What is Pathward Financial, Inc.'s earnings per share (EPS)?

Pathward Financial, Inc. (CASH) reported diluted earnings per share of $7.87 for fiscal year 2025. This represents a 9.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Pathward Financial, Inc. (CASH) Financials

CASH

Trailing 12 months to June 30, 2026

Revenue $825.8M -0.8% YoY

Net Income $175.8M -2.6% YoY

EPS (Diluted) $7.98 +6.1% YoY

Free Cash Flow $683.6M +146.5% YoY

Market Cap $1.5B as of Oct 2, 2026

Price / Sales 1.9x on $825.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.7x on $175.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.8x on $850.9M equity, Q3 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE September

Newest figures come from the 10-Q for Q3 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CASH SEC filings page.

Pathward Financial, Inc. (CASH) reported $825.8M in revenue over the twelve months to Jun 30, 2026, down 0.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CASH FY2025 2026-09-05

Cash conversion and a shrinking share base are the dominant mechanics, while reported debt remains modest relative to equity.

FY2025 operating cash flow of $450.6M was 2.4x net income of $185.9M; both cash measures declined from FY2024 even as earnings increased, so conversion is strong but not perfectly synchronized with reported profit.

Balance-sheet efficiency improved: assets contracted from $7.5B in FY2024 to $7.2B in FY2025 while return on assets rose from 2.4% to 2.6%. The business generated slightly more earnings from a smaller asset base rather than relying on balance-sheet expansion.

Per-share growth outpaced earnings growth: diluted EPS rose from 7.20 to 7.87 even though net income was nearly flat. Shares outstanding fell from 24.1M to 22.3M, making the sharper per-share improvement partly a function of the smaller share base.

Financial Health Signals

Financial Health Score 55/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Pathward Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Pathward Financial, Inc. earned a return on assets of 2.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 2.4% the prior year. Earnings ranks banks on that return over three years, and Pathward Financial, Inc. scores 94/100 among other banks.

Growth

Pathward Financial, Inc. reported revenue of $839.9M in fiscal year 2025, against $797.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Pathward Financial, Inc. scores 48/100 among other banks.

Capital

Pathward Financial, Inc. funded 12.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $858.0M of equity against $7.2B of assets. Capital ranks banks on that cushion, and Pathward Financial, Inc. scores 58/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Pathward Financial, Inc. scores 45/100 on it among other banks.

Credit Quality

Not available for Pathward Financial, Inc., and counted as zero in the overall score.

Stability

Pathward Financial, Inc. reported net income of $185.9M in fiscal year 2025, against $183.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Pathward Financial, Inc. scores 84/100 among other banks.

Piotroski F-Score Partial

6/7

Pathward Financial, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.42x

For every $1 of reported earnings, Pathward Financial, Inc. generates $2.42 in operating cash flow ($450.6M OCF vs $185.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$189.6M

YoY-3.1%

QoQ-31.4%

5Y CAGR+7.7%

10Y CAGR+15.8%

Pathward Financial, Inc. generated $189.6M in revenue in Q3 2026. This represents a decrease of 3.1% from the same quarter a year earlier. Against the prior quarter it is down 31.4%.

Net Income

$29.0M

YoY-31.3%

QoQ-60.3%

5Y CAGR-5.6%

10Y CAGR+12.6%

Pathward Financial, Inc. reported $29.0M in net income in Q3 2026. This represents a decrease of 31.3% from the same quarter a year earlier. Against the prior quarter it is down 60.3%.

EPS (Diluted)

$1.37

YoY-24.3%

QoQ-59.1%

5Y CAGR+2.5%

10Y CAGR+14.6%

Pathward Financial, Inc. earned $1.37 per diluted share (EPS) in Q3 2026. This represents a decrease of 24.3% from the same quarter a year earlier. Against the prior quarter it is down 59.1%.

EBITDA

Not reported for Q3 2026.

Cash & Balance Sheet

Free Cash Flow

$48.6M

YoY+75.4%

QoQ-78.9%

5Y CAGR-4.0%

10Y CAGR+23.1%

Pathward Financial, Inc. generated $48.6M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 75.4% from the same quarter a year earlier. Against the prior quarter it is down 78.9%.

