Green Dot Corporation
(NYSE:GDOT)

Green Dot Corporation operates as a financial technology and bank holding company in the United States. It operates in two segments, Account Services, and Processing and Settlement Services. The company offers deposit account programs, such network-branded reloadable prepaid debit cards under the co...

Website: http://www.greendot.com

Founded: 1999

Full Time Employees: 1,200

Sector: Financial Services

Industry: Credit Services

Financial Services

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Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30

operating revenues:
card revenues and other fees	448,675,000	415,692,000	393,063,000	381,224,000	375,953,000	353,456,000	310,372,000	286,127,000	281,503,000	272,185,000	253,407,000	242,107,000	239,866,000	225,339,000	219,577,000	218,574,000	212,828,000	202,403,000	202,482,000	197,937,000	186,012,000	153,192,000	146,648,000	152,681,000	141,394,000	105,936,000	102,231,000	121,613,000	129,577,000	118,564,000	113,474,000	120,783,000	130,060,000	105,685,000	100,781,000	107,340,000	100,969	82,337,000	79,056,000	84,542,000	91,886,000	75,179,000	71,870,000	83,810,000	87,224,000	65,148,000	58,948,000	60,892,000	68,167,000	56,465,000	51,066,000	55,029,000	64,667,000	48,734,000	54,138,000	59,500,000	62,373,000
cash processing revenues	136,371,000	38,563,000	33,766,000	54,484,000	113,373,000	33,306,000	34,897,000	56,744,000	106,806,000	33,491,000	36,256,000	53,846,000	101,823,000	36,632,000	41,318,000	57,467,000	100,028,000	40,283,000	47,516,000	66,825,000	90,915,000
interchange revenues	43,959,000	44,380,000	45,329,000	46,967,000	47,919,000	49,350,000	48,397,000	49,585,000	50,968,000	52,053,000	54,968,000	59,967,000	64,015,000	69,345,000	71,407,000	76,038,000	78,856,000	81,808,000	85,888,000	101,115,000	111,226,000	80,131,000	84,876,000	95,970,000	90,866,000	79,278,000	77,080,000	81,334,000	92,541,000	75,213,000	74,060,000	76,948,000	84,698,000	68,881,000	64,151,000	63,533,000	61,357	48,890,000	45,540,000	47,059,000	55,122,000	48,142,000	46,020,000	47,635,000	54,726,000	44,414,000	43,757,000	42,655,000	47,214,000	42,216,000	40,872,000	41,913,000	46,756,000	41,944,000	39,581,000	39,528,000	43,506,000	36,068,000	34,246,000	33,075,000	37,714,000	27,274,000	27,044,000	26,183,000
interest income	27,242,000	23,980,000	22,668,000	21,501,000	21,629,000	18,912,000	16,077,000	14,665,000	12,711,000	8,314,000	8,398,000	9,956,000	10,676,000	11,116,000	11,446,000	10,690,000	8,905,000	6,345,000	3,613,000	3,496,000	5,333,000	3,784,000	2,020,000	2,139,000	6,843,000	6,301,000	6,517,000	8,306,000	10,817,000	6,159,000	6,153,000	5,789,000	5,600,000	3,431,000	2,635,000	2,323,000	2,854	1,896,000	1,637,000	1,533,000	2,301,000	1,113,000	1,128,000	1,118,000	1,378,000	1,066,000	982,000	1,039,000	977,000	966,000	800,000	855,000	819,000	958,000	982,000	1,185,000	1,199,000	336,000	239,000	232,000	103,000	96,000	111,000	86,000
total operating revenues	656,247,000	522,615,000	494,826,000	504,176,000	558,874,000	455,024,000	409,743,000	407,121,000	451,988,000	366,043,000	353,029,000	365,876,000	416,380,000	342,432,000	343,748,000	362,769,000	400,617,000	330,839,000	339,499,000	369,373,000	393,486,000	284,281,000	291,070,000	316,240,000	362,169,000	249,307,000	240,448,000	278,326,000	340,514,000	237,834,000	230,577,000	258,349,000	314,998,000	212,989,000	201,613,000	222,548,000	253,001	162,768,000	154,494,000	173,488,000	228,024,000	150,928,000	146,360,000	170,247,000	227,165,000	150,608,000	144,659,000	147,016,000	159,269,000	142,320,000	136,544,000	140,608,000	154,149,000	132,923,000	134,349,000	136,681,000	142,332,000	119,674,000	115,387,000	115,030,000	117,307,000	91,847,000	88,904,000	90,318,000
operating expenses:
sales and marketing expenses	59,313,000	49,803,000	48,243,000	50,159,000	59,688,000	49,262,000	52,626,000	52,947,000	62,375,000	50,795,000	56,495,000	62,823,000	75,212,000	70,002,000	66,996,000	77,376,000	83,526,000	82,751,000	84,002,000	96,507,000	118,903,000	95,373,000	96,189,000	106,811,000	116,738,000	102,355,000	98,352,000	87,432,000	98,701,000	79,142,000	72,745,000	82,478,000	91,968,000	73,146,000	65,586,000	70,144,000	71,685	65,487,000	56,668,000	63,077,000	63,864,000	60,444,000	52,873,000	55,845,000	61,279,000	62,185,000	55,599,000	57,200,000	60,243,000	58,471,000	52,042,000	51,680,000	56,177,000	52,354,000	51,930,000	53,014,000	52,572,000	42,583,000	40,851,000	42,774,000	42,539,000	35,113,000	30,305,000	31,433,000
compensation and benefits expenses	59,771,000	60,904,000	63,411,000	63,847,000	66,214,000	61,077,000	61,795,000	61,348,000	66,824,000	45,594,000	59,168,000	64,985,000	68,781,000	58,196,000	61,868,000	57,611,000	66,264,000	64,690,000	65,045,000	59,984,000	74,967,000	60,146,000	61,077,000	58,867,000	53,065,000	41,961,000	46,678,000	48,298,000	61,475,000	55,572,000	57,070,000	54,478,000	54,507,000	55,299,000	47,271,000	50,866,000	41,218	37,377,000	37,900,000	41,092,000	43,087,000	44,856,000	40,555,000	41,461,000	41,354,000	34,418,000	31,487,000	30,215,000	26,963,000	31,990,000	32,343,000	31,200,000	31,754,000	31,856,000	29,041,000	27,880,000	26,153,000	23,105,000	21,763,000	21,666,000	21,137,000	19,628,000	17,621,000	16,593,000
processing expenses	374,594,000	342,604,000	309,311,000	293,213,000	285,317,000	255,460,000	228,227,000	207,896,000	195,666,000	178,673,000	162,375,000	153,126,000	145,054,000	131,719,000	125,261,000	112,388,000	112,092,000	101,568,000	95,731,000	94,316,000	97,669,000	77,087,000	74,158,000	71,371,000	71,095,000	50,810,000	49,010,000	49,222,000	51,632,000	42,718,000	43,654,000	46,363,000	48,425,000	41,288,000	34,027,000	44,754,000	40,942	26,796,000	25,703,000	26,544,000	28,513,000	23,928,000	20,496,000	27,120,000	30,600,000	20,160,000	19,529,000	17,285,000	22,079,000	25,678,000	22,231,000	19,948,000	21,999,000	18,777,000	18,802,000	19,016,000	20,850,000	16,314,000	17,576,000	17,330,000	19,733,000	13,847,000	14,579,000	13,872,000
other general and administrative expenses	93,449,000	94,735,000	86,790,000	83,558,000	86,910,000	74,848,000	70,027,000	108,597,000	116,569,000	117,253,000	81,830,000	80,156,000	76,338,000	74,436,000	78,858,000	91,455,000	87,143,000	89,974,000	85,891,000	86,763,000	67,962,000	83,191,000	62,296,000	73,801,000	62,422,000	54,424,000	48,595,000	49,411,000	47,321,000	52,280,000	62,193,000	47,849,000	43,718,000	39,551,000	41,677,000	36,593,000	37,780	36,630,000	34,740,000	29,906,000	38,074,000	33,479,000	34,142,000	38,903,000	28,036,000	33,576,000	24,716,000	20,584,000	26,324,000	25,717,000	21,954,000	20,425,000	20,880,000	20,031,000	18,050,000	17,915,000	15,904,000	15,386,000	13,889,000	13,910,000	13,393,000	10,602,000	10,976,000	11,266,000
restructuring and other charges	82,000	2,223,000	19,902,000
total operating expenses	587,209,000	550,269,000	527,657,000	490,777,000	498,129,000	440,647,000	412,675,000	430,788,000	441,434,000	392,315,000	359,868,000	361,090,000	365,385,000	334,353,000	332,983,000	338,830,000	349,025,000	338,983,000	330,669,000	337,570,000	359,501,000	315,797,000	293,720,000	310,850,000	303,320,000	249,550,000	242,635,000	234,363,000	259,129,000	229,712,000	235,662,000	231,168,000	238,618,000	209,284,000	188,561,000	202,357,000	191,625	166,290,000	155,011,000	160,619,000	173,538,000	162,707,000	148,066,000	163,329,000	161,269,000	150,339,000	131,331,000	125,284,000	135,609,000	141,856,000	128,570,000	123,253,000	130,810,000	123,018,000	117,823,000	117,825,000	115,479,000	97,388,000	94,079,000	95,680,000	96,802,000	79,190,000	73,481,000	73,164,000
operating income	69,038,000	-27,654,000	-32,831,000	13,399,000	60,745,000	14,377,000	-2,932,000	-23,667,000	10,554,000	-26,272,000	-6,839,000	4,786,000	50,995,000	8,079,000	10,765,000	23,939,000	51,592,000	-8,144,000	8,830,000	31,803,000	33,985,000	-31,516,000	-2,650,000	5,390,000	58,849,000	-243,000	-2,187,000	43,963,000	81,385,000	8,122,000	-5,085,000	27,181,000	76,380,000	3,705,000	13,052,000	20,191,000	61,376	-3,522,000	-517,000	12,869,000	54,486,000	-11,779,000	-1,706,000	6,918,000	65,896,000	269,000	13,328,000	21,732,000	23,660,000	464,000	7,974,000	17,355,000	23,339,000	9,905,000	16,526,000	18,856,000	26,853,000	22,286,000	21,308,000	19,350,000	20,505,000	12,657,000	15,423,000	17,154,000
yoy	13.65%	-292.35%	1019.75%	-156.61%	475.56%	-154.72%	-57.13%	-594.50%	-79.30%	-425.19%	-163.53%	-80.01%	-1.16%	-199.20%	21.91%	-24.73%	51.81%	-74.16%	-433.21%	490.04%	-42.25%	12869.55%	21.17%	-87.74%	-27.69%	-102.99%	-56.99%	61.74%	6.55%	119.22%	-138.96%	34.62%	124346.04%	-205.20%	-2624.56%	56.90%	-99.89%	-70.10%	-69.70%	86.02%	-17.32%	-4478.81%	-112.80%	-68.17%	178.51%	-42.03%	67.14%	25.22%	1.38%	-95.32%	-51.75%	-7.96%	-13.09%	-55.56%	-22.44%	-2.55%	30.96%	76.08%	38.16%	12.80%
qoq	-349.65%	-15.77%	-345.03%	-77.94%	322.52%	-590.35%	-87.61%	-324.25%	-140.17%	284.15%	-242.90%	-90.61%	531.20%	-24.95%	-55.03%	-53.60%	-733.50%	-192.23%	-72.24%	-6.42%	-207.83%	1089.28%	-149.17%	-90.84%	-24317.70%	-88.89%	-104.97%	-45.98%	902.03%	-259.72%	-118.71%	-64.41%	1961.54%	-71.61%	-35.36%	32797.22%	-101.74%	581.24%	-104.02%	-76.38%	-562.57%	590.45%	-124.66%	-89.50%	24396.65%	-97.98%	-38.67%	-8.15%	4999.14%	-94.18%	-54.05%	-25.64%	135.63%	-40.06%	-12.36%	-29.78%	20.49%	4.59%	10.12%	-5.63%	62.01%	-17.93%	-10.09%
interest expense	1,576,000	1,580,000	1,555,000	1,631,000	1,386,000	1,200,000	1,577,000	1,272,000	1,457,000	906,000	239,000	238,000	1,644,000	112,000	27,000	29,000	87,000	37,000	38,000	38,000	37,000	38,000	39,000	443,000	49,000	89,000	112,000	165,000	1,471,000	-1,952,000	-1,388,000	-1,626,000	-1,516,000	-1,514,000	-1,397,000	-1,533,000	-1,665	-1,503,000	-1,430,000	-1,408,000	-4,781,000	-1,434,000	-1,465,000	-1,549,000	-1,496,000	-1,214,000	-17,000	-29,000	-16,000	-17,000	-22,000	-16,000	-17,000	-25,000	-20,000	-17,000	-264,000	-144,000	-105,000	-96,000	-1,000	-4,000	-23,000	-2,000
other income	177,000													-2,264,250	-4,249,000	-4,038,000		-4,020,000	849,000	1,633,000	-1,086,000	-1,913,000	-1,650,000	2,154,000																						760,000	6,369,000
income before income taxes	67,639,000	-32,280,000	-35,724,000	-62,923,000	33,655,000	7,857,000	-8,214,000	-29,469,000	7,287,000	-26,138,000	-7,880,000	2,324,000	46,327,000	6,825,000	6,489,000	19,872,000	50,735,000	-12,201,000	9,641,000	33,398,000	32,862,000	-33,467,000	-4,339,000	7,101,000	58,800,000	-332,000	-2,299,000	43,798,000	79,914,000	12,329,000	-320,000	31,344,000	80,464,000	5,622,000	14,290,000	20,981,000	62,565	-3,129,000	-310,000	12,994,000	52,006,000	-12,100,000	-2,043,000	6,487,000	65,778,000	881,000	20,662,000	22,742,000	24,621,000	1,413,000	8,752,000	18,194,000	24,141,000	10,838,000	17,488,000	20,024,000	27,788,000	22,478,000	21,442,000	19,486,000	20,607,000	12,749,000	15,511,000	17,238,000
income tax expense	13,886,000	14,543,000	-4,933,000	-15,898,000	7,882,000	2,754,000	-374,000	-754,000	2,537,000	-2,535,000	-1,615,000	1,746,000	10,315,000	941,000	1,793,000	4,864,000	12,111,000	-1,678,000	2,306,000	8,465,000	7,127,000	-9,451,000	-1,347,000	3,807,000	11,955,000	-2,025,000	-1,768,000	9,106,000	15,871,000	-1,943,000	-4,893,000	1,517,000	10,433,000	-6,606,000	651,000	1,715,000	21,811	-1,784,000	-2,347,000	4,968,000	19,124,000	-6,027,000	-2,222,000	2,991,000	24,965,000	1,727,000	6,771,000	8,399,000	9,316,000	377,000	2,638,000	6,890,000	8,555,000	3,239,000	6,875,000	8,133,000	10,672,000	8,469,000	8,139,000	7,416,000	7,906,000	4,811,000	6,540,000	4,730,000
