Core Viewpoint - Green Dot (GDOT) is a pro-consumer bank holding company that has shown strong performance over the past six months and is expected to maintain this momentum in the near term, making it a compelling addition to investment portfolios [1]. Performance Overview - GDOT's stock has returned 19.2% over the past six months, significantly outperforming the industry growth of 7.3% and the S&P 500 composite's rise of 5.5% [2]. - The company has a Zacks Rank of 1 (Strong Buy) and a VGM Score of A, indicating strong investment potential [3]. Earnings and Growth Prospects - GDOT has a solid earnings surprise history, exceeding the Zacks Consensus Estimate in two of the last four quarters, with an average earnings surprise of 5.6% [4]. - Current-year earnings estimates are at $1.22, reflecting a 9.9% growth over the past 60 days, while next year's earnings are projected to increase by 10.8% [4]. - Earnings estimates for 2025 and 2026 have risen nearly 10%, indicating expected double-digit growth [6]. Strategic Partnerships and Innovations - The partnership with Samsung enhances the Samsung Wallet with "Tap to Transfer" functionality, allowing users to send money quickly, thereby improving convenience and cross-platform compatibility [6]. - Green Dot's user-centric expansion strategy, combined with its Banking-as-a-Service (BaaS) model, allows it to power financial products for major brands like Walmart, Uber, and Apple, generating steady revenues from interchange fees and deposits [8]. Competitive Positioning - Green Dot's asset-light balance sheet differentiates it from other BaaS providers, enabling higher margins and reduced reliance on interest income, positioning the company strongly in the embedded finance space [8].

Q1 2025 Results May 8th, 2025 Green Dot Corporation Safe Harbor Statement This presentation contains forward-looking statements, which are subject to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements include, among other things, statements regarding Green Dot's business and pipeline momentum, revenue and division trends, timing and impact of partner launches and 2025 guidance and outlook, and other future events that involve risks and uncertainties. Actual ...