Demonstrações financeiras detalhadas de Green Dot Corporation (GDOT): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Green Dot Corporation registou receitas de $2.08B no último exercício, com um CAGR de 5 anos de 10.7%.
Margens dos últimos 12 meses: margem bruta 24.5%, margem operacional 0.7%, margem líquida -1.1%. O fluxo de caixa livre cresceu a CAGR de -15.2% em 5 anos.
Ao preço atual de $13.26, GDOT apresenta lucros negativos (P/L não significativo) e um ROE de -2.82%. A capitalização de mercado é de $752M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $726.1M | $901.1M | $1.07B | $1.11B | $1.25B | $1.43B | $1.45B | $1.50B | $1.72B | $2.08B |
| Custo da Receita | $276.1M | $361.5M | $407.8M | $399.1M | $527.6M | $654.1M | $725.7M | $880.8M | $1.14B | $1.57B |
| Lucro Bruto | $450.0M | $539.6M | $657.7M | $709.5M | $726.1M | $779.1M | $723.9M | $620.5M | $580.1M | $510.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $388.4M | $436.2M | $532.4M | $586.6M | $696.8M | $712.8M | $629.8M | $600.9M | $587.3M | $559.9M |
| Despesas Operacionais | $386.7M | $430.3M | $527.3M | $586.6M | $696.1M | $712.6M | $629.5M | $597.9M | $581.7M | $454.9M |
| Lucro Operacional | $63.3M | $109.3M | $130.4M | $122.9M | $30.1M | $66.5M | $94.4M | $22.7M | -$1.7M | $55.2M |
| EBITDA | $124.0M | $168.0M | $196.7M | $203.2M | $115.4M | $151.1M | $174.7M | $102.6M | $77.5M | $140.7M |
| Despesas com Juros | $9.1M | $5.8M | $5.0M | 0 | $761000 | $150000 | $255000 | 0 | $5.5M | $6.2M |
| Lucro Antes de Impostos | $61.6M | $103.5M | $123.8M | $121.1M | $28.1M | $63.7M | $83.9M | $14.6M | -$22.5M | -$97.3M |
| Imposto | $20.0M | $17.6M | $5.1M | $21.2M | $5.0M | $16.2M | $19.7M | $7.9M | $4.2M | $1.6M |
| Lucro Líquido | $41.6M | $85.9M | $118.7M | $99.9M | $23.1M | $47.5M | $64.2M | $6.7M | -$26.7M | -$98.9M |
| LPA | $0.82 | $1.70 | $2.27 | $1.91 | $0.43 | $0.87 | $1.20 | $0.13 | $-0.50 | $-1.79 |
| LPA Diluído | $0.80 | $1.61 | $2.18 | $1.88 | $0.42 | $0.85 | $1.19 | $0.13 | $-0.50 | $-1.79 |
| Ações em Circulação (Diluídas) | $50.8M | $53.2M | $54.5M | $53.1M | $53.7M | $55.2M | $53.9M | $52.5M | $53.5M | $55.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $494.8M | $522.6M | $656.2M | $595.9M |
| Lucro Bruto | $120.5M | $117.5M | $198.6M | $118.4M |
| Lucro Operacional | -$32.8M | -$27.0M | $70.9M | $4.9M |
| EBITDA | $7.0M | -$4.6M | $94.1M | $28.7M |
| Lucro Líquido | -$30.8M | -$46.8M | $53.8M | -$2.1M |
| LPA | $-0.56 | $-0.84 | $0.96 | $-0.04 |
| LPA Diluído | $-0.56 | $-0.84 | $0.93 | $-0.04 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $732.7M | $919.2M | $1.09B | $1.06B | $1.49B | $1.32B | $813.9M | $682.3M | $1.59B | $1.42B |
| Investimentos de Curto Prazo | $46.7M | $11.9M | $20.0M | $10.0M | 0 | 0 | 0 | $33.9M | $24.2M | 0 |
| Contas a Receber | $36.0M | $26.5M | $30.1M | $34.1M | $46.3M | $61.1M | $45.5M | $68.2M | $85.4M | $197.2M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.01B | $1.32B | $1.38B | $1.44B | $2.41B | $1.81B | $1.47B | $1.64B | $2.43B | $2.64B |
| Imobilizado | $82.6M | $97.3M | $120.3M | $171.8M | $146.5M | $146.3M | $168.5M | $184.7M | $199.2M | $199.4M |
