Green Dot Corporation (GDOT) Q3 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 10 2025
0mins
Should l Buy GDOT?
Source: SeekingAlpha
Adjusted Revenue $2 billion to $2.1 billion, up 21% year-over-year. Growth driven by B2B segment performance and interest income, partially offset by ongoing trends in the Consumer segment.
Adjusted EBITDA $165 million to $175 million, down 17% year-over-year. Decline due to revenue mix, expense management efforts, and certain favorable timing factors.
B2B Segment Revenue Grew over 30% year-over-year. Growth driven by a significant BaaS partner and increases in active accounts and purchase volume.
Money Movement Segment Revenue Flattish year-over-year. Tax Processing business grew, while Money Processing business declined due to lower transaction volumes.
Consumer Segment Revenue Declined in the low double digits year-over-year. Decline driven by ongoing trends in the retail channel and pressures in the direct channel.
Corporate Segment Revenue Grew sharply year-over-year. Growth driven by rate cuts in the second half of last year and optimization of the balance sheet.
Tax Processing Business Margin Expanded considerably year-over-year. Improvement due to better-than-expected loss rate on taxpayer advance program.
Money Processing Business Margin Up approximately 300 basis points year-over-year. Improvement due to a shift away from low-revenue transactions.
Consumer Segment Margin Down over 400 basis points year-over-year. Decline due to revenue mix and high-margin revenue from a program in runoff no longer contributing.
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Analyst Views on GDOT
Wall Street analysts forecast GDOT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for GDOT is 14.25 USD with a low forecast of 14.25 USD and a high forecast of 14.25 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 11.920
Low
14.25
Averages
14.25
High
14.25
Current: 11.920
Low
14.25
Averages
14.25
High
14.25
About GDOT
Green Dot Corporation is a financial technology and bank holding company. The Company 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.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Legal Support Advocacy: Halper Sadeh LLC offers no upfront fee legal consultations aimed at assisting affected shareholders in protecting their rights, demonstrating a commitment to investor rights and protection.
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- Legal Consultation Opportunities: Scott+Scott encourages Green Dot shareholders to explore their legal rights, potentially influencing future shareholder engagement and corporate governance structures.
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