Pathward Financial Inc (CASH)

Name: Pathward Financial Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$175M

Net Income

$35.1M

Operating Margin

24.4%

Free Cash Flow

$237M

Debt / Assets

88.0%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Pathward Financial Inc (CASH).
Income Statement (Quarterly)	2025-12-31	2025-03-31	2024-12-31	2024-09-30
Revenue	174,985,000	269,951,000	126,757,000	137,695,000
Cost of Revenue	5,114,000	269,951,000	15,138,000	4,666,000
Gross Profit	169,871,000	0	111,619,000	133,029,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	64,444,000	0	49,292,000	52,298,000
Operating Expenses	127,213,000	0	73,699,000	95,804,000
Operating Income	42,658,000	91,800,000	37,920,000	37,224,000
Interest Expense	1,884,000	0	3,106,000	3,828,000
Income Before Tax	42,658,000	90,440,000	37,920,000	37,225,000
Income Tax Expense	7,193,000	15,937,000	6,294,000	3,053,000
Net Income	35,117,000	74,005,000	31,427,000	33,597,000
Per Share
EPS	1.57	3.13	1.29	-5.35
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Pathward Financial Inc (CASH).
Income Statement (Annual)	2025-09-30	2024-09-30	2023-09-30	2022-09-30	2021-09-30
Revenue	685,230,000	668,902,000	588,250,000	501,281,000	508,269,000
Cost of Revenue	68,372,000	79,334,000	68,228,000	0	0
Gross Profit	616,858,000	589,568,000	316,599,000	501,281,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	200,495,000	201,472,000	184,318,000	171,126,000	151,090,000
Operating Expenses	393,805,000	370,948,000	-139,105,000	-312,059,000	0
Operating Income	223,053,000	218,620,000	182,131,000	189,222,000	0
Interest Expense	11,598,000	21,233,000	10,874,000	4,872,000	6,863,000
Income Before Tax	223,053,000	218,620,000	182,131,000	187,318,000	156,446,000
Income Tax Expense	36,266,000	34,108,000	16,324,000	27,964,000	10,701,000
Net Income	185,872,000	183,219,000	163,615,000	159,354,000	141,708,000
Per Share
EPS	7.91	7.21	6.01	5.02	4.38
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Pathward Financial Inc (CASH).
Balance Sheet (Quarterly)	2025-09-30	2024-09-30	2023-09-30	2022-09-30
Assets
Cash and Cash Equivalents	120,568,000	158,337,000	375,580,000	388,038,000
Short Term Investments	973,010,000	1,741,221,000	1,804,228,000	1,882,869,000
Net Receivables	187,756,000	183,559,000	206,674,000	228,671,000
Inventory	0	0	-398,862,000	0
Total Current Assets	1,281,334,000	2,083,117,000	2,386,482,000	2,499,578,000
Property Plant Equipment	200,078,000	244,394,000	250,910,000	246,081,000
Goodwill and Intangibles	310,430,000	326,094,000	330,225,000	335,196,000
Total Assets	7,172,344,000	7,549,336,000	7,535,543,000	6,747,440,000
Liabilities
Account Payables	0	0	0	0
Short Term Debt	9,000,000	377,000,000	13,000,000	0
Total Current Liabilities	5,895,947,000	6,252,085,000	13,000,000	0
Long Term Debt	33,456,000	33,354,000	33,873,000	36,028,000
Total Liabilities	6,314,890,000	6,709,731,000	6,884,918,000	6,102,270,000
Shareholders Equity
Retained Earnings	359,830,000	354,474,000	278,655,000	245,394,000
Total Shareholders Equity	858,045,000	839,882,000	651,630,000	645,170,000

