | 34.9m | 38.6m | 37.9m | 34.8m |

## Short-term debt | 1.0b | 1.1b | 1.2b | 8.2m |

## Current Liabilities | 1.3b | 1.3b | 1.5b | 3.1b |

## Long-term debt | 58.7m | 24.4m | 16.4m | |

## Total Debt | 1.1b | 1.1b | 1.2b | 24.6m |

## Total Liabilities | 1.4b | 1.4b | 1.5b | 3.1b |

## Common Stock | 51.0k | 53.0k | 52.0k | 54.0k |

## Additional Paid-in Capital | 354.8m | 380.8m | 296.2m | 354.5m |

## Retained Earnings | 410.4m | 529.1m | 629.0m | 651.9m |

## Total Equity | 764.6m | 909.8m | 927.4m | 1.0b |

## Debt to Equity Ratio | 1.4 x | 1.2 x | 1.3 x | |

## Debt to Assets Ratio | 0.5 x | 0.5 x | 0.5 x | |

## Financial Leverage | 2.9 x | 2.5 x | 2.7 x | 4.1 x |

USD | FY, 2017 | FY, 2018 | FY, 2019 | FY, 2020 |
---|---|---|---|---|

## Net Income | 85.9m | 118.7m | 99.9m | 23.1m |

## Depreciation and Amortization | 64.6m | 71.3m | 82.1m | 58.0m |

## Accounts Receivable | (68.4m) | (85.5m) | (105.1m) | (16.2m) |

## Accounts Payable | 28.0m | 12.5m | (8.1m) | 37.6m |

## Cash From Operating Activities | 218.3m | 251.1m | 189.9m | 209.2m |

## Purchases of PP&E | (44.1m) | (61.0m) | (78.2m) | (59.0m) |

## Cash From Investing Activities | (223.9m) | (115.0m) | (153.9m) | (785.8m) |

## Long-term Borrowings | (377.5m) | (39.2m) | (60.0m) | (135.0m) |

## Cash From Financing Activities | 192.2m | (51.0m) | (65.1m) | 1.0b |

## Net Change in Cash | 186.6m | 85.1m | (29.1m) | 430.5m |

## Interest Paid | 4.5m | 4.9m | 2.5m | 926.0k |

## Income Taxes Paid | 9.6m | 6.2m | 1.9m | 10.6m |

USD | Q1, 2018 | Q2, 2018 | Q3, 2018 | Q1, 2019 | Q2, 2019 | Q3, 2019 | Q1, 2020 | Q2, 2020 | Q3, 2020 |
---|---|---|---|---|---|---|---|---|---|

## Net Income | 70.0m | 99.9m | 104.4m | 64.0m | 98.7m | 98.2m | 46.8m | 50.1m | 47.1m |

## Depreciation and Amortization | 17.2m | 34.6m | 52.7m | 19.1m | 39.4m | 60.5m | 21.0m | 42.4m | 64.2m |

## Accounts Receivable | (12.6m) | (31.4m) | (55.5m) | (16.7m) | (32.7m) | (58.7m) | (3.4m) | 8.6m | 8.6m |

## Accounts Payable | (18.9m) | (16.4m) | (13.3m) | (10.2m) | (31.2m) | (20.1m) | 9.9m | 13.7m | 19.5m |

## Cash From Operating Activities | 88.9m | 167.7m | 214.3m | 115.4m | 167.1m | 204.7m | 104.1m | 161.5m | 198.9m |

## Purchases of PP&E | (13.4m) | (27.4m) | (43.4m) | (19.3m) | (37.7m) | (58.2m) | (15.7m) | (31.4m) | (43.9m) |

## Cash From Investing Activities | (10.5m) | (70.4m) | (121.1m) | (40.3m) | (78.8m) | (100.1m) | (73.9m) | (24.7m) | (105.9m) |

## Long-term Borrowings | (5.6m) | (11.2m) | (22.3m) | (60.0m) | (60.0m) | (60.0m) | (35.0m) | (135.0m) | (135.0m) |

## Cash From Financing Activities | 266.3m | 11.3m | (65.2m) | 510.5m | (82.9m) | (335.4m) | 469.9m | 734.5m | 983.0m |

## Net Change in Cash | 344.7m | 108.6m | 28.1m | 585.6m | 5.4m | (230.8m) | 500.2m | 871.3m | 1.1b |

## Interest Paid | 1.1m | 2.3m | 3.3m | 1.1m | 1.6m | 2.0m | 283.0k | 759.0k | 839.0k |

## Income Taxes Paid | 80.0k | 4.3m | 4.3m | 38.0k | 3.7m | 34.0k | 5.5m |

USD | FY, 2017 |
---|---|

## Revenue/Employee | 772.7k |

## Debt/Equity | 1.4 x |

## Debt/Assets | 0.5 x |

## Financial Leverage | 2.9 x |

Green Dot's Total Loans was reported to be $20.4m in Q3, 2020. Green Dot's Enterprise Customers was reported to be 2.5 k in Q3, 2019. Green Dot's Total Deposits was reported to be $2.3b in Q3, 2020.