Cash & Debt

$149.4M

YoY-42.2%

QoQ-5.2%

5Y CAGR-27.0%

10Y CAGR+15.0%

Pathward Financial, Inc. held $149.4M in cash against $33.5M in long-term debt as of Q3 2026.

Dividends Per Share

$0.05

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR+2.3%

Pathward Financial, Inc. paid $0.05 per share in dividends in Q3 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

21M

YoY-8.8%

QoQ-1.6%

Pathward Financial, Inc. had 21M shares outstanding in Q3 2026. This represents a decrease of 8.8% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.

Margins & Returns

Net Margin

15.3%

YoY-6.3pp

QoQ-11.1pp

5Y change-14.3pp

10Y change-5.0pp

Pathward Financial, Inc.'s net profit margin was 15.3% in Q3 2026, showing the share of revenue converted to profit. This is down 6.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 11.1 percentage points.

Return on Equity

3.4%

YoY-1.7pp

QoQ-5.2pp

5Y change-1.0pp

10Y change+0.7pp

Pathward Financial, Inc.'s ROE was 3.4% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is down 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.2 percentage points.

Gross Margin

Not reported for Q3 2026.

Operating Margin

Not reported for Q3 2026.

Capital Allocation

Capital Expenditures

$3.4M

YoY+26.5%

QoQ+46.5%

5Y CAGR-8.2%

10Y CAGR+6.1%

Pathward Financial, Inc. invested $3.4M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 26.5% from the same quarter a year earlier. Against the prior quarter it is up 46.5%.

R&D Spending

Not reported for Q3 2026.

Share Buybacks

Not reported for Q3 2026.

CASH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CASH quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K/A	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$825.8M	$839.9M+5.3%	$797.4M+9.6%	$727.7M+17.7%	$618.4M+12.5%	$549.9M+10.2%	$498.8M+2.5%	$486.8M+54.5%	$315.1M+18.7%	$265.4M+49.0%	$178.1M+51.7%	$117.4M+19.8%	$98.0M+7.1%	$91.5M-11.4%	$103.3M+12.5%	$91.8M
SG&A Expenses	N/A	$0	$0	$0-100.0%	$171.1M+13.3%	$151.1M+10.9%	$136.2M-12.6%	$155.8M+42.9%	$109.0M+22.9%	$88.7M+43.9%	$61.7M+32.7%	$46.5M+21.9%	$38.2M+11.9%	$34.1M+9.7%	$31.1M+2.1%	$30.5M
