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Accounts Receivable - Schedule of Accounts Receivable, Net (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Mar. 31, 2026	Dec. 31, 2025	Jun. 30, 2025	Mar. 31, 2025	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable, net	$ 137,754		$ 197,248
Trade receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable, gross	41,681		44,349
Reserve for uncollectible overdrawn accounts	(24)		(139)
Accounts receivable, net	41,657		44,210
Overdrawn accountholder balances from purchase transactions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable, gross	6,086		5,173
Reserve for uncollectible overdrawn accounts	(993)	$ (1,323)	(1,215)	$ (1,957)	$ (1,835)	$ (1,741)
Accounts receivable, net	5,093		3,958
Accountholder fees
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable, net	2,233		2,136
Receivables due from card issuing banks
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable, net	1,084		1,682
Fee advances, net
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable, net	2,252		58,572
Other receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable, net	$ 85,435		$ 86,690

Significant Concentration	6 Months Ended
Significant Concentration	Jun. 30, 2026
Risks and Uncertainties [Abstract]
Significant Concentration	Significant Concentrations A credit concentration may exist if customers are involved in similar industries, economic sectors, and geographic regions. Our retail distributors operate in similar economic sectors, but diverse domestic geographic regions. The loss of a significant retail distributor could have a material adverse effect upon our card sales, profitability, and revenue growth. In addition, approximately 70% and 63% of our total operating revenues for the three months ended June 30, 2026 and 2025, respectively, and 64% and 59% for the six months ended June 30, 2026 and 2025, respectively, were generated from a single BaaS partner, but without a corresponding concentration to our gross profit for the respective periods.

- Definition

The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.

+ References

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+ Details

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Carrying Value
Financial Assets
Loans to bank customers, net of allowance	$ 44,252	$ 55,700
Financial Liabilities
Deposits	4,640,329	4,416,294
Level 3 \| Fair Value
Financial Assets
Loans to bank customers, net of allowance	44,012	54,415
Level 2 \| Fair Value
Financial Liabilities
Deposits	$ 4,640,047	$ 4,415,994

Segment Information - Schedule of Reconciliations of Segment Profit to (loss) Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Segment Reporting [Line Items]
Revenues	$ 595,883	$ 504,176	$ 1,252,130	$ 1,063,050
(Loss) income before income taxes	(2,355)	(62,923)	65,284	(29,268)
Reconciliation to (loss) income before income taxes
Depreciation and amortization of property, equipment and internal-use software			36,798	31,262
Stock based compensation and related employer taxes	3,300	5,700	7,800	8,800
Amortization of acquired intangible assets			10,278	10,399
Restructuring and other charges	96	0	178	0
Operating (loss) income	(761)	13,399	68,277	74,144
Interest expense, net	1,581	1,631	3,157	3,017
Other (expense) income, net	(13)	(74,691)	164	(100,395)
(Loss) income before income taxes	(2,355)	(62,923)	65,284	(29,268)
Operating Segments
Segment Reporting [Line Items]
Revenues	591,285	501,164	1,243,317	1,057,128
(Loss) income before income taxes	40,176	45,425	142,616	135,984
Reconciliation to (loss) income before income taxes
(Loss) income before income taxes	40,176	45,425	142,616	135,984
Segment Reconciling Items
Segment Reporting [Line Items]
Revenues	6,180	4,563	11,992	8,990
Other income	(1,582)	(1,551)	(3,179)	(3,068)
Reconciliation to (loss) income before income taxes
Depreciation and amortization of property, equipment and internal-use software	18,665	16,078	36,798	31,262
Stock based compensation and related employer taxes	3,423	5,759	8,427	9,202
Amortization of acquired intangible assets	5,131	5,199	10,278	10,399
Impairment charges	716	805	1,047	866
Legal settlement expenses	6,322	1,256	7,322	2,193
Transaction and related acquisition costs	4,864	976	6,278	1,422
Other expense	$ 1,720	$ 1,953	$ 4,011	$ 6,496

Equity Method Investments (Tables)

6 Months Ended

Jun. 30, 2026

Equity Method Investments and Joint Ventures [Abstract]

Schedule of Equity Method Investments

The following table presents summarized financial information of TailFin's statements of operations.


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Interest income	$	336	$	779	$	689	$	2,049
Sales and marketing expenses	(1,218)		(3,969)		(2,339)		(6,198)
Compensation and professional services	(897)		(4,065)		(1,789)		(5,864)

Net loss	(1,779)		(7,255)		(3,439)		(10,013)
Investor HLBV basis adjustment (1)	—		(68,495)		—		(68,495)
Equity in losses attributable to TailFin	$	(1,779)	$	(75,750)	$	(3,439)	$	(78,508)


(1)			The incentive payment of $70 million has been recorded as a deferred asset on TailFin’s balance sheet and will be amortized over the revised term of the Agreements through 2033. Under the HLBV method and based on the terms of the agreement, we expensed the amount upon payment.

Significant Concentration (Details)	3 Months Ended		6 Months Ended
Significant Concentration (Details)	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Partner concentration risk \| Sales Revenue, Net \| Single BaaS Partner
Concentration Risk [Line Items]
Concentration risk (as percentage)	70.00%	63.00%	64.00%	59.00%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 275
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+ Details

- Definition

For an entity that discloses a concentration risk in relation to quantitative amount, which serves as the "benchmark" (or denominator) in the equation, this concept represents the concentration percentage derived from the division.

+ References + Details

Revenues

6 Months Ended

Jun. 30, 2026

Revenue from Contract with Customer [Abstract]

Revenues

As discussed in Note 20 — Segment Information, we determine our operating segments based on how our chief operating decision maker manages our operations, makes operating decisions and evaluates operating performance. Within our segments, we believe that the nature, amount, timing and uncertainty of our revenue and cash flows and how they are affected by economic factors can be further illustrated based on the timing in which revenue for each of our products and services is recognized. Our products and services are only offered to customers within the United States and certain U.S. territories. The following tables disaggregate our revenues earned from external customers by each of our reportable segments:

Note 3—Revenues (continued)


	Three Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	40,182	$	65,382	$	50,835	$	156,399
Transferred over time	399,519		17,651		824		417,994
Operating revenues (1)	$	439,701	$	83,033	$	51,659	$	574,393


	Three Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	38,581	$	68,170	$	53,190	$	159,941
Transferred over time	298,893		23,030		811		322,734
Operating revenues (1)	$	337,474	$	91,200	$	54,001	$	482,675


	Six Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	78,519	$	130,759	$	185,147	$	394,425
Transferred over time	770,340		37,014		1,619		808,973
Operating revenues (1)	$	848,859	$	167,773	$	186,766	$	1,203,398


	Six Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	76,125	$	137,428	$	165,630	$	379,183
Transferred over time	592,260		46,860		1,617		640,737
Operating revenues (1)	$	668,385	$	184,288	$	167,247	$	1,019,920


(1)			Excludes net interest income, a component of total operating revenues, as it is outside the scope of ASC 606, Revenues. Also excludes the effects of inter-segment revenues.

Revenues recognized at a point in time are comprised of interchange fees, ATM fees, overdraft protection fees, other similar accountholder transaction-based fees, and substantially all of our cash processing revenues. Revenues recognized over time consist of new card fees, monthly maintenance fees, revenue earned from gift cards and substantially all BaaS (as defined herein) partner program management service fees.

As presented on our consolidated balance sheets, we record deferred revenue for any upfront payments received in advance of our performance obligations being satisfied. These contract liabilities consist principally of unearned new card fees and monthly maintenance fees. We recognized approximately $0.5 million in revenue for each of the three months ended June 30, 2026 and 2025, and $2.1 million and $2.7 million for the six months ended June 30, 2026 and 2025, respectively, that were included in deferred revenue at the beginning of the respective periods and did not recognize any revenue during these periods from performance obligations satisfied in previous periods. Substantially all of the deferred revenue balances at the beginning of the respective periods are recognized in the first half of each year. Changes in the deferred revenue balance are driven primarily by the amount of new card fees recognized during the period, and the degree to which these reductions to the deferred revenue balance are offset by the deferral of new card fees associated with cards sold during the period.

- Definition

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
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+ Details

Fair Value Measurements (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Investment securities:
Fair value	$ 3,033,341	$ 2,467,843
Total assets	3,033,341	2,467,843
Agency bond securities
Investment securities:
Fair value	156,075	156,975
Agency mortgage-backed securities
Investment securities:
Fair value	2,501,430	1,934,918
Municipal bonds
Investment securities:
Fair value	22,640	22,556
Asset-backed securities
Investment securities:
Fair value	353,196	353,394
Level 1
Investment securities:
Total assets	0	0
Level 1 \| Agency bond securities
Investment securities:
Fair value	0	0
Level 1 \| Agency mortgage-backed securities
Investment securities:
Fair value	0	0
Level 1 \| Municipal bonds
Investment securities:
Fair value	0	0
Level 1 \| Asset-backed securities
Investment securities:
Fair value	0	0
Level 2
Investment securities:
Total assets	3,033,341	2,467,843
Level 2 \| Agency bond securities
Investment securities:
Fair value	156,075	156,975
Level 2 \| Agency mortgage-backed securities
Investment securities:
Fair value	2,501,430	1,934,918
Level 2 \| Municipal bonds
Investment securities:
Fair value	22,640	22,556
Level 2 \| Asset-backed securities
Investment securities:
Fair value	353,196	353,394
Level 3
Investment securities:
Total assets	0	0
Level 3 \| Agency bond securities
Investment securities:
Fair value	0	0
Level 3 \| Agency mortgage-backed securities
Investment securities:
Fair value	0	0
Level 3 \| Municipal bonds
Investment securities:
Fair value	0	0
Level 3 \| Asset-backed securities
Investment securities:
Fair value	$ 0	$ 0

Stockholders' Equity (Details) - Common Class A - USD ($)	6 Months Ended
	Jun. 30, 2026	Feb. 28, 2022
Class of Stock [Line Items]
Authorized amount		$ 100,000,000
Remaining authorized amount	$ 4,500,000
Repurchases of Class A Common Stock	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

- Definition

Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

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+ Details

Segment Information - Narrative (Details)	6 Months Ended
Segment Information - Narrative (Details)	Jun. 30, 2026 segment retail_location
Segment Reporting [Abstract]
Number of reportable segments \| segment	3
Number of retail locations \| retail_location	90,000

Earnings and Loss per Common Share

6 Months Ended

Jun. 30, 2026

Earnings Per Share [Abstract]

Earnings and Loss per Common Share

The calculation of basic and diluted earnings and loss per share ("EPS") was as follows:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands, except per share data)
Basic earnings (loss) per Class A common share
Numerator:
Net (loss) income	$	(2,087)	$	(47,025)	$	51,666	$	(21,252)
Denominator:
Weighted-average Class A shares issued and outstanding	56,765		55,127		56,257		54,746
Basic (loss) earnings per Class A common share	$	(0.04)	$	(0.85)	$	0.92	$	(0.39)

Diluted earnings (loss) per Class A common share
Numerator:
Net (loss) income allocated to Class A common stockholders	$	(2,087)	$	(47,025)	$	51,666	$	(21,252)
Denominator:
Weighted-average Class A shares issued and outstanding	56,765		55,127		56,257		54,746
Dilutive potential common shares:

Service-based restricted stock units	—		—		1,678		—
Performance-based restricted stock units	—		—		108		—

Diluted weighted-average Class A shares issued and outstanding	56,765		55,127		58,043		54,746
Diluted (loss) earnings per Class A common share	$	(0.04)	$	(0.85)	$	0.89	$	(0.39)

As a result of our net losses for the periods presented above, the dilutive impacts of certain potential common shares were excluded from our dilutive weighted-average shares since their inclusion would have been anti-dilutive.

Note 13—Earnings and Loss per Common Share (continued)

For the periods presented, we also excluded certain restricted stock units which could potentially dilute basic EPS in the future, from the computation of diluted EPS as their effect was anti-dilutive under the treasury stock method. Additionally, we have excluded any performance-based restricted stock units where the performance contingency has not been met as of the end of the period, or whereby the result of including such awards was anti-dilutive.

The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation:


	Three Months Ended June 30,		Six Months Ended June 30,
	2026	2025	2026	2025
	(In thousands)
Class A common stock

Service-based restricted stock units	—	320	—	470
Performance-based restricted stock units	461	658	461	658

Total	461	978	461	1,128

Deposits (Tables)

6 Months Ended

Jun. 30, 2026

Deposits [Abstract]

Schedule of Deposits

Deposits are categorized as non-interest bearing or interest-bearing deposit accounts as follows:


	June 30, 2026		December 31, 2025
	(In thousands)
Non-interest bearing deposit accounts	$	4,466,083	$	4,275,794
Interest-bearing deposit accounts
Checking accounts	159,237		124,888
Savings	6,143		6,585
Secured card deposits	2,699		3,008
Time deposits, denominations greater than or equal to $250	3,693		3,798
Time deposits, denominations less than $250	2,474		2,221
Total interest-bearing deposit accounts	174,246		140,500
Total deposits	$	4,640,329	$	4,416,294

Note 8—Deposits (continued)

Schedule of Contractual Maturities For Total Time Deposits

The scheduled contractual maturities for total time deposits are presented in the table below:


	June 30, 2026
	(In thousands)
Due in 2026	$	1,954
Due in 2027	2,064
Due in 2028	982
Due in 2029	606
Due in 2030	299
Thereafter	262
Total time deposits	$	6,167

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended
Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025	Jun. 30, 2025	Dec. 31, 2024
Operating Loss Carryforwards [Line Items]
Decrease in excess tax benefit, shared-based compensation and additional expenses	$ (1,400)
Increase in tax benefit from cash surrender value	900
Increase tax credit, amounts	1,000
Increase in state and local income taxes	2,700
Increase in IRC 162(m) limitation	400
Nondeductible transaction related costs	400
Deferred tax assets, valuation allowance		$ 21,600
Unrecognized tax benefits	12,389	$ 11,423	$ 13,705	$ 12,541
Income tax penalties and interest accrued	1,400		$ 2,000
Capital Loss Carryforward
Operating Loss Carryforwards [Line Items]
Tax credit carryforwards	2,500
Research Tax Credit Carryforward
Operating Loss Carryforwards [Line Items]
Deferred tax credit, valuation allowance	2,200
Domestic Tax Authority
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	304,900
Domestic Tax Authority \| Research Tax Credit Carryforward
Operating Loss Carryforwards [Line Items]
Deferred tax credit, valuation allowance	1,100
Domestic Tax Authority \| Tax Year 2030 - 2034
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	9,000
Domestic Tax Authority \| Indefinitely
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	294,000
Domestic Tax Authority \| Indefinitely \| General Business Tax Credit Carryforward
Operating Loss Carryforwards [Line Items]
Tax credit carryforwards	1,600
Income Tax Jurisdiction, Domestic State and Local
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	309,100
Income Tax Jurisdiction, Domestic State and Local \| Research Tax Credit Carryforward
Operating Loss Carryforwards [Line Items]
Deferred tax credit, valuation allowance	1,100
Income Tax Jurisdiction, Domestic State and Local \| Indefinitely
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	116,600
Income Tax Jurisdiction, Domestic State and Local \| Indefinitely \| General Business Tax Credit Carryforward
Operating Loss Carryforwards [Line Items]
Tax credit carryforwards	24,400
Income Tax Jurisdiction, Domestic State and Local \| Tax Year 2028 - 2045
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 192,500
Minimum \| Income Tax Jurisdiction, Domestic State and Local \| Internal Revenue Service (IRS)
Operating Loss Carryforwards [Line Items]
Income tax examination, period	4 years
Maximum \| Income Tax Jurisdiction, Domestic State and Local \| Internal Revenue Service (IRS)
Operating Loss Carryforwards [Line Items]
Income tax examination, period	5 years

Organization (Details) $ / shares in Units, $ in Millions	Nov. 23, 2025 USD ($) $ / shares
Merger Agreement
Business Combination [Line Items]
Share exchange ratio (in shares)	0.2215
Cash paid per share (in USD per share) \| $ / shares	$ 8.11
Green Dot Corporation \| Payments Buyer
Business Combination [Line Items]
Expected purchase price \| $	$ 690

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Segment Information

6 Months Ended

Jun. 30, 2026

Segment Reporting [Abstract]

Segment Information

Our Chief Operating Decision Maker (our “CODM,” who is our Chief Executive Officer) organizes and manages our businesses primarily on the basis of the channels in which our product and services are offered and uses net revenue and segment profit to assess profitability, segment performance and allocate resources. Segment profit reflects each segment's net revenue less direct costs, such as sales and marketing expenses, processing expenses, transaction losses and fraud management, and customer support and related expenses. Our operations are aggregated amongst three reportable segments: 1) Business to Business ("B2B") Services, 2) Consumer Services, and 3) Money Movement Services.