Balance sheet annual history for Pathward Financial Inc (CASH).
Balance Sheet (Annual)	2025-09-30	2024-09-30	2023-09-30	2022-09-30	2021-09-30
Assets
Cash and Cash Equivalents	120,568,000	158,337,000	375,580,000	388,038,000	314,019,000
Short Term Investments	973,010,000	1,741,221,000	1,804,228,000	1,882,869,000	847,870,000
Net Receivables	187,756,000	183,559,000	206,674,000	228,671,000	16,254,000
Inventory	0	0	-398,862,000	0	0
Total Current Assets	1,281,334,000	2,083,117,000	2,386,482,000	2,499,578,000	4,168,425,000
Property Plant Equipment	200,078,000	244,394,000	250,910,000	246,081,000	258,004,000
Goodwill and Intangibles	310,430,000	326,094,000	330,225,000	335,196,000	342,653,000
Total Assets	7,172,344,000	7,549,336,000	7,535,543,000	6,747,440,000	6,690,650,000
Liabilities
Account Payables	0	0	0	0	579,000
Short Term Debt	9,000,000	377,000,000	13,000,000	0	0
Total Current Liabilities	5,895,947,000	6,252,085,000	13,000,000	0	0
Long Term Debt	33,456,000	33,354,000	33,873,000	36,028,000	92,834,000
Total Liabilities	6,314,890,000	6,709,731,000	6,884,918,000	6,102,270,000	5,818,766,000
Shareholders Equity
Retained Earnings	359,830,000	354,474,000	278,655,000	245,394,000	259,189,000
Total Shareholders Equity	858,045,000	839,882,000	651,630,000	645,170,000	870,729,000

Cash flow quarterly history for Pathward Financial Inc (CASH).
Cash Flow Statement (Quarterly)	2025-09-30	2024-09-30	2023-09-30	2022-09-30
Operating Activities
Net Income	186,787,000	168,357,000	163,615,000	159,354,000
Depreciation & Amortization	59,725,000	57,765,000	19,245,000	61,601,000
Stock Based Compensation	9,507,000	10,286,000	11,070,000	10,004,000
Change in Working Capital	-119,584,000	171,609,000	-5,303,000	-34,916,000
Operating Cash Flow	450,619,000	453,537,000	303,111,000	268,809,000
Investing Activities
Capital Expenditure	-214,025,000	-276,754,000	-449,906,000	-438,868,000
Investments	-214,025,000	-276,754,000	-449,906,000	-438,868,000
Investing Cash Flow	25,843,000	-227,661,000	-920,758,000	-310,872,000
Financing Activities
Debt Repayment	-368,000,000	364,000,000	-120,436,000	-75,075,000
Common Stock Issued/Repurchased	-163,047,000	-86,850,000	-120,436,000	-168,234,000
Dividends Paid	-4,686,000	-5,067,000	-5,426,000	-5,921,000
Financing Cash Flow	-513,026,000	-443,200,000	604,858,000	117,818,000
Summary
Free Cash Flow	236,594,000	176,783,000	-146,795,000	-170,059,000
Net Change in Cash	-37,769,000	-217,243,000	-12,458,000	74,019,000

Cash flow annual history for Pathward Financial Inc (CASH).
Cash Flow Statement (Annual)	2025-09-30	2024-09-30	2023-09-30	2022-09-30	2021-09-30
Operating Activities
Net Income	186,787,000	168,357,000	163,615,000	159,354,000	141,708,000
Depreciation & Amortization	59,725,000	57,765,000	19,245,000	61,601,000	59,047,000
Stock Based Compensation	9,507,000	10,286,000	11,070,000	10,004,000	6,852,000
Change in Working Capital	-119,584,000	171,609,000	-5,303,000	-34,916,000	42,685,000
Operating Cash Flow	450,619,000	453,537,000	303,111,000	268,809,000	581,645,000
Investing Activities
Capital Expenditure	-214,025,000	-276,754,000	-449,906,000	-438,868,000	-64,028,000
Investments	-214,025,000	-276,754,000	-449,906,000	-438,868,000	-64,028,000
Investing Cash Flow	25,843,000	-227,661,000	-920,758,000	-310,872,000	-1,118,402,000
Financing Activities
Debt Repayment	-368,000,000	364,000,000	-120,436,000	-75,075,000	-32,000
Common Stock Issued/Repurchased	-163,047,000	-86,850,000	-120,436,000	-168,234,000	-99,878,000
Dividends Paid	-4,686,000	-5,067,000	-5,426,000	-5,921,000	-6,400,000
Financing Cash Flow	-513,026,000	-443,200,000	604,858,000	117,818,000	422,933,000
Summary
Free Cash Flow	236,594,000	176,783,000	-146,795,000	-170,059,000	517,617,000
Net Change in Cash	-37,769,000	-217,243,000	-12,458,000	74,019,000	-113,348,000