net income	53,753,000	-46,823,000	-30,791,000	-47,025,000	25,773,000	5,103,000	-7,840,000	-28,715,000	4,750,000	-23,603,000	-6,265,000	578,000	36,012,000	5,884,000	4,696,000	15,008,000	38,624,000	-10,523,000	7,335,000	24,933,000	25,735,000	-24,016,000	-2,992,000	3,294,000	46,845,000	1,693,000	-531,000	34,692,000	64,043,000	14,272,000	4,573,000	29,827,000	70,031,000	12,228,000	13,639,000	19,266,000	40,754	-1,345,000	2,037,000	8,026,000	32,882,000	-6,073,000	179,000	3,496,000	40,813,000	-846,000	13,891,000	14,343,000	15,305,000	1,036,000	6,114,000	11,304,000	15,586,000	7,599,000	10,613,000	11,891,000	17,116,000	14,009,000	13,303,000	12,070,000	12,701,000	7,938,000	8,971,000	12,508,000
yoy	108.56%	-1017.56%	292.74%	63.76%	442.59%	-121.62%	25.14%	-5067.99%	-86.81%	-501.14%	-233.41%	-96.15%	-6.76%	-155.92%	-35.98%	-39.81%	50.08%	-56.18%	-345.15%	656.92%	-45.06%	-1518.55%	463.47%	-90.51%	-26.85%	-88.14%	-111.61%	16.31%	-8.55%	16.72%	-66.47%	54.82%	171738.35%	-1009.14%	569.56%	140.04%	-99.88%	-77.85%	1037.99%	129.58%	-19.43%	617.85%	-98.71%	-75.63%	166.66%	-181.66%	127.20%	26.88%	-1.80%	-86.37%	-42.39%	-4.94%	-8.94%	-45.76%	-20.22%	-1.48%	34.76%	76.48%	48.29%	-3.50%
qoq	-214.80%	52.07%	-34.52%	-282.46%	405.06%	-165.09%	-72.70%	-704.53%	-120.12%	276.74%	-1183.91%	-98.39%	512.03%	25.30%	-68.71%	-61.14%	-467.04%	-243.46%	-70.58%	-3.12%	-207.16%	702.67%	-190.83%	-92.97%	2666.98%	-418.83%	-101.53%	-45.83%	348.73%	212.09%	-84.67%	-57.41%	472.71%	-10.35%	-29.21%	47173.89%	-103.03%	-166.03%	-74.62%	-75.59%	-641.45%	-3492.74%	-94.88%	-91.43%	-4924.23%	-106.09%	-3.15%	-6.29%	1377.32%	-83.06%	-45.91%	-27.47%	105.11%	-28.40%	-10.75%	-30.53%	22.18%	5.31%	10.22%	-4.97%	60.00%	-11.51%	-28.28%
basic earnings per common share:	960				470	100	-150	-540	90	-450	-120	10	700	120	90	280	700	-190	130	460	470	-460	-60	60	890	40	-10	660	1,210	260	90	570	1,360	240	270	390	0.81	-30	40	160	640	-110		70	770	-40	300	320	340
diluted earnings per common share	930				470	-150	-150	-540	90	145	-120	10	690
basic weighted-average common shares issued and outstanding:	55,743,000	55,099,000	55,400,000	55,127,000	54,361,000	53,527,000	53,722,000	53,452,000	52,942,000	52,251,000	52,367,000	52,193,000	51,813,000	53,351,000	53,053,000	53,928,000	54,556,000	54,070,000	54,221,000	54,005,000	53,651,000	52,438,000	52,635,000	52,275,000	51,894,000	52,195,000	51,595,000	52,588,000	53,050,000	52,222,000	52,580,000	52,105,000	51,439,000	50,482,000	50,519,000	50,013,000	50,458	49,535,000	49,439,000	48,471,000	49,863,000	51,332,000	51,576,000	51,811,000	51,448,000	40,907,000	39,884,000	39,394,000	37,462,000
diluted weighted-average common shares issued and outstanding:	58,016,000	55,099,000	55,400,000	55,127,000	55,282,000	53,527,000	53,722,000	53,452,000	53,270,000	52,510,000	52,367,000	52,437,000	52,021,000	53,871,000	53,382,000	54,389,000	55,230,000	55,220,000	55,415,000	55,061,000	55,068,000	53,685,000	54,082,000	53,164,000	52,673,000	53,138,000	52,295,000	53,811,000	54,551,000	54,481,000	54,615,000	54,390,000	54,234,000	53,198,000	52,923,000	52,452,000	52,497	50,797,000	50,709,000	49,818,000	50,867,000	51,875,000	52,361,000	52,275,000	51,938,000	41,770,000	40,461,000	40,052,000	38,769,000
other (expense)		-3,046,000	-1,338,000	-74,691,000	-25,704,000
basic loss per common share:		-237.5	-560	-850
diluted loss per common share		-237.5	-560	-850
other expense						-5,320,000	-3,705,000	-4,530,000	-1,810,000	1,040,000	-802,000	-2,224,000	-3,024,000				770,000
diluted earnings per common share:														120	90	270	700	-190	130	450	460	-450	-60	60	870	40	-10	640	1,170	260	80	550	1,290	210	260	370	0.78	-30	40	160	630	-110		60	760	-50	300	310	330
processing and settlement service revenues																						47,174,000	57,526,000	65,450,000	123,066,000	57,792,000	54,620,000	67,073,000	107,579,000	44,057,000	43,043,000	60,618,000	100,240,000	38,423,000	36,681,000	51,675,000	90,675	31,541,000	29,898,000	41,887,000	81,016,000	27,607,000	28,470,000	39,416,000	87,121,000
income attributable to preferred stock																																						300,000	-35,000	-244,000	-972,000	167,000	-5,000	-99,000	-1,165,000	745,000	-1,636,000	-1,703,000	-2,282,000	-128,000	-958,000	-1,798,000	-2,493,000	-1,214,000	-1,704,000	-1,921,000	-2,772,000
net income available to common stockholders																																		12,228,000	13,639,000	19,266,000	40,754	-1,045,000	2,002,000	7,782,000	31,910,000	-5,906,000	174,000	3,397,000	39,648,000
stock-based retailer incentive compensation																																												-614,000	-1,906,000	-2,391,000	-2,131,000	-2,022,000	-2,388,000	-2,559,000	-2,587,000	-1,967,000	-1,609,000	-1,266,000	-1,202,000	-2,593,000	-3,190,000	-3,552,000	-3,549,000	-4,356,000	-5,880,000	-5,696,000	-5,216,000	-2,457,000
cash transfer revenues																																														43,437,000	44,085,000	45,491,000	46,276,000	46,198,000	47,193,000	45,633,000	44,335,000	43,511,000	41,832,000	40,246,000	39,643,000	35,883,000	34,724,000	32,387,000	31,149,000	27,872,000	26,484,000	24,364,000
net income allocated to common stockholders																																														-101,000	12,255,000	12,640,000	13,023,000	908,000	5,156,000	9,506,000	13,093,000	6,385,000	8,909,000	9,970,000	14,344,000	13,451,000	13,303,000	12,070,000	12,701,000	9,373,000	7,716,000	4,591,000
class a common stock																																																		20	140	260	360	180	250	280	400	330	320	290	300	190	220	320
class b common stock																																																		20	140	260	360	180	250	280	400	330	320	290	300	190	220	320
card revenues																																																										39,553,500	49,966,000	53,924,000	54,324,000	42,397,000	40,592,000	42,228,000
dividends, accretion, and allocated earnings of preferred stock																																																														1,435,000	-1,255,000	-7,917,000
basic weighted-average common shares issued and outstanding
diluted weighted-average common shares issued and outstanding

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30

assets
current assets:
unrestricted cash and cash equivalents	1,646,382,000	1,421,690,000	1,637,321,000	2,312,518,000	1,772,845,000	1,592,391,000	1,453,549,000	1,316,999,000	1,118,804,000	682,263,000	711,399,000	661,452,000	722,003,000	813,945,000	813,210,000	776,305,000	1,320,743,000	1,322,319,000	1,804,826,000	1,891,100,000	2,711,791,000	1,491,842,000	2,136,375,000	1,931,467,000	1,563,740,000	1,063,426,000	861,275,000	1,096,498,000	1,676,470,000	1,094,728,000	1,037,617,000	1,117,937,000	1,268,137,000	919,243,000	708,265,000	594,538,000	785,838,000	732,676,000	597,532,000	570,119,000	739,751,000	772,128,000	606,674,000	763,870,000	878,244,000	724,158,000	632,640,000	679,519,000	747,649,000	423,498,000	328,879,000	406,110,000	370,159,000	293,590,000	164,418,000	121,349,000	117,644,000	223,033,000	198,294,000	172,961,000	192,736,000	167,503,000	135,581,000	114,984,000
restricted cash	31,000	44,000	44,000	44,000	43,000	44,000	44,000	218,000	226,000	4,239,000	4,036,000	4,000,000	4,006,000	5,900,000	5,862,000	6,173,000	5,899,000	3,321,000	4,150,000	4,206,000	4,900,000	4,859,000	5,693,000	5,944,000	2,567,000	2,728,000	3,103,000	4,117,000	4,355,000	490,000	559,000	757,000	86,608,000	90,852,000	62,374,000	49,360,000	20,057,000	12,085,000	40,137,000	8,921,000	6,374,000	5,793,000	6,512,000	4,665,000	4,841,000	2,015,000	3,866,000	3,841,000	2,287,000	2,970,000	667,000	637,000	634,000	634,000	12,784,000	13,048,000	13,041,000	12,926,000	10,294,000	10,294,000	10,294,000	5,135,000	5,163,000	5,152,000
settlement assets	879,485,000	947,497,000	718,189,000	679,542,000	680,007,000	616,172,000	587,106,000	915,816,000	876,101,000	737,989,000	654,020,000	523,606,000	482,976,000	493,395,000	409,174,000	498,061,000	500,258,000	320,377,000	452,602,000	384,200,000	416,753,000	782,262,000	344,299,000	312,401,000	281,197,000	239,222,000	193,032,000	334,788,000	339,220,000	153,992,000	291,113,000	208,151,000	179,520,000	209,399,000	163,866,000	131,412,000	116,352,000	137,083,000	84,918,000	121,180,000	108,694,000	69,165,000	45,782,000	46,855,000	45,904,000	148,694,000	55,684,000	63,863,000	60,812,000	37,004,000	38,400,000	48,694,000	48,459,000	36,127,000	43,650,000	35,493,000	34,647,000	27,355,000	23,280,000	17,070,000	19,133,000	19,968,000	11,784,000	10,915,000
accounts receivable	196,342,000	197,248,000	145,822,000	103,069,000	128,644,000	132,007,000	84,635,000	75,881,000	89,325,000	110,141,000	66,000,000	61,109,000	57,234,000	74,437,000	67,352,000	67,380,000	68,600,000	80,401,000	74,474,000	58,299,000	76,276,000	67,755,000	44,175,000	46,562,000	61,590,000	59,543,000	34,939,000	28,199,000	34,108,000	40,942,000	27,405,000	24,840,000	29,337,000	35,277,000	21,456,000	15,843,000	21,319,000	40,150,000	24,879,000	28,449,000	27,652,000	42,153,000	21,775,000	23,193,000	38,154,000	48,904,000	33,179,000	33,488,000	33,148,000	46,384,000	48,208,000	46,035,000	50,561,000	40,441,000	43,428,000	44,637,000	46,996,000	41,307,000	30,399,000	29,320,000	30,871,000	33,412,000	23,985,000	25,719,000
prepaid expenses and other assets	106,924,000	73,275,000	55,489,000	52,377,000	62,706,000	63,424,000	49,459,000	51,734,000	79,853,000	69,419,000	64,888,000	57,123,000	63,878,000	78,155,000	64,668,000	62,893,000	65,916,000	81,380,000	62,764,000	61,795,000	69,436,000	66,705,000	54,278,000	57,694,000	57,071,000	66,183,000	46,624,000	49,548,000	49,010,000	57,070,000	46,150,000	42,057,000	53,219,000	47,086,000	36,111,000	32,725,000	32,266,000	32,186,000	27,800,000	30,800,000	37,012,000	30,511,000	36,954,000	30,142,000	26,326,000	23,992,000	28,009,000	24,366,000	30,134,000	27,332,000	26,310,000	14,926,000	25,204,000	31,952,000	21,417,000	22,781,000	15,648,000	12,248,000	10,887,000	9,217,000	8,414,000	8,608,000	6,776,000	5,139,000
income tax receivable	422,000	589,000	12,661,000	7,447,000			1,322,000	1,839,000							721,000	644,000		1,354,000	990,000	611,000			961,000	1,364,000	1,584,000	870,000				8,772,000	5,071,000			7,459,000				12,570,000	8,955,000			6,434,000				16,290,000	5,186,000	1,617,000	6,936,000	15,573,000	3,590,000			7,386,000	825,000	2,705,000	1,612,000	3,371,000	6,811,000	4,237,000	8,670,000	15,004,000
total current assets	2,829,586,000	2,640,343,000	2,569,526,000	3,154,997,000	2,746,282,000	2,428,190,000	2,219,372,000	2,424,826,000	2,224,426,000	1,637,910,000	1,539,924,000	1,322,846,000	1,345,757,000	1,465,832,000	1,360,987,000	1,411,456,000	1,961,416,000	1,809,152,000	2,399,806,000	2,400,211,000	3,279,156,000	2,413,423,000	2,585,781,000	2,355,432,000	1,977,752,000	1,441,992,000	1,154,000,000	1,533,167,000	2,123,144,000	1,375,954,000	1,422,861,000	1,408,742,000	1,632,696,000	1,321,205,000	1,014,405,000	854,935,000	1,000,437,000	1,013,436,000	823,573,000	808,383,000	975,576,000	975,291,000	798,564,000	945,952,000	1,024,431,000	1,011,183,000	895,209,000	899,344,000	981,880,000	666,073,000	587,054,000	622,735,000	600,464,000	530,219,000	356,005,000	308,449,000	294,938,000	337,025,000	296,788,000	263,704,000	272,744,000	249,893,000	182,461,000	164,203,000
investment securities available-for-sale, at fair value	2,969,954,000				102,037,000	24,152,000	43,257,000	62,339,000	60,117,000	33,859,000	39,581,000	15,556,000	15,660,000	2,363,687,000	2,393,796,000	2,391,350,000	2,168,888,000	2,115,501,000	1,188,216,000	1,090,513,000	996,215,000				10,003,000	10,020,000	15,027,000	20,017,000	19,981,000	19,960,000	14,946,000	15,000,000	15,875,000	11,889,000	22,333,000	31,057,000	24,605,000	46,686,000	39,352,000	48,914,000	56,092,000	49,106,000	80,386,000	76,746,000	30,482,000	46,650,000	136,157,000	92,158,000	103,011,000	116,159,000	138,407,000	103,713,000	100,742,000	115,244,000	72,611,000	73,063,000	69,744,000	20,647,000	22,190,000	14,039,000