Our B2B Services segment consists of revenues and expenses derived from (i) our partnerships with prominent consumer and technology companies that make our banking products and services available to their consumers, partners and workforce through integration with our banking platform (the "Banking-as-a-Service," or "BaaS channel"), and (ii) a comprehensive payroll platform that we offer to corporate enterprises (the "Employer channel") to facilitate payments for today’s workforce. Our products and services in this segment include deposit account programs, such as consumer and small business checking accounts and prepaid cards, as well as our disbursement services utilized by our partners.

Our Consumer Services segment consists of revenues and expenses derived from deposit account programs, such as consumer checking accounts, prepaid cards, secured credit cards, and gift cards that we offer to consumers (i) through distribution arrangements with more than 90,000 retail locations and thousands of neighborhood Financial Service Center locations (the "Retail channel"), and (ii) directly through various marketing channels, such as online search engine optimization, online displays, direct mail campaigns, mobile advertising, and affiliate referral programs (the "Direct channel").

Our Money Movement Services segment consists of revenues and expenses generated on a per transaction basis from our services that specialize in facilitating the movement of cash on behalf of consumers and businesses, such as money processing services and tax refund processing services. Our money processing services, such as cash deposit and disbursements, are marketed to third-party banks, program managers, and other companies seeking cash deposit and disbursement capabilities for their customers. Those customers, including our own accountholders, can access our cash deposit and disbursement services at any of the locations within our network

Note 20—Segment Information (continued)

of retail distributors and neighborhood Financial Service Centers. We market our tax-related financial services through a network of tax preparation franchises, independent tax professionals and online tax preparation providers.

Our Corporate and Other segment primarily consists of net interest income, certain other investment income earned by our bank, interest profit sharing arrangements with certain BaaS partners (a reduction of revenue), eliminations of inter-segment revenues and expenses, and unallocated corporate expenses, which include our fixed expenses such as salaries, wages and related benefits for our employees and certain third-party contractors, professional services fees, software licenses, telephone and communication costs, rent, utilities, and insurance. These costs are not considered when our CODM evaluates the performance of our three reportable segments since they are not directly attributable to any reporting segment. Non-cash expenses such as stock-based compensation, depreciation and amortization of long-lived assets, impairment charges, and other non-recurring expenses that are not considered by our CODM when evaluating our overall consolidated financial results are excluded from our unallocated corporate expenses above. We do not evaluate performance or allocate resources based on segment asset data, and therefore such information is not presented.

The following tables present key financial information for each of our reportable segments for the periods then ended:


	Three Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	448,435	$	84,752	$	46,889	$	11,209	$	591,285
Segment expenses (1)
Sales and marketing expenses (2)	2,661		30,664		15,332		—		48,657
Processing expenses (3)	371,667		8,588		668		—		380,923
Transaction losses and fraud management (4)	23,165		14,206		(1,693)		—		35,678
Customer support and related expenses (5)	16,422		3,779		364		—		20,565
Compensation and benefits expenses (6)	—		—		—		33,792		33,792
Other segment items (7)	2,081		1,686		2,063		25,664		31,494
Total segment expenses	415,996		58,923		16,734		59,456		551,109
Segment profit	$	32,439	$	25,829	$	30,155	$	(48,247)	$	40,176


	Three Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	348,650	$	93,099	$	50,848	$	8,567	$	501,164
Segment expenses (1)
Sales and marketing expenses (2)	2,856		31,576		14,855		—		49,287
Processing expenses (3)	273,434		9,118		533		—		283,085
Transaction losses and fraud management (4)	26,136		15,824		(1,220)		—		40,740
Customer support and related expenses (5)	18,244		3,487		570		—		22,301
Compensation and benefits expenses (6)	—		—		—		33,905		33,905
Other segment items (7)	—		—		1,998		24,423		26,421
Total segment expenses	320,670		60,005		16,736		58,328		455,739
Segment profit	$	27,980	$	33,094	$	34,112	$	(49,761)	$	45,425

Note 20—Segment Information (continued)


	Six Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	865,977	$	171,233	$	177,594	$	28,513	$	1,243,317
Segment expenses (1)
Sales and marketing expenses (2)	5,070		62,583		39,550		—		107,203
Processing expenses (3)	724,816		17,318		1,117		—		743,251
Transaction losses and fraud management (4)	41,692		28,218		12,207		—		82,117
Customer support and related expenses (5)	29,638		8,621		1,953		—		40,212
Compensation and benefits expenses (6)	—		—		—		67,221		67,221
Other segment items (7)	3,627		3,191		4,168		49,711		60,697
Total segment expenses	804,843		119,931		58,995		116,932		1,100,701
Segment profit	$	61,134	$	51,302	$	118,599	$	(88,419)	$	142,616


	Six Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	690,641	$	188,355	$	161,095	$	17,037	$	1,057,128
Segment expenses (1)
Sales and marketing expenses (2)	6,872		64,874		36,258		—		108,004
Processing expenses (3)	538,950		18,300		1,255		—		558,505
Transaction losses and fraud management (4)	51,949		30,174		6,405		—		88,528
Customer support and related expenses (5)	37,738		8,281		1,967		—		47,986
Compensation and benefits expenses (6)	—		—		—		66,405		66,405
Other segment items (7)	—		—		4,272		47,444		51,716
Total segment expenses	635,509		121,629		50,157		113,849		921,144
Segment profit	$	55,132	$	66,726	$	110,938	$	(96,812)	$	135,984


(1)			The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM.

(2)			Sales and marketing expenses consist primarily of the commissions we pay to our retail distributors, brokers and partners, advertising and marketing expenses, and the costs of manufacturing and distributing card packages, placards and promotional materials to our retail distributors and partners, and personalized debit cards who have activated their cards.

(3)			Processing expenses consist primarily of the fees charged to us by the payment networks, which process transactions for us, any third-party card processors that maintain the records of our customers' accounts and process transaction authorizations and postings, and any third-party banks that issue or process our accounts.

(4)			Transaction losses and fraud management consist primarily of losses from customer disputed transactions, unrecovered customer purchase transaction overdraft and fraud, and other losses and recoveries on portfolios in our Money Movement Services segment. Fraud management consists of third-party contractors and support costs to manage risk operations.

(5)			Customer support and related expenses consist of third-party contractors hired to conduct call center operations and handle routine customer service inquiries, and the related costs to support our call center operations.

(6)			Compensation and benefits expenses represent the compensation and related benefits, including travel and entertainment, that we provide to our employees and third-party contractors who provide consulting support within our IT operations.

(7)			Other segment items in Money Movement Services consist principally of inter-segment expenses for reload services on the Green Dot Network. Other segment items in Corporate and Other primarily consist of other unallocated corporate operating expenses, such as professional services fees, hosting and software licenses, telephone and communication costs, rent, utilities, and insurance, and elimination of inter-segment expenses.

Note 20—Segment Information (continued)

The reconciliations of total segment revenues to total operating revenues are presented below:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Total segment revenues	$	591,285	$	501,164	$	1,243,317	$	1,057,128
Embedded finance commissions and processing expenses	6,180		4,563		11,992		8,990
Other income	(1,582)		(1,551)		(3,179)		(3,068)
Total operating revenues	$	595,883	$	504,176	$	1,252,130	$	1,063,050

Segment revenue adjustments represent commissions and certain processing-related costs associated with our embedded finance products and services, which are netted against revenues when evaluating segment performance, as well as certain other investment income earned by our bank, which is included in Corporate and Other.

The reconciliations of segment profit to (loss) income before income taxes are presented below:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Total segment profit	$	40,176	$	45,425	$	142,616	$	135,984

Reconciliation to (loss) income before income taxes
Depreciation and amortization of property, equipment and internal-use software	18,665		16,078		36,798		31,262
Stock based compensation and related employer taxes	3,423		5,759		8,427		9,202
Amortization of acquired intangible assets	5,131		5,199		10,278		10,399
Impairment charges	716		805		1,047		866
Legal settlement expenses	6,322		1,256		7,322		2,193
Restructuring and other charges	96		—		178		—
Transaction and related acquisition costs	4,864		976		6,278		1,422
Other expense	1,720		1,953		4,011		6,496
Operating (loss) income	(761)		13,399		68,277		74,144
Interest expense, net	1,581		1,631		3,157		3,017
Other (expense) income, net	(13)		(74,691)		164		(100,395)
(Loss) income before income taxes	$	(2,355)	$	(62,923)	$	65,284	$	(29,268)

- Definition

The entire disclosure for segment reporting.

+ References

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+ Details

Deposits - Schedule of Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Noninterest-bearing Deposit Liabilities, by Component [Abstract]
Non-interest bearing deposit accounts	$ 4,466,083	$ 4,275,794
Interest-bearing deposit accounts
Checking accounts	159,237	124,888
Savings	6,143	6,585
Secured card deposits	2,699	3,008
Time deposits, denominations greater than or equal to $250	3,693	3,798
Time deposits, denominations less than $250	2,474	2,221
Total interest-bearing deposit accounts	174,246	140,500
Total deposits	$ 4,640,329	$ 4,416,294

Leases

6 Months Ended

Jun. 30, 2026

Leases [Abstract]

Leases

Our remaining leases consist of operating lease agreements principally related to our corporate office location. Currently, we do not enter into any financing lease agreements. Our leases have remaining lease terms of approximately 1 year to 7 years, some of which generally include renewal options of varying terms.

Our total lease expense amounted to approximately $0.2 million and $0.9 million for the three months ended June 30, 2026 and 2025, respectively, and $0.4 million and $1.8 million for the six months ended June 30, 2026 and 2025, respectively. Our lease expense is generally based on fixed payments stated within the agreements. Any variable payments for non-lease components and other short term lease expenses are not considered material.

Additional Information

Additional information related to our right of use assets and related lease liabilities is as follows:


	June 30, 2026

Cash paid for operating lease liabilities (in thousands)	$	219
Weighted average remaining lease term (years)	5.94
Weighted average discount rate	5.4		%

Maturities of our operating lease liabilities as of June 30, 2026 are as follows:


	Operating Leases
	(In thousands)
Remainder of 2026	$	221
2027	412
2028	276
2029	271
2030	278
Thereafter	626
Total	2,084
Less: imputed interest	(312)
Total lease liabilities	$	1,772

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Jun. 30, 2026
Accounting Policies [Abstract]
Basis of Presentation	The accompanying unaudited consolidated financial statements are prepared in accordance with generally accepted accounting principles in the United States of America, or GAAP. We consolidated our wholly owned subsidiaries and eliminated all significant intercompany balances and transactions. Note 2—Summary of Significant Accounting Policies (continued) We have also prepared the accompanying unaudited consolidated financial statements in conformity with the instructions to Form 10-Q and Article 10 of Regulation S-X and, consequently, they do not include all of the annual disclosures required by GAAP. Reference is made to our Annual Report on Form 10-K for the year ended December 31, 2025 for additional disclosures, including a summary of our significant accounting policies. There have been no material changes to our previously disclosed significant accounting policies during the six months ended June 30, 2026. In our opinion, the accompanying unaudited consolidated financial statements contain all adjustments, consisting of normal and recurring items, necessary for the fair presentation of our financial position, results of operations and cash flows for the interim periods presented.
Use of Estimates	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting periods. Future events and their effects cannot be predicted with certainty; accordingly, accounting estimates require the exercise of judgment. These financial statements were prepared using information reasonably available as of June 30, 2026 and through the date of this report. The accounting estimates used in the preparation of our consolidated financial statements may change as new events occur, as more experience is acquired, as additional information is obtained, and as our operating environment changes. Actual results may differ from these estimates due to a variety of factors, including those identified under Part II, Item 1A. "Risk Factors" in this report.
Recent Accounting Pronouncements	Recent Accounting Pronouncements Accounting pronouncements not yet adopted In December 2025, the FASB issued ASU 2025-11 "Interim Reporting (Topic 270), Narrow-Scope Improvements," which clarifies the interim reporting requirements by improving navigability and more clearly specifying what disclosures are required in an interim reporting period applicable to Topic 270. The ASU is effective for annual reporting periods beginning after December 15, 2027, and early adoption is permitted. We are currently evaluating the potential effect that the updated standard will have on our consolidated financial statements and disclosures. In September 2025, the FASB issued ASU 2025-06 "Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software," which amends the accounting for and disclosure of software costs. The new guidance is effective for annual reporting periods beginning after December 15, 2027, and interim reporting periods within those annual reporting periods, with early adoption permitted. This updated standard is to be applied using a prospective, modified transition, or retrospective application. We are currently evaluating the potential effect that the updated standard will have on our consolidated financial statements and disclosures. In November 2024, the FASB issued ASU 2024-03 "Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses," which requires disclosures about specific types of expenses included in the expense captions presented on the consolidated statement of operations, as well as disclosures about selling expenses. The new guidance is effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. This updated standard is to be applied prospectively with the option for retrospective application. We are currently evaluating the potential effect that the updated standard will have on our consolidated financial statement disclosures.
Fair Value of Financial Instruments	Short-term Financial Instruments Our short-term financial instruments consist principally of unrestricted and restricted cash and cash equivalents, settlement assets and obligations, and obligations to customers. These financial instruments are short-term in nature, and, accordingly, we believe their carrying amounts approximate their fair values. Under the fair value hierarchy, these instruments are classified as Level 1. Investment Securities The fair values of investment securities have been derived using methodologies referenced in Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2025. Under the fair value hierarchy, our investment securities are classified as Level 2. Loans We determined the fair values of loans by discounting both principal and interest cash flows expected to be collected using a discount rate commensurate with the risk that we believe a market participant would consider in determining fair value. Under the fair value hierarchy, our loans are classified as Level 3. Deposits The fair value of demand and interest checking deposits and savings deposits is the amount payable on demand at the reporting date. We determined the fair value of time deposits by discounting expected future cash flows using market-derived rates based on our market yields on certificates of deposit, by maturity, at the measurement date. Under the fair value hierarchy, our deposits are classified as Level 2. Debt The fair value of the Notes and other instruments is based on borrowing rates currently available to a market participant for loans with similar terms, maturity and credit risk. The carrying amount of our outstanding Notes at June 30, 2026 approximates fair value because the interest rate charged is commensurate with current market rates for issuers of similar risk. The fair value of the Notes is classified as a Level 2 liability in the fair value hierarchy.