Interest Expense	$10.2M	$11.6M-45.4%	$21.2M+95.3%	$10.9M+123.2%	$4.9M-29.0%	$6.9M-79.7%	$33.8M-45.1%	$61.5M+119.8%	$28.0M+88.2%	$14.9M+263.6%	$4.1M+71.4%	$2.4M-0.5%	$2.4M-18.8%	$3.0M-17.1%	$3.6M-24.9%	$4.7M
Income Tax	N/A	$36.3M+6.3%	$34.1M+255.8%	$9.6M-63.4%	$26.2M+144.8%	$10.7M+89.0%	$5.7M+267.8%	-$3.4M-165.9%	$5.1M-50.0%	$10.2M+82.7%	$5.6M+309.5%	$1.4M-52.9%	$2.9M-21.5%	$3.7M-61.7%	$9.7M+167.2%	$3.6M
Net Income	$175.8M	$185.9M+1.4%	$183.2M+27.9%	$143.3M-5.2%	$151.1M+6.7%	$141.7M+35.3%	$104.7M+8.0%	$97.0M+87.9%	$51.6M+14.9%	$44.9M+35.2%	$33.2M+84.0%	$18.1M+14.9%	$15.7M+17.1%	$13.4M-21.6%	$17.1M+268.8%	$4.6M
EPS (Basic)	N/A	$7.91+9.7%	$7.21+37.1%	$5.26+3.3%	$5.09+16.2%	$4.38+49.0%	$2.94+18.1%	$2.49+48.2%	$1.68+3.7%	$1.62+23.7%	$1.31-51.1%	$2.68+4.3%	$2.57+7.1%	$2.40-51.4%	$4.94+231.5%	$1.49
EPS (Diluted)	$7.98	$7.87+9.3%	$7.20+37.4%	$5.24+2.9%	$5.09+16.2%	$4.38+49.0%	$2.94+18.1%	$2.49+49.1%	$1.67	$1.61+23.8%	$1.30	$2.66+5.1%	$2.53+6.3%	$2.38	$4.92+230.2%	$1.49
Diluted Shares (Avg)	N/A	24M-6.7%	25M-6.4%	27M-7.9%	29M-7.9%	32M-8.8%	35M-8.3%	38M+23.1%	31M	28M+229.1%	8M	7M+9.6%	6M+9.8%	6M	3M+11.7%	3M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$189.6M-3.1%	$276.3M+0.5%	$173.1M-5.2%	$186.7M+4.0%	$195.8M+3.8%	$274.8M+6.7%	$182.6M+6.4%	$179.5M+5.5%
SG&A Expenses	$0	$0	$0	N/A	$0-100.0%	$0-100.0%	$0-100.0%	$52.3M+12.8%
Interest Expense	$1.1M-12.4%	$5.8M+0.5%	$1.9M-39.3%	$1.5M-61.1%	$1.3M-58.5%	$5.7M-32.3%	$3.1M-47.0%	$3.8M-18.7%
Income Tax	$3.1M-36.1%	$14.2M-12.3%	$7.2M+19.8%	N/A	$4.8M-21.4%	$16.2M-4.5%	$6.0M-22.0%	$3.4M+170.2%
Net Income	$29.0M-31.3%	$72.9M-2.7%	$35.2M+17.3%	$38.8M+15.7%	$42.1M-6.1%	$75.0M+7.2%	$30.0M-14.1%	$33.5M+32.7%
EPS (Basic)	$1.37-25.1%	$3.37+6.6%	$1.57+27.6%	$1.69+26.1%	$1.83+2.8%	$3.16+15.3%	$1.23-8.2%	$1.34+39.6%
EPS (Diluted)	$1.37-24.3%	$3.35+6.7%	$1.57+27.6%	$1.69+26.1%	$1.81+1.7%	$3.14+14.6%	$1.23-8.2%	$1.34+39.6%
Diluted Shares (Avg)	21M-8.5%	22M-8.6%	22M-7.8%	N/A	23M-7.4%	24M-6.1%	24M-5.9%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CASH Balance Sheet