| Ágio | $208.4M | $301.8M | $301.8M | $301.8M | $301.8M | $301.8M | $301.8M | $301.8M | $301.8M | $301.8M |
| Ativos Intangíveis | $242.7M | $280.6M | $249.3M | $219.2M | $190.0M | $165.2M | $143.3M | $118.7M | $96.2M | $72.6M |
| Ativos Totais | $1.74B | $2.20B | $2.29B | $2.46B | $4.12B | $4.73B | $4.79B | $4.82B | $5.43B | $5.99B |
| Contas a Pagar | $22.9M | $34.9M | $38.6M | $37.9M | $34.8M | $51.4M | $113.9M | $119.9M | $103.8M | $114.7M |
| Dívida de Curto Prazo | $21.0M | $20.9M | $58.7M | $380000 | $235000 | 0 | 0 | $61.0M | 0 | 0 |
| Passivos Circulantes | $960.8M | $1.34B | $1.34B | $1.45B | $3.08B | $3.64B | $3.96B | $3.95B | $4.50B | $5.03B |
| Dívida de Longo Prazo | $79.7M | $58.7M | 0 | $35.0M | 0 | 0 | $35.0M | 0 | $48.5M | $63.5M |
| Passivos Totais | $1.06B | $1.43B | $1.38B | $1.53B | $3.11B | $3.65B | $4.01B | $3.96B | $4.56B | $5.09B |
| Reservas | $325.7M | $410.4M | $529.1M | $629.0M | $651.9M | $699.4M | $763.6M | $770.3M | $743.6M | $644.7M |
| Patrimônio Líquido | $683.7M | $764.5M | $909.8M | $927.4M | $1.01B | $1.07B | $781.5M | $859.4M | $873.6M | $890.2M |
| Dívida Total | $100.7M | $79.6M | $58.7M | $68.6M | $24.8M | $15.1M | $43.4M | $67.1M | $59.6M | $65.5M |
| Dívida Líquida | -$678.7M | -$851.5M | -$1.06B | -$1.00B | -$1.47B | -$1.31B | -$770.5M | -$649.1M | -$1.56B | -$1.36B |
| Capital de Giro | $52.6M | -$14.8M | $38.6M | -$3.1M | -$664.1M | -$1.83B | -$2.50B | -$2.32B | -$2.07B | -$2.39B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $1.64B | $1.42B | $1.65B | $1.14B |
| Ativos Totais | $5.77B | $5.99B | $6.65B | $6.19B |
| Passivos Totais | $4.85B | $5.09B | $5.71B | $5.25B |
| Patrimônio Líquido | $913.3M | $890.2M | $940.5M | $939.4M |
| Dívida Total | $66.5M | $65.5M | $565.5M | $65.5M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $41.6M | $85.9M | $118.7M | $99.9M | $23.1M | $47.5M | $64.2M | $6.7M | -$26.7M | -$98.9M |
| Depreciação e Amortização | $62.5M | $64.6M | $71.3M | $82.1M | $86.1M | $84.8M | $80.6M | $83.0M | $84.7M | $85.5M |
| Compensação em Ações | $28.3M | $40.7M | $50.1M | $29.6M | $53.7M | $51.4M | $34.8M | $33.7M | $29.9M | $18.7M |
| Variação Capital de Giro | -$94.5M | -$47.6M | -$8.2M | -$37.5M | $28.6M | -$65.3M | $44.8M | -$68.1M | -$62.2M | -$21.1M |
| Fluxo de Caixa Operacional | $114.5M | $218.3M | $251.1M | $189.9M | $209.2M | $167.0M | $277.7M | $97.5M | $81.4M | $138.6M |
| CapEx | -$43.3M | -$44.1M | -$61.0M | -$78.2M | -$59.0M | -$57.4M | -$84.3M | -$75.9M | -$74.3M | -$72.5M |
| Aquisições | 0 | -$141.5M | 0 | 0 | -$35.0M | -$35.0M | -$35.0M | -$35.0M | -$35.0M | 0 |
| Recompra de Ações | -$59.0M | -$52.0M | 0 | -$100.0M | 0 | 0 | -$95.5M | -$3.9M | 0 | 0 |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fluxo de Caixa Livre | $71.2M | $174.2M | $190.0M | $111.7M | $150.1M | $109.6M | $193.4M | $21.6M | $7.1M | $66.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $23.3M | -$62.5M | $95.1M | $99.6M |
| CapEx | -$19.8M | -$19.4M | -$19.0M | $19.0M |
| Fluxo de Caixa Livre | $3.5M | -$81.9M | $76.0M | $118.7M |
| Dividendos Pagos | 0 | 0 | 0 | 0 |