loans to bank customers, net of allowance for credit losses of 21,645 and 21,053 as of march 31, 2026 and december 31, 2025, respectively	47,464,000
property, equipment, and internal-use software	198,978,000	198,352,000	200,691,000	198,134,000	194,604,000	188,363,000	181,386,000	175,210,000	175,125,000	179,376,000	174,570,000	171,589,000	166,038,000	160,222,000	150,256,000	138,645,000	139,308,000	135,341,000	132,276,000	130,821,000	130,713,000	133,400,000	145,932,000	148,258,000
operating lease right-of-use assets	999,000	1,053,000	2,896,000	9,426,000	10,091,000	10,823,000	3,801,000	3,869,000	4,614,000	5,342,000	5,986,000	6,685,000	7,685,000	8,316,000	8,880,000	9,158,000	10,305,000	10,967,000	11,308,000	12,024,000	13,051,000	13,134,000	21,745,000	23,476,000	25,043,000	26,373,000	28,877,000	31,251,000	15,480,000
deferred expenses	727,000	789,000	813,000	868,000	985,000	1,242,000	1,226,000	1,211,000	1,404,000	1,546,000	1,601,000	1,792,000	7,339,000	14,547,000	6,493,000	7,293,000	11,068,000	16,855,000	7,379,000	8,688,000	12,241,000	18,332,000	6,860,000	6,910,000	10,502,000	16,891,000	6,763,000	7,567,000	13,033,000	21,201,000	8,008,000	9,348,000	14,608,000	21,791,000	10,668,000	10,444,000	14,128,000	16,647,000	6,210,000	6,191,000	9,396,000	14,509,000	5,979,000	7,805,000	11,526,000	17,326,000	9,187,000	9,067,000	11,891,000	15,439,000	6,946,000	7,722,000	9,784,000	12,510,000	6,923,000	7,217,000	9,771,000	12,604,000	7,831,000	7,187,000	7,976,000	9,504,000	5,894,000	5,642,000
net deferred tax assets	79,585,000	92,188,000	90,509,000	96,155,000	102,639,000	124,405,000	128,263,000	148,310,000	129,314,000	117,139,000	132,160,000	118,841,000	111,009,000	117,167,000	107,536,000	73,362,000	49,105,000	15,048,000	18,683,000	17,499,000	19,992,000	12,739,000	9,097,000	9,097,000	9,097,000	9,037,000	10,867,000	10,984,000	11,275,000	7,867,000	6,691,000	6,620,000	6,639,000	6,507,000	4,651,000	4,648,000	4,648,000	4,648,000	3,471,000	3,572,000	3,580,000	3,864,000	8,236,000	8,557,000	2,648,000	6,268,000	3,334,000	3,304,000	3,335,000		2,338,000	2,338,000	2,338,000	2,478,000	6,656,000	6,650,000	6,671,000	6,664,000	4,927,000	4,911,000	4,937,000	5,398,000	4,335,000	4,335,000
goodwill and intangible assets	368,995,000	374,401,000	380,451,000	385,937,000	392,069,000	397,941,000	403,265,000	407,913,000	414,067,000	420,477,000	425,856,000	431,154,000	438,854,000	445,083,000	449,714,000	455,719,000	460,130,000	466,943,000	474,344,000	476,890,000	484,322,000	491,778,000	499,014,000	506,117,000	513,324,000	520,994,000	528,861,000	534,964,000	542,941,000	551,116,000	557,790,000	565,965,000	574,141,000	582,377,000	590,561,000	598,745,000	600,800,000	451,051,000	456,796,000	462,541,000	468,286,000	473,779,000	478,619,000	484,383,000	494,457,000	417,200,000	50,763,000	51,055,000	30,644,000	30,676,000	30,708,000	30,740,000	30,772,000	30,804,000	43,514,000	43,540,000
total assets	6,650,615,000	5,985,236,000	5,767,200,000	5,583,464,000	5,727,885,000	5,434,282,000	5,285,287,000	5,517,354,000	5,321,024,000	4,817,122,000	4,663,573,000	4,572,905,000	4,686,257,000	4,789,176,000	4,692,533,000	4,707,872,000	5,028,557,000	4,725,477,000	4,391,349,000	4,288,564,000	5,035,398,000	4,115,267,000	3,638,909,000	3,352,721,000	3,046,449,000	2,460,590,000	2,127,913,000	2,502,048,000	3,066,146,000	2,287,118,000	2,344,060,000	2,300,979,000	2,488,985,000	2,197,531,000	1,895,300,000	1,744,851,000	1,880,093,000	1,740,344,000	1,569,344,000	1,528,687,000	1,684,710,000	1,691,448,000	1,521,347,000	1,665,520,000	1,723,549,000	1,623,640,000	1,116,205,000	1,113,821,000	1,152,679,000	875,474,000	803,173,000	808,469,000	786,968,000	725,728,000	561,101,000	490,883,000	473,835,000	425,859,000	351,797,000	321,924,000	313,829,000	285,758,000	213,379,000	192,888,000
liabilities and stockholders’ equity
current liabilities:
accounts payable	101,432,000	114,714,000	107,098,000	111,557,000	116,449,000	103,765,000	95,043,000	99,462,000	107,826,000	119,870,000	109,402,000	106,135,000	112,121,000	113,891,000	115,571,000	87,140,000	66,605,000	51,353,000	41,956,000	39,032,000	56,180,000	34,823,000	28,831,000	27,351,000	37,366,000	37,876,000	47,334,000	35,015,000	47,072,000	38,631,000	30,205,000	39,693,000	32,398,000	34,863,000	26,688,000	27,462,000	27,719,000	22,856,000	15,457,000	15,720,000	21,823,000	37,186,000	15,563,000	19,729,000	24,793,000	36,444,000	23,275,000	19,902,000	25,654,000	34,940,000	21,047,000	15,860,000	18,933,000	31,411,000	30,520,000	26,103,000	29,930,000	15,441,000	19,479,000	15,942,000	20,259,000	17,625,000
deposits	4,528,541,000	4,416,294,000	4,215,340,000	4,096,701,000	4,166,873,000	4,010,520,000	3,837,906,000	3,904,994,000	3,743,301,000	3,293,603,000	3,193,855,000	3,234,606,000	3,344,903,000	3,450,105,000	3,476,643,000	3,376,004,000	3,605,722,000	3,286,889,000	2,959,386,000	2,864,782,000	3,594,984,000	2,735,116,000	2,282,674,000	2,000,570,000	1,616,355,000	1,175,341,000	888,870,000	1,171,676,000	1,624,732,000	1,005,485,000	1,006,202,000	1,068,067,000	1,293,272,000	1,022,180,000	834,684,000	704,324,000	826,361,000	737,414,000	592,975,000	558,046,000	636,934,000	652,145,000	500,022,000	608,081,000	644,273,000	565,401,000	441,860,000	459,594,000	526,349,000	219,580,000	189,261,000	201,359,000	222,022,000	198,451,000	38,529,000	32,923,000	39,472,000	38,957,000
obligations to customers	294,643,000	284,978,000	247,221,000	231,229,000	234,879,000	236,616,000	215,588,000	368,590,000	356,529,000	314,278,000	362,109,000	236,068,000	200,102,000	218,239,000	169,107,000	182,507,000	214,587,000	124,221,000	122,522,000	129,641,000	129,385,000	95,375,000	93,693,000	88,508,000	84,044,000	69,377,000	65,959,000	169,139,000	189,671,000	58,370,000	144,278,000	75,269,000	69,874,000	95,354,000	60,715,000	44,554,000	34,269,000	46,043,000	42,280,000	35,301,000	51,056,000	61,300,000	84,762,000	55,321,000	70,797,000	98,052,000	72,137,000	79,391,000	78,313,000	65,449,000	56,871,000	67,749,000	61,204,000	46,156,000
settlement obligations	62,048,000	52,916,000	53,171,000	57,261,000	77,468,000	48,482,000	50,821,000	67,542,000	66,178,000	57,001,000	48,670,000	31,368,000	28,545,000	40,691,000	23,332,000	15,017,000	506,000	15,682,000	12,705,000	11,252,000	13,722,000	17,759,000	9,708,000	10,696,000	5,892,000	13,251,000	11,928,000	27,509,000	20,351,000	5,788,000	14,885,000	13,078,000	11,672,000	6,956,000	5,153,000	4,353,000	4,189,000	4,877,000	3,866,000	2,947,000	4,771,000	5,074,000	3,674,000	4,300,000	4,288,000	4,484,000	3,118,000	4,063,000	2,437,000	4,839,000	10,206,000	17,617,000	16,940,000	3,639,000	43,650,000	35,493,000	34,647,000	27,355,000	23,280,000	17,070,000	19,133,000	19,968,000	11,784,000	10,915,000
other accrued liabilities	150,941,000	153,752,000	159,133,000	86,749,000	91,200,000	87,675,000	94,844,000	124,645,000	110,405,000	91,239,000	88,219,000	91,932,000	89,916,000	98,580,000	91,452,000	97,800,000	109,200,000	128,294,000	120,455,000	120,427,000	143,168,000	145,359,000	137,478,000	133,256,000	118,602,000	107,842,000	91,329,000	82,293,000	120,056,000	134,000,000	137,516,000	108,600,000	105,640,000	123,397,000	92,856,000	94,671,000	92,999,000	102,426,000	96,513,000	102,305,000	95,910,000	87,635,000	63,100,000	69,901,000	74,678,000	79,137,000	51,647,000	48,334,000	42,349,000	35,878,000	27,172,000	30,562,000	29,089,000	29,469,000	32,186,000	23,000,000	19,573,000	16,248,000	14,232,000	15,305,000	24,375,000	21,633,000	14,071,000	14,565,000
operating lease liabilities	375,000	325,000	1,424,000	2,875,000	2,260,000	2,416,000	2,118,000	2,650,000	3,388,000	3,369,000	3,312,000	3,151,000	3,207,000	3,167,000	3,145,000	4,540,000	5,832,000	6,918,000	7,516,000	7,329,000	8,421,000	8,175,000	8,080,000	8,075,000	8,052,000	8,764,000	7,811,000	7,990,000	5,909,000
deferred revenue	4,351,000	4,224,000	4,775,000	4,722,000	4,797,000	6,279,000	7,181,000	6,064,000	5,628,000	6,343,000	6,306,000	7,990,000	15,298,000	25,029,000	14,365,000	15,096,000	20,167,000	28,903,000	14,576,000	16,254,000	21,531,000	28,584,000	13,570,000	13,448,000	19,094,000	28,355,000	15,583,000	16,072,000	24,034,000	34,607,000	18,195,000	19,642,000	22,999,000	30,875,000	14,171,000	13,665,000	18,791,000	25,005,000	10,421,000	10,227,000	15,468,000	22,901,000	10,200,000	13,749,000	18,825,000	24,418,000	12,985,000	14,173,000	18,363,000	24,517,000	13,663,000	16,824,000	14,852,000	19,557,000	10,996,000	11,862,000	16,054,000	21,500,000	13,077,000	12,698,000	14,677,000	17,214,000	11,227,000	11,648,000
federal home loan bank advances	500,000,000
income tax payable	2,433,000	2,366,000	222,000	359,000	14,337,000	6,648,000	2,497,000	8,307,000	8,509,000	6,262,000	4,305,000	13,957,000	21,219,000	11,641,000	8,116,000	12,106,000	10,919,000	291,000	11,265,000	10,795,000	19,246,000	12,146,000	12,695,000	20,035,000	16,607,000	3,948,000	17,519,000	12,247,000	7,040,000	67,000	68,000	49,000	2,818,000	74,000	2,201,000	12,012,000	9,080,000			4,950,000	12,212,000		171,000	11,213,000	7,819,000							6,204,000	446,000										2,986,000
total current liabilities	5,644,764,000	5,029,569,000	4,788,384,000	4,591,453,000	4,708,263,000	4,502,485,000	4,306,082,000	4,644,338,000	4,446,875,000	3,953,190,000	3,816,370,000	3,725,344,000	3,815,645,000	3,961,671,000	3,902,347,000	3,790,606,000	4,034,017,000	3,643,064,000	3,290,819,000	3,200,010,000	3,986,914,000	3,077,572,000	2,587,021,000	2,302,194,000	1,906,303,000	1,480,134,000	1,146,889,000	1,522,483,000	2,040,235,000	1,337,334,000	1,374,529,000	1,347,123,000	1,560,818,000	1,335,976,000	1,058,675,000	923,227,000	1,085,633,000	960,798,000	784,096,000	751,993,000	860,609,000	888,274,000	705,224,000	810,768,000	873,723,000	835,655,000	609,578,000	629,712,000	697,351,000	438,849,000	370,480,000	408,314,000	416,664,000	379,407,000	228,135,000	175,032,000	182,623,000	161,654,000	110,916,000	100,963,000	116,682,000	111,508,000	84,580,000	82,127,000
notes payable	63,640,000	63,541,000	63,442,000	63,341,000	63,242,000	48,526,000	43,675,000
total liabilities	5,710,115,000	5,094,991,000	4,853,911,000	4,662,582,000	4,780,222,000	4,560,697,000	4,353,042,000	4,647,403,000	4,450,378,000	3,957,772,000	3,868,452,000	3,731,666,000	3,825,657,000	4,007,695,000	3,912,387,000	3,800,300,000	4,044,613,000	3,654,804,000	3,309,410,000	3,220,864,000	4,011,909,000	3,105,435,000	2,630,036,000	2,348,496,000	2,058,444,000	1,533,234,000	1,200,729,000	1,580,135,000	2,087,431,000	1,377,306,000	1,452,330,000	1,424,266,000	1,653,694,000	1,432,981,000	1,155,284,000	1,026,612,000	1,196,066,000	1,056,611,000	894,887,000	864,567,000	988,792,000	1,028,126,000	857,075,000	967,272,000	1,036,142,000	994,650,000	640,933,000	661,827,000	726,577,000	473,225,000	412,350,000	440,601,000	438,482,000	397,964,000	246,804,000	191,056,000	195,009,000	172,663,000	121,274,000	111,308,000	125,364,000	120,627,000	92,914,000	89,824,000
commitments and contingencies
stockholders’ equity:
class a common stock, 0.001 par value...	57,000	56,000	56,000	55,000	55,000	55,000	54,000	54,000	53,000	53,000	52,000	52,000	52,000	52,000	53,000	54,000	54,000	55,000	55,000	55,000	54,000	54,000	53,000	53,000	53,000	52,000	52,000	52,000	53,000	53,000	53,000	52,000	52,000	51,000	51,000			51,000				51,000				51,000				38,000	37,000	32,000	32,000	31,000	31,000	31,000	30,000	30,000	23,000	23,000	22,000	13,000	5,000
