SUPPLEMENTAL FINANCIAL INFORMATION | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-------|--------------------|-------|-------|-------|----------------------------------------------------------------------------------------------------------------------------|-------|--------------------------------------|-------|---------------|--------------|-------|------------------------|-------|-------|----------------------------------------------------------------- ...

Financial Data and Key Metrics Changes - Non-GAAP revenue grew by 15% to $275 million in Q4 2020, with adjusted EBITDA increasing by 59% [34][9] - Non-GAAP EPS reached $0.31, reflecting a growth of 121% [9][34] - Operating cash flow generated was $207 million for the year, with cash at the holding company at year-end being $146 million [43] Business Line Data and Key Metrics Changes - The BaaS (Banking as a Service) business saw revenue growth driven by partnerships with companies like Amazon and Google, with significant new platform launches [16][18] - Retail operations launched new products like Pay As You Go, contributing to 17% incremental sales growth at Walmart [24][23] - The PayCard business delivered 6% revenue growth despite COVID-19 impacts, with expectations of 20% growth in 2021 [27][9] Market Data and Key Metrics Changes - Gross dollar volume increased due to higher active accounts and a second round of stimulus funds, adding approximately $570 million in late December [35][34] - Processing and Settlement Service revenue declined by 18% year-over-year due to reduced SimplyPaid disbursement transactions [37] - Interest income is expected to rise year-over-year as cash is invested in higher-yielding securities [51] Company Strategy and Development Direction - The company is focused on enhancing customer experience and updating core banking platforms to consolidate operations and reduce costs [28][52] - Investments are being made in the GO2bank product, which targets low- to moderate-income consumers, with promising initial results [14][48] - The strategy includes targeting small and micro businesses that traditional banks overlook, leveraging partnerships with companies like QuickBooks and Uber [19][80] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism for 2021, acknowledging ongoing uncertainties due to COVID-19 while expecting revenue growth across all business lines [31][45] - The company plans to continue investing in growth-oriented initiatives, anticipating that these will lead to revenue growth and margin expansion in 2022 and beyond [46][51] - Management highlighted the importance of adapting to the evolving needs of consumers and small businesses in the current economic landscape [19][80] Other Important Information - The company recorded an impairment charge of approximately $22 million related to facilities and internal use software, which was excluded from non-GAAP measures [42] - A new leader for the BaaS business, Amit Parikh, was appointed to drive growth in this segment [22] Q&A Session Summary Question: Impact of potential incremental stimulus on P&L - Management discussed the potential impact of a $1,400 stimulus per individual and extended unemployment benefits, suggesting it could lead to increased purchase volume and interchange revenue [60][64] Question: GO2bank launch and customer adoption - Management reported strong demand for GO2bank, with higher-than-expected interest in overdraft protection and secured credit card applications [71][72] Question: Opportunities in small and micro businesses - Management emphasized targeting small businesses that traditional banks overlook, focusing on unique financial solutions tailored to their needs [78][80] Question: Incremental investment breakdown - Management clarified that there would not be significant increases in SG&A for small business initiatives, while core banking platform investments are critical for long-term efficiency [87] Question: GO2bank app success compared to previous launches - Management indicated that GO2bank has been the most successful product launch to date, with downloads surpassing previous offerings [88]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________ FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34819 (Exact name of Registrant as specified in its charter) Delaware 95-4766827 (St ...

Green Dot Corporation (NYSE:GDOT) Q3 2020 Earnings Conference Call November 4, 2020 5:00 PM ET Company Participants Alison Lubert - VP of Communications Dan Henry - President and CEO Jess Unruh - Interim CFO and CAO Conference Call Participants Bob Napoli - William Blair George Sutton - Craig-Hallum Andrew Jeffrey - Truth Securities Ramsey El-Assal - Barclays Andrew Schmidt - Citi Steven Kwok - KBW Georgios Mihalos - Cowen Ashish Sabadra - Deutsche Bank Jeff Cantwell - Guggenheim Securities Operator Good af ...

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34819 (Exact name of Registrant as specified in its charter) Delaware 95-4766827 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________ FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO ...

Green Dot Corporation (NYSE:GDOT) Q2 2020 Earnings Conference Call August 4, 2020 5:00 PM ET Company Participants Shaun Rowan - Senior Vice President of Marketing Dan Henry - President and Chief Executive Officer Jess Unruh - Interim Chief Financial Officer and Chief Accounting Officer Conference Call Participants Bob Napoli - William Blair & Company, L.L.C. Damian Wille - Barclays Capital Andrew Jeffrey - SunTrust Robinson Humphrey Inc George Sutton - Craig-Hallum Capital Group LLC Andrew Schmidt - Citigro ...

Green Dot Corporation (NYSE:GDOT) Q1 2020 Earnings Conference Call May 11, 2020 5:00 PM ET Company Participants Michelle Blaya - Vice President of Communications and Communities, Green Dot Corp. Daniel R. Henry - Director, Chief Executive Officer & President, Green Dot Corp. Jess Unruh - Interim Chief Financial Officer & Chief Accounting Officer, Green Dot Corp. Conference Call Participants Ramsey El-Assal - Barclays Capital, Inc. Andrew W. Jeffrey - SunTrust Robinson Humphrey, Inc. Robert Napoli - William ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________ FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34819 (Exact name of Registrant as specified in its charter) Delaware ...

__________________________________________________ FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 (Exact name of Registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 3465 E. Foothill Blvd. Pasadena, California 91107 (626) 765-2000 (Address of principal executive offices, including zip co ...

Green Dot Corporation (NYSE:GDOT) Q4 2019 Earnings Conference Call February 19, 2020 5:00 PM ET Company Participants Dara Dierks – Investor Relations Bill Jacobs - Chairman & Interim Chief Executive Officer Jess Unruh - Interim Chief Financial Officer & Chief Accounting Officer Chris Brewster - Director & interim President Conference Call Participants Ramsey El-Assal - Barclays Bob Napoli - William Blair Andrew Schmidt - Citi Andrew Jeffrey - SunTrust Kyle Peterson - Needham & Company Steven Kwok - KBW Ashi ...