PATHWARD FINANCIAL, INC.
PATHWARD FINANCIAL, INC.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Common Class A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Nonvoting Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Scenario Previously Reported | - | - | - | - | - | 597 | 158 | - | - | - | 376 | - | |||||
Restatement Adjustment | - | - | - | - | - | 0 | 0 | - | - | - | 0 | - | |||||
Cash And Cash Equivalents At Carrying Value | 158 | 331 | 121 | 258 | 254 | 597 | 158 | 299 | 348 | 672 | 376 | 515 | |||||
Debt Securities Available For Sale Excluding Accru… | 1,271 | 1,310 | 1,328 | 1,367 | 1,412 | 1,480 | 1,741 | 1,725 | 1,779 | 1,851 | 1,804 | 1,914 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 28 | 29 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 35 | 37 | 38 | |||||
Federal Home Loan Bank Stock And Federal Reserve B… | 25 | 24 | 25 | 29 | 24 | 24 | 36 | 24 | 26 | 24 | 28 | 31 | |||||
Loans Receivable Held For Sale Amount | 53 | 88 | 179 | 50 | 46 | 73 | 692 | 29 | 26 | 70 | 78 | 87 | |||||
Assets | |||||||||||||||||
Assets | 7,112 | 7,560 | 7,172 | 7,230 | 6,995 | 7,603 | 7,532 | 7,513 | 7,417 | 7,903 | 7,503 | 7,459 | |||||
Financing Receivable Excluding Accrued Interest Be… | 4,867 | 4,983 | 4,665 | 4,743 | 4,465 | 4,563 | 4,075 | 4,613 | 4,409 | 4,426 | 4,370 | 4,073 | |||||
Financing Receivable Allowance For Credit Loss Exc… | -98 | -59 | -53 | -106 | -103 | -74 | -72 | -80 | -81 | -54 | -97 | -82 | |||||
Interest Receivable | 36 | 36 | 39 | 40 | 37 | 35 | 31 | 32 | 30 | 27 | 23 | 22 | |||||
Property Plant And Equipment Net | 42 | 42 | 41 | 40 | 40 | 38 | 39 | 37 | 37 | 38 | 39 | 39 | |||||
Intangible Assets Net Including Goodwill | 309 | 310 | 310 | 311 | 312 | 313 | 326 | 327 | 328 | 329 | 330 | 331 | |||||
Other Assets | 275 | 311 | 330 | 285 | 275 | 315 | 266 | 280 | 283 | 281 | 304 | 266 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Short Term Borrowings | 26 | 0 | 9 | 115 | 0 | 0 | 377 | 0 | 31 | 0 | 13 | 230 | |||||
Deposits | 5,852 | 6,350 | 5,887 | 6,005 | 5,819 | 6,519 | 5,875 | 6,432 | 6,368 | 6,936 | 6,589 | 6,307 | |||||
Long Term Debt | 34 | 33 | 33 | 33 | 33 | 33 | 33 | 33 | 33 | 34 | 34 | 34 | |||||
Accrued Liabilities Current And Noncurrent | 351 | 323 | 385 | 258 | 328 | 294 | 424 | 300 | 265 | 228 | 249 | 210 | |||||
Liabilities | 6,262 | 6,706 | 6,315 | 6,412 | 6,181 | 6,846 | 6,710 | 6,765 | 6,698 | 7,198 | 6,885 | 6,781 | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 655 | 651 | 648 | 646 | 644 | 640 | 639 | 636 | 634 | 630 | 629 | 626 | |||||
Retained Earnings Accumulated Deficit | 341 | 347 | 360 | 337 | 342 | 313 | 337 | 343 | 318 | 293 | 246 | 267 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -141 | -135 | -145 | -160 | -166 | -191 | -153 | -208 | -207 | -188 | -255 | -208 | |||||
Treasury Stock Common Value | -4 | -8 | -5 | -5 | -5 | -5 | -0 | -6 | -6 | -5 | -0 | -7 | |||||
Minority Interest | -1 | -1 | -1 | -1 | -1 | -1 | -0 | -1 | -0 | -1 | -1 | -1 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 851 | 854 | 858 | 819 | 815 | 758 | 822 | 766 | 719 | 704 | 619 | 678 | |||||
Liabilities And Stockholders Equity | 7,112 | 7,560 | 7,172 | 7,230 | 6,995 | 7,603 | 7,532 | 7,530 | 7,437 | 7,927 | 7,503 | 7,459 | |||||
Held To Maturity Securities Fair Value | 24 | 25 | 26 | 26 | 26 | 27 | 30 | 30 | 31 | 32 | 31 | 34 | |||||
Preferred Stock Shares Authorized | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | - | - | - | - | - | - | - | - | - | - | 3 | - | |||||
Common Stock Shares Issued | - | - | - | - | - | - | - | - | - | - | 0 | - | |||||
Shares Outstanding | - | - | - | - | - | - | - | - | - | - | 0 | - | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -1.71% | -4.71% | -4.63% | -6.07% | -0.38% | -1.82% | - | - | - | - | - | - |
| 2025 | -4.94% | -10.75% | -3.10% | -3.65% | -10.97% | -5.95% | -3.20% | -7.96% | -0.35% | 5.57% | 5.33% | 29.43% |