additional paid-in capital	427,915,000	427,477,000	421,866,000	416,767,000	408,602,000	408,010,000	400,769,000	392,810,000	383,205,000	375,980,000	368,222,000	360,812,000	347,385,000	340,575,000	357,050,000	376,902,000	388,299,000	401,055,000	386,465,000	375,551,000	364,926,000	354,460,000	329,967,000	323,083,000	306,151,000	296,224,000	297,593,000	291,958,000	384,447,000	380,753,000	378,103,000	367,454,000	356,052,000	354,789,000	342,770,000	334,434,000	319,468,000	358,155,000	346,951,000	338,597,000	378,722,000	379,376,000	406,052,000	408,522,000	400,814,000	383,296,000	228,710,000	219,258,000	207,763,000	199,251,000	188,804,000	172,007,000	163,783,000	158,656,000	152,783,000	148,986,000	139,918,000	131,383,000	122,760,000	116,125,000	106,068,000	95,433,000	58,706,000	16,523,000
retained earnings	698,489,000	644,736,000	691,559,000	722,350,000	769,375,000	743,602,000	738,499,000	746,339,000	775,054,000	770,304,000	793,907,000	800,172,000	799,594,000	763,582,000	757,698,000	753,002,000	737,994,000	699,370,000	709,893,000	702,558,000	677,625,000	651,890,000	675,906,000	678,898,000	675,604,000	629,040,000	627,347,000	627,878,000	593,186,000	529,143,000	514,871,000	510,298,000	480,471,000	410,440,000	397,582,000	383,943,000	364,677,000	325,708,000	327,053,000	325,013,000	316,986,000	284,108,000	290,181,000	290,002,000	286,506,000	245,693,000	246,539,000	232,648,000	218,305,000	203,000,000	201,964,000	195,851,000	184,556,000	168,960,000	161,361,000	150,748,000	138,857,000	121,741,000	107,732,000	94,429,000	82,359,000	69,658,000	61,720,000	52,749,000
accumulated other comprehensive loss	-185,961,000	-182,024,000	-200,192,000	-218,290,000	-230,369,000	-278,082,000	-207,077,000	-269,252,000	-287,666,000	-286,987,000	-367,060,000	-319,797,000	-286,431,000	-322,728,000	-334,655,000	-222,386,000	-142,403,000													-137,000	-1,297,000	-1,091,000	-1,284,000	-730,000	-387,000	-188,000	-168,000	-181,000				-215,000	-15,000	-330,000		-52,000	-22,000		-10,000										-9,000		-2,000
total stockholders’ equity	940,500,000	890,245,000	913,289,000	920,882,000	947,663,000	873,585,000	932,245,000	869,951,000	870,646,000	859,350,000	795,121,000	841,239,000	860,600,000	781,481,000	780,146,000	907,572,000	983,944,000	1,070,673,000	1,081,939,000	1,067,700,000	1,023,489,000	1,009,832,000	1,008,873,000	1,004,225,000	988,005,000	927,356,000	927,184,000	921,913,000	978,715,000	909,812,000	891,730,000	876,713,000	835,291,000	764,550,000	740,016,000	718,239,000	684,027,000	683,733,000	674,457,000	664,120,000	695,918,000	663,322,000	664,272,000	698,248,000	687,407,000	628,990,000	475,272,000	451,994,000	426,102,000	402,249,000	390,823,000	367,868,000	348,486,000	327,764,000	314,297,000	299,827,000	278,826,000	253,196,000	230,523,000	210,616,000	188,465,000	165,131,000	120,465,000	100,607,000
total liabilities and stockholders’ equity	6,650,615,000	5,985,236,000	5,767,200,000	5,583,464,000	5,727,885,000	5,434,282,000	5,285,287,000	5,517,354,000	5,321,024,000	4,817,122,000	4,663,573,000	4,572,905,000	4,686,257,000	4,789,176,000	4,692,533,000	4,707,872,000	5,028,557,000	4,725,477,000	4,391,349,000	4,288,564,000	5,035,398,000	4,115,267,000	3,638,909,000	3,352,721,000	3,046,449,000	2,460,590,000	2,127,913,000	2,502,048,000	3,066,146,000	2,287,118,000	2,344,060,000	2,300,979,000	2,488,985,000	2,197,531,000	1,895,300,000	1,744,851,000	1,880,093,000	1,740,344,000	1,569,344,000	1,528,687,000	1,684,710,000	1,691,448,000	1,521,347,000	1,665,520,000	1,723,549,000	1,623,640,000	1,116,205,000	1,113,821,000	1,152,679,000	875,474,000	803,173,000	808,469,000	786,968,000	725,728,000	561,101,000	490,883,000	473,835,000	425,859,000	351,797,000	321,924,000	313,829,000	285,758,000	213,379,000
loans to bank customers, net of allowance for credit losses of 21,053 and 17,542 as of december 31, 2025 and 2024, respectively		55,700,000
amounts due to card issuing banks for overdrawn accounts						84,000	84,000	84,000	111,000	225,000	192,000	137,000	334,000	328,000	616,000	396,000	479,000	513,000	438,000	498,000	277,000	235,000	292,000	255,000	291,000	380,000	556,000	542,000	1,370,000	1,681,000	2,274,000	1,819,000	1,239,000	1,371,000	1,301,000	1,220,000	1,259,000	1,211,000	1,618,000	1,531,000	1,469,000	1,067,000	980,000	1,721,000	2,393,000	1,224,000	846,000	539,000	170,000	49,930,000	52,260,000	52,139,000	53,178,000	50,724,000	49,117,000	45,651,000	42,947,000	42,153,000	40,848,000	39,948,000	38,238,000	35,068,000	33,181,000	31,975,000
loans to bank customers, net of allowance for credit losses of 21,988 and 17,542 as of september 30, 2025 and december 31, 2024, respectively			37,139,000
loans to bank customers, net of allowance for credit losses of 22,406 and 17,542 as of june 30, 2025 and december 31, 2024, respectively				34,616,000
loans to bank customers, net of allowance for credit losses of 22,356 and 17,542 as of march 31, 2025 and december 31, 2024, respectively					38,710,000
loans to bank customers, net of allowance for credit losses of 17,542 and 11,383 as of december 31, 2024 and 2023, respectively						31,961,000
line of credit								62,000,000	45,000,000	61,000,000	27,000,000			35,000,000											100,000,000
loans to bank customers, net of allowance for credit losses of 17,778 and 11,383 as of september 30, 2024 and december 31, 2023, respectively							33,380,000
loans to bank customers, net of allowance for credit losses of 17,360 and 11,383 as of june 30, 2024 and december 31, 2023, respectively								34,687,000
loans to bank customers, net of allowance for credit losses of 10,376 and 11,383 as of march 31, 2024 and december 31, 2023, respectively									39,629,000
loans to bank customers, net of allowance for credit losses of 11,383 and 9,078 as of december 31, 2023 and 2022, respectively										30,534,000
loans to bank customers, net of allowance for loan losses of 15,552 and 9,078 as of september 30, 2023 and december 31, 2022, respectively											27,638,000
loans to bank customers, net of allowance for loan losses of 12,641 and 9,078 as of june 30, 2023 and december 31, 2022, respectively												29,966,000
loans to bank customers, net of allowance for loan losses of 13,254 and 9,078 as of march 31, 2023 and december 31, 2022, respectively													31,705,000
loans to bank customers, net of allowance for credit losses of 9,078 and 5,555 as of december 31, 2022 and 2021, respectively														21,421,000
loans to bank customers, net of allowance for loan losses of 9,413 and 5,555 as of september 30, 2022 and december 31, 2021, respectively															20,600,000
loans to bank customers, net of allowance for loan losses of 10,204 and 5,555 as of june 30, 2022 and december 31, 2021, respectively																21,097,000
loans to bank customers, net of allowance for loan losses of 9,058 and 5,555 as of march 31, 2022 and december 31, 2021, respectively																	24,663,000
loans to bank customers, net of allowance for credit losses of 5,555 and 757 as of december 31, 2021 and 2020, respectively																		19,270,000
net deferred tax liabilities																			7,192,000	7,192,000	7,192,000	7,192,000	17,984,000	17,843,000	19,048,000	17,772,000	12,796,000	12,796,000	12,796,000	9,045,000	7,791,000	7,791,000	7,786,000	7,780,000	3,683,000	3,779,000	3,782,000	3,763,000	1,086,000	1,634,000	1,505,000	1,272,000	4,252,000	4,253,000	3,357,000	3,995,000	3,710,000	3,716,000	3,716,000	3,716,000					6,295,000	6,270,000	4,778,000	4,751,000	5,010,000	5,010,000	5,010,000	5,338,000	3,886,000	3,886,000
accumulated other comprehensive income																		-29,807,000	-14,474,000	-10,464,000	-19,116,000	3,428,000	2,947,000	2,191,000	6,197,000	2,040,000	2,192,000	2,025,000	1,029,000										403,000	459,000	158,000				33,000			43,000		-47,000	11,000	-33,000	104,000	106,000	110,000	50,000	9,000	30,000		22,000
loans to bank customers, net of allowance for loan losses of 7,451 and 757 as of september 30, 2021 and december 31, 2020, respectively																			28,157,000
loans to bank customers, net of allowance for loan losses of 6,693 and 757 as of june 30, 2021 and december 31, 2020, respectively																				27,355,000
loans to bank customers, net of allowance for loan losses of 1,531 and 757 as of march 31, 2021 and december 31, 2020, respectively																					26,089,000
loans to bank customers, net of allowance for loan losses of 757 and 1,166 as of december 31, 2020 and 2019, respectively																						21,011,000
loans to bank customers, net of allowance for loan losses of 642 and 1,166 as of september 30, 2020 and december 31, 2019, respectively																							20,423,000
loans to bank customers, net of allowance for loan losses of 570 and 1,166 as of june 30, 2020 and december 31, 2019, respectively																								19,551,000
loans to bank customers, net of allowance for loan losses of 1,057 and 1,166 as of march 31, 2020 and december 31, 2019, respectively																									19,641,000
property and equipment																									147,530,000	145,476,000	139,246,000	131,710,000	126,954,000	120,269,000	110,205,000	104,716,000	100,358,000	97,282,000	91,623,000	88,026,000	88,428,000	82,621,000	81,615,000	80,076,000	79,128,000	78,877,000	78,086,000	76,705,000	79,809,000	77,284,000	62,804,000	61,339,000	56,761,000	60,473,000	62,599,000	58,363,000	58,098,000	58,376,000	52,205,000	36,006,000	31,471,000	27,281,000	24,838,000	22,345,000	19,659,000	18,034,000	16,045,000	14,734,000
loans to bank customers, net of allowance for loan losses of 1,166 and 1,144 as of december 31, 2019 and 2018, respectively																										21,417,000
debt																										35,000,000
loans to bank customers, net of allowance for loan losses of 1,558 and 1,144 as of september 30, 2019 and december 31, 2018, respectively																											20,906,000
note payable																														58,705,000	20,906,000	20,906,000	20,906,000	20,906,000	20,906,000	20,966,000	70,966,000	20,966,000	20,966,000	20,966,000	20,966,000	20,966,000	22,500,000	22,500,000	22,500,000	22,500,000
loans to bank customers, net of allowance for loan losses of 970 and 1,144 as of june 30, 2019 and december 31, 2018, respectively																												21,403,000
loans to bank customers, net of allowance for loan losses of 948 and 1,144 as of march 31, 2019 and december 31, 2018, respectively																													18,943,000
loans to bank customers, net of allowance for loan losses of 1,144 and 291 as of december 31, 2018 and 2017, respectively																														21,363,000
loans to bank customers, net of allowance for loan losses of 1,334 and 291 as of september 30, 2018 and december 31, 2017, respectively																															21,917,000
loans to bank customers, net of allowance for loan losses of 1,173 and 291 as of june 30, 2018 and december 31, 2017, respectively																																21,628,000
loans to bank customers, net of allowance for loan losses of 451 and 291 as of march 31, 2018 and december 31, 2017, respectively																																	19,713,000
loans to bank customers, net of allowance for loan losses of 291 and 277 as of december 31, 2017 and 2016, respectively																																		18,570,000
loans to bank customers, net of allowance for loan losses of 237 and 277 as of september 30, 2017 and december 31, 2016, respectively																																			19,791,000