| Compensação em Ações | $5.3M | $4.7M | $4.5M | $3.3M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +24.1% | +18.2% | +4.0% | +13.1% | +14.3% | +1.1% | +3.6% | +14.8% | +20.7% |
| Crescimento Lucro Líquido (anual) | | +106.5% | +38.2% | -15.8% | -76.8% | +105.3% | +35.2% | -89.5% | -497.2% | -270.3% |
| Crescimento LPA (anual) | | +107.3% | +33.5% | -15.9% | -77.5% | +102.3% | +37.9% | -89.2% | -484.6% | -258.0% |
| Variação de Ações (anual) | | +4.7% | +2.4% | -2.5% | +1.0% | +2.9% | -2.4% | -2.5% | +1.9% | +2.9% |
| Crescimento FCF (anual) | | +144.5% | +9.1% | -41.2% | +34.4% | -27.0% | +76.4% | -88.8% | -67.1% | +830.3% |
| Margem Bruta | 62.0% | 59.9% | 61.7% | 64.0% | 57.9% | 54.4% | 49.9% | 41.3% | 33.6% | 24.5% |
| Margem Operacional | 8.7% | 12.1% | 12.2% | 11.1% | 2.4% | 4.6% | 6.5% | 1.5% | -0.1% | 2.7% |
| Margem EBITDA | 17.1% | 18.6% | 18.5% | 18.3% | 9.2% | 10.5% | 12.1% | 6.8% | 4.5% | 6.8% |
| Margem Líquida | 5.7% | 9.5% | 11.1% | 9.0% | 1.8% | 3.3% | 4.4% | 0.4% | -1.5% | -4.8% |
| Margem FCF | 9.8% | 19.3% | 17.8% | 10.1% | 12.0% | 7.6% | 13.3% | 1.4% | 0.4% | 3.2% |
| Taxa Efetiva de Imposto | 32.4% | 17.0% | 4.1% | 17.5% | 17.7% | 25.5% | 23.5% | 54.1% | -18.5% | -1.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.40 | $3.27 | $3.49 | $2.10 | $2.80 | $1.98 | $3.59 | $0.41 | $0.13 | $1.20 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $49.5M | $50.5M | $52.2M | $52.2M | $52.4M | $54.1M | $53.4M | $52.3M | $53.5M | $55.1M |
O que olhar em Serviços Financeiros
Asset managers, brokers, fintech, bolsas. Não são bancos — olha AUM, comissões e qualidade do FCF.
- Crescimento receita 5 anos — Sem crescimento, não há criação de valor a longo prazo
- Margem operacional — Bons asset managers têm margens >30% pela escalabilidade
- ROE — Serviços financeiros de qualidade têm ROE >15% consistente
- FCF / Net Income — Qualidade do lucro — >90% esperado em negócios leves em capital
- Dívida / Equity — Fintech e brokers com D/E alto são bombas-relógio em crise
- P/E vs próprio 5 anos — Asset managers têm múltiplos estáveis em intervalos conhecidas
- Dividend yield + buybacks — Estes negócios devolvem muito capital — olhar yield total (div + recompras)
Rentabilidade
| Retorno sobre patrimônio | -2.82% |
| Retorno sobre capital investido | 1.59% |
| Retorno sobre ativos | -0.42% |
| Margem bruta | 24.46% |
| Margem operacional | 0.70% |
| Margem líquida | -1.14% |
Saúde financeira
| Dívida / Patrimônio | 0.07 |
| Liquidez corrente | 0.45 |
| Piotroski F-Score | 3 |
| Altman Z-Score | 0.13 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 28.72 | 35.45 | 35.03 | 12.20 | 129.77 | 41.66 | 13.18 | 76.15 | -21.28 | -7.16 |
| P/VP | 1.71 | 3.98 | 4.56 | 1.31 | 2.90 | 1.83 | 1.08 | 0.60 | 0.65 | 0.79 |
| P/V | 1.61 | 3.38 | 3.90 | 1.10 | 2.33 | 1.37 | 0.58 | 0.34 | 0.33 | 0.34 |
| Margem Bruta | 62.0% | 59.9% | 61.7% | 64.0% | 57.9% | 54.4% | 49.9% | 41.3% | 33.6% | 24.5% |
| Margem Operacional | 8.7% | 12.1% | 12.2% | 11.1% | 2.4% | 4.6% | 6.5% | 1.5% | -0.1% | 2.7% |
| Margem Líquida | 5.7% | 9.5% | 11.1% | 9.0% | 1.8% | 3.3% | 4.4% | 0.4% | -1.5% | -4.8% |