CASH quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K/A	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$7.2B-4.8%	$7.5B+0.4%	$7.5B+11.4%	$6.7B+0.7%	$6.7B+9.8%	$6.1B-1.5%	$6.2B+6.0%	$5.8B+11.6%	$5.2B+30.5%	$4.0B+58.4%	$2.5B+23.2%	$2.1B+21.4%	$1.7B+2.5%	$1.7B+29.4%	$1.3B
Cash & Equivalents	$120.6M-23.9%	$158.3M-57.8%	$375.6M-3.2%	$388.0M+23.6%	$314.0M-26.5%	$427.4M+237.7%	$126.5M+26.6%	$100.0M-92.1%	$1.3B+63.8%	$773.8M+2697.9%	$27.7M-7.3%	$29.8M-25.5%	$40.1M-72.4%	$145.1M-47.6%	$276.9M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$6.3M+18.7%	$5.3M+35.6%	$3.9M+6.2%	$3.7M-35.7%	$5.8M-24.9%	$7.7M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$297.9M-3.7%	$309.5M0.0%	$309.5M0.0%	$309.5M0.0%	$309.5M0.0%	$309.5M0.0%	$309.5M+2.1%	$303.3M+207.2%	$98.7M+167.3%	$36.9M0.0%	$36.9M0.0%	$36.9M	$0	N/A	N/A
Total Liabilities	$6.3B-5.9%	$6.7B-2.5%	$6.9B+12.8%	$6.1B+4.9%	$5.8B+10.9%	$5.2B-1.8%	$5.3B+4.9%	$5.1B+6.1%	$4.8B+30.6%	$3.7B+62.6%	$2.3B+20.2%	$1.9B+21.3%	$1.5B+3.1%	$1.5B+25.8%	$1.2B
Long-Term Debt	$33.5M+0.3%	$33.4M-1.5%	$33.9M-6.0%	$36.0M-61.2%	$92.8M-5.5%	$98.2M-54.5%	$215.8M+142.6%	$89.0M+4.0%	$85.5M-7.5%	$92.5M+375.3%	$19.5M	N/A	N/A	N/A	N/A
Total Equity	$858.0M+4.3%	$822.5M+32.8%	$619.4M-2.2%	$633.2M-27.3%	$870.7M+3.2%	$843.7M+0.5%	$839.9M+12.9%	$744.2M+71.3%	$434.5M+29.7%	$335.0M+23.5%	$271.3M+55.2%	$174.8M+22.3%	$143.0M-2.0%	$145.9M+81.0%	$80.6M
Retained Earnings	$359.8M+6.8%	$337.1M+36.8%	$246.4M+5.5%	$233.5M-9.9%	$259.2M+10.3%	$234.9M-7.1%	$252.8M+18.7%	$213.0M+27.4%	$167.2M+31.4%	$127.2M+29.3%	$98.4M+17.4%	$83.8M+17.6%	$71.3M+17.3%	$60.8M+33.6%	$45.5M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$7.3B+1.2%	$7.1B+1.7%	$7.6B-0.6%	$7.2B-4.8%	$7.2B-3.8%	$7.0B-5.7%	$7.6B-3.8%	$7.5B+0.4%
Cash & Equivalents	$149.4M-42.2%	$157.6M-38.0%	$331.2M-44.6%	$120.6M-23.9%	$258.3M-13.6%	$254.2M-26.9%	$597.4M-11.1%	$158.3M-57.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$297.9M0.0%	$297.9M0.0%	$297.9M0.0%	$297.9M-3.7%	$297.9M-3.7%	$297.9M-3.7%	$297.9M-3.7%	$309.5M0.0%
Total Liabilities	$6.5B+0.8%	$6.3B+1.3%	$6.7B-2.0%	$6.3B-5.9%	$6.4B-5.2%	$6.2B-7.7%	$6.8B-4.9%	$6.7B-2.5%
Long-Term Debt	$33.5M+0.3%	$33.5M+0.3%	$33.5M+0.3%	$33.5M+0.3%	$33.4M+0.3%	$33.4M+0.1%	$33.4M-0.7%	$33.4M-1.5%
Total Equity	$850.9M+3.9%	$851.5M+4.5%	$854.5M+12.7%	$858.0M+4.3%	$819.0M+9.4%	$814.7M+13.2%	$758.3M+7.6%	$822.5M+32.8%
Retained Earnings	$339.3M+0.6%	$340.7M-0.3%	$346.5M+10.6%	$359.8M+6.8%	$337.3M+3.5%	$341.8M+14.9%	$313.4M+16.8%	$337.1M+36.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