investment securities, available-for-sale, at fair value																																				172,639,000	159,204,000		180,624,000	158,436,000	138,368,000		133,500,000	122,433,000	89,801,000	73,781,000	77,319,000	78,237,000	57,201,000	82,585,000	97,779,000	68,754,000	62,443,000	68,543,000	73,777,000
loans to bank customers, net of allowance for loan losses of 319 and 277 as of june 30, 2017 and december 31, 2016, respectively																																				8,822,000
class a common stock																																				50,000	50,000		50,000	49,000	50,000		52,000	52,000	52,000		40,000	40,000	39,000
loans to bank customers, net of allowance for loan losses of 281 and 277 as of march 31, 2017 and december 31, 2016, respectively																																					7,258,000
federal funds sold																																									1,000	1,000	481,000	481,000	480,000	480,000	488,000	492,000	190,000	123,000	922,000	919,000	3,001,000	3,001,000	3,000,000	1,771,000	1,976,000	2,400,000
loans to bank customers, net of allowance for loan losses of 277 and 426 as of december 31, 2016 and 2015, respectively																																						6,059,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized as of december 31, 2016 and 2015; 0 and 2 shares issued and outstanding as of december 31, 2016 and 2015, respectively
loans to bank customers, net of allowance for loan losses of 272 and 426 as of september 30, 2016 and december 31, 2015, respectively																																							5,697,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of september 30, 2016 and december 31, 2015; 0 and 2 shares issued and outstanding as of september 30, 2016 and december 31, 2015, respectively
loans to bank customers, net of allowance for loan losses of 266 and 426 as of june 30, 2016 and december 31, 2015, respectively																																								5,894,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of june 30, 2016 and december 31, 2015; 2 shares issued and outstanding as of june 30, 2016 and december 31, 2015																																								2,000
loans to bank customers, net of allowance for loan losses of 278 and 426 as of march 31, 2016 and december 31, 2015, respectively																																									6,274,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of march 31, 2016 and december 31, 2015; 2 shares issued and outstanding as of march 31, 2016 and december 31, 2015																																									2,000
loans to bank customers, net of allowance for loan losses of 426 and 444 as of december 31, 2015 and 2014, respectively																																										6,279,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized as of december 31, 2015 and 2014; 2 shares issued and outstanding as of december 31, 2015 and 2014																																										2,000
loans to bank customers, net of allowance for loan losses of 413 and 444 as of september 30, 2015 and december 31, 2014, respectively																																											6,607,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of september 30, 2015 and december 31, 2014; 2 shares issued and outstanding as of september 30, 2015 and december 31, 2014, respectively																																											2,000
treasury stock																																											-32,000,000
loans to bank customers, net of allowance for loan losses of 377 and 444 as of june 30, 2015 and december 31, 2014, respectively																																												6,451,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of june 30, 2015 and december 31, 2014; 2 shares issued and outstanding as of june 30, 2015 and december 31, 2014, respectively																																												2,000
loans to bank customers, net of allowance for loan losses of 340 and 444 as of march 31, 2015 and december 31, 2014, respectively																																													6,815,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of march 31, 2015 and december 31, 2014; 2 shares issued and outstanding as of march 31, 2015 and december 31, 2014, respectively																																													2,000
loans to bank customers, net of allowance for loan losses of 444 and 464 as of december 31, 2014 and 2013, respectively																																														6,550,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized as of december 31, 2014 and 2013; 2 and 7 shares issued and outstanding as of december 31, 2014 and 2013, respectively																																														2,000
loans to bank customers, net of allowance for loan losses of 435 and 464 as of september 30, 2014 and december 31, 2013, respectively																																															6,817,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of september 30, 2014 and december 31, 2013; 5 and 7 shares issued and outstanding as of september 30, 2014 and december 31, 2013, respectively																																															5,000
loans to bank customers, net of allowance for loan losses of 414 and 464 as of june 30, 2014 and december 31, 2013, respectively																																																6,680,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of june 30, 2014 and december 31, 2013; 5 and 7 shares issued and outstanding as of june 30, 2014 and december 31, 2013, respectively																																																5,000
loans to bank customers, net of allowance for loan losses of 435 and 464 as of march 31, 2014 and december 31, 2013, respectively																																																	6,566,000
convertible series a preferred stock, 0.001 par value (as converted): 10 shares authorized as of march 31, 2014 and december 31, 2013; 5 and 7 shares issued and outstanding as of march 31, 2014 and december 31, 2013, respectively																																																	5,000
loans to bank customers, net of allowance for loan losses of 464 and 475 as of december 31, 2013 and december 31, 2012, respectively																																																		6,902,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized and 7 shares issued and outstanding as of december 31, 2013 and december 31, 2012																																																		7,000
class b convertible common stock, 0.001 par value...																																																				4,000	4,000	4,000	5,000	5,000	5,000	5,000	17,000	17,000	18,000	27,000	34,000
loans to bank customers, net of allowance for loan losses of 464 and 475 as of september 30, 2013 and december 31, 2012, respectively																																																			6,522,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized and 7 shares issued and outstanding as of september 30, 2013 and december 31, 2012																																																			7,000
loans to bank customers, net of allowance for loan losses of 460 and 475 as of june 30, 2013 and december 31, 2012, respectively																																																				7,226,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized and 7 shares issued and outstanding as of june 30, 2013 and december 31, 2012, respectively																																																				7,000
loans to bank customers, net of allowance for loan losses of 450 and 475 as of march 31, 2013 and december 31, 2012, respectively																																																					7,228,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized and 7 shares issued and outstanding as of march 31, 2013 and december 31, 2012, respectively																																																					7,000
loans to bank customers, net of allowance for loan losses of 475 and 0 as of december 31, 2012 and 2011, respectively																																																						7,552,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized and 7 shares issued and outstanding as of december 31, 2012 and 2011, respectively																																																						7,000
loans to bank customers, net of allowance for loan losses of 298 and 0 as of september 30, 2012 and december 31, 2011, respectively																																																							7,688,000
funds held on behalf of customers																																																							23,137,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized as of september 30, 2012 and december 31, 2011, respectively; 7 shares issued and outstanding as of september 30, 2012 and december 31, 2011, respectively																																																							7,000
investment securities, available-for-sale																																																								67,685,000					7,983,000
loans to bank customers, net of allowance for loan losses of 310 and 0 as of june 30, 2012 and december 31, 2011, respectively																																																								8,292,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized as of june 30, 2012 and december 31, 2011, respectively; 7 shares issued and outstanding as of june 30, 2012 and december 31, 2011, respectively																																																								7,000
loans to bank customers																																																									9,159,000	10,036,000
goodwill																																																									41,481,000	10,817,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized as of march 31, 2012 and december 31, 2011, respectively; 7 shares issued and outstanding as of march 31, 2012 and december 31, 2011, respectively																																																									7,000
convertible series a preferred stock, 0.001 par value: 10 shares authorized as of december 31, 2011 and 2010; 7 shares issued and outstanding as of december 31, 2011, no shares issued and outstanding as of december 31, 2010																																																										7,000
investment securities available-for-sale, at fair-value																																																												25,988,000
convertible preferred stock, 0.001 par value: 5,000 and 25,554 shares authorized as of december 31, 2010 and 2009, respectively; no shares issued and outstanding as of december 31, 2010, 24,942 shares issued and outstanding as of december 31, 2009; liquidation preference of 0 as of december 31, 2010 and 31,322 as of december 31, 2009
income taxes receivable																																																																3,111,000
accounts payable and accrued liabilities																																																															11,331,000	13,024,000
convertible preferred stock, 0.001 par value: 5,000 shares authorized as of september 30, 2010, 25,554 shares authorized as of december 31, 2009; no shares issued and outstanding as of september 30, 2010, 24,942 shares issued and outstanding as of december 31, 2009; liquidation preference of 0 and 31,322 as of september 30, 2010 and december 31, 2009, respectively
liabilities, redeemable common stock and stockholders’ equity
class a redeemable common stock, 0.001 par value: 75,000 shares authorized as of june 30, 2010, no shares authorized as of december 31, 2009; 2,209 shares issued and outstanding as of june 30, 2010, no shares issued and outstanding as of december 31, 2009; 74 shares no longer subject to our repurchase right as of june 30, 2010, redemption value of 2,485 as of june 30, 2010																																																																2,457,000
