For the year ending 2025-12-31, GDOT had -$170,701K decrease in cash & cash equivalents over the period. $66,017K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net (loss) income | -98,866 |
| Depreciation and amortization of property, equipment and internal-use software | 64,722 |
| Amortization of intangible assets | 20,798 |
| Provision for uncollectible overdrawn accounts from purchase transactions | 12,765 |
| Provision for loan losses | 23,450 |
| Stock-based compensation | 18,703 |
| Losses in equity method investments | -86,870 |
| Realized loss on available-for-sale investment securities | 24,779 |
| Amortization of premium and discount on available-for-sale investment securities | 377 |
| Impairment of long-lived assets | 2,023 |
| Deferred income tax expense (benefit) | 368 |
| Other | -3,621 |
| Accounts receivable, net | 78,006 |
| Prepaid expenses and other assets | 6,042 |
| Deferred expenses | -453 |
| Accounts payable and other accrued liabilities | 69,390 |
| Deferred revenue | -2,815 |
| Income tax receivable/payable | -4,525 |
| Other, net | -492 |
| Net cash provided by operating activities | 138,557 |
| Purchases of available-for-sale investment securities | 1,280,914 |
| Proceeds from maturities of available-for-sale securities | 217,579 |
| Proceeds from sales and calls of available-for-sale securities | 730,801 |
| Payments for property, equipment and internal-use software | 72,540 |
| Net changes in loans | 43,188 |
| Investment in tailfin labs, llc | 0 |
| Other investing activities | 2,271 |
| Net cash (used in) provided by investing activities | -450,533 |
| Borrowings on notes payable | 14,860 |
| Borrowings on revolving line of credit | 0 |
| Repayments on revolving line of credit | 0 |
| Proceeds from exercise of options and espp purchases | 3,678 |
| Taxes paid related to net share settlement of equity awards | 2,913 |
| Net changes in deposits | 404,802 |
| Net changes in settlement assets and obligations to customers | 278,529 |
| Deferred financing costs | 623 |
| Net cash provided by (used in) financing activities | 141,275 |
| Net (decrease) increase in unrestricted cash, cash equivalents and restricted cash | -170,701 |
| Unrestricted cash, cash equivalents and restricted cash, beginning of period | 1,592,435 |
| Unrestricted cash, cash equivalents and restricted cash, end of period | 1,421,734 |
GDOT
GDOT