Slide 1: Q4 2025 Results
Green Dot Corporation - Confidential Q4 2025 Results March 16, 2026
Slide 2: Safe Harbor Statement
Green Dot Corporation Safe Harbor Statement This presentation contains statements that constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as a
Slide 3: Safe Harbor Statement (Continued)
Green Dot Corporation Safe Harbor Statement (Continued) Additional factors which could affect future results of Green Dot can be found in Green Dot’s filings with the Securities and Exchange Commission (the “SEC”), including in Green Dot’s Annual Report on Form 10-K for the year ended December 31, 2
Slide 4: Revenue momentum remains solid with growth of 15%; Led by the B2B segment
Green Dot Corporation Revenue momentum remains solid with growth of 15%; Led by the B2B segment Key Q4 Financial Highlights and Themes Q4 2025 Non-GAAP Results Non-GAAP Revenue1 up 15% Adjusted EBITDA1 declined 68% Non-GAAP EPS1 declined 120% Results came in modestly ahead of our expectations. Year-
Slide 5: Non-GAAP Revenue of $520M increased 15%
Green Dot Corporation Non-GAAP Revenue1 of $520M increased 15% • Consumer Services of $87.6M was down 18%. • B2B Services revenue of $385.6M was up 24%. • Money Movement revenue of $34.4M was up 16%. Adjusted EBITDA1 of $14M was down 68% • The adjusted EBITDA margin of 2.7% was down 701bps. Much of
Slide 6: Active accounts decreased 7%
Green Dot Corporation Active accounts1 decreased 7% • Active accounts were down on a year over year basis, as growth in B2B Services active accounts of 8% was offset by a 21% decline in Consumer Services active accounts. • Within Consumer Services, Retail actives were down 13% after moving past the
Slide 7: Consumer Services Segment
Green Dot Corporation Segment Revenue Consumer Services Segment Segment Profit Active Accounts1 Purchase Volume in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus
Slide 8: B2B Services Segment
Green Dot Corporation Segment Revenue B2B Services Segment Segment Profit Active Accounts1 Purchase Volume in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the
Slide 9: Money Movement Services Segment
Green Dot Corporation Segment Revenue Money Movement Services Segment Segment Profit Cash Transfers Tax Refunds Processed in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects cha
Slide 10: Appendix Segment Information
Appendix Green Dot Corporation10 Segment Information
Slide 11: Reconciliation of Segment Revenues
Green Dot Corporation Reconciliation of Segment Revenues Green Dot's segment reporting is based on how its Chief Operating Decision Maker (“CODM”) manages its businesses, including resource allocation and performance assessment. Its CODM (who is the Chief Executive Officer) organizes and manages the
Slide 12: Reconciliation of Segment Profits
Green Dot Corporation Reconciliation of Segment Profits $ In millions
Slide 13: Appendix Division Information
Appendix Green Dot Corporation13 Division Information
Slide 14: Retail division
Green Dot Corporation Revenue Retail division Gross Dollar Volume Active Accounts1 Purchase Volume in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior ye
Slide 15: Direct division
Green Dot Corporation Revenue Direct division Gross Dollar Volume Active Accounts1 Purchase Volume in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior ye
Slide 16: BaaS division
Green Dot Corporation Revenue BaaS division Gross Dollar Volume Active Accounts1 Purchase Volume in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year
Slide 17: rapid! Paycard division
Green Dot Corporation Revenue rapid! Paycard division Gross Dollar Volume Active Accounts1 Purchase Volume in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the
Slide 18: Money Processing division
Green Dot Corporation Revenue Money Processing division Revenue Generating Transfers-GDOT Issued Cash Transfers to Third Party Accounts in millions, reflects change versus the prior year in millions, reflects change versus the prior year in millions, reflects change versus the prior year Revenue dec
Slide 19: Tax Processing division
Green Dot Corporation Revenue Tax Processing division Tax Refunds Processed in millions, reflects change versus the prior year in millions, reflects change versus the prior year Revenue increased 348% • The Tax Processing division saw revenue increase due to the successful launch of a product for a
Slide 20: Appendix Non-GAAP Financial Measures
Appendix Green Dot Corporation20 Non-GAAP Financial Measures
Slide 21: About Non-GAAP Financial Measures
Green Dot Corporation About Non-GAAP Financial Measures To supplement Green Dot's consolidated financial statements presented in accordance with accounting principles generally accepted in the United States of America ("GAAP"), Green Dot uses measures of operating results that are adjusted for, amon
Slide 22: Non-GAAP Financial Measures
Green Dot Corporation Non-GAAP Financial Measures
Slide 23: Non-GAAP Financial Measures
Green Dot Corporation Non-GAAP Financial Measures
Slide 24: Non-GAAP Financial Measures
Green Dot Corporation Non-GAAP Financial Measures
Slide 25: Non-GAAP Financial Measures
Green Dot Corporation Non-GAAP Financial Measures
Slide 26: Non-GAAP Financial Measures
Green Dot Corporation Non-GAAP Financial Measures 1) To supplement Green Dot’s consolidated financial statements presented in accordance with GAAP, Green Dot uses measures of operating results that are adjusted to exclude various, primarily non-cash, expenses and charges. These financial measures ar
Slide 27: Non-GAAP Financial Measures
Green Dot Corporation Non-GAAP Financial Measures Green Dot understands that, although adjusted EBITDA and other non-GAAP financial measures are frequently used by investors and securities analysts in their evaluations of companies, these measures have limitations as an analytical tool, and you shou
Slide 28: Non-GAAP Financial Measures
Green Dot Corporation Non-GAAP Financial Measures 5) Green Dot excludes certain income and expenses that are not reflective of ongoing operating results. It is difficult to estimate the amount or timing of these items in advance. Although these events are reflected in Green Dot's GAAP financial stat