convertible preferred stock, 0.001 par value: 25,554 shares authorized, 24,942 shares issued and outstanding as of june 30, 2010 and december 31, 2009; liquidation preference of 31,322 as of june 30, 2010 and december 31, 2009																																																																31,322,000
class b convertible common stock																																																																13,000
total liabilities, redeemable common stock and stockholders’ equity																																																																192,888,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31

operating activities
net income	53,753,000				25,773,000	5,103,000	-7,840,000	-28,715,000	4,750,000	-23,603,000	-6,265,000	578,000	36,012,000	5,884,000	4,696,000	15,008,000	38,624,000	-10,523,000	7,335,000	24,933,000	25,735,000	-24,016,000	-2,992,000	3,294,000	46,845,000	1,693,000	-531,000	34,692,000	64,043,000	14,272,000	4,573,000	29,827,000	70,031,000	12,228,000	13,639,000	19,266,000	40,754,000	-1,345,000	2,037,000	8,026,000	32,882,000	-6,073,000	179,000	3,496,000	40,813,000	-846,000	13,891,000	14,343,000	15,305,000	1,036,000	6,113,000	11,305,000	15,586,000	7,599,000	10,613,000	11,891,000	17,116,000	14,009,000	13,303,000	12,070,000	12,701,000	7,938,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization of property, equipment and internal-use software	18,134,000	17,192,000	16,268,000	16,078,000	15,184,000	15,690,000	15,473,000	15,827,000	16,432,000	16,408,000	14,719,000	13,886,000	13,701,000	14,220,000	14,482,000	14,595,000	13,804,000	14,578,000	15,265,000	13,981,000	13,200,000	14,991,000	14,839,000	14,478,000	13,697,000	13,560,000	12,926,000
amortization of intangible assets	5,147,000	5,199,000	5,200,000	5,199,000	5,200,000	4,982,000	5,246,000	5,385,000	5,664,000	5,664,000	5,648,000	7,281,000	5,664,000	5,664,000	5,664,000	5,664,000	6,517,000	6,944,000	6,944,000	6,943,000	6,944,000	6,944,000	6,944,000	6,952,000	7,279,000	8,093,000	8,174,000	8,175,000	8,174,000	8,175,000	8,175,000	8,175,000	8,236,000	8,184,000	8,184,000	8,185,000	6,557,000	5,749,000	5,749,000	5,749,000	5,774,000	6,081,000	5,915,000	5,884,000	5,325,000
provision for uncollectible overdrawn accounts from purchase transactions	2,556,000	1,518,000	4,637,000	3,746,000	2,864,000	4,253,000	4,248,000	3,638,000	7,623,000	17,415,000	1,827,000	4,341,000	1,188,000	3,202,000	3,162,000	2,707,000	4,700,000	5,621,000	3,988,000	7,219,000	2,994,000	941,000	2,345,000	3,082,000	1,316,000
provision for loan losses	11,110,000	4,312,000	4,051,000	3,960,000	11,127,000	5,091,000	5,724,000	11,959,000	4,788,000	4,907,000	5,673,000	5,479,000	10,252,000	6,598,000	7,302,000	7,953,000	10,499,000	6,250,000	8,585,000
stock-based compensation	4,494,000	4,686,000	5,260,000	5,736,000	3,021,000	5,869,000	8,187,000	7,247,000	8,625,000	6,012,000	7,934,000	10,616,000	9,182,000	3,513,000	10,806,000	5,635,000	14,858,000	14,308,000	11,508,000	8,366,000	17,237,000	16,901,000	11,806,000
losses in equity method investments	1,420,000	4,969,000	3,199,000	75,856,000	2,846,000	3,820,000	4,472,000	4,803,000	2,656,000	24,000	1,675,000	3,543,000	4,068,000	3,770,000	5,231,000	4,939,000	1,708,000	-265,000	-736,000	-1,453,000	875,000	1,977,000
realized loss on available-for-sale investment securities		0	0	282,000	24,497,000
amortization of premium and discount on available-for-sale investment securities	959,000
impairment of long-lived assets	331,000	0	1,157,000	805,000	61,000	0	8,000	2,115,000	2,821,000					130,000	0	1,871,000	2,263,000
other	6,012,000	8,005,000	-1,649,000	-1,236,000	-1,499,000	1,770,000	-770,000	-232,000	-808,000	-972,000	-835,000	-1,285,000	-1,008,000	-2,274,000	-947,000	-862,000	-583,000	6,123,000	-1,434,000	-4,530,000	-15,000	76,000	-264,000	-547,000	-930,000	1,015,000	622,000	-361,000	-255,000	229,000	1,490,000	1,633,000	51,000	112,000	1,321,000	-314,000	881,000	159,000	139,000	34,000	145,000	-118,000	-150,000
changes in operating assets and liabilities:
accounts receivable	-1,650,000	-52,944,000	-47,390,000	21,829,000	499,000	-51,625,000	-13,002,000	9,806,000	13,193,000	-61,556,000	-6,718,000	-8,216,000	16,015,000	-10,287,000	-3,134,000	-1,487,000	7,101,000	-11,548,000	-20,163,000	10,758,000	-11,515,000	-24,802,000	42,000	11,946,000	-3,363,000	-46,369,000	-25,981,000	-15,963,000	-16,739,000	-29,969,000	-24,106,000	-18,754,000	-12,626,000	-32,502,000	-27,912,000	-13,405,000	5,451,000	-31,584,000	-16,998,000	-23,841,000	-2,428,000	-37,187,000	-13,498,000	-1,457,000	-2,308,000	-24,027,000	-9,884,000	-12,210,000	15,668,000	-8,343,000	-10,501,000	-2,802,000	-26,529,000	-20,714,000	-14,859,000	-12,849,000	-17,677,000	-26,016,000	-16,730,000	-17,000,000	-10,764,000	-19,993,000
prepaid expenses and other assets	1,380,000	-16,889,000	-1,310,000	10,437,000	1,720,000	-15,842,000	3,088,000	-4,097,000	17,033,000	-5,031,000	-7,638,000	6,631,000	9,392,000	-9,432,000	-960,000	2,503,000	13,306,000	-18,266,000	-1,735,000	8,116,000	-1,786,000	-11,744,000	3,439,000	262,000	9,023,000	-21,711,000	1,628,000	1,077,000	6,974,000	-11,388,000	-3,820,000	11,389,000	-6,111,000	-12,066,000	-3,882,000	-1,861,000	968,000	2,830,000	-4,232,000	6,720,000	-4,187,000	5,551,000	-7,900,000	-3,386,000	-31,000	8,756,000	-9,653,000	5,818,000	-3,835,000	-607,000	-11,366,000	10,817,000	6,225,000	-10,303,000	1,459,000	-8,117,000	-4,364,000	-478,000	-1,647,000	-821,000	108,000	-1,859,000
deferred expenses	62,000	24,000	55,000	117,000	257,000	-16,000	-15,000	193,000	142,000	55,000	191,000	5,547,000	7,208,000	-8,054,000	800,000	3,775,000	5,787,000	-9,476,000	1,309,000	3,553,000	6,091,000	-11,472,000	50,000	3,592,000	6,389,000	-10,128,000	804,000	5,466,000	8,168,000	-13,193,000	1,340,000	5,260,000	7,183,000	-11,123,000	-224,000	3,684,000	5,565,000	-10,437,000	-19,000	3,205,000	5,113,000	-8,530,000	1,826,000	3,721,000	5,800,000	-8,139,000	-120,000	2,824,000	3,548,000	-8,493,000	776,000	2,062,000	2,726,000	-5,587,000	294,000	2,554,000	2,833,000	-4,773,000	-644,000	789,000	1,528,000	-3,610,000
accounts payable and other accrued liabilities	-22,854,000	-6,921,000	69,969,000	-5,646,000	11,988,000	5,065,000	-36,555,000	6,235,000	5,786,000	16,195,000	-512,000	-4,578,000	-10,415,000	5,042,000	24,010,000	16,476,000	-4,430,000	12,398,000	-2,201,000	-35,706,000	20,201,000	18,169,000	5,806,000	3,806,000	9,859,000	11,987,000	11,075,000	-20,990,000	-10,217,000	25,786,000	3,068,000	2,553,000	-18,936,000	40,523,000	-3,255,000	3,981,000	-13,267,000	-1,547,000	-1,260,000	-3,901,000	-12,448,000	42,209,000	-9,132,000	-10,319,000	-9,579,000	11,396,000	5,857,000	-9,980,000	-6,348,000	15,565,000	9,147,000	9,884,000	-7,681,000	9,666,000	1,616,000	1,391,000	18,802,000
deferred revenue	48,000	-671,000	-161,000	-288,000	-1,695,000	-1,074,000	946,000	139,000	-928,000	-176,000	-1,897,000	-7,521,000	-9,945,000	10,637,000	-139,000	-5,258,000	-8,934,000	15,608,000	-1,784,000	-5,383,000	-7,159,000	15,644,000	28,000	-5,741,000	-9,355,000	12,674,000	-586,000	-8,081,000	-10,718,000	16,262,000	-1,595,000	-3,512,000	-6,480,000	17,453,000	503,000	-5,139,000	-8,128,000	14,559,000	169,000	-5,266,000	-7,458,000	12,676,000	-3,574,000	-5,101,000	-5,618,000	11,288,000	-1,213,000	-4,215,000	-6,179,000	10,829,000	-2,836,000	1,972,000	-4,705,000	8,561,000	-872,000	-4,199,000	-5,452,000	8,417,000	373,000	-1,986,000	-2,543,000	5,981,000
income tax receivable/payable	14,146,000	14,125,000	-5,006,000	-21,357,000	7,713,000	4,781,000	-4,927,000	-2,074,000	2,198,000	2,246,000	-9,565,000	-8,174,000	9,880,000	4,606,000	-4,858,000	-55,000	12,023,000	-12,282,000	112,000	-9,127,000	7,169,000	689,000	-6,565,000	3,602,000	11,805,000	-14,279,000	5,032,000	5,200,000	15,729,000	-3,705,000	-5,008,000	-2,676,000	10,136,000	-9,644,000	-9,837,000	3,654,000	20,894,000
net cash from operating activities	95,061,000	-62,470,000	23,326,000	68,980,000	108,721,000	-23,012,000	-16,279,000	31,497,000	89,177,000	-34,929,000	4,682,000	27,234,000	100,532,000	25,605,000	64,627,000	71,812,000	115,642,000	15,299,000	27,778,000	38,784,000	80,672,000	10,327,000	37,335,000	57,386,000	104,130,000	-14,747,000	37,593,000	51,683,000	115,385,000	36,709,000	46,652,000	78,821,000	88,869,000	54,962,000	19,643,000	48,846,000	94,859,000	11,380,000	9,696,000	19,485,000	70,959,000	42,971,000	-4,423,000	33,845,000	84,327,000	22,152,000	22,314,000	24,680,000	-171,000	29,515,000	5,873,000	62,618,000	24,502,000	18,712,000	26,770,000	19,283,000	37,263,000	17,542,000	20,732,000	14,901,000	40,876,000	6,010,000
capital expenditures	-19,032,000	-13,844,000	-19,784,000	-19,494,000	-19,418,000	-22,119,000	-20,674,000	-16,999,000	-14,495,000	0	-17,381,000	-18,587,000	-19,533,000	-23,721,000	-24,068,000	-17,527,000	-19,010,000	-17,788,000	-15,818,000	-13,352,000	-10,474,000	-15,137,000	-12,503,000	-15,652,000	-15,743,000	-20,029,000	-20,439,000	-18,434,000	-19,312,000	-17,633,000	-16,021,000	-13,990,000	-13,386,000	-11,769,000	-11,449,000	-9,080,000	-11,844,000	-10,007,000	-9,286,000	-11,798,000	-12,182,000	-10,465,000	-12,330,000	-10,898,000	-14,144,000	-15,540,000	-9,702,000	-3,584,000	-10,512,000	-8,830,000	-9,899,000	-8,127,000	-8,886,000	-17,129,000	-6,420,000	-9,059,000	-7,833,000	-6,079,000	-5,766,000	-5,838,000	-5,393,000	0
free cash flows	76,029,000	-76,314,000	3,542,000	49,486,000	89,303,000	-45,131,000	-36,953,000	14,498,000	74,682,000	-34,929,000	-12,699,000	8,647,000	80,999,000	1,884,000	40,559,000	54,285,000	96,632,000	-2,489,000	11,960,000	25,432,000	70,198,000	-4,810,000	24,832,000	41,734,000	88,387,000	-34,776,000	17,154,000	33,249,000	96,073,000	19,076,000	30,631,000	64,831,000	75,483,000	43,193,000	8,194,000	39,766,000	83,015,000	1,373,000	410,000	7,687,000	58,777,000	32,506,000	-16,753,000	22,947,000	70,183,000	6,612,000	12,612,000	21,096,000	-10,683,000	20,685,000	-4,026,000	54,491,000	15,616,000	1,583,000	20,350,000	10,224,000	29,430,000	11,463,000	14,966,000	9,063,000	35,483,000	6,010,000
investing activities
purchases of available-for-sale investment securities	-549,768,000	-197,331,000	-808,763,000	-194,079,000	-80,741,000	0								-9,510,000	-227,681,000	-405,400,000	-288,958,000	-1,020,845,000	-157,102,000	-122,320,000	-95,332,000	-699,141,000	-86,785,000	-148,235,000	-60,267,000	-71,107,000	-27,743,000	-54,434,000	-35,782,000	-57,893,000	-49,965,000	-65,252,000	-13,774,000	0	-847,000	-37,857,000	-19,961,000	-12,473,000	-43,612,000	-41,343,000	-38,492,000	-19,275,000	-49,821,000	-91,405,000	-34,631,000	-50,594,000	-68,464,000	-48,840,000	-44,548,000	-59,434,000	-104,526,000	-63,271,000	-46,841,000	-71,114,000	-60,005,000	-18,673,000	-122,077,000	-4,994,000
proceeds from maturities of available-for-sale securities	41,495,000	71,224,000	43,072,000	48,763,000	54,520,000	78,007,000	59,966,000	48,940,000	45,776,000	45,106,000	49,338,000	45,151,000	37,070,000	48,779,000	79,334,000	79,529,000	86,106,000	72,476,000	51,816,000	38,302,000	34,364,000	26,883,000	19,123,000	36,208,000	25,509,000	38,402,000	22,215,000	37,406,000	12,948,000	14,675,000	16,491,000	11,607,000	17,676,000	13,554,000	14,552,000	14,243,000	28,989,000	22,513,000	29,147,000	27,939,000	25,945,000	27,126,000	23,778,000	11,559,000	21,972,000	46,759,000	23,243,000	35,818,000	47,445,000	58,160,000	32,913,000	27,835,000	54,227,000	7,855,000	18,408,000	3,247,000	8,053,000
proceeds from sales and calls of available-for-sale securities		0	354,000	730,160,000	287,000	0	178,000	0	95,000	-11,000	141,000	1,000	55,000	-27,000	640,000	0	2,875,000	0	1,625,000
