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Green Dot Corporation: Business Overview, Financials & Competitive Analysis

Green Dot Corporation scores 5/10 on the AskCyborg Cyborg Score (Mixed). Growth-stage fintech with strong revenue momentum facing near-term profitability headwinds amid transformational M&A transition. Green Dot reported negative EPS of -$0.86 for the past 12 months and is currently undergoing a significant strategic restructuring. However, the company achieved 23.12% year-over-year revenue growth as of Q1 2026, demonstrating underlying business.

What is Green Dot Corporation's industry? Green Dot Corporation (greendot.com) operates in Financial Technology (FinTech) & Banking-as-a-Service. AskCyborg classifies Green Dot Corporation under Financial Technology (FinTech) & Banking-as-a-Service in its company registry.

Green Dot Corporation is a financial technology company that provides financial services for consumers in the United States without good banking options. The company generated $2.01B in trailing twelve month revenue a...

5/ 10Mixed

Cyborg Score thesis

Growth-stage fintech with strong revenue momentum facing near-term profitability headwinds amid transformational M&A...

Read the full analyst-debate transcript →
Industry Financial Technology (FinTech) & Banking-as-a-Service
4 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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What's in This Report
Green Dot Corporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Green Dot Corporation Overview

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Green Dot Corporation is a financial technology company that provides financial services for consumers in the United States without good banking options. The company generated $2.01B in trailing twelve month revenue and operates as a registered bank holding company delivering embedded finance and Banking-as-a-Service (BaaS) solutions to consumers and businesses.

Strategic Profile

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Green Dot operates through three segments: Consumer Services, Business to Business Services (B2B), and Money Movement Services, with the B2B segment generating the majority of revenue. The company announced a dual-transaction where Smith Ventures will acquire its non-bank fintech assets for $690 million and CommerceOne Financial will acquire Green Dot Bank to form a new publicly traded bank holding company, with shareholders receiving $8.11 cash per share plus equity in the new bank.

Competitive Landscape

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Competitors include Visa, Stripe, 2Checkout, and Chime Financial among 16 total competitors in the broader fintech and embedded finance space. Green Dot differentiates through its dual-focus model combining consumer banking services with enterprise BaaS solutions, though it faces competition from pure-play digital banks, payment processors, and larger financial institutions offering embedded finance capabilities.

Industry Context

Green Dot Corporation operates in Financial Technology (FinTech) & Banking-as-a-Service.

Key facts

Founded: 1999 · Headquarters: Provo, US · Revenue: $2.01B · Market cap: $680M

What the analysts stress-tested

The top findings that survived the multi-agent debate for Green Dot Corporation.

  • Q3 2025 showed renewed momentum with 21% year-over-year revenue increase driven by B2B and embedded finance operations
  • Q2 2025 delivered strong results with 24% non-GAAP revenue growth to $501.2 million and 34% adjusted EBITDA growth to $45.4 million
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Recent developments

Material events tracked by the AskCyborg corpus.

  • November 2025Dual strategic transaction announced: Smith Ventures to acquire fintech operations ($690M) and CommerceOne Financial to acquire Green Dot Bank, expected to close Q2 2026
  • November 2025Amscot Financial partnership launched leveraging Arc embedded finance platform across 230+ locations
  • +2 moreTrack every material event for Green Dot Corporation as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Digital Banking & PaymentsDigital banking and neobank services→Payment ProcessingOnline payment processing platform→Payment NetworksGlobal payment processing network→BaaS & Embedded FinanceBanking-as-a-Service infrastructure→

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Industry context

Green Dot Corporation operates in Financial Technology (FinTech) & Banking-as-a-Service. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Green Dot Corporation do?+
Green Dot Corporation is a financial technology company that provides financial services for consumers in the United States without good banking options. The company generated $2.01B in trailing twelve month revenue a...
What is Green Dot Corporation's Cyborg Score?+
Green Dot Corporation has a Cyborg Score of 5/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Green Dot Corporation's main competitors?+
Named competitors include Digital Banking & Payments, Payment Processing, Payment Networks, BaaS & Embedded Finance. The full competitive landscape is in the AskCyborg report.
How can I get the full Green Dot Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Green Dot Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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