- Definition

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Segment Information (Tables)

6 Months Ended

Jun. 30, 2026

Segment Reporting [Abstract]

Schedule of Reportable Segments

The following tables present key financial information for each of our reportable segments for the periods then ended:


	Three Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	448,435	$	84,752	$	46,889	$	11,209	$	591,285
Segment expenses (1)
Sales and marketing expenses (2)	2,661		30,664		15,332		—		48,657
Processing expenses (3)	371,667		8,588		668		—		380,923
Transaction losses and fraud management (4)	23,165		14,206		(1,693)		—		35,678
Customer support and related expenses (5)	16,422		3,779		364		—		20,565
Compensation and benefits expenses (6)	—		—		—		33,792		33,792
Other segment items (7)	2,081		1,686		2,063		25,664		31,494
Total segment expenses	415,996		58,923		16,734		59,456		551,109
Segment profit	$	32,439	$	25,829	$	30,155	$	(48,247)	$	40,176


	Three Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	348,650	$	93,099	$	50,848	$	8,567	$	501,164
Segment expenses (1)
Sales and marketing expenses (2)	2,856		31,576		14,855		—		49,287
Processing expenses (3)	273,434		9,118		533		—		283,085
Transaction losses and fraud management (4)	26,136		15,824		(1,220)		—		40,740
Customer support and related expenses (5)	18,244		3,487		570		—		22,301
Compensation and benefits expenses (6)	—		—		—		33,905		33,905
Other segment items (7)	—		—		1,998		24,423		26,421
Total segment expenses	320,670		60,005		16,736		58,328		455,739
Segment profit	$	27,980	$	33,094	$	34,112	$	(49,761)	$	45,425

Note 20—Segment Information (continued)


	Six Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	865,977	$	171,233	$	177,594	$	28,513	$	1,243,317
Segment expenses (1)
Sales and marketing expenses (2)	5,070		62,583		39,550		—		107,203
Processing expenses (3)	724,816		17,318		1,117		—		743,251
Transaction losses and fraud management (4)	41,692		28,218		12,207		—		82,117
Customer support and related expenses (5)	29,638		8,621		1,953		—		40,212
Compensation and benefits expenses (6)	—		—		—		67,221		67,221
Other segment items (7)	3,627		3,191		4,168		49,711		60,697
Total segment expenses	804,843		119,931		58,995		116,932		1,100,701
Segment profit	$	61,134	$	51,302	$	118,599	$	(88,419)	$	142,616


	Six Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Corporate and Other		Total
	(In thousands)
Total segment revenues	$	690,641	$	188,355	$	161,095	$	17,037	$	1,057,128
Segment expenses (1)
Sales and marketing expenses (2)	6,872		64,874		36,258		—		108,004
Processing expenses (3)	538,950		18,300		1,255		—		558,505
Transaction losses and fraud management (4)	51,949		30,174		6,405		—		88,528
Customer support and related expenses (5)	37,738		8,281		1,967		—		47,986
Compensation and benefits expenses (6)	—		—		—		66,405		66,405
Other segment items (7)	—		—		4,272		47,444		51,716
Total segment expenses	635,509		121,629		50,157		113,849		921,144
Segment profit	$	55,132	$	66,726	$	110,938	$	(96,812)	$	135,984


(1)			The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM.

(2)			Sales and marketing expenses consist primarily of the commissions we pay to our retail distributors, brokers and partners, advertising and marketing expenses, and the costs of manufacturing and distributing card packages, placards and promotional materials to our retail distributors and partners, and personalized debit cards who have activated their cards.

(3)			Processing expenses consist primarily of the fees charged to us by the payment networks, which process transactions for us, any third-party card processors that maintain the records of our customers' accounts and process transaction authorizations and postings, and any third-party banks that issue or process our accounts.

(4)			Transaction losses and fraud management consist primarily of losses from customer disputed transactions, unrecovered customer purchase transaction overdraft and fraud, and other losses and recoveries on portfolios in our Money Movement Services segment. Fraud management consists of third-party contractors and support costs to manage risk operations.

(5)			Customer support and related expenses consist of third-party contractors hired to conduct call center operations and handle routine customer service inquiries, and the related costs to support our call center operations.

(6)			Compensation and benefits expenses represent the compensation and related benefits, including travel and entertainment, that we provide to our employees and third-party contractors who provide consulting support within our IT operations.

(7)			Other segment items in Money Movement Services consist principally of inter-segment expenses for reload services on the Green Dot Network. Other segment items in Corporate and Other primarily consist of other unallocated corporate operating expenses, such as professional services fees, hosting and software licenses, telephone and communication costs, rent, utilities, and insurance, and elimination of inter-segment expenses.

Note 20—Segment Information (continued)

The reconciliations of total segment revenues to total operating revenues are presented below:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Total segment revenues	$	591,285	$	501,164	$	1,243,317	$	1,057,128
Embedded finance commissions and processing expenses	6,180		4,563		11,992		8,990
Other income	(1,582)		(1,551)		(3,179)		(3,068)
Total operating revenues	$	595,883	$	504,176	$	1,252,130	$	1,063,050

The reconciliations of segment profit to (loss) income before income taxes are presented below:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Total segment profit	$	40,176	$	45,425	$	142,616	$	135,984

Reconciliation to (loss) income before income taxes
Depreciation and amortization of property, equipment and internal-use software	18,665		16,078		36,798		31,262
Stock based compensation and related employer taxes	3,423		5,759		8,427		9,202
Amortization of acquired intangible assets	5,131		5,199		10,278		10,399
Impairment charges	716		805		1,047		866
Legal settlement expenses	6,322		1,256		7,322		2,193
Restructuring and other charges	96		—		178		—
Transaction and related acquisition costs	4,864		976		6,278		1,422
Other expense	1,720		1,953		4,011		6,496
Operating (loss) income	(761)		13,399		68,277		74,144
Interest expense, net	1,581		1,631		3,157		3,017
Other (expense) income, net	(13)		(74,691)		164		(100,395)
(Loss) income before income taxes	$	(2,355)	$	(62,923)	$	65,284	$	(29,268)

- Definition

Tabular disclosure of segment reporting. Includes, but is not limited to, reconciliation of reportable segment amount to corresponding consolidated total.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-31

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
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-Name Accounting Standards Codification
-Section 50
-Paragraph 34
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-34

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26A

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
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-Section 50
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-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
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-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

+ Details

Earnings and Loss per Common Share - Schedule of Antidilutive Shares (Details) - shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Antidilutive Shares [Line Items]
Antidilutive shares (in shares)	461	978	461	1,128
Service-based restricted stock units
Antidilutive Shares [Line Items]
Antidilutive shares (in shares)	0	320	0	470
Performance-based restricted stock units
Antidilutive Shares [Line Items]
Antidilutive shares (in shares)	461	658	461	658

Debt (Tables)

6 Months Ended

Jun. 30, 2026

Debt Disclosure [Abstract]

Schedule of Debt

The following table provides the outstanding long-term debt balance, at amortized cost:


	June 30, 2026		December 31, 2025
	(In thousands)
Senior unsecured notes	$	65,000	$	65,000
Less: Unamortized discount and issuance costs	(1,261)		(1,459)
Notes payable, net of unamortized discount and issuance costs	$	63,739	$	63,541

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Current assets:
Unrestricted cash and cash equivalents	$ 1,143,395	$ 1,421,690
Restricted cash	31	44
Settlement assets	970,363	947,497
Accounts receivable, net	137,754	197,248
Prepaid expenses and other assets	63,946	73,275
Income tax receivable	1,631	589
Total current assets	2,317,120	2,640,343
Investment securities available-for-sale, at fair value	3,033,341	2,467,843
Loans to bank customers, net of allowance for credit losses of $38,005 and $21,053 as of June 30, 2026 and December 31, 2025, respectively	44,252	55,700
Prepaid expenses and other assets	151,482	154,567
Property, equipment, and internal-use software, net	200,197	198,352
Operating lease right-of-use assets	940	1,053
Deferred expenses	718	789
Net deferred tax assets	80,663	92,188
Goodwill and intangible assets	363,342	374,401
Total assets	6,192,055	5,985,236
Current liabilities:
Accounts payable	59,042	114,714
Deposits	4,640,329	4,416,294
Obligations to customers	286,709	284,978
Settlement obligations	46,827	52,916
Other accrued liabilities	149,797	153,752
Operating lease liabilities	356	325
Deferred revenue	4,307	4,224
Income tax payable	0	2,366
Total current liabilities	5,187,367	5,029,569
Other accrued liabilities	132	282
Operating lease liabilities	1,416	1,599
Notes payable	63,739	63,541
Total liabilities	5,252,654	5,094,991
Commitments and contingencies (Note 17)
Stockholders’ equity:
Class A common stock, $0.001 par value; 100,000 shares authorized as of June 30, 2026 and December 31, 2025; 56,985 and 55,565 shares issued and outstanding as of June 30, 2026 and December 31, 2025, respectively	57	56
Additional paid-in capital	430,971	427,477
Retained earnings	696,402	644,736
Accumulated other comprehensive loss	(188,029)	(182,024)
Total stockholders’ equity	939,401	890,245
Total liabilities and stockholders’ equity	$ 6,192,055	$ 5,985,236

Loans to Bank Customers (Tables)

6 Months Ended

Jun. 30, 2026

Credit Loss [Abstract]

Schedule of Past Due Financing Receivables

The following table presents total outstanding loans, gross of the related allowance for credit losses, and a summary of the related payment status:


	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Total Outstanding
	(In thousands)
June 30, 2026
Residential	$	—		$	—		$	—		$	—		$	7,519		$	7,519
Commercial	—			—			—			—			2,678			2,678
Installment	—			—			—			—			3,978			3,978
Consumer	1,996			—			—			1,996			57,322			59,318
Secured credit card	480			469			1,454			2,403			6,361			8,764
Total loans	$	2,476		$	469		$	1,454		$	4,399		$	77,858		$	82,257

Percentage of outstanding	3.0		%	0.6		%	1.8		%	5.4		%	94.6		%	100.0		%

December 31, 2025
Residential	$	—		$	—		$	—		$	—		$	7,733		$	7,733
Commercial	—			—			—			—			22,688			22,688
Installment	8			35			—			43			5,773			5,816
Consumer	1,777			—			—			1,777			28,124			29,901
Secured credit card	544			554			1,835			2,933			7,682			10,615
Total loans	$	2,329		$	589		$	1,835		$	4,753		$	72,000		$	76,753

Percentage of outstanding	3.0		%	0.8		%	2.4		%	6.2		%	93.8		%	100.0		%

Schedule of Nonperforming Loans

The following table presents the carrying value, gross of the related allowance for credit losses, of our nonperforming loans. See Note 2 — Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2025 for further information on the criteria for classification as nonperforming.


	June 30, 2026		December 31, 2025
	(In thousands)
Residential	$	11	$	19

Secured credit card	1,454		1,835
Total loans	$	1,465	$	1,854

Schedule of Financing Receivable Credit Quality Indicators

The table below presents the carrying value, gross of the related allowance for credit losses, of our loans within the primary credit quality indicators related to our loan portfolio:


	June 30, 2026				December 31, 2025
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Residential	$	7,508	$	11	$	7,714	$	19
Commercial	2,678		—		22,688		—
Installment	3,790		188		4,902		914
Consumer	59,318		—		29,901		—
Secured credit card	7,310		1,454		8,780		1,835
Total loans	$	80,604	$	1,653	$	73,985	$	2,768

Schedule of Allowance for Loan Losses

Activity in the allowance for credit losses on our loan portfolio consisted of the following:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Balance, beginning of period	$	21,645	$	22,356	$	21,053	$	17,542
Provision for loans	12,655		3,960		23,765		15,087
Loans charged off	(5,772)		(3,940)		(16,407)		(10,287)
Recoveries of loans previously charged off	29		30		146		64
Other	9,448		—		9,448		—
Balance, end of period	$	38,005	$	22,406	$	38,005	$	22,406

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Jun. 30, 2026
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies In the ordinary course of business, we are a party to various legal proceedings, including, from time to time, regulatory, supervisory, and governmental matters as well as actions which are asserted to be maintainable as class action suits, employment claims, or enforcement actions. We review these actions on an ongoing basis to determine whether it is probable and estimable that a loss has occurred and use that information when making accrual and disclosure decisions. We have provided reserves where necessary for all claims and, based on current knowledge and in part upon the advice of legal counsel, all matters are believed to be adequately covered by insurance, or, if not covered, would not be likely to have a material adverse impact on our financial condition or results of operations. Nonetheless, given the inherent unpredictability of these matters, an adverse outcome could, from time to time, have a material adverse impact on our financial condition or results of operations. Other Litigation and Claims On December 18, 2019, an alleged class action entitled Koffsmon v. Green Dot Corp., et al., No. 19-cv-10701-DDP-E, was filed in the United States District Court for the Central District of California, against us and two of our former officers. The suit asserts purported claims under Sections 10(b) and 20(a) of the Securities Exchange Act of 1934, as amended (the "Exchange Act") for allegedly misleading statements regarding our business strategy. Plaintiff alleges that defendants made statements that were misleading because they allegedly failed to disclose details regarding our customer acquisition strategy and its impact on our financial performance. The suit is purportedly brought on behalf of purchasers of our securities between May 9, 2018 and November 7, 2019, and seeks compensatory damages, fees and costs. On October 6, 2021, the Court appointed the New York Hotel Trades Council & Hotel Association of New York City, Inc. Pension Fund as lead plaintiff, and on April 1, 2022, plaintiff filed its First Amended Complaint. Defendants filed a motion to dismiss the First Amended Complaint on May 31, 2022, and the motion was denied on March 29, 2024. On September 18, 2025, the parties jointly filed a Note 17—Commitments and Contingencies (continued) Notice of Settlement, and on October 17, 2025, plaintiffs filed a motion for preliminary approval of the settlement, which the Court has taken under submission. Pursuant to the terms of the settlement (which are subject to final documentation and court approval), we expect to pay $40.0 million to the plaintiffs in resolution of all claims against us and our two former officers. If the settlement is approved by the Court, the settlement amount will be funded from available insurance coverage and this amount, less fees and expenses, will be distributed to purchasers of our securities between May 9, 2018 and November 7, 2019 who file valid proofs of claim under procedures to be implemented by the Court. The expected settlement amount is reflected as of June 30, 2026 and December 31, 2025 within the current portion of other accrued liabilities on our consolidated financial statements, with a corresponding insurance recovery recorded within accounts receivable, net. On February 18, 2020, a putative shareholder derivative action entitled Hellman v. Streit, et al., No. 20-cv-01572-SVW-PVC was filed, purportedly on behalf of the company, in the United States District Court for the Central District of California, against certain of our current and former officers and directors. The suit asserts claims for breach of fiduciary duty and unjust enrichment, as well as claims under Sections 10(b), 14(a) and 20(a) of the Exchange Act, based largely on the allegations made in the Koffsmon action. The Hellman action seeks to recover, among other things, unspecified compensatory damages on behalf of the company. Pursuant to a stipulated agreement between the parties, the Hellman action is stayed. On July 15, 2024, a putative shareholder derivative action entitled DiBlasio v. Streit, et al., No. 24-cv-05924 was filed, purportedly on behalf of the company, in the United States District Court for the Central District of California, against certain of our current and former officers and directors. A first amended complaint was filed on September 27, 2024. The suit asserts claims for breach of fiduciary duty, abuse of control, and unjust enrichment, as well as claims under Section 14(a) of the Exchange Act, based on the allegations made in Koffsmon action, and on the Consent Order (as defined herein) from the Federal Reserve. The DiBlasio action seeks to recover, among other things, unspecified compensatory damages on behalf of the company. Pursuant to a stipulated agreement between the parties, the DiBlasio action is stayed. On June 25, 2025, the Court entered an order consolidating the Hellman action and the DiBlasio action, with the Hellman action designated the lead case and the DiBlasio action closed administratively. The consolidated case remains stayed. Given the uncertainty of litigation, we are currently unable to estimate the probability of the outcome of these actions or the range of reasonably possible losses, if any, or the impact on our results of operations, financial condition or cash flows, except as disclosed. Other Legal Matters We monitor federal laws and the laws of all 50 states to identify laws or regulations that apply (or may apply) to our products and services. We have obtained money transmitter licenses (or similar such licenses) where applicable, based on advice of counsel or when we have been requested to do so. If we were found to be in violation of any laws and regulations governing our business, which includes without limitation banking, money transmitters, electronic fund transfers, escheatment, changes in accounting policies, or money laundering in the United States or abroad, we could be subject to penalties or could be forced to change our business practices. From time to time, we enter into contracts containing provisions that contingently require us to indemnify various parties against claims from third parties. These contracts primarily relate to: (i) contracts with our card issuing banks, under which we are responsible to them for any unrecovered overdrafts on accountholders’ balances; (ii) certain real estate leases, under which we may be required to indemnify property owners for environmental and other liabilities, and other claims arising from our use of the premises; (iii) certain agreements with our officers, directors, and employees, under which we may be required to indemnify these persons for liabilities arising out of their relationship with us; and (iv) contracts under which we may be required to indemnify our retail distributors, suppliers, vendors and other parties with whom we have contracts against claims arising from certain of our actions, omissions, violations of law and/or infringement of patents, trademarks, copyrights and/or other intellectual property rights. Note 17—Commitments and Contingencies (continued) Generally, a maximum obligation under these contracts is not explicitly stated. Because the obligated amounts associated with these types of agreements are not explicitly stated, the overall maximum amount of the obligation cannot be reasonably estimated. With the exception of overdrafts on accountholders’ balances, historically, we have not been required to make payments under these and similar contingent obligations, and no liabilities have been recorded for these obligations in our consolidated balance sheets. For additional information regarding overdrafts on accountholders’ balances, refer to Note 5 — Accounts Receivable.