payments for property, equipment and internal-use software	-19,032,000	-13,844,000	-19,784,000	-19,494,000	-19,418,000	-22,119,000	-20,674,000	-16,999,000	-14,495,000
net changes in loans	-16,093,000	-22,873,000	-2,902,000	218,000	-17,631,000	-3,491,000	-4,162,000			-7,408,000	-3,696,000	-2,797,000	-15,069,000	-6,899,000	-6,426,000	-4,039,000	-14,693,000	-2,511,000	-9,387,000	-9,999,000	-6,488,000	-946,000	-1,119,000
other investing activities	-23,199,000	-252,000	-1,098,000	-447,000	-474,000	-1,725,000	-516,000	-249,000	-81,000	-2,509,000	-401,000	-629,000	-243,000	-702,000	-408,000
net cash from investing activities	-566,597,000	-163,076,000	-789,121,000	565,121,000	-63,457,000	-4,416,000	78,035,000	12,309,000	-4,526,000	14,737,000	28,001,000	23,139,000	-32,720,000	7,920,000	-178,609,000	-348,885,000	-300,614,000	-968,832,000	-133,955,000	-157,439,000	-108,261,000	-679,894,000	-81,206,000	49,138,000	-73,870,000	-53,726,000	-21,324,000	-38,512,000	-40,291,000	6,139,000	-50,723,000	-59,880,000	-10,503,000	-14,236,000	-11,319,000	-62,450,000	-135,925,000	27,831,000	-54,023,000	-26,815,000	-25,284,000	22,097,000	-26,840,000	-90,002,000	-80,973,000	-132,697,000	-53,298,000	-30,166,000	28,815,000	25,519,000	-73,054,000	-17,711,000	11,850,000	-40,905,000	-11,390,000	-12,578,000	-145,447,000	1,777,000	4,234,000	-37,915,000	-18,537,000	-3,110,000
financing activities
borrowings on notes payable		0	0	0	14,860,000	4,950,000
net borrowings from federal home loan bank	500,000,000
proceeds from espp purchases	820,000
taxes paid related to net share settlement of equity awards	-4,875,000	-119,000	-161,000	-204,000	-2,429,000	-904,000	-228,000	-360,000	-1,400,000	-403,000	-524,000	-460,000	-2,516,000	-1,248,000	-683,000	-1,309,000	-2,707,000	-2,476,000	-647,000	-1,190,000	-8,551,000	-4,300,000	-5,168,000	-1,505,000	-1,480,000	-3,179,000	-1,285,000	-5,048,000	-11,826,000	-12,827,000	-8,804,000	-8,478,000	-15,898,000	-5,340,000	-4,844,000	-5,731,000	-2,162,000	-1,898,000	-2,491,000	-2,660,000	-1,174,000	-1,791,000
net changes in deposits	112,415,000	200,796,000	117,703,000	-73,463,000	159,766,000	170,505,000	-65,796,000	161,312,000	451,961,000	78,981,000	-22,105,000	-111,900,000	-104,412,000	-25,533,000	97,433,000	-233,040,000	318,280,000	334,014,000	95,509,000	-734,329,000	859,868,000	445,837,000
net changes in settlement assets and obligations to customers	87,855,000	-191,806,000	-26,745,000	-23,392,000	-36,586,000	-10,377,000	158,987,000	-26,290,000	-86,684,000	-123,469,000	12,929,000	-1,841,000	-19,864,000	-17,730,000	83,802,000	-15,372,000	-104,691,000	136,901,000	-74,068,000	30,339,000	395,482,000
deferred financing costs		0	-200,000	-1,000	-422,000	-181,000																												0	0	0	-164,000
net cash from financing activities	696,215,000	9,915,000	90,598,000	-94,427,000	135,189,000	166,270,000	74,620,000	154,381,000	347,877,000	-8,741,000	17,300,000	-110,930,000	-161,648,000	-32,752,000	150,576,000	-267,091,000	185,974,000	470,197,000	19,847,000	-702,730,000	1,247,579,000	24,200,000	248,528,000	264,580,000	469,893,000	270,249,000	-252,506,000	-593,381,000	510,513,000	14,194,000	-76,447,000	-254,992,000	266,284,000	170,252,000	105,403,000	-177,696,000	94,228,000	95,933,000	71,740,000	-162,303,000	-78,052,000	99,906,000	-125,933,000	-58,216,000	150,732,000	202,055,000	-15,899,000	-62,342,000	295,574,000	38,786,000	-10,047,000	-11,038,000	40,217,000	151,366,000	28,918,000	-3,205,000	2,371,000	7,820,000	367,000	3,239,000	2,894,000	29,022,000
net increase in unrestricted cash, cash equivalents and restricted cash	224,679,000	-215,631,000	-675,197,000	539,674,000	180,453,000	138,842,000	136,376,000	198,187,000	432,528,000				-93,836,000	773,000	36,594,000	-544,164,000	1,002,000	-483,336,000	-86,330,000	-821,385,000	1,219,990,000	-645,367,000	204,657,000	371,104,000	500,153,000	201,776,000	-236,237,000	-580,210,000	585,607,000	57,042,000	-80,518,000	-236,051,000	344,650,000
unrestricted cash, cash equivalents and restricted cash, beginning of period	1,421,734,000	0	0	0	1,592,435,000	0	0	0	686,502,000	0	0	0	819,845,000	0	0	0	1,325,640,000	0	0	0	1,496,701,000	0	0	0	1,066,154,000	0	0	0	1,095,218,000	0	0	0	1,010,095,000
unrestricted cash, cash equivalents and restricted cash, end of period	1,646,413,000	-215,631,000	-675,197,000	539,674,000	1,772,888,000	138,842,000	136,376,000	198,187,000	1,119,030,000	-28,933,000	49,983,000	-60,557,000	726,009,000	773,000	36,594,000	-544,164,000	1,326,642,000	-483,336,000	-86,330,000	-821,385,000	2,716,691,000	-645,367,000	204,657,000	371,104,000	1,566,307,000	201,776,000	-236,237,000	-580,210,000	1,680,825,000	57,042,000	-80,518,000	-236,051,000	1,354,745,000
cash paid for interest	2,738,000	4,303,000	1,520,000	4,437,000	2,112,000	3,072,000	3,536,000	3,040,000	3,320,000	2,308,000	894,000	705,000	2,016,000	290,000	11,000	146,000	180,000	260,000	900,000	190,000	84,000	87,000	80,000	476,000	283,000	403,000	445,000	510,000	1,094,000	1,553,000	990,000	1,227,000	1,118,000	1,116,000	998,000	1,135,000	1,271,000	1,119,000	1,045,000	1,025,000	4,397,000	1,051,000	1,081,000	1,166,000	1,112,000	1,214,000	16,000	30,000	16,000	66,000	-27,000	4,000	30,000	26,000	24,000	20,000	28,000	102,000	0			2,000
cash (refunded from) paid for income taxes	-122,000
reconciliation of unrestricted cash, cash equivalents and restricted cash at end of period:
unrestricted cash and cash equivalents	1,646,382,000	-215,631,000	-675,197,000	539,673,000	1,772,845,000	138,842,000	136,550,000	198,195,000	1,118,804,000	-29,136,000	49,947,000	-60,551,000	722,003,000	735,000	36,905,000	-544,438,000	1,320,743,000	-482,507,000	-86,274,000	-820,691,000	2,711,791,000	-644,533,000	204,908,000	367,727,000	1,563,740,000	202,151,000	-235,223,000	-579,972,000	1,676,470,000	57,111,000	-80,320,000	-150,200,000	1,268,137,000
restricted cash	31,000	0	0	1,000	43,000	0	-174,000	-8,000	226,000	203,000	36,000	-6,000	4,006,000	38,000	-311,000	274,000	5,899,000	-829,000	-56,000	-694,000	4,900,000	-834,000	-251,000	3,377,000	2,567,000	-375,000	-1,014,000	-238,000	4,355,000	-69,000	-198,000	-85,851,000	86,608,000
total unrestricted cash, cash equivalents and restricted cash, end of period	1,646,413,000	-215,631,000	-675,197,000	539,674,000	1,772,888,000	138,842,000	136,376,000	198,187,000	1,119,030,000	-28,933,000	49,983,000	-60,557,000	726,009,000	773,000	36,594,000	-544,164,000	1,326,642,000	-483,336,000	-86,330,000	-821,385,000	2,716,691,000	-645,367,000	204,657,000	371,104,000	1,566,307,000	201,776,000	-236,237,000	-580,210,000	1,680,825,000	57,042,000	-80,518,000	-236,051,000	1,354,745,000
deferred income tax expense																																						1,659,000	-390,000			-435,000	17,000	33,000	-21,000					5,193,000	82,000	-4,000	193,000
investment in tailfin labs, llc						0	0	0	-35,000,000	0	0	0	-35,000,000	0	0	0	-35,000,000	0	0	0	-35,000,000	0	0	0	-35,000,000
borrowings on revolving line of credit						0	71,000,000	103,000,000	64,000,000	129,000,000	70,000,000	0	83,000,000	50,000,000	0	0	50,000,000					0	0	0	100,000,000									0	0	130,000,000	205,000,000	120,000,000	10,000,000	0	15,000,000	0	0	0	30,001,000
repayments on revolving line of credit						0	-133,000,000	-86,000,000	-80,000,000	-95,000,000	-43,000,000	0	-118,000,000	-15,000,000	0	0	-50,000,000					0	0	-100,000,000	-35,000,000									0	0	-180,000,000	-155,000,000	-120,000,000	-10,000,000	0	-15,000,000	0	0	0	-30,001,000
proceeds from exercise of options and espp purchases		1,044,000	1,000			2,277,000	0			2,150,000	0	3,271,000	144,000	2,734,000	28,000	3,323,000	92,000	2,758,000	53,000	3,450,000	1,780,000	11,893,000	246,000
cash paid for income taxes		581,000	142,000	5,371,000	3,000	7,587,000	4,784,000	1,017,000	202,000	7,251,000	7,811,000			3,206,000	5,674,000			7,806,000	2,105,000									3,664,000	38,000	1,920,000			80,000	195,000			122,000	-310,000	11,154,000	11,332,000	140,000	568,000	8,433,000	112,000	779,000	11,265,000	10,118,000	0	219,000	6,085,000	9,448,000	516,000	302,000	5,191,000	7,596,000	5,589,000	9,827,000	5,317,000	10,611,000	2,287,000	76,000	67,000
reconciliation of unrestricted cash, cash equivalents and restricted cash
net loss			-30,791,000
adjustments to reconcile net loss to net cash from operating activities:
amortization of discount on available-for-sale investment securities			246,000	-76,000	-513,000	-372,000	-481,000	-570,000	-563,000		-595,000	-573,000	-556,000																																													94,000	88,000
proceeds from other investments									39,118,000
deferred income tax benefit
purchase of other investments
contingent consideration payments														0	0			-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000			-1,000,000	-1,162,000	-2,492,000	-202,000	-1,197,000	-1,184,000	-531,000	-192,000	-200,000	-2,188,000	-178,000	-189,000	-189,000	-214,000
repurchase of class a common stock														-21,475,000	-30,004,000	-19,046,000	-25,000,000									0	0							-1,969,000	0	0	-50,000,000	0	0	-50,000,000	-9,013,000	-986,000
other financing activities
net changes in loans and advances									-39,939,000
amortization of (discount) premium on available-for-sale investment securities														-542,000	-348,000	-254,000	-290,000									92,000	15,000	-84,000	-140,000
purchases of other investments														0	0	0	-31,934,000
net decrease in unrestricted cash, cash equivalents and restricted cash										-28,933,000	49,983,000
payments for acquisition of property and equipment											-17,381,000	-18,587,000	-19,533,000	-23,721,000	-24,068,000	-17,527,000	-19,010,000	-17,788,000	-15,818,000	-13,352,000	-10,474,000	-15,137,000	-12,503,000	-15,652,000	-15,743,000	-20,029,000	-20,439,000	-18,434,000	-19,312,000	-17,633,000	-16,021,000	-13,990,000	-13,386,000	-11,769,000	-11,449,000	-9,080,000	-11,844,000	-10,007,000	-9,286,000	-11,798,000	-12,182,000	-10,465,000	-12,330,000	-10,898,000	-14,144,000	-15,540,000	-9,702,000	-3,584,000	-10,512,000	-8,830,000	-9,899,000	-8,127,000	-8,886,000	-17,129,000	-6,420,000	-9,059,000	-7,833,000	-6,079,000	-5,766,000	-5,838,000	-5,393,000
cash paid (refund) for income taxes													509,000
realized gain on sale of available-for-sale investment securities																						-11,000	0
cash refund from income taxes																	-11,000				-20,000
amortization of premium on available-for-sale investment securities																		233,000	742,000	929,000	659,000									128,000	210,000	384,000	320,000	353,000	465,000	370,000	322,000	357,000	401,000	330,000	269,000	346,000	313,000	273,000	235,000	277,000	290,000	225,000	313,000	322,000	179,000	104,000	173,000	234,000	325,000	365,000	264,000
repayments of borrowings from notes payable																										0	0	0	-60,000,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000	-25,625,000
amortization of deferred financing costs																			43,000	42,000	42,000	42,000	43,000	42,000	42,000	81,000	129,000	128,000	996,000	399,000	398,000	399,000	398,000	398,000	399,000	398,000	394,000	383,000	384,000	383,000	384,000	384,000	384,000	383,000	384,000
purchase of bank-owned life insurance policies																			-5,000,000
proceeds from sales of available-for-sale securities																					5,198,000	11,065,000	162,000	177,621,000	10,047,000	10,000	4,804,000	0	101,000	67,260,000	97,000	10,904,000	124,000	11,236,000	10,408,000	3,348,000	15,318,000	108,000	747,000	554,000	21,000	23,664,000	11,354,000	202,000	12,733,000	96,559,000	1,757,000	2,698,000	35,411,000	38,306,000	7,784,000	25,853,000	13,026,000	25,619,000	35,733,000	12,422,000	7,700,000
