Filing Flows › Green DOT (GDOT) › Q3 2025
Green DOT (GDOT) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 10, 2025
Green DOT (GDOT) reported revenue of $495M for the third quarter 2025 (Q3 2025), +21% from a year earlier and -2% from the quarter before. Operating margin was -6.6%, net loss $30.8M (6.2% of revenue).
Green DOT, Q3 2025: revenue $495M (+21% year over year), operating margin -6.6%, net loss $30.8M, operating cash flow $23.3M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $495M | -2% | +21% |
| Operating profit | −$32.8M | -345% | — |
| Net earnings | −$30.8M | — | — |
| Operating cash flow | $23.3M | -66% | — |
| Free cash flow | $3.5M | -93% | — |
What changed
Revenue was $494.8M in Q3 2025, up 21% year over year and down 2% from the previous quarter. Card revenues and other fees was the largest line at 79% of revenue. Card revenues and other fees added $82.7M year over year (up 27%), 97% of the total change. Interchange revenues declined 6%.
Operating costs exceeded revenue by $32.8M, an operating margin of -6.6%. Total costs grew 28% against revenue growth of 21%. The fastest-growing cost line was Other operating costs (+33%). The quarter ended with a net loss of $30.8M, narrower than the previous quarter's $47.0M loss.
Operating cash flow was $23.3M. Non-cash charges added back $16.3M of depreciation and amortization and $5.3M of share-based compensation. Working capital and other items added $32.6M. Capital expenditures of $19.8M left free cash flow of $3.5M.
Questions
What was Green DOT's revenue in the third quarter 2025?
Green DOT (GDOT) reported revenue of $495M for the third quarter 2025 (Q3 2025), +21% from a year earlier and -2% from the quarter before.
Was Green DOT profitable in the third quarter 2025?
Operating loss was $32.8M (-6.6% of revenue) and net loss $30.8M.
Source: Green DOT 10-Q on SEC EDGAR.