| 2024 | -0.20% | 0.56% | 3.86% | -1.02% | 5.13% | 27.65% | 11.94% | 6.13% | 11.44% | -11.76% | -6.82% | -3.81% |
| 2023 | - | - | - | 12.03% | 6.98% | 22.97% | -2.77% | -10.60% | -11.77% | 5.74% | 3.26% | 3.80% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.55 | -0.55 | -0.57 | -0.55 | -0.55 | -0.46 | -0.33 | 1.64 | 16.95 | 20.79 | 28.90 | 26.77 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 8.72 | 8.55 | 7.91 | 14.35 | 14.07 | 13.57 | 13.27 | 11.83 | 11.70 | 10.91 | 10.21 | 5.69 | |||||
| Free Cash Flow Per Share TTM | 35.80 | 32.62 | 18.45 | 6.92 | 10.25 | 10.70 | 19.02 | 19.06 | 14.55 | 11.89 | 11.90 | 6.19 | |||||
| Dividend Per Share TTM | 0.32 | 0.31 | 0.30 | 0.21 | 0.21 | 0.20 | 0.20 | 0.21 | 0.21 | 0.21 | 0.20 | 0.21 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 77.41% | 76.38% | 73.63% | 62.28% | 59.75% | 54.37% | 50.88% | 63.71% | 64.87% | 72.05% | 78.32% | 94.45% | |||||
| Operating Profit Margin TTM | 489.48% | 522.57% | 507.17% | 473.31% | 482.43% | 499.83% | 508.25% | 431.40% | 433.12% | 397.35% | 386.07% | 143.45% | |||||
| Net Profit Margin TTM | 411.12% | 435.67% | 423.08% | 399.53% | 406.14% | 418.95% | 425.23% | 379.07% | 384.20% | 359.44% | 349.70% | 126.10% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | -44.09% | -44.14% | -44.08% | 6.63% | 6.86% | 0.38% | 0.07% | -34.72% | -58.34% | -67.36% | -74.82% | -49.11% | |||||
| Net Income Growth (1Y) | -43.40% | -41.91% | -44.37% | 12.39% | 12.96% | 17.00% | 21.69% | 96.26% | 130.01% | 128.03% | 75.75% | 1.16% | |||||
| EPS Growth (1Y) | -38.05% | -36.95% | -40.15% | 21.86% | 20.71% | 24.52% | 29.73% | 107.28% | 146.35% | 147.92% | 91.43% | 10.84% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 10.18 | 8.27 | 9.29 | 5.47 | 5.14 | 5.39 | 4.95 | 4.75 | 4.28 | 4.81 | 4.46 | 8.04 | |||||
| P/B TTM | 2.27 | 1.85 | 2.02 | 2.22 | 2.11 | 2.34 | 2.01 | 1.88 | 1.76 | 1.92 | 1.98 | 1.79 | |||||
| P/S TTM | 41.85 | 36.02 | 39.30 | 21.85 | 20.89 | 22.58 | 21.03 | 18.02 | 16.46 | 17.29 | 15.61 | 10.14 | |||||
| Market Cap | 1.93B | 1.58B | 1.73B | 1.82B | 1.72B | 1.78B | 1.65B | 1.40B | 1.27B | 1.35B | 1.23B | 1.21B | |||||
| Enterprise Value | 1.83B | 1.28B | 1.65B | 1.71B | 1.50B | 1.21B | 1.91B | 1.14B | 984.89M | 716.67M | 898.08M | 959.28M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 773.65M | 727.76M | 431.78M | 159.29M | 242.58M | 259.11M | 478.66M | 475.52M | 367.81M | 306.55M | 319.29M | 163.15M | |||||
| Net Debt | -98.09M | -297.74M | -78.11M | -109.91M | -220.84M | -564.02M | 252.02M | -265.60M | -283.52M | -638.02M | -328.71M | -251.09M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
PATHWARD FINANCIAL, INC. (CASH) — SEC Financial Statements & Analysis
PATHWARD FINANCIAL, INC. (CASH) is a national commercial banks company, incorporated in DE. PATHWARD FINANCIAL, INC. trades on Nasdaq as: CASH. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), PATHWARD FINANCIAL, INC. reported a -44.09% year-over-year revenue growth, a Gross Profit Margin of 77.41% (TTM), a Price-to-Sales (P/S) ratio of 41.85x (TTM), a Price-to-Book (P/B) ratio of 2.27 (TTM), at a market cap of $1.93B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- -44.09%
- Gross Profit Margin TTM
- 77.41%
- P/S TTM
- 41.85x
- P/B TTM
- 2.27
- Market Cap
- $1.93B
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is PATHWARD FINANCIAL, INC. in?
PATHWARD FINANCIAL, INC. (CASH) operates in the National Commercial Banks industry.
What is CASH's market cap?
PATHWARD FINANCIAL, INC. (CASH) has a market capitalization of $1.93B as of 2026-03-31.
What is CASH's P/E ratio?
PATHWARD FINANCIAL, INC. (CASH)'s trailing twelve month P/E ratio is 10.18x as of 2026-03-31.
What exchange does CASH trade on?
PATHWARD FINANCIAL, INC. (CASH) trades on the Nasdaq.
Where is PATHWARD FINANCIAL, INC. incorporated?
PATHWARD FINANCIAL, INC. is incorporated in DE.