amortization of premium (discount) on available-for-sale investment securities																						381,000	186,000	294,000	138,000
change in fair value of contingent consideration																										0								-2,172,000	0			3,000,000	0			-684,000	0	100,000	-7,616,000
impairment of internal-use software																							31,000
net decrease in obligations to customers																							-27,701,000	-21,936,000	-34,667,000		22,995,000
cash paid for/(refund from) income taxes
losses in equity method investment
net increase in deposits																								384,186,000	442,017,000			-480,888,000	620,998,000	-11,227,000	-51,393,000	-225,205,000	271,092,000	187,496,000			88,947,000			-78,888,000	-15,211,000	152,123,000	-108,059,000	-36,192,000	78,872,000	123,541,000	-17,734,000	-66,755,000	306,769,000			-20,663,000	23,571,000				515,000
employee stock-based compensation																									11,385,000	-553,000	6,894,000	8,427,000	14,815,000	12,720,000	16,771,000	11,242,000	9,360,000	13,350,000	10,992,000	9,858,000	6,534,000	7,380,000	7,889,000	7,407,000	5,645,000	7,935,000	7,453,000	6,410,000	5,213,000	6,177,000	5,466,000	4,714,000	3,972,000	4,029,000	4,165,000	3,619,000	2,890,000	3,693,000	2,420,000	3,132,000	3,489,000	2,482,000	2,719,000	2,462,000	1,861,000
impairment of capitalized software																										457,000	17,000	4,000	100,000	570,000	177,000			260,000	52,000	858,000	156,000	5,000	1,000	31,000	105,000	142,000	742,000							3,360,000	700,000	220,000	936,000	117,000	40,000	829,000	43,000	49,000	111,000	5,000	232,000	21,000
net decrease in loans																									1,584,000				1,754,000					1,221,000	-10,969,000	-1,564,000	-1,199,000		197,000				-156,000	364,000	-265,000
proceeds from exercise of options																									23,000	2,364,000	26,000	4,131,000	705,000	2,757,000	2,683,000	8,638,000	7,802,000	5,978,000	2,189,000	10,839,000	5,155,000	5,507,000	2,296,000	4,230,000	2,884,000	1,755,000	1,279,000	681,000	117,000	1,767,000	1,621,000	1,722,000	1,626,000	4,861,000	7,144,000	2,020,000	400,000	840,000	161,000	1,961,000	588,000
cash (refund from)/paid for income taxes																									-95,000
provision for uncollectible overdrawn accounts																										21,765,000	19,241,000	21,872,000	23,573,000	16,432,000	21,541,000	23,432,000	18,385,000	18,640,000	21,067,000	19,192,000	18,246,000	16,147,000	18,907,000	23,021,000	16,766,000	16,814,000	14,914,000	16,374,000	15,192,000	12,039,000	10,175,000	7,569,000	8,490,000	9,109,000	9,609,000	13,085,000	15,470,000	20,247,000	14,441,000	14,422,000	13,235,000	14,352,000	15,489,000	17,323,000	13,398,000	11,181,000
net increase in loans																										-1,002,000	-161,000				-1,325,000	-3,149,000	-1,143,000
business acquisition, net of cash acquired
borrowings from notes payable																																		0	0	0	20,000,000
net increase in obligations to customers																													-39,364,000			-21,830,000	9,115,000			-4,611,000	8,269,000	-47,391,000	44,160,000	-30,079,000	-50,062,000	-45,445,000	29,888,000	-16,415,000	77,344,000	-65,729,000	-20,000	-347,000	-13,346,000	4,607,000	-7,995,000	6,987,000	16,017,000
net decrease in deposits																																																							5,606,000
depreciation and amortization of property and equipment																													10,882,000	10,427,000	9,938,000	9,294,000	8,922,000	8,188,000	8,140,000	8,393,000	8,749,000	8,666,000	9,171,000	10,219,000	11,404,000	10,448,000	9,583,000	9,103,000	9,375,000
acquisition, net of cash acquired																																		0	0	-2,237,000	-139,261,000						0	0	-65,209,000		0
change in fair value of contingent consideration and related accruals
stock-based retailer incentive compensation																																										0	0	614,000	1,906,000	2,391,000	2,131,000	2,022,000	2,388,000	2,559,000	2,587,000	1,967,000	1,609,000	1,266,000	1,202,000	2,593,000	3,190,000	3,552,000	3,549,000	4,356,000	5,880,000	5,696,000
increase in restricted cash																																		-28,478,000	-13,014,000	-29,303,000	-7,967,000		-31,216,000	-2,547,000	-581,000		335,000				5,000									-7,000	-115,000
net increase in unrestricted cash and cash equivalents																																					53,162,000																			3,500,000	-105,813,000	27,139,000	25,333,000	-19,775,000	25,233,000	31,922,000
unrestricted cash and cash equivalents, beginning of year																																		0	0	0	732,676,000																					0	0	0	167,503,000	0
unrestricted cash and cash equivalents, end of year																																		210,978,000	113,727,000	-191,300,000	785,838,000
net decrease in unrestricted cash and cash equivalents																																			113,727,000
amounts due to card issuing banks for overdrawn accounts																																				-39,000	48,000	-407,000	87,000	62,000	402,000	87,000	-741,000	-672,000	1,169,000		307,000
excess tax benefits from equity awards																																					735,000
provision for uncollectible trade receivables																																						0																				305,000	124,000	22,000	4,000	11,000
income tax receivable																																									18,591,000				24,091,000	-10,208,000	-3,341,000	8,357,000	9,166,000	-10,892,000	-6,894,000	6,370,000	8,067,000	-8,050,000	1,907,000	1,792,000	3,044,000	3,010,000
decrease in restricted cash																																													-1,429,000				683,000	-2,303,000	-30,000			12,150,000				-2,632,000	0	0	-5,159,000	28,000
net principal collections on loans																																														267,000	-137,000	-114,000	336,000	-380,000	704,000	2,000	324,000	136,000	604,000	867,000	877,000
acquisitions, net of cash acquired
borrowings from note payable
repayments of borrowings from note payable																																						-5,625,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000	-5,625,000
excess tax benefits from stock compensation
net increase in unrestricted cash, cash equivalents, and federal funds sold																																								-169,633,000	-32,377,000	164,974,000	-157,196,000	-114,373,000	154,086,000	91,510,000	-46,883,000	-67,828,000	324,218,000	93,820,000	-77,228,000	33,869,000	76,569,000	129,173,000
unrestricted cash, cash equivalents, and federal funds sold, beginning of year																																						0	0	0	772,129,000	0	0	0	724,638,000	0	0	0	423,621,000	0	0	0	296,591,000	0	0
unrestricted cash, cash equivalents, and federal funds sold, end of year																																						135,144,000	27,413,000	-169,633,000	739,752,000
excess tax benefits from exercise of options																																							659,000	897,000	338,000	64,000	131,000	3,000	24,000	-148,000	-234,000	-3,038,000	-525,000	1,001,000	-2,902,000	-618,000	-229,000	-73,000	-14,000	-1,383,000	-1,268,000	-792,000	-100,000	-696,000	-1,363,000
net decrease in unrestricted cash, cash equivalents, and federal funds sold
income tax payable
decrease in loans																																									5,000
income tax payable/receivable																																											-10,754,000																	5,143,000	7,723,000
unrestricted cash, cash equivalents, and federal funds sold, end of period																																											-157,196,000	-114,373,000	878,724,000	91,510,000	-46,883,000	-67,828,000	747,839,000	93,820,000	-77,228,000	33,869,000	373,160,000	129,173,000	44,298,000
net realized loss on investment securities																																													2,000
recovery for uncollectible trade receivables																																													-5,000			-11,000	-9,000				-41,000
depreciation and amortization																																														12,804,000	8,623,000	7,893,000	7,664,000	7,193,000	6,903,000	6,649,000	6,354,000	5,567,000	4,823,000	4,090,000	3,651,000	3,558,000	3,276,000	2,965,000	2,531,000	2,183,000
net realized gains on investment securities
recovery of uncollectible trade receivables
amounts due issuing bank for overdrawn accounts																																																	-49,760,000	-2,330,000	121,000	-2,037,000	3,452,000	607,000	3,466,000	2,704,000	794,000	1,305,000	900,000	1,710,000	3,170,000
realized gains on investment securities																																															-2,000			-5,000	3,000	-17,000	6,000	-3,000	-3,000
provision (recovery) for uncollectible trade receivables
realized losses on investment securities																																																	-29,000
(recovery) provision for uncollectible trade receivables																																																						61,000	-56,000	65,000	-429,000
deferred income taxes																																																										144,000	0	0	107,000
settlement assets																																																							-8,157,000	-846,000	-7,292,000	-4,075,000	-6,210,000	2,063,000	835,000	-8,184,000
settlement obligations																																																							8,157,000	846,000	7,292,000	4,075,000	6,210,000	-2,063,000	-835,000	8,184,000
acquisition of loopt inc., net of cash acquired																																																							26,000	-1,375,000	-32,052,000
net increase in funds held on behalf of customers
net gain on investment securities																																																									-8,000
unrestricted cash, cash equivalents, and federal funds, beginning of year																																																									225,433,000
unrestricted cash, cash equivalents, and federal funds, end of period																																																									119,620,000
accounts payable and accrued liabilities																																																										-1,676,000	2,394,000	-11,510,000	6,303,000	12,165,000
proceeds from maturities of available-for-sale investment securities																																																										10,152,000
net increase in loans made to bank customers
acquisition of bonneville bancorp, net of cash acquired
borrowings from line of credit
repayments on line of credit
proceeds from exercise of options and warrants and issuance of espp shares																																																										1,797,000
exercise of call option on warrant
issuance of preferred shares and freestanding warrant
redemption of preferred and common shares
proceeds from the repayment of related party notes receivable
unrestricted cash and cash equivalents, end of period																																																										27,139,000	25,333,000	-19,775,000	192,736,000
purchases of available-for-sale securities																																																												-32,077,000	-7,985,000
proceeds from exercise of options and issuance of espp shares
proceeds from exercise of warrants and options																																																													1,531,000	4,180,000
principal payments on short-term debt
change in operating assets and liabilities:
income taxes payable
purchases of property and equipment, including internal-use software
borrowings on line of credit
benefit from uncollectible overdrawn accounts
benefit for uncollectible trade receivables
decrease (increase) in restricted cash
purchases of property and equipment

Green Dot Corporation(NYSE:GDOT)

Green Dot Corporation
(NYSE:GDOT)