CASH Cash Flow Statement

CASH quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K/A	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$696.9M	$450.6M-7.8%	$488.8M+49.1%	$327.9M+13.1%	$290.0M-50.1%	$581.6M+24.5%	$467.2M+144.6%	$191.0M+38.7%	$137.8M+14.8%	$120.0M+52.9%	$78.5M+59.5%	$49.2M+90.7%	$25.8M+211.9%	-$23.1M-128.8%	$80.0M+266.0%	$21.9M
Depreciation & Amortization	N/A	$59.7M+3.4%	$57.8M-11.1%	$65.0M+5.4%	$61.6M+4.3%	$59.0M-2.8%	$60.7M+10.1%	$55.1M+46.2%	$37.7M-16.3%	$45.0M+26.5%	$35.6M+23.3%	$28.9M+59.2%	$18.1M-14.0%	$21.1M+3.7%	$20.3M+108.5%	$9.8M
Stock-Based Compensation	N/A	$9.5M-7.6%	$10.3M-7.1%	$11.1M+10.7%	$10.0M+46.0%	$6.9M-33.0%	$10.2M-21.0%	$12.9M+16.4%	$11.1M+7.0%	$10.4M+2038.5%	$486K+88.4%	$258K	N/A	N/A	N/A	N/A
Capital Expenditures	$13.3M	$11.7M+15.2%	$10.1M+17.6%	$8.6M+5.5%	$8.2M-36.9%	$13.0M+5.7%	$12.3M-12.2%	$14.0M+63.6%	$8.5M+25.7%	$6.8M-2.6%	$7.0M+38.7%	$5.0M+116.0%	$2.3M-55.7%	$5.3M+27.5%	$4.1M+125.3%	$1.8M
Free Cash Flow	$683.6M	$438.9M-8.3%	$478.7M+49.9%	$319.3M+13.3%	$281.9M-50.4%	$568.7M+25.0%	$455.0M+157.0%	$177.0M+37.0%	$129.2M+14.2%	$113.2M+58.3%	$71.5M+61.9%	$44.2M+88.1%	$23.5M+182.9%	-$28.3M-137.3%	$75.9M+278.8%	$20.0M
Investing Cash Flow	-$628.9M	$25.8M+109.8%	-$262.9M+72.2%	-$945.6M-184.7%	-$332.1M+70.3%	-$1.1B-442.1%	-$206.3M+39.2%	-$339.2M+13.0%	-$389.8M+44.4%	-$700.4M+5.2%	-$738.5M-62.7%	-$453.9M-23.4%	-$367.8M-85.1%	-$198.7M+61.4%	-$514.3M-704.4%	-$63.9M
Financing Cash Flow	-$173.7M	-$513.0M-15.8%	-$443.2M-173.3%	$604.9M+413.4%	$117.8M-72.1%	$422.9M+956.8%	$40.0M-77.1%	$174.9M+119.1%	-$915.6M-185.2%	$1.1B-23.6%	$1.4B+249.3%	$402.5M+21.3%	$331.8M+184.2%	$116.7M-61.4%	$302.5M+30.7%	$231.5M
Dividends Paid	$4.4M	$4.7M-7.5%	$5.1M-6.6%	$5.4M-8.4%	$5.9M-7.5%	$6.4M-9.9%	$7.1M-8.5%	$7.8M+35.3%	$5.7M+18.5%	$4.8M+10.3%	$4.4M+25.7%	$3.5M+9.7%	$3.2M+8.8%	$2.9M+59.7%	$1.8M+13.0%	$1.6M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$52.0M+71.1%	$232.9M+23.7%	$108.3M+251.0%	$303.7M+112.2%	$30.4M-73.2%	$188.3M-7.2%	-$71.7M-342.9%	$143.1M+18.6%
Depreciation & Amortization	$10.8M-28.4%	$12.7M-17.5%	$13.4M-10.2%	$14.3M+2.6%	$15.1M+5.0%	$15.4M+4.4%	$14.9M+1.6%	$13.9M-9.8%
Stock-Based Compensation	N/A	N/A	$2.9M+77.5%	N/A	N/A	N/A	$1.6M+30.6%	N/A
Capital Expenditures	$3.4M+26.5%	$2.3M-35.6%	$4.2M+103.0%	$3.3M-23.4%	$2.7M+21.9%	$3.6M+109.8%	$2.1M+10.7%	$4.4M+19.4%
Free Cash Flow	$48.6M+75.4%	$230.6M+24.8%	$104.1M+241.0%	$300.3M+116.4%	$27.7M-75.1%	$184.7M-8.2%	-$73.8M-367.0%	$138.8M+18.6%
Investing Cash Flow	-$270.1M+4.3%	$141.2M-34.3%	-$300.4M-202.6%	-$199.6M-127.6%	-$282.4M-59.3%	$215.1M+308.0%	$292.8M+677.3%	-$87.7M+71.3%
Financing Cash Flow	$211.6M-16.7%	-$546.6M+26.8%	$401.9M+82.6%	-$240.6M-22.5%	$254.0M+1549.9%	-$746.5M-29.0%	$220.1M-30.5%	-$196.4M-524.6%
Dividends Paid	$1.1M-7.9%	$1.1M-8.2%	$1.1M-7.7%	$1.1M-8.0%	$1.1M-8.6%	$1.2M-6.1%	$1.2M-7.5%	$1.2M-5.2%

Not reported in any period shown, so not listed: Share Buybacks.