Revenues - Schedule of Disaggregation of Revenue (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Disaggregation of Revenue [Line Items]
Operating revenues	$ 574,393	$ 482,675	$ 1,203,398	$ 1,019,920
Transferred point in time
Disaggregation of Revenue [Line Items]
Operating revenues	156,399	159,941	394,425	379,183
Transferred over time
Disaggregation of Revenue [Line Items]
Operating revenues	417,994	322,734	808,973	640,737
B2B Services
Disaggregation of Revenue [Line Items]
Operating revenues	439,701	337,474	848,859	668,385
B2B Services \| Transferred point in time
Disaggregation of Revenue [Line Items]
Operating revenues	40,182	38,581	78,519	76,125
B2B Services \| Transferred over time
Disaggregation of Revenue [Line Items]
Operating revenues	399,519	298,893	770,340	592,260
Consumer Services
Disaggregation of Revenue [Line Items]
Operating revenues	83,033	91,200	167,773	184,288
Consumer Services \| Transferred point in time
Disaggregation of Revenue [Line Items]
Operating revenues	65,382	68,170	130,759	137,428
Consumer Services \| Transferred over time
Disaggregation of Revenue [Line Items]
Operating revenues	17,651	23,030	37,014	46,860
Money Movement Services
Disaggregation of Revenue [Line Items]
Operating revenues	51,659	54,001	186,766	167,247
Money Movement Services \| Transferred point in time
Disaggregation of Revenue [Line Items]
Operating revenues	50,835	53,190	185,147	165,630
Money Movement Services \| Transferred over time
Disaggregation of Revenue [Line Items]
Operating revenues	$ 824	$ 811	$ 1,619	$ 1,617

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

- Definition

Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.

+ References

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Cover Page - shares	6 Months Ended
Cover Page - shares	Jun. 30, 2026	Jul. 31, 2026
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2026
Document Transition Report	false
Entity File Number	001-34819
Entity Registrant Name	GREEN DOT CORP
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	95-4766827
Entity Address, Address Line One	1675 N. Freedom Blvd (200 West) Building 1
Entity Address, City or Town	Provo,
Entity Address, State or Province	UT
Entity Address, Postal Zip Code	84604
City Area Code	(626)
Local Phone Number	765-2000
Title of 12(b) Security	Class A Common Stock, $0.001 par value
Trading Symbol	GDOT
Security Exchange Name	NYSE
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		56,985,179
Entity Central Index Key	0001386278
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q2
Amendment Flag	false

Loans to Bank Customers - Schedule of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Allowance for Loan Losses [Roll Forward]
Balance, beginning of period	$ 21,645	$ 22,356	$ 21,053	$ 17,542
Provision for loans	12,655	3,960	23,765	15,087
Loans charged off	(5,772)	(3,940)	(16,407)	(10,287)
Recoveries of loans previously charged off	29	30	146	64
Other	9,448	0	9,448	0
Balance, end of period	$ 38,005	$ 22,406	$ 38,005	$ 22,406

Loans to Bank Customers

6 Months Ended

Jun. 30, 2026

Credit Loss [Abstract]

Loans to Bank Customers

The following table presents total outstanding loans, gross of the related allowance for credit losses, and a summary of the related payment status:


	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Total Outstanding
	(In thousands)
June 30, 2026
Residential	$	—		$	—		$	—		$	—		$	7,519		$	7,519
Commercial	—			—			—			—			2,678			2,678
Installment	—			—			—			—			3,978			3,978
Consumer	1,996			—			—			1,996			57,322			59,318
Secured credit card	480			469			1,454			2,403			6,361			8,764
Total loans	$	2,476		$	469		$	1,454		$	4,399		$	77,858		$	82,257

Percentage of outstanding	3.0		%	0.6		%	1.8		%	5.4		%	94.6		%	100.0		%

December 31, 2025
Residential	$	—		$	—		$	—		$	—		$	7,733		$	7,733
Commercial	—			—			—			—			22,688			22,688
Installment	8			35			—			43			5,773			5,816
Consumer	1,777			—			—			1,777			28,124			29,901
Secured credit card	544			554			1,835			2,933			7,682			10,615
Total loans	$	2,329		$	589		$	1,835		$	4,753		$	72,000		$	76,753

Percentage of outstanding	3.0		%	0.8		%	2.4		%	6.2		%	93.8		%	100.0		%

We offer an optional overdraft protection program service on certain demand deposit account programs that allows customers who opt-in and meet certain criteria to spend up to a pre-authorized amount in excess of their available account balance. When overdrawn, the purchase related balances due on these deposit accounts are reclassified as consumer loans. Fees due from our accountholders for our overdraft service are included as a component of accounts receivable. Overdrawn balances are unsecured and considered immediately due from the customer. Also included in consumer loans are advances made to taxpayers under our tax advance program. These loan balances generally fluctuate over the first half of each year due to the seasonal nature of these advances.

Nonperforming Loans


	June 30, 2026		December 31, 2025
	(In thousands)
Residential	$	11	$	19

Secured credit card	1,454		1,835
Total loans	$	1,465	$	1,854

Credit Quality Indicators

We closely monitor and assess the credit quality and credit risk of our loan portfolio on an ongoing basis. We continuously review and update loan risk classifications. We evaluate our loans using non-classified or classified as the primary credit quality indicator. Classified loans include those designated as substandard, doubtful, or loss, consistent with regulatory guidelines. Secured credit card loans are considered classified if they are greater than 90 days past due. However, our secured credit card portfolio is collateralized by cash deposits made by each accountholder in an amount equal to the user's available credit limit, which mitigates the risk of any significant credit losses we expect to incur.

Note 6—Loans to Bank Customers (continued)

The table below presents the carrying value, gross of the related allowance for credit losses, of our loans within the primary credit quality indicators related to our loan portfolio:


	June 30, 2026				December 31, 2025
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Residential	$	7,508	$	11	$	7,714	$	19
Commercial	2,678		—		22,688		—
Installment	3,790		188		4,902		914
Consumer	59,318		—		29,901		—
Secured credit card	7,310		1,454		8,780		1,835
Total loans	$	80,604	$	1,653	$	73,985	$	2,768

Allowance for Credit Losses

Activity in the allowance for credit losses on our loan portfolio consisted of the following:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Balance, beginning of period	$	21,645	$	22,356	$	21,053	$	17,542
Provision for loans	12,655		3,960		23,765		15,087
Loans charged off	(5,772)		(3,940)		(16,407)		(10,287)
Recoveries of loans previously charged off	29		30		146		64
Other	9,448		—		9,448		—
Balance, end of period	$	38,005	$	22,406	$	38,005	$	22,406

Investment Securities - Schedule of Gross Gains and Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Debt Securities, Available-for-sale [Line Items]
Amortized cost	$ 3,281,394	$ 2,707,799
Gross unrealized gains	1,174	1,478
Gross unrealized losses	(249,227)	(241,434)
Fair value	3,033,341	2,467,843
Agency bond securities
Debt Securities, Available-for-sale [Line Items]
Amortized cost	179,228	179,227
Gross unrealized gains	0	0
Gross unrealized losses	(23,153)	(22,252)
Fair value	156,075	156,975
Agency mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized cost	2,719,895	2,145,925
Gross unrealized gains	1,079	1,392
Gross unrealized losses	(219,544)	(212,399)
Fair value	2,501,430	1,934,918
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Amortized cost	28,126	28,137
Gross unrealized gains	0	0
Gross unrealized losses	(5,486)	(5,581)
Fair value	22,640	22,556
Asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized cost	354,145	354,510
Gross unrealized gains	95	86
Gross unrealized losses	(1,044)	(1,202)
Fair value	$ 353,196	$ 353,394

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

Stockholders' Equity	6 Months Ended
Stockholders' Equity	Jun. 30, 2026
Equity [Abstract]
Stockholders' Equity	Stockholders' Equity Stock Repurchase Program In February 2022, our Board of Directors authorized a $100 million increase to our stock repurchase program. As of June 30, 2026, we had an authorized $4.5 million remaining under our stock repurchase program for additional repurchases. There were no repurchases during the six months ended June 30, 2026. Pursuant to the Merger Agreement and the Separation Agreement, we are restricted from making further repurchases without the approval of CommerceOne and Payments Buyer, respectively.

- Definition

The entire disclosure for equity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 20
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479951/505-20-S50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
-Section S25
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479982/505-20-S25-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147480070/505-10-S50-1

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
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-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-3

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
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-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480100/505-10-S45-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480100/505-10-S45-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
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-Paragraph 13
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
-Section S50
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 4
-Subparagraph (SAB Topic 4.C)
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481520/505-30-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(29))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479982/505-20-S25-3

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-Name Accounting Standards Codification
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
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-Name Accounting Standards Codification
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-Publisher FASB
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
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Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)
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-URI https://asc.fasb.org/1943274/2147480237/815-40-50-6

Reference 31: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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Reference 32: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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Reference 33: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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Reference 34: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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Reference 35: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-16

+ Details

Investment Securities - Schedule of Maturities (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Amortized cost
Due after one year through five years	$ 139,228
Due after five years through ten years	40,000
Due after ten years	28,126
Mortgage and asset-backed securities	3,074,040
Amortized cost	3,281,394	$ 2,707,799
Fair value
Due after one year through five years	124,296
Due after five years through ten years	31,779
Due after ten years	22,640
Mortgage and asset-backed securities	2,854,626
Fair value	$ 3,033,341	$ 2,467,843

Accounts Receivable

6 Months Ended

Jun. 30, 2026

Receivables [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:


	June 30, 2026		December 31, 2025
	(In thousands)
Trade receivables	$	41,681	$	44,349
Reserve for uncollectible trade receivables	(24)		(139)
Net trade receivables	41,657		44,210

Overdrawn accountholder balances from purchase transactions	6,086		5,173
Reserve for uncollectible overdrawn accounts from purchase transactions	(993)		(1,215)
Net overdrawn accountholder balances from purchase transactions	5,093		3,958

Accountholder fees	2,233		2,136
Receivables due from card issuing banks	1,084		1,682
Fee advances, net	2,252		58,572
Other receivables	85,435		86,690
Accounts receivable, net	$	137,754	$	197,248

Included within "other receivables" above is $40 million related to the settlement of a class-action lawsuit. See Note 17—Commitments and Contingencies for further information.

Activity in the reserve for uncollectible overdrawn accounts from purchase transactions consisted of the following:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Balance, beginning of period	$	1,323	$	1,835	$	1,215	$	1,741
Provision for uncollectible overdrawn accounts from purchase transactions	2,254		3,746		4,810		6,610
Charge-offs	(2,584)		(3,624)		(5,032)		(6,394)
Balance, end of period	$	993	$	1,957	$	993	$	1,957

Segment Information - Schedule of Reportable Segments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Segment Reporting [Line Items]
Total segment revenues	$ 595,883	$ 504,176	$ 1,252,130	$ 1,063,050
Segment expenses
Sales and marketing expenses	49,359	50,159	108,672	109,847
Processing expenses	394,692	293,213	769,286	578,530
Compensation and benefits expenses	59,003	63,847	118,774	130,061
Operating Segments
Segment Reporting [Line Items]
Total segment revenues	591,285	501,164	1,243,317	1,057,128
Segment expenses
Sales and marketing expenses	48,657	49,287	107,203	108,004
Processing expenses	380,923	283,085	743,251	558,505
Transaction losses and fraud management	35,678	40,740	82,117	88,528
Customer support and related expenses	20,565	22,301	40,212	47,986
Compensation and benefits expenses	33,792	33,905	67,221	66,405
Other segment items	31,494	26,421	60,697	51,716
Total segment expenses	551,109	455,739	1,100,701	921,144
Segment profit	40,176	45,425	142,616	135,984
Operating Segments \| B2B Services
Segment Reporting [Line Items]
Total segment revenues	448,435	348,650	865,977	690,641
Segment expenses
Sales and marketing expenses	2,661	2,856	5,070	6,872
Processing expenses	371,667	273,434	724,816	538,950
Transaction losses and fraud management	23,165	26,136	41,692	51,949
Customer support and related expenses	16,422	18,244	29,638	37,738
Compensation and benefits expenses	0	0	0	0
Other segment items	2,081	0	3,627	0
Total segment expenses	415,996	320,670	804,843	635,509
Segment profit	32,439	27,980	61,134	55,132
Operating Segments \| Consumer Services
Segment Reporting [Line Items]
Total segment revenues	84,752	93,099	171,233	188,355
Segment expenses
Sales and marketing expenses	30,664	31,576	62,583	64,874
Processing expenses	8,588	9,118	17,318	18,300
Transaction losses and fraud management	14,206	15,824	28,218	30,174
Customer support and related expenses	3,779	3,487	8,621	8,281
Compensation and benefits expenses	0	0	0	0
Other segment items	1,686	0	3,191	0
Total segment expenses	58,923	60,005	119,931	121,629
Segment profit	25,829	33,094	51,302	66,726
Operating Segments \| Money Movement Services
Segment Reporting [Line Items]
Total segment revenues	46,889	50,848	177,594	161,095
Segment expenses
Sales and marketing expenses	15,332	14,855	39,550	36,258
Processing expenses	668	533	1,117	1,255
Transaction losses and fraud management	(1,693)	(1,220)	12,207	6,405
Customer support and related expenses	364	570	1,953	1,967
Compensation and benefits expenses	0	0	0	0
Other segment items	2,063	1,998	4,168	4,272
Total segment expenses	16,734	16,736	58,995	50,157
Segment profit	30,155	34,112	118,599	110,938
Operating Segments \| Corporate and Other
Segment Reporting [Line Items]
Total segment revenues	11,209	8,567	28,513	17,037
Segment expenses
Sales and marketing expenses	0	0	0	0
Processing expenses	0	0	0	0
Transaction losses and fraud management	0	0	0	0
Customer support and related expenses	0	0	0	0
Compensation and benefits expenses	33,792	33,905	67,221	66,405
Other segment items	25,664	24,423	49,711	47,444
Total segment expenses	59,456	58,328	116,932	113,849
Segment profit	$ (48,247)	$ (49,761)	$ (88,419)	$ (96,812)

Accounts Receivable (Tables)

6 Months Ended

Jun. 30, 2026

Receivables [Abstract]

Schedule of Accounts Receivable

Accounts receivable, net consisted of the following:


	June 30, 2026		December 31, 2025
	(In thousands)
Trade receivables	$	41,681	$	44,349
Reserve for uncollectible trade receivables	(24)		(139)
Net trade receivables	41,657		44,210

Overdrawn accountholder balances from purchase transactions	6,086		5,173
Reserve for uncollectible overdrawn accounts from purchase transactions	(993)		(1,215)
Net overdrawn accountholder balances from purchase transactions	5,093		3,958

Accountholder fees	2,233		2,136
Receivables due from card issuing banks	1,084		1,682
Fee advances, net	2,252		58,572
Other receivables	85,435		86,690
Accounts receivable, net	$	137,754	$	197,248

Activity in the reserve for uncollectible overdrawn accounts from purchase transactions consisted of the following:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Balance, beginning of period	$	1,323	$	1,835	$	1,215	$	1,741
Provision for uncollectible overdrawn accounts from purchase transactions	2,254		3,746		4,810		6,610
Charge-offs	(2,584)		(3,624)		(5,032)		(6,394)
Balance, end of period	$	993	$	1,957	$	993	$	1,957

Accounts Receivable - Narrative (Details) $ in Millions	Jun. 30, 2026 USD ($)
Receivables [Abstract]
Other receivables	$ 40

Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2026

Fair Value Disclosures [Abstract]

Schedule of Assets and Liabilities Carried at Fair Value

As of June 30, 2026 and December 31, 2025, our assets carried at fair value on a recurring basis were as follows:


	Level 1		Level 2		Level 3		Total Fair Value
June 30, 2026	(In thousands)
Assets
Investment securities:


Agency bond securities	$	—	$	156,075	$	—	$	156,075
Agency mortgage-backed securities	—		2,501,430		—		2,501,430
Municipal bonds	—		22,640		—		22,640
Asset-backed securities	—		353,196		—		353,196

Total assets	$	—	$	3,033,341	$	—	$	3,033,341

December 31, 2025
Assets
Investment securities:



Agency bond securities	$	—	$	156,975	$	—	$	156,975
Agency mortgage-backed securities	—		1,934,918		—		1,934,918
Municipal bonds	—		22,556		—		22,556
Asset-backed securities	—		353,394		—		353,394

Total assets	$	—	$	2,467,843	$	—	$	2,467,843

Accounts Receivable - Schedule of Reserve For Uncollectible Overdrawn Accounts (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Uncollectible Overdrawn Accounts [Roll Forward]
Provision for uncollectible overdrawn accounts from purchase transactions			$ 4,810	$ 6,610
Reserve for Uncollectible Overdrawn Accounts From Purchase Transactions
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 1,323	$ 1,835	1,215	1,741
Provision for uncollectible overdrawn accounts from purchase transactions	2,254	3,746	4,810	6,610
Charge-offs	(2,584)	(3,624)	(5,032)	(6,394)
Balance, end of period	$ 993	$ 1,957	$ 993	$ 1,957

Investment Securities (Tables)

6 Months Ended

Jun. 30, 2026

Investments, Debt and Equity Securities [Abstract]

Schedule of Available-for-Sale Investment Securities

Our available-for-sale investment securities were as follows:


	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
	(In thousands)
June 30, 2026


Agency bond securities	$	179,228	$	—	$	(23,153)	$	156,075
Agency mortgage-backed securities	2,719,895		1,079		(219,544)		2,501,430
Municipal bonds	28,126		—		(5,486)		22,640
Asset-backed securities	354,145		95		(1,044)		353,196
Total investment securities	$	3,281,394	$	1,174	$	(249,227)	$	3,033,341

December 31, 2025



Agency bond securities	$	179,227	$	—	$	(22,252)	$	156,975
Agency mortgage-backed securities	2,145,925		1,392		(212,399)		1,934,918
Municipal bonds	28,137		—		(5,581)		22,556
Asset-backed securities	354,510		86		(1,202)		353,394
Total investment securities	$	2,707,799	$	1,478	$	(241,434)	$	2,467,843

Schedule of Available-for-Sale Securities, Unrealized Loss Position

As of June 30, 2026 and December 31, 2025, the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows:


	Less than 12 months				12 months or more				Total fair value		Total unrealized loss
	Fair value		Unrealized loss		Fair value		Unrealized loss
	(In thousands)
June 30, 2026

Agency bond securities	$	—	$	—	$	156,075	$	(23,153)	$	156,075	$	(23,153)
Agency mortgage-backed securities	1,002,335		(4,158)		1,021,757		(215,386)		2,024,092		(219,544)
Municipal bonds	—		—		22,640		(5,486)		22,640		(5,486)
Asset-backed securities	255,547		(904)		40,557		(140)		296,104		(1,044)
Total investment securities	$	1,257,882	$	(5,062)	$	1,241,029	$	(244,165)	$	2,498,911	$	(249,227)

December 31, 2025


Agency bond securities	$	—	$	—	$	156,975	$	(22,252)	$	156,975	$	(22,252)
Agency mortgage-backed securities	504,676		(1,764)		1,049,422		(210,635)		1,554,098		(212,399)
Municipal bonds	—		—		22,556		(5,581)		22,556		(5,581)
Asset-backed securities	321,811		(1,202)		—		—		321,811		(1,202)
Total investment securities	$	826,487	$	(2,966)	$	1,228,953	$	(238,468)	$	2,055,440	$	(241,434)

Schedule of Maturity Dates for Available-for-Sale Investment Securities

As of June 30, 2026, the contractual maturities of our available-for-sale investment securities were as follows:


	Amortized cost		Fair value
	(In thousands)

Due after one year through five years	$	139,228	$	124,296
Due after five years through ten years	40,000		31,779
Due after ten years	28,126		22,640
Mortgage and asset-backed securities	3,074,040		2,854,626
Total investment securities	$	3,281,394	$	3,033,341

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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+ Details

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
Operating activities
Net (loss) income	$ 51,666	$ (21,252)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization of property, equipment and internal-use software	36,798	31,262
Amortization of intangible assets	10,278	10,399
Provision for uncollectible overdrawn accounts from purchase transactions	4,810	6,610
Provision for loan losses	23,765	15,087
Stock-based compensation	7,826	8,757
Losses in equity method investments	3,097	78,702
Realized loss on available-for-sale investment securities	0	24,779
Amortization of premium and discount on available-for-sale investment securities	2,084	(589)
Impairment of long-lived assets	1,047	866
Other	(2,794)	(2,735)
Changes in operating assets and liabilities:
Accounts receivable, net	54,684	22,328
Prepaid expenses and other assets	11,673	12,157
Deferred expenses	71	374
Accounts payable and other accrued liabilities	(20,425)	6,342
Deferred revenue	(67)	(1,983)
Income tax receivable/payable	10,211	(13,644)
Other, net	(39)	241
Net cash provided by operating activities	194,685	177,701
Investing activities
Purchases of available-for-sale investment securities	(671,567)	(274,820)
Proceeds from maturities of available-for-sale securities	95,929	103,283
Proceeds from sales and calls of available-for-sale securities	0	730,447
Payments for property, equipment and internal-use software	(38,878)	(38,912)
Net changes in loans	(12,317)	(17,413)
Other investing activities	(957)	(921)
Net cash (used in) provided by investing activities	(627,790)	501,664
Financing activities
Borrowings on notes payable	0	14,860
Proceeds from ESPP purchases	820	2,633
Taxes paid related to net share settlement of equity awards	(5,151)	(2,633)
Net changes in deposits	185,569	86,303
Net changes in settlement assets and obligations to customers	(26,441)	(59,978)
Deferred financing costs	0	(423)
Net cash provided by financing activities	154,797	40,762
Net (decrease) increase in unrestricted cash, cash equivalents and restricted cash	(278,308)	720,127
Unrestricted cash, cash equivalents and restricted cash, beginning of period	1,421,734	1,592,435
Unrestricted cash, cash equivalents and restricted cash, end of period	1,143,426	2,312,562
Cash paid for interest	8,337	6,549
Cash paid for income taxes	3,160	5,374
Unrestricted cash and cash equivalents	1,143,395	2,312,518
Restricted cash	31	44
Total unrestricted cash, cash equivalents and restricted cash, end of period	$ 1,143,426	$ 2,312,562

Debt - Schedule of Debt (Details) - Fixed Rate Senior Notes due 2029 - Senior Notes - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Line of Credit Facility [Line Items]
Senior unsecured notes	$ 65,000	$ 65,000
Less: Unamortized discount and issuance costs	(1,261)	(1,459)
Notes payable, net of unamortized discount and issuance costs	$ 63,739	$ 63,541

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

- Definition

Amount of unamortized debt discount (premium) and debt issuance costs.

+ References + Details

- Definition

Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.

+ References

+ Details

Restructuring and Other Charges	6 Months Ended
Restructuring and Other Charges	Jun. 30, 2026
Restructuring and Related Activities [Abstract]
Restructuring and Other Charges	Restructuring and Other Charges During the third quarter of 2025, we announced a plan to exit our operational activities in China by the end of 2025 as a means of reducing complexity and promoting long-term structural improvements for our business. As a result of this transition, we recorded restructuring and other charges that were primarily related to severance and employee benefits and other direct costs associated with the restructuring, including lease related termination costs. We completed effectively all of our restructuring activities as of December 31, 2025 and accordingly, substantially all payments were made during the fourth quarter of 2025. Any residual restructuring charges are related to support costs for the formal dissolution of the legal entity.

Fair Value of Financial Instruments

6 Months Ended

Jun. 30, 2026

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

The following describes the valuation technique for determining the fair value of financial instruments, whether or not such instruments are carried at fair value on our consolidated balance sheets.

Short-term Financial Instruments

Our short-term financial instruments consist principally of unrestricted and restricted cash and cash equivalents, settlement assets and obligations, and obligations to customers. These financial instruments are short-term in nature, and, accordingly, we believe their carrying amounts approximate their fair values. Under the fair value hierarchy, these instruments are classified as Level 1.

Investment Securities

The fair values of investment securities have been derived using methodologies referenced in Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2025. Under the fair value hierarchy, our investment securities are classified as Level 2.

Loans

We determined the fair values of loans by discounting both principal and interest cash flows expected to be collected using a discount rate commensurate with the risk that we believe a market participant would consider in determining fair value. Under the fair value hierarchy, our loans are classified as Level 3.

Deposits

The fair value of demand and interest checking deposits and savings deposits is the amount payable on demand at the reporting date. We determined the fair value of time deposits by discounting expected future cash flows using market-derived rates based on our market yields on certificates of deposit, by maturity, at the measurement date. Under the fair value hierarchy, our deposits are classified as Level 2.

Debt

The fair value of the Notes and other instruments is based on borrowing rates currently available to a market participant for loans with similar terms, maturity and credit risk. The carrying amount of our outstanding Notes at June 30, 2026 approximates fair value because the interest rate charged is commensurate with current market rates for issuers of similar risk. The fair value of the Notes is classified as a Level 2 liability in the fair value hierarchy.

Fair Value of Financial Instruments

The carrying values and fair values of certain financial instruments that were not carried at fair value, excluding short-term financial instruments and debt, for which the carrying value approximates fair value at June 30, 2026 and December 31, 2025 are presented in the table below.


	June 30, 2026				December 31, 2025
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers, net of allowance	$	44,252	$	44,012	$	55,700	$	54,415

Financial Liabilities
Deposits	$	4,640,329	$	4,640,047	$	4,416,294	$	4,415,994

Income Taxes (Tables)

6 Months Ended

Jun. 30, 2026

Income Tax Disclosure [Abstract]

Schedule of Reconciliation of Effective Tax Rate

The sources and tax effects of the differences are as follows:


	Six Months Ended June 30,
	2026		2025
U.S. federal statutory tax rate	21.0	%	21.0	%
State income taxes, net of federal tax benefit	1.5		5.7
Foreign tax rate differential	—		0.3
General business credits	(2.2)		1.6
IRC 162(m) limitation	(0.4)		2.3
Stock-based compensation	(0.1)		(4.9)
Bank-owned life insurance income	(2.3)		2.0
Nondeductible expenses	0.3		(0.3)
Nondeductible transaction related costs	0.7		—
Change in valuation allowance	2.3		—
Global intangible low-tax income tax	—		(0.2)
Other	0.1		(0.1)
Effective tax rate	20.9	%	27.4	%

Schedule of Unrecognized Tax Benefits Roll Forward

The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows:


	Six Months Ended June 30,
	2026		2025
	(In thousands)
Beginning balance	$	11,423	$	12,541

Increases related to positions taken during the current year	966		1,164


Ending balance	$	12,389	$	13,705

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	12,001	$	13,135

Revenues (Tables)

6 Months Ended

Jun. 30, 2026

Revenue from Contract with Customer [Abstract]

Schedule of Disaggregation of Revenue

The following tables disaggregate our revenues earned from external customers by each of our reportable segments:

Note 3—Revenues (continued)


	Three Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	40,182	$	65,382	$	50,835	$	156,399
Transferred over time	399,519		17,651		824		417,994
Operating revenues (1)	$	439,701	$	83,033	$	51,659	$	574,393


	Three Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	38,581	$	68,170	$	53,190	$	159,941
Transferred over time	298,893		23,030		811		322,734
Operating revenues (1)	$	337,474	$	91,200	$	54,001	$	482,675


	Six Months Ended June 30, 2026
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	78,519	$	130,759	$	185,147	$	394,425
Transferred over time	770,340		37,014		1,619		808,973
Operating revenues (1)	$	848,859	$	167,773	$	186,766	$	1,203,398


	Six Months Ended June 30, 2025
	B2B Services		Consumer Services		Money Movement Services		Total
Timing of recognition	(In thousands)
Transferred point in time	$	76,125	$	137,428	$	165,630	$	379,183
Transferred over time	592,260		46,860		1,617		640,737
Operating revenues (1)	$	668,385	$	184,288	$	167,247	$	1,019,920


(1)			Excludes net interest income, a component of total operating revenues, as it is outside the scope of ASC 606, Revenues. Also excludes the effects of inter-segment revenues.

Leases - Schedule of Additional Information of Right of Use Assets and Related Lease Liabilities (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2026 USD ($)
Leases [Abstract]
Cash paid for operating lease liabilities (in thousands)	$ 219
Weighted average remaining lease term (years)	5 years 11 months 8 days
Weighted average discount rate	5.40%

Leases - Schedule of Maturities of Operating Leases (Details) $ in Thousands	Jun. 30, 2026 USD ($)
Operating Leases
Remainder of 2026	$ 221
2027	412
2028	276
2029	271
2030	278
Thereafter	626
Total	2,084
Less: imputed interest	(312)
Total lease liabilities	$ 1,772

Summary of Significant Accounting Policies	6 Months Ended
Summary of Significant Accounting Policies	Jun. 30, 2026
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Basis of Presentation The accompanying unaudited consolidated financial statements are prepared in accordance with generally accepted accounting principles in the United States of America, or GAAP. We consolidated our wholly owned subsidiaries and eliminated all significant intercompany balances and transactions. Note 2—Summary of Significant Accounting Policies (continued) We have also prepared the accompanying unaudited consolidated financial statements in conformity with the instructions to Form 10-Q and Article 10 of Regulation S-X and, consequently, they do not include all of the annual disclosures required by GAAP. Reference is made to our Annual Report on Form 10-K for the year ended December 31, 2025 for additional disclosures, including a summary of our significant accounting policies. There have been no material changes to our previously disclosed significant accounting policies during the six months ended June 30, 2026. In our opinion, the accompanying unaudited consolidated financial statements contain all adjustments, consisting of normal and recurring items, necessary for the fair presentation of our financial position, results of operations and cash flows for the interim periods presented. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting periods. Future events and their effects cannot be predicted with certainty; accordingly, accounting estimates require the exercise of judgment. These financial statements were prepared using information reasonably available as of June 30, 2026 and through the date of this report. The accounting estimates used in the preparation of our consolidated financial statements may change as new events occur, as more experience is acquired, as additional information is obtained, and as our operating environment changes. Actual results may differ from these estimates due to a variety of factors, including those identified under Part II, Item 1A. "Risk Factors" in this report. Recent Accounting Pronouncements Accounting pronouncements not yet adopted In December 2025, the FASB issued ASU 2025-11 "Interim Reporting (Topic 270), Narrow-Scope Improvements," which clarifies the interim reporting requirements by improving navigability and more clearly specifying what disclosures are required in an interim reporting period applicable to Topic 270. The ASU is effective for annual reporting periods beginning after December 15, 2027, and early adoption is permitted. We are currently evaluating the potential effect that the updated standard will have on our consolidated financial statements and disclosures. In September 2025, the FASB issued ASU 2025-06 "Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software," which amends the accounting for and disclosure of software costs. The new guidance is effective for annual reporting periods beginning after December 15, 2027, and interim reporting periods within those annual reporting periods, with early adoption permitted. This updated standard is to be applied using a prospective, modified transition, or retrospective application. We are currently evaluating the potential effect that the updated standard will have on our consolidated financial statements and disclosures. In November 2024, the FASB issued ASU 2024-03 "Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses," which requires disclosures about specific types of expenses included in the expense captions presented on the consolidated statement of operations, as well as disclosures about selling expenses. The new guidance is effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. This updated standard is to be applied prospectively with the option for retrospective application. We are currently evaluating the potential effect that the updated standard will have on our consolidated financial statement disclosures.

Fair Value Measurements

6 Months Ended

Jun. 30, 2026

Fair Value Disclosures [Abstract]

Fair Value Measurements

Under applicable accounting guidance, fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.

We determine the fair values of our financial instruments based on the fair value hierarchy established under applicable accounting guidance, which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. There are three levels of inputs used to measure fair value.

For more information regarding the fair value hierarchy and how we measure fair value, see Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2025.

As of June 30, 2026 and December 31, 2025, our assets carried at fair value on a recurring basis were as follows:


	Level 1		Level 2		Level 3		Total Fair Value
June 30, 2026	(In thousands)
Assets
Investment securities:


Agency bond securities	$	—	$	156,075	$	—	$	156,075
Agency mortgage-backed securities	—		2,501,430		—		2,501,430
Municipal bonds	—		22,640		—		22,640
Asset-backed securities	—		353,196		—		353,196

Total assets	$	—	$	3,033,341	$	—	$	3,033,341

December 31, 2025
Assets
Investment securities:



Agency bond securities	$	—	$	156,975	$	—	$	156,975
Agency mortgage-backed securities	—		1,934,918		—		1,934,918
Municipal bonds	—		22,556		—		22,556
Asset-backed securities	—		353,394		—		353,394

Total assets	$	—	$	2,467,843	$	—	$	2,467,843

We based the fair value of our fixed income securities held as of June 30, 2026 and December 31, 2025 on quoted prices in active markets for similar assets. We had no transfers between Level 1, Level 2 or Level 3 assets or liabilities during the three and six months ended June 30, 2026 or 2025.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
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Reference 3: http://www.xbrl.org/2003/role/exampleRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (a)
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Income Taxes - Schedule of Rollforward of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
Reconciliation of Unrecognized Tax Benefits [Roll Forward]
Beginning balance	$ 11,423	$ 12,541
Increases related to positions taken during the current year	966	1,164
Ending balance	12,389	13,705
The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$ 12,001	$ 13,135

Income Taxes

6 Months Ended

Jun. 30, 2026

Income Tax Disclosure [Abstract]

Income Taxes

Our income tax expense for the six months ended June 30, 2026 and 2025 differs from the amount computed by applying the statutory federal income tax rate to income before income taxes. The sources and tax effects of the differences are as follows:


	Six Months Ended June 30,
	2026		2025
U.S. federal statutory tax rate	21.0	%	21.0	%
State income taxes, net of federal tax benefit	1.5		5.7
Foreign tax rate differential	—		0.3
General business credits	(2.2)		1.6
IRC 162(m) limitation	(0.4)		2.3
Stock-based compensation	(0.1)		(4.9)
Bank-owned life insurance income	(2.3)		2.0
Nondeductible expenses	0.3		(0.3)
Nondeductible transaction related costs	0.7		—
Change in valuation allowance	2.3		—
Global intangible low-tax income tax	—		(0.2)
Other	0.1		(0.1)
Effective tax rate	20.9	%	27.4	%

The effective tax rate for the six months ended June 30, 2026 and 2025 differs from the statutory federal income tax rate of 21%, primarily due to state income taxes, net of federal tax benefits, general business credits, stock-based compensation, cash surrender value growth in bank owned life insurance policies, the Internal Revenue Code (the "IRC") 162(m) limitation on the deductibility of executive compensation, and the change in valuation allowance. The net decrease in the effective tax rate for the six months ended June 30, 2026 from the prior year comparable period was due to several factors, including a decrease of $1.4 million in tax expense associated with shortfalls from stock-based compensation, an increase of $0.9 million in the tax benefit from the cash surrender value in bank-owned life insurance policies, and a higher tax rate benefit due to an increase of $1.0 million in general business credits. These decreases were partially offset by an increase of $2.7 million in state income taxes expense, net of federal benefits, an increase of $0.4 million in the amount of compensation expense that was subject to the IRC 162(m) limitation on the deductibility of certain executive compensation, an increase of $0.4 million in nondeductible transaction related costs, and an increase in the valuation allowance recorded against our 2026 federal and state research credits. For the six months ended June 30, 2026, we recorded valuation allowances of $1.1 million against our 2026 federal research credits, which is reflected in change in valuation allowance, and $1.1 million against our 2026 state research credits, reflected in state income taxes, net of federal tax benefit in our effective tax rate reconciliation.

We have made a policy election to account for Global Intangible Low-Taxed Income ("GILTI") in the year the GILTI tax is incurred. For the six months ended June 30, 2026 and 2025, the provision for GILTI tax expense was not material to our financial statements.

We establish a valuation allowance when we consider it more-likely-than-not that some portion or all of the deferred tax assets will not be realized. As of June 30, 2026, we have a valuation allowance recorded against our 2026 federal research credits, state research credits, certain state net operating loss carryforwards, a portion of our capital loss carryforwards, and the deferred tax assets of our China subsidiary as we believe it is more-likely-than-not that the tax benefits related to these items will not be realized. During the six months ended June 30, 2026, we recorded a valuation allowance of approximately $2.2 million against our 2026 federal and state research credits as we determined it was more-likely-than-not that the benefit of these credits would not be realized; accordingly, no tax benefit was recognized for the 2026 federal and state research credits in the current period. All other valuation allowances previously recorded as of December 31, 2025 remained unchanged. As of December 31, 2025, we recorded a valuation allowance of approximately $21.6 million against our state research credits, certain state net operating loss carryforwards, a portion of our capital loss carryforwards, and the deferred tax assets of our China subsidiary as we determined it was more-likely-than-not that the tax benefits related to these items would not be realized.

Note 10—Income Taxes (continued)

We are subject to examination by the Internal Revenue Service (the "IRS"), and various state tax authorities. We remain subject to examination of our federal income tax returns for the years ended December 31, 2022 through 2025. We generally remain subject to examination of our various state income tax returns for a period of four to five years from the respective dates that the returns were filed.

As of June 30, 2026, we had federal net operating loss carryforwards of approximately $304.9 million, state net operating loss carryforwards of approximately $309.1 million, and capital loss carryforwards of approximately $2.5 million which will be available to offset future income. In regard to the federal net operating loss carryforwards, $9.0 million will expire between 2030 and 2034 and are subject to an annual IRC Section 382 limitation which restricts their utilization against taxable income in future periods, while the remaining balance of approximately $294.0 million does not expire and carries forward indefinitely. Of our total state net operating loss carryforwards, approximately $192.5 million will expire between 2028 and 2045, while the remaining balance of approximately $116.6 million does not expire and carries forward indefinitely. The capital loss carryforwards will expire in 2030. In addition, we have federal business tax credits of approximately $1.6 million that can be carried forward indefinitely and we have state business tax credits of approximately $24.4 million that can be carried forward indefinitely.

As of June 30, 2026 and December 31, 2025, we had a liability of $12.4 million and $11.4 million, respectively, for unrecognized tax benefits related to various federal and state income tax matters excluding interest, penalties and related tax benefits. The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows:


	Six Months Ended June 30,
	2026		2025
	(In thousands)
Beginning balance	$	11,423	$	12,541

Increases related to positions taken during the current year	966		1,164


Ending balance	$	12,389	$	13,705

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	12,001	$	13,135

As of June 30, 2026 and 2025, we recognized accrued interest and penalties related to unrecognized tax benefits of approximately $1.4 million and $2.0 million, respectively.

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Fair Value of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2026

Fair Value Disclosures [Abstract]

Schedule of Assets not Carried at Fair Value


	June 30, 2026				December 31, 2025
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers, net of allowance	$	44,252	$	44,012	$	55,700	$	54,415

Financial Liabilities
Deposits	$	4,640,329	$	4,640,047	$	4,416,294	$	4,415,994

Revenues - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
Revenues - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Revenue from Contract with Customer [Abstract]
Contract liabilities, revenue recognized during the period	$ 0.5	$ 0.5	$ 2.1	$ 2.7

Earnings and Loss per Common Share - Schedule of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Numerator:
Net (loss) income	$ (2,087)	$ (47,025)	$ 51,666	$ (21,252)
Denominator:
Weighted-average Class A shares issued and outstanding (in shares)	56,765	55,127	56,257	54,746
Basic (loss) earnings per Class A common share (in USD per share)	$ (0.04)	$ (0.85)	$ 0.92	$ (0.39)
Numerator:
Net (loss) income allocated to Class A common stockholders	$ (2,087)	$ (47,025)	$ 51,666	$ (21,252)
Denominator:
Weighted-average Class A shares issued and outstanding (in shares)	56,765	55,127	56,257	54,746
Diluted weighted-average Class A shares issued and outstanding (in shares)	56,765	55,127	58,043	54,746
Diluted (loss) earnings per Class A common share (in USD per share)	$ (0.04)	$ (0.85)	$ 0.89	$ (0.39)
Service-based restricted stock units
Denominator:
Dilutive potential common shares (in shares)	0	0	1,678	0
Performance-based restricted stock units
Denominator:
Dilutive potential common shares (in shares)	0	0	108	0

Loans to Bank Customers - Schedule of Nonperforming Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Nonperforming Loans [Line Items]
Total loans	$ 1,465	$ 1,854
Residential
Nonperforming Loans [Line Items]
Total loans	11	19
Secured credit card
Nonperforming Loans [Line Items]
Total loans	$ 1,454	$ 1,835

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
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+ Details

Investment Securities - Narrative (Details) $ in Millions	3 Months Ended
Investment Securities - Narrative (Details) $ in Millions	Mar. 31, 2025 USD ($)
Investments, Debt and Equity Securities [Abstract]
Final settlement of the securities sold	$ 24.8

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Jun. 30, 2026
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Operating revenues:
Operating revenues	$ 574,393	$ 482,675	$ 1,203,398	$ 1,019,920
Interest income, net	21,490	21,501	48,732	43,130
Total operating revenues	595,883	504,176	1,252,130	1,063,050
Operating expenses:
Sales and marketing expenses	49,359	50,159	108,672	109,847
Compensation and benefits expenses	59,003	63,847	118,774	130,061
Processing expenses	394,692	293,213	769,286	578,530
Other general and administrative expenses	93,494	83,558	186,943	170,468
Restructuring and other charges	96	0	178	0
Total operating expenses	596,644	490,777	1,183,853	988,906
Operating (loss) income	(761)	13,399	68,277	74,144
Interest expense, net	1,581	1,631	3,157	3,017
Other (expense) income, net	(13)	(74,691)	164	(100,395)
(Loss) income before income taxes	(2,355)	(62,923)	65,284	(29,268)
Income tax (benefit) expense	(268)	(15,898)	13,618	(8,016)
Net (loss) income	$ (2,087)	$ (47,025)	$ 51,666	$ (21,252)
Basic (loss) earnings per common share (in USD per share)	$ (0.04)	$ (0.85)	$ 0.92	$ (0.39)
Diluted (loss) earnings per common share (in USD per share)	$ (0.04)	$ (0.85)	$ 0.89	$ (0.39)
Basic weighted-average common shares issued and outstanding (in shares)	56,765	55,127	56,257	54,746
Diluted weighted-average common shares issued and outstanding (in shares)	56,765	55,127	58,043	54,746
Card revenues and other fees
Operating revenues:
Operating revenues	$ 476,904	$ 381,224	$ 925,579	$ 757,177
Cash processing revenues
Operating revenues:
Operating revenues	53,303	54,484	189,674	167,857
Interchange revenues
Operating revenues:
Operating revenues	$ 44,186	$ 46,967	$ 88,145	$ 94,886

Loans to Bank Customers - Schedule of Credit Quality Indicators (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Non-Classified
Outstanding Loans [Line Items]
Total loans	$ 80,604	$ 73,985
Classified
Outstanding Loans [Line Items]
Total loans	1,653	2,768
Residential \| Non-Classified
Outstanding Loans [Line Items]
Total loans	7,508	7,714
Residential \| Classified
Outstanding Loans [Line Items]
Total loans	11	19
Commercial \| Non-Classified
Outstanding Loans [Line Items]
Total loans	2,678	22,688
Commercial \| Classified
Outstanding Loans [Line Items]
Total loans	0	0
Installment \| Non-Classified
Outstanding Loans [Line Items]
Total loans	3,790	4,902
Installment \| Classified
Outstanding Loans [Line Items]
Total loans	188	914
Consumer \| Non-Classified
Outstanding Loans [Line Items]
Total loans	59,318	29,901
Consumer \| Classified
Outstanding Loans [Line Items]
Total loans	0	0
Secured credit card \| Non-Classified
Outstanding Loans [Line Items]
Total loans	7,310	8,780
Secured credit card \| Classified
Outstanding Loans [Line Items]
Total loans	$ 1,454	$ 1,835

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Commitments and Contingencies (Details)	Oct. 17, 2025 USD ($) officer	Jun. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)	Dec. 18, 2019 officer
Commitments and Contingencies Disclosure [Abstract]
Number of former officers name as defendants \| officer	2			2
Amount awarded to other party	$ 40,000,000.0
Loss contingency accrual		$ 0	$ 0

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - USD ($) shares in Thousands, $ in Thousands	Total	Class A Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss
Beginning balance (in shares) at Dec. 31, 2024		54,227
Beginning balance at Dec. 31, 2024	$ 873,585	$ 55	$ 408,010	$ 743,602	$ (278,082)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued under stock plans, net of withholdings and related tax effects (in shares)		1,161
Common stock issued under stock plans, net of withholdings and related tax effects	0
Stock-based compensation	8,757		8,757
Net (loss) income	(21,252)			(21,252)
Other comprehensive income (loss)	59,792				59,792
Ending balance (in shares) at Jun. 30, 2025		55,388
Ending balance at Jun. 30, 2025	920,882	$ 55	416,767	722,350	(218,290)
Beginning balance (in shares) at Mar. 31, 2025		54,873
Beginning balance at Mar. 31, 2025	947,663	$ 55	408,602	769,375	(230,369)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued under stock plans, net of withholdings and related tax effects (in shares)		515
Common stock issued under stock plans, net of withholdings and related tax effects	2,429		2,429
Stock-based compensation	5,736		5,736
Net (loss) income	(47,025)			(47,025)
Other comprehensive income (loss)	12,079				12,079
Ending balance (in shares) at Jun. 30, 2025		55,388
Ending balance at Jun. 30, 2025	920,882	$ 55	416,767	722,350	(218,290)
Beginning balance (in shares) at Dec. 31, 2025		55,565
Beginning balance at Dec. 31, 2025	890,245	$ 56	427,477	644,736	(182,024)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued under stock plans, net of withholdings and related tax effects (in shares)		1,420
Common stock issued under stock plans, net of withholdings and related tax effects	(4,331)	$ 1	(4,332)
Stock-based compensation	7,826		7,826
Net (loss) income	51,666			51,666
Other comprehensive income (loss)	(6,005)				(6,005)
Ending balance (in shares) at Jun. 30, 2026		56,985
Ending balance at Jun. 30, 2026	939,401	$ 57	430,971	696,402	(188,029)
Beginning balance (in shares) at Mar. 31, 2026		56,661
Beginning balance at Mar. 31, 2026	940,500	$ 57	427,915	698,489	(185,961)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued under stock plans, net of withholdings and related tax effects (in shares)		324
Common stock issued under stock plans, net of withholdings and related tax effects	(276)		(276)
Stock-based compensation	3,332		3,332
Net (loss) income	(2,087)			(2,087)
Other comprehensive income (loss)	(2,068)				(2,068)
Ending balance (in shares) at Jun. 30, 2026		56,985
Ending balance at Jun. 30, 2026	$ 939,401	$ 57	$ 430,971	$ 696,402	$ (188,029)

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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-Paragraph 3
-Subparagraph (c)
-Publisher FASB
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-Name Accounting Standards Codification
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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+ Details

Loans to Bank Customers - Schedule of Loan Summary (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 82,257	$ 76,753
Total outstanding (as a percent)	100.00%	100.00%
Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 4,399	$ 4,753
Percentage of outstanding (as a percent)	5.40%	6.20%
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 2,476	$ 2,329
Percentage of outstanding (as a percent)	3.00%	3.00%
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 469	$ 589
Percentage of outstanding (as a percent)	0.60%	0.80%
90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 1,454	$ 1,835
Percentage of outstanding (as a percent)	1.80%	2.40%
Total Current or Less Than 30 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 77,858	$ 72,000
Total current or less than 30 days past due (as a percent)	94.60%	93.80%
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 7,519	$ 7,733
Residential \| Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Residential \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Residential \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Residential \| 90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Residential \| Total Current or Less Than 30 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	7,519	7,733
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	2,678	22,688
Commercial \| Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Commercial \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Commercial \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Commercial \| 90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Commercial \| Total Current or Less Than 30 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	2,678	22,688
Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	3,978	5,816
Installment \| Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	43
Installment \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	8
Installment \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	35
Installment \| 90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Installment \| Total Current or Less Than 30 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	3,978	5,773
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	59,318	29,901
Consumer \| Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	1,996	1,777
Consumer \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	1,996	1,777
Consumer \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Consumer \| 90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	0	0
Consumer \| Total Current or Less Than 30 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	57,322	28,124
Secured credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	8,764	10,615
Secured credit card \| Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	2,403	2,933
Secured credit card \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	480	544
Secured credit card \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	469	554
Secured credit card \| 90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	1,454	1,835
Secured credit card \| Total Current or Less Than 30 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding	$ 6,361	$ 7,682

Stock-Based Compensation - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employee stock-based compensation	$ 3.3	$ 5.7	$ 7.8	$ 8.8
2010 Equity Incentive Plan \| Minimum \| Performance-based restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Target share percentage for shares issued			0.00%
2010 Equity Incentive Plan \| Maximum \| Performance-based restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Target share percentage for shares issued			175.00%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)(i)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 2
-Subparagraph (f)(2)(iii)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)(iv)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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-Section 35
-Paragraph 1D
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480483/718-10-35-1D

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
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Reference 29: http://www.xbrl.org/2003/role/disclosureRef
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Reference 30: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Earnings and Loss per Common Share (Tables)

6 Months Ended

Jun. 30, 2026

Earnings Per Share [Abstract]

Schedule of Basic and Diluted Earnings Per Share

The calculation of basic and diluted earnings and loss per share ("EPS") was as follows:


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands, except per share data)
Basic earnings (loss) per Class A common share
Numerator:
Net (loss) income	$	(2,087)	$	(47,025)	$	51,666	$	(21,252)
Denominator:
Weighted-average Class A shares issued and outstanding	56,765		55,127		56,257		54,746
Basic (loss) earnings per Class A common share	$	(0.04)	$	(0.85)	$	0.92	$	(0.39)

Diluted earnings (loss) per Class A common share
Numerator:
Net (loss) income allocated to Class A common stockholders	$	(2,087)	$	(47,025)	$	51,666	$	(21,252)
Denominator:
Weighted-average Class A shares issued and outstanding	56,765		55,127		56,257		54,746
Dilutive potential common shares:

Service-based restricted stock units	—		—		1,678		—
Performance-based restricted stock units	—		—		108		—

Diluted weighted-average Class A shares issued and outstanding	56,765		55,127		58,043		54,746
Diluted (loss) earnings per Class A common share	$	(0.04)	$	(0.85)	$	0.89	$	(0.39)

Schedule of Antidilutive Shares

The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation:


	Three Months Ended June 30,		Six Months Ended June 30,
	2026	2025	2026	2025
	(In thousands)
Class A common stock

Service-based restricted stock units	—	320	—	470
Performance-based restricted stock units	461	658	461	658

Total	461	978	461	1,128

Equity Method Investments - Narrative (Details) $ in Thousands	1 Months Ended	3 Months Ended		6 Months Ended
	Apr. 30, 2025 USD ($)	Jun. 30, 2026 USD ($)	Jun. 30, 2025 USD ($)	Jun. 30, 2026 USD ($)	Jun. 30, 2025 USD ($)	Dec. 31, 2025 USD ($)	Jan. 02, 2020 USD ($)
Schedule of Equity Method Investments [Line Items]
Income (loss) in equity method investments				$ (3,097)	$ (78,702)
TailFin Labs
Schedule of Equity Method Investments [Line Items]
Equity method investment, percentage of interest of any net profits				0.20
Equity method investment, percentage of interest of any net losses				1
Equity method investments		$ 38,300		$ 38,300		$ 41,800
Income (loss) in equity method investments		(1,779)	$ (75,750)	(3,439)	$ (78,508)
Investment Held By Bank
Schedule of Equity Method Investments [Line Items]
Equity method investments		$ 3,400		$ 3,400		$ 3,000
Walmart Program Agreement
Schedule of Equity Method Investments [Line Items]
Renewal agreement term	1 year
Walmart Program Agreement \| TailFin Labs
Schedule of Equity Method Investments [Line Items]
Ownership percentage							20.00%
Capital contributions, authorized amount							$ 35,000
Non-refundable incentive payment	$ 70,000

Debt - Narrative (Details) - USD ($)		1 Months Ended	3 Months Ended		6 Months Ended		12 Months Ended
Debt - Narrative (Details) - USD ($)	Mar. 15, 2029	Feb. 28, 2025	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025	Dec. 31, 2025
Line of Credit Facility [Line Items]
Federal Home Loan Bank advances			$ 0		$ 0		$ 0
Line of Credit \| Revolving Credit Facility
Line of Credit Facility [Line Items]
Interest expense			1,400,000	$ 1,400,000	2,800,000	$ 2,700,000
Notes payable			$ 0		$ 0		0
Fixed Rate Senior Notes due 2029 \| Senior Notes
Line of Credit Facility [Line Items]
Aggregate principal amount							$ 65,000,000
Facility term							5 years
Interest rate			8.75%		8.75%		8.75%
Redemption price, percentage					100.00%
Fixed Rate Senior Notes due 2029 \| Senior Notes \| Forecast
Line of Credit Facility [Line Items]
Redemption price, percentage	100.00%
Variable Rate Senior Notes Due 2026 \| Senior Notes
Line of Credit Facility [Line Items]
Aggregate principal amount		$ 20,000,000
Variable market rates		6.00%

Stock-Based Compensation

6 Months Ended

Jun. 30, 2026

Share-Based Payment Arrangement [Abstract]

Stock-Based Compensation

We grant restricted stock unit awards to employees, directors and non-employee consultants under our 2010 Equity Incentive Plan and from time to time may also grant stock option awards. Through our 2010 Employee Stock Purchase Plan, employees are also able to purchase shares of our Class A common stock at a discount through payroll deductions. We have reserved shares of our Class A common stock for issuance under these plans. The total stock-based compensation expense recognized was $3.3 million and $5.7 million for the three months ended June 30, 2026 and 2025, respectively, and $7.8 million and $8.8 million for the six months ended June 30, 2026 and 2025, respectively.

Restricted Stock Units

Restricted stock unit activity for awards subject to only service conditions was as follows for the six months ended June 30, 2026:

Note 12—Stock-Based Compensation (continued)


	Shares	Weighted-Average Grant-Date Fair Value
	(In thousands, except per share data)
Outstanding at December 31, 2025	3,749	$	9.02
Restricted stock units granted	105	12.86
Restricted stock units vested	(1,785)	9.72
Restricted stock units canceled	(175)	8.50
Outstanding at June 30, 2026	1,894	$	8.62

Performance-Based Restricted Stock Units

Performance-based restricted stock unit activity for the six months ended June 30, 2026 was as follows:


	Shares	Weighted-Average Grant-Date Fair Value
	(In thousands, except per share data)
Outstanding at December 31, 2025	738	$	11.87
Performance restricted stock units granted	111	11.87

Performance restricted stock units canceled	(285)	16.96

Outstanding at June 30, 2026	564	$	9.30

We grant performance-based restricted stock units to certain employees that are subject to the attainment of pre-established internal performance conditions, market conditions, or a combination thereof (collectively referred to herein as "performance-based restricted stock units"). The actual number of shares subject to the award is determined at the end of the performance period and may range from 0% to 175% of the target shares granted depending upon the terms of the award. Compensation expense related to these awards is recognized using the accelerated attribution method over the vesting period based on the grant date fair value of the award.

Deposits - Schedule of Contractual Maturities (Details) $ in Thousands	Jun. 30, 2026 USD ($)
Deposits [Abstract]
Due in 2026	$ 1,954
Due in 2027	2,064
Due in 2028	982
Due in 2029	606
Due in 2030	299
Thereafter	262
Total time deposits	$ 6,167

Income Taxes - Schedule of Effective Tax Rate Reconciliation (Details)	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
Income Tax Disclosure [Abstract]
U.S. federal statutory tax rate	21.00%	21.00%
State income taxes, net of federal tax benefit	1.50%	5.70%
Foreign tax rate differential	0.00%	0.30%
General business credits	(2.20%)	1.60%
IRC 162(m) limitation	(0.40%)	2.30%
Stock-based compensation	(0.10%)	(4.90%)
Bank-owned life insurance income	(2.30%)	2.00%
Nondeductible expenses	0.30%	(0.30%)
Nondeductible transaction related costs	0.70%	0.00%
Change in valuation allowance	2.30%	0.00%
Global intangible low-tax income tax	0.00%	(0.20%)
Other	0.10%	(0.10%)
Effective tax rate	20.90%	27.40%

Equity Method Investments - Schedule of Statements of Operations (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended		6 Months Ended
	Apr. 30, 2025	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Schedule of Equity Method Investments [Line Items]
Interest income		$ (1,581)	$ (1,631)	$ (3,157)	$ (3,017)
Sales and marketing expenses		(49,359)	(50,159)	(108,672)	(109,847)
Compensation and professional services		(59,003)	(63,847)	(118,774)	(130,061)
Net (loss) income		(2,087)	(47,025)	51,666	(21,252)
Equity in losses attributable to TailFin				(3,097)	(78,702)
TailFin Labs
Schedule of Equity Method Investments [Line Items]
Interest income		336	779	689	2,049
Sales and marketing expenses		(1,218)	(3,969)	(2,339)	(6,198)
Compensation and professional services		(897)	(4,065)	(1,789)	(5,864)
Net (loss) income		(1,779)	(7,255)	(3,439)	(10,013)
Investor HLBV basis adjustment		0	(68,495)	0	(68,495)
Equity in losses attributable to TailFin		$ (1,779)	$ (75,750)	$ (3,439)	$ (78,508)
TailFin Labs \| Walmart Program Agreement
Schedule of Equity Method Investments [Line Items]
Non-refundable incentive payment	$ 70,000

Stock-Based Compensation (Tables)

6 Months Ended

Jun. 30, 2026

Share-Based Payment Arrangement [Abstract]

Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity

Restricted stock unit activity for awards subject to only service conditions was as follows for the six months ended June 30, 2026:

Note 12—Stock-Based Compensation (continued)


	Shares	Weighted-Average Grant-Date Fair Value
	(In thousands, except per share data)
Outstanding at December 31, 2025	3,749	$	9.02
Restricted stock units granted	105	12.86
Restricted stock units vested	(1,785)	9.72
Restricted stock units canceled	(175)	8.50
Outstanding at June 30, 2026	1,894	$	8.62

Performance-Based Restricted Stock Units

Performance-based restricted stock unit activity for the six months ended June 30, 2026 was as follows:


	Shares	Weighted-Average Grant-Date Fair Value
	(In thousands, except per share data)
Outstanding at December 31, 2025	738	$	11.87
Performance restricted stock units granted	111	11.87

Performance restricted stock units canceled	(285)	16.96

Outstanding at June 30, 2026	564	$	9.30

Deposits

6 Months Ended

Jun. 30, 2026

Deposits [Abstract]

Deposits

Deposits are categorized as non-interest bearing or interest-bearing deposit accounts as follows:


	June 30, 2026		December 31, 2025
	(In thousands)
Non-interest bearing deposit accounts	$	4,466,083	$	4,275,794
Interest-bearing deposit accounts
Checking accounts	159,237		124,888
Savings	6,143		6,585
Secured card deposits	2,699		3,008
Time deposits, denominations greater than or equal to $250	3,693		3,798
Time deposits, denominations less than $250	2,474		2,221
Total interest-bearing deposit accounts	174,246		140,500
Total deposits	$	4,640,329	$	4,416,294

Note 8—Deposits (continued)

The scheduled contractual maturities for total time deposits are presented in the table below:


	June 30, 2026
	(In thousands)
Due in 2026	$	1,954
Due in 2027	2,064
Due in 2028	982
Due in 2029	606
Due in 2030	299
Thereafter	262
Total time deposits	$	6,167

Investment Securities - Schedule of Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Fair value
Less than 12 months	$ 1,257,882	$ 826,487
12 months or more	1,241,029	1,228,953
Total fair value	2,498,911	2,055,440
Unrealized loss
Less than 12 months	(5,062)	(2,966)
12 months or more	(244,165)	(238,468)
Total unrealized loss	(249,227)	(241,434)
Agency bond securities
Fair value
Less than 12 months	0	0
12 months or more	156,075	156,975
Total fair value	156,075	156,975
Unrealized loss
Less than 12 months	0	0
12 months or more	(23,153)	(22,252)
Total unrealized loss	(23,153)	(22,252)
Agency mortgage-backed securities
Fair value
Less than 12 months	1,002,335	504,676
12 months or more	1,021,757	1,049,422
Total fair value	2,024,092	1,554,098
Unrealized loss
Less than 12 months	(4,158)	(1,764)
12 months or more	(215,386)	(210,635)
Total unrealized loss	(219,544)	(212,399)
Municipal bonds
Fair value
Less than 12 months	0	0
12 months or more	22,640	22,556
Total fair value	22,640	22,556
Unrealized loss
Less than 12 months	0	0
12 months or more	(5,486)	(5,581)
Total unrealized loss	(5,486)	(5,581)
Asset-backed securities
Fair value
Less than 12 months	255,547	321,811
12 months or more	40,557	0
Total fair value	296,104	321,811
Unrealized loss
Less than 12 months	(904)	(1,202)
12 months or more	(140)	0
Total unrealized loss	$ (1,044)	$ (1,202)

Organization	6 Months Ended
Organization	Jun. 30, 2026
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization	Organization Green Dot Corporation (“we,” “our,” or “us” refer to Green Dot Corporation and its consolidated subsidiaries) is a financial technology platform and registered bank holding company that builds banking and payment solutions to create value, retain and reward customers, and accelerate growth for businesses of all sizes. For more than two decades, we have delivered financial tools and services that address the most pressing financial needs of consumers and businesses, and that transform the way people and businesses manage and move money. Through Green Dot Bank, our wholly owned subsidiary, we deliver a broad spectrum of financial products to consumers and businesses through our portfolio of brands, including debit, checking, credit, prepaid, and payroll cards, as well as robust money processing services, such as tax refunds, cash deposits and disbursements. We were incorporated in Delaware in 1999 and became a bank holding company under the Bank Holding Company Act and Green Dot Bank became a member bank of the Federal Reserve System in December 2011. Proposed Transactions with CommerceOne Financial Corporation and Smith Ventures, LLC In connection with a strategic review process we commenced in March 2025 (our “strategic review process”), on November 23, 2025, we entered into an Agreement and Plan of Merger (the “Merger Agreement”), with CommerceOne Financial Corporation, an Alabama corporation (“CommerceOne”), Compass Sub North, Inc., a newly formed Delaware corporation and a direct, wholly owned subsidiary of CommerceOne (“New CommerceOne”), Compass Sub East, Inc., a newly formed Delaware corporation and a direct, wholly owned subsidiary of New CommerceOne (“Merger Sub One”), and Compass Sub West, Inc., a newly formed Delaware corporation and an indirect, wholly owned subsidiary of New CommerceOne (“Merger Sub Two”), pursuant to which, upon the terms and subject to the conditions therein, (i) Merger Sub One will merge with and into CommerceOne, with CommerceOne surviving (the “CommerceOne Merger”), and Merger Sub Two will merge with and into Green Dot Corporation, with Green Dot Corporation surviving (the “Green Dot Merger,” and together with the CommerceOne Merger, the “First Mergers”); and (ii) following the First Mergers, CommerceOne will merge with and into New CommerceOne, with New CommerceOne surviving under the name “CommerceOne Financial Corporation” (together with the First Mergers, the “Mergers”). Subject to the terms and conditions of the Merger Agreement, at the effective time of the First Mergers (the “First Effective Time”), each share of common stock of Green Dot Corporation, issued and outstanding immediately prior to the First Effective Time, other than certain excluded shares held by us, CommerceOne, New CommerceOne or our dissenting stockholders, will be converted into the right to receive (i) 0.2215 shares of the common stock of New CommerceOne and (ii) an amount in cash equal to $8.11 (the “Per Share Cash Consideration”), less any withholding and without interest. Also on November 23, 2025, we entered into a separation agreement (the “Separation Agreement”), with New CommerceOne and Green Dot OpCo, LLC, a newly formed Delaware limited liability company and affiliate of Smith Ventures LLC, an Alabama limited liability company (“Payments Buyer”), pursuant to which, upon the terms and subject to the conditions therein, following the First Mergers, (i) Green Dot Corporation will convert into a limited liability company, (ii) Green Dot Corporation will distribute the stock of Green Dot Bank to Compass Sub Northwest, Inc., a Delaware corporation and direct, wholly owned subsidiary of New CommerceOne, and (iii) Payments Buyer will acquire Green Dot Corporation and its non-bank financial technology and related assets and operations (the “Payments Business”) for $690 million (the “Payments Sale”), the proceeds of which will be paid to New CommerceOne and are expected to be used to fund the Per Share Cash Consideration and to retire certain indebtedness of Green Dot Corporation. All board and stockholder approvals under the Merger Agreement and the Separation Agreement have been obtained and the closing of the transactions contemplated thereby remains subject to the receipt of required regulatory approvals, and the satisfaction of other customary closing conditions. For additional information regarding potential risks and uncertainties associated with such transactions, please see Part II, Item 1A, Risk Factors below.

Leases (Tables)

6 Months Ended

Jun. 30, 2026

Leases [Abstract]

Schedule of Additional Lease Information

Additional information related to our right of use assets and related lease liabilities is as follows:


	June 30, 2026

Cash paid for operating lease liabilities (in thousands)	$	219
Weighted average remaining lease term (years)	5.94
Weighted average discount rate	5.4		%

Schedule of Maturities of Operating Lease Liabilities

Maturities of our operating lease liabilities as of June 30, 2026 are as follows:


	Operating Leases
	(In thousands)
Remainder of 2026	$	221
2027	412
2028	276
2029	271
2030	278
Thereafter	626
Total	2,084
Less: imputed interest	(312)
Total lease liabilities	$	1,772

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME AND LOSS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Statement of Comprehensive Income [Abstract]
Net (loss) income	$ (2,087)	$ (47,025)	$ 51,666	$ (21,252)
Other comprehensive (loss) income
Unrealized holding (losses) income, net of tax	(2,068)	11,867	(6,005)	41,188
Reclassification of losses realized in net income, net of tax	0	212	0	18,604
Comprehensive (loss) income	$ (4,155)	$ (34,946)	$ 45,661	$ 38,540

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

- Definition

Amount after tax of reclassification adjustments of other comprehensive income (loss).

+ References

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+ Details

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 38,005	$ 21,053
Common stock, par value (in USD per share)	$ 0.001	$ 0.001
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	56,985,000	55,565,000
Common stock, shares outstanding (in shares)	56,985,000	55,565,000

- Definition

Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.

+ References

+ Details

Debt

6 Months Ended

Jun. 30, 2026

Debt Disclosure [Abstract]

Debt

Senior Unsecured Notes

In 2024 and 2025, we issued and sold senior unsecured notes (the "Notes") in an aggregate principal amount of $65 million. The Notes have a five-year term, maturing September 15, 2029. The principal amounts bear interest at a fixed rate of 8.75% per annum, payable semi-annually in arrears.

Prior to March 15, 2029, we may redeem at our option, the Notes in whole or in part at any time at a redemption price equal to 100% of the outstanding principal amount to be redeemed, together with accrued but unpaid interest thereon, plus a make-whole amount. On and after March 15, 2029, we may redeem the Notes at 100% of the principal amount, plus accrued and unpaid interest thereon.

The Notes are unsecured, senior obligations and are not guaranteed by any of our subsidiaries. The Notes are junior in right of payment to existing and future secured indebtedness. As of June 30, 2026, we were in compliance with all affirmative and negative covenants thereunder. The net proceeds of the offering were used to repay outstanding indebtedness under a previous revolving credit facility, and for general corporate purposes.

The following table provides the outstanding long-term debt balance, at amortized cost:


	June 30, 2026		December 31, 2025
	(In thousands)
Senior unsecured notes	$	65,000	$	65,000
Less: Unamortized discount and issuance costs	(1,261)		(1,459)
Notes payable, net of unamortized discount and issuance costs	$	63,739	$	63,541

We incurred total cash interest expense on our debt of approximately $1.4 million during each of the three months ended June 30, 2026 and 2025, and $2.8 million and $2.7 million during the six months ended June 30, 2026 and 2025, respectively.

FHLB Advances

Green Dot Bank has the ability to access various sources of funding, including advances from the Federal Home Loan Bank ("FHLB") and the Federal Reserve's discount window. Availability of these borrowings is subject to various factors, including maintaining eligibility requirements and the amount of pledged collateral. These sources may be used from time to time to support our short-term liquidity needs and lines of business. There were no net borrowings outstanding with the FHLB as of June 30, 2026 or December 31, 2025. Interest expense incurred on FHLB borrowings in fiscal years 2026 or 2025 were not material.

2025 Revolving Facility

In February 2025, we entered into a new revolving line of credit agreement with a financial institution up to a maximum principal amount of $20 million, subject to borrowing base limitations defined under the terms of the agreement. The line of credit matures in August 2027 and will bear interest at variable market rates, but subject to a minimum rate of 6.0% per annum. Interest payments are due monthly, and accrue based on the then-outstanding principal balance. We had no outstanding balances as of June 30, 2026 and December 31, 2025.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

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-Publisher FASB
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
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Reference 29: http://www.xbrl.org/2003/role/disclosureRef
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Reference 30: http://www.xbrl.org/2003/role/disclosureRef
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Reference 31: http://www.xbrl.org/2003/role/disclosureRef
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Reference 32: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Equity Method Investments

6 Months Ended

Jun. 30, 2026

Equity Method Investments and Joint Ventures [Abstract]

Equity Method Investments

On January 2, 2020, we effectuated our agreement with Walmart to jointly establish a new fintech accelerator under the name TailFin Labs, LLC (“TailFin”), with a mission to develop innovative products, services and technologies that sit at the intersection of retail shopping and consumer financial services. The entity is majority-owned by Walmart and was formed with a focus on developing tech-enabled solutions to integrate omni-channel retail shopping and financial services. We hold a 20% ownership interest in the entity, in exchange for annual capital contributions of $35.0 million per year that were made from January 2020 through January 2024. Our final payment under this commitment was made in January 2024.

We account for our investment in TailFin under the equity method of accounting in accordance with ASC 323, Investments – Equity Method and Joint Ventures. Under the equity method of accounting, the initial investment is recorded at cost and the investment is subsequently adjusted for, among other things, its proportionate share of earnings or losses. However, given the capital structure of the TailFin arrangement, we apply the Hypothetical Liquidation Book Value ("HLBV") method to determine the allocation of profits and losses since our liquidation rights and priorities, as defined by the agreement, differ from our underlying ownership interest. The HLBV method calculates the proceeds that would be attributable to each partner in an investment based on the liquidation provisions of the agreement if the partnership was to be liquidated at book value as of the balance sheet date. Each partner’s allocation of income or loss in the period is equal to the change in the amount of net equity they are legally able to claim based on a hypothetical liquidation of the entity at the end of a reporting period compared to the beginning of that period, adjusted for any capital transactions. Based on the terms of the agreement and under the HLBV method, we are entitled to 20% of any net profits, but assume 100% of any net losses.

Since inception, TailFin has incurred operating expenses, but has not generated any operating revenues to date. Use of capital has been primarily allocated to marketing of Walmart's deposit account program and for employee salaries and other professional services focused on developing TailFin's project initiatives. While TailFin's overall objectives have remained unchanged, it is uncertain whether any new products or services will be successfully introduced through the venture. Any future economic benefits derived from products or services developed by TailFin will be negotiated on a case-by-case basis between the parties.

Note 7—Equity Method Investments (continued)

As of June 30, 2026 and December 31, 2025, our net investment in TailFin amounted to approximately $38.3 million and $41.8 million, respectively, and is included in the long-term portion of prepaid expenses and other assets on our consolidated balance sheets. Under the HLBV method and based on the terms of the agreement, we recorded equity in losses attributable to TailFin of approximately $1.8 million and $75.8 million for the three months ended June 30, 2026 and 2025, respectively, and $3.4 million and $78.5 million for the six months ended June 30, 2026 and 2025, respectively. These amounts are recorded as a component of other income and expense, net on our consolidated statements of operations.

In April 2025, we entered into an amendment which provides for us to continue serving as the issuing bank and program manager for the Walmart MoneyCard suite of reloadable debit card products, and entered into additional amendments pursuant to which we distribute our various products and services, including certain Green Dot-branded products and reload services through the Green Dot Network, at Walmart stores (collectively, the “Agreements”). The amended term of the Agreements expires on January 31, 2033, subject to an automatic one-year renewal provision under the terms of the arrangements. In consideration of the amended Agreements, we and the assignee of Walmart Inc. and its subsidiary parties, RNBW Ventures Inc. (“RNBW”), agreed to cause TailFin to pay RNBW a one-time, non-refundable incentive payment in the amount of $70 million, which we recorded as a component of equity in losses attributable to TailFin during the second quarter of 2025 under our HLBV method of accounting.

The following table presents summarized financial information of TailFin's statements of operations.


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Interest income	$	336	$	779	$	689	$	2,049
Sales and marketing expenses	(1,218)		(3,969)		(2,339)		(6,198)
Compensation and professional services	(897)		(4,065)		(1,789)		(5,864)

Net loss	(1,779)		(7,255)		(3,439)		(10,013)
Investor HLBV basis adjustment (1)	—		(68,495)		—		(68,495)
Equity in losses attributable to TailFin	$	(1,779)	$	(75,750)	$	(3,439)	$	(78,508)


(1)			The incentive payment of $70 million has been recorded as a deferred asset on TailFin’s balance sheet and will be amortized over the revised term of the Agreements through 2033. Under the HLBV method and based on the terms of the agreement, we expensed the amount upon payment.

Other equity method investments

Our equity method investments also include an investment held by our bank, which amounted to $3.4 million and $3.0 million, respectively, as of June 30, 2026 and December 31, 2025. Equity in earnings and losses from this investment for the three and six months ended June 30, 2026 and 2025 were not significant.

Investment Securities

6 Months Ended

Jun. 30, 2026

Investments, Debt and Equity Securities [Abstract]

Investment Securities

Our available-for-sale investment securities were as follows:


	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
	(In thousands)
June 30, 2026


Agency bond securities	$	179,228	$	—	$	(23,153)	$	156,075
Agency mortgage-backed securities	2,719,895		1,079		(219,544)		2,501,430
Municipal bonds	28,126		—		(5,486)		22,640
Asset-backed securities	354,145		95		(1,044)		353,196
Total investment securities	$	3,281,394	$	1,174	$	(249,227)	$	3,033,341

December 31, 2025



Agency bond securities	$	179,227	$	—	$	(22,252)	$	156,975
Agency mortgage-backed securities	2,145,925		1,392		(212,399)		1,934,918
Municipal bonds	28,137		—		(5,581)		22,556
Asset-backed securities	354,510		86		(1,202)		353,394
Total investment securities	$	2,707,799	$	1,478	$	(241,434)	$	2,467,843

As of June 30, 2026 and December 31, 2025, the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows:


	Less than 12 months				12 months or more				Total fair value		Total unrealized loss
	Fair value		Unrealized loss		Fair value		Unrealized loss
	(In thousands)
June 30, 2026

Agency bond securities	$	—	$	—	$	156,075	$	(23,153)	$	156,075	$	(23,153)
Agency mortgage-backed securities	1,002,335		(4,158)		1,021,757		(215,386)		2,024,092		(219,544)
Municipal bonds	—		—		22,640		(5,486)		22,640		(5,486)
Asset-backed securities	255,547		(904)		40,557		(140)		296,104		(1,044)
Total investment securities	$	1,257,882	$	(5,062)	$	1,241,029	$	(244,165)	$	2,498,911	$	(249,227)

December 31, 2025


Agency bond securities	$	—	$	—	$	156,975	$	(22,252)	$	156,975	$	(22,252)
Agency mortgage-backed securities	504,676		(1,764)		1,049,422		(210,635)		1,554,098		(212,399)
Municipal bonds	—		—		22,556		(5,581)		22,556		(5,581)
Asset-backed securities	321,811		(1,202)		—		—		321,811		(1,202)
Total investment securities	$	826,487	$	(2,966)	$	1,228,953	$	(238,468)	$	2,055,440	$	(241,434)

Our investments generally consist of highly rated securities, substantially all of which are directly or indirectly backed by the U.S. federal government, as our investment policy restricts our investments to highly liquid, low credit risk assets. As such, we have not recorded any credit-related impairment loss during the three and six months ended June 30, 2026 or 2025 on our available-for-sale investment securities. Unrealized losses as of June 30, 2026 and December 31, 2025 are the result of increases in interest rates relative to when they were purchased as a portion of our investment portfolio is comprised of fixed rate securities. The underlying securities within our investment portfolio that were in an unrealized loss position as of June 30, 2026 and December 31, 2025 was due to the timing of our investment purchases, as a significant portion of our investments were purchased prior to increases in interest rates by the Board of Governors of the Federal Reserve (the "Federal Reserve"), and general volatility in market conditions.

Except as disclosed below, we do not currently intend to sell our remaining investments, and we have determined that it is more likely than not that we will not be required to sell our investments before recovery of their amortized cost bases, which may be at maturity.

Note 4—Investment Securities (continued)

In April 2025, we sold certain available-for-sale securities in order to reposition the proceeds into higher yielding assets. As a result, we recorded a realized loss of approximately $24.8 million during the first half of 2025 because we no longer had the intent to hold the securities until recovery of their amortized cost bases. The losses were reflected as a component of other income and expense, net on our consolidated statement of operations.

As of June 30, 2026, the contractual maturities of our available-for-sale investment securities were as follows:


	Amortized cost		Fair value
	(In thousands)

Due after one year through five years	$	139,228	$	124,296
Due after five years through ten years	40,000		31,779
Due after ten years	28,126		22,640
Mortgage and asset-backed securities	3,074,040		2,854,626
Total investment securities	$	3,281,394	$	3,033,341

The expected payments on mortgage-backed and asset-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations. See Note 2 — Summary of Significant Accounting Policies.

Leases - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
Leases - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Lessee, Lease, Description [Line Items]
Operating lease expense	$ 0.2	$ 0.9	$ 0.4	$ 1.8
Minimum
Lessee, Lease, Description [Line Items]
Remaining lease term	1 year		1 year
Maximum
Lessee, Lease, Description [Line Items]
Remaining lease term	7 years		7 years

Stock-Based Compensation - Schedule of Restricted Stock and Performance Stock Units (Details) shares in Thousands	6 Months Ended
	Jun. 30, 2026 $ / shares shares
Restricted Stock Units (RSUs)
Shares
Outstanding, beginning balance (in shares) \| shares	3,749
Granted (in shares) \| shares	105
Vested (in shares) \| shares	(1,785)
Canceled (in shares) \| shares	(175)
Outstanding, ending balance (in shares) \| shares	1,894
Weighted-Average Grant-Date Fair Value
Outstanding, beginning balance (in USD per share) \| $ / shares	$ 9.02
Granted (in USD per share) \| $ / shares	12.86
Vested (in USD per share) \| $ / shares	9.72
Canceled (in USD per share) \| $ / shares	8.50
Outstanding, ending balance (in USD per share) \| $ / shares	$ 8.62
Performance-based restricted stock units
Shares
Outstanding, beginning balance (in shares) \| shares	738
Granted (in shares) \| shares	111
Canceled (in shares) \| shares	(285)
Outstanding, ending balance (in shares) \| shares	564
Weighted-Average Grant-Date Fair Value
Outstanding, beginning balance (in USD per share) \| $ / shares	$ 11.87
Granted (in USD per share) \| $ / shares	11.87
Canceled (in USD per share) \| $ / shares	16.96
Outstanding, ending balance (in USD per share) \| $ / shares	$ 9.30