Company: GDOT
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001386278-25-000076
Chunk: 51

Company: GREEN DOT CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part II, Item 1A
Chunk 51
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ness will be dependent upon our future performance, as well as Green Dot Bank and its ability to pay dividends to us, which will be subject to regulatory restrictions, general economic, industry and competitive conditions and to financial, business and other factors affecting us and Green Dot Bank, many of which are beyond our control. In addition, the senior unsecured notes contain certain affirmative and negative non-financial covenants applicable to us and Green Dot Bank that could limit our ability to take advantage of financing, merger, acquisition or other opportunities, to fund our business operations or to fully implement our current and future operating strategies. 

We cannot assure you that we will be able to continue to generate cash flow at or above its current level and that we will be able to pay principal and interest on the senior unsecured notes as they become due. Further, we cannot assure you that our maintenance of our indebtedness or occurrence of future indebtedness will not negatively impact our operating results or financial condition. 

GENERAL RISKS

Our operating results may fluctuate in the future, which could cause our stock price to decline.

If our quarterly and annual results of operations fall below the expectations of investors or any securities analysts who follow our Class A common stock, the trading price of our Class A common stock could decline substantially. Fluctuations in our quarterly or annual results of operations might result from a number of factors including the occurrence of one or more of the events or circumstances described in these risk factors, many of which are outside of our control, including, but not limited to:

•the timing and volume of purchases and use of our products and services;

•the timing and volume of tax refunds or other government payments processed by us;

•the timing and success of new product or service introductions by us or our competitors;

•fluctuations in customer retention rates;

•outages and interruptions in our systems, those of our partners or third-party service providers;

•changes in the mix of products and services that we sell or changes in the mix of our client retail distributors;

•the timing of commencement of new and existing product roll outs, developments and initiatives and the lag before those new products, channels or retail distributors generate material operating revenues;

•our ability to effectively sell our products through direct-to-consumer initiatives;

•costs associated with significant changes in our risk policies and controls;

•the amount and timing of major advertising campaigns, including sponsorships;

•the amount and timing of capital expenditures and operating costs;

•interest rate volatility;

•our ability to control costs,