CASH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CASH quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K/A	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	22.1%-0.9pp	23.0%+3.3pp	19.7%-4.8pp	24.4%-1.3pp	25.8%+4.8pp	21.0%+1.1pp	19.9%+3.6pp	16.4%-0.5pp	16.9%-1.7pp	18.7%+3.3pp	15.4%-0.7pp	16.0%+1.4pp	14.7%-1.9pp	16.6%+11.5pp	5.1%
Return on Equity	21.7%-0.6pp	22.3%-0.9pp	23.1%-0.7pp	23.9%+7.6pp	16.3%+3.9pp	12.4%+0.9pp	11.6%+4.6pp	6.9%-3.4pp	10.3%+0.4pp	9.9%+3.3pp	6.7%-2.3pp	9.0%-0.4pp	9.4%-2.4pp	11.7%+6.0pp	5.8%
Return on Assets	2.6%+0.2pp	2.4%+0.5pp	1.9%-0.3pp	2.2%+0.1pp	2.1%+0.4pp	1.7%+0.2pp	1.6%+0.7pp	0.9%0.0pp	0.9%0.0pp	0.8%+0.1pp	0.7%0.0pp	0.8%0.0pp	0.8%-0.2pp	1.0%+0.7pp	0.4%
Debt-to-Equity	0.040.0x	0.040.0x	0.050.0x	0.060.0x	0.110.0x	0.12-0.1x	0.26+0.1x	0.12-0.1x	0.20-0.1x	0.28+0.2x	0.07-10.7x	10.75-0.1x	10.83+0.5x	10.30-4.5x	14.83
Asset Turnover	0.120.0x	0.110.0x	0.100.0x	0.090.0x	0.080.0x	0.080.0x	0.080.0x	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.07
FCF Margin	52.3%-7.8pp	60.0%+16.1pp	43.9%-1.7pp	45.6%	103.4%	91.2%+54.8pp	36.4%-4.6pp	41.0%-1.6pp	42.6%+2.5pp	40.2%+2.5pp	37.6%+13.7pp	24.0%+54.9pp	-30.9%-104.4pp	73.4%+51.6pp	21.8%

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Net Margin	15.3%-6.3pp	26.4%-0.9pp	20.3%+3.9pp	20.8%+2.1pp	21.5%-2.3pp	27.3%+0.1pp	16.4%-3.9pp	18.7%+3.8pp
Return on Equity	3.4%-1.7pp	8.6%-0.6pp	4.1%+0.2pp	4.5%+0.4pp	5.1%-0.9pp	9.2%-0.5pp	4.0%-1.0pp	4.1%0.0pp
Return on Assets	0.4%-0.2pp	1.0%0.0pp	0.5%+0.1pp	0.5%+0.1pp	0.6%0.0pp	1.1%+0.1pp	0.4%-0.1pp	0.4%+0.1pp
Debt-to-Equity	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x
Asset Turnover	0.030.0x	0.040.0x	0.020.0x	0.030.0x	0.030.0x	0.040.0x	0.020.0x	0.020.0x
FCF Margin	25.6%+11.5pp	83.5%+16.2pp	60.1%+100.5pp	160.8%	14.1%-44.7pp	67.2%-10.9pp	-40.4%-56.5pp	77.3%+8.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Pathward Financial, Inc. CASH	FY2025	$839.9M	$185.9M	22.1%	$1.5B	55/100
Lakeland Financial Corp LKFN	FY2025	$269.0M	$103.4M	38.4%	$1.4B	59/100
Northwest Bancshares, Inc NWBI	FY2025	$654.7M	$126.0M	19.3%	$2.2B	48/100
First Commonwealth Financial Corporation FCF	FY2025	$522.9M	$152.3M	29.1%	$2.0B	63/100
City Holding Co CHCO	FY2025	$314.2M	$130.5M	41.5%	$2.0B	59/100
Live Oak Bancshares, Inc. LOB	FY2025	$577.8M	$105.9M	18.3%	$1.7B	37/100

Where Pathward Financial, Inc. Ranks

Frequently Asked Questions

What is Pathward Financial, Inc.'s annual revenue?

Pathward Financial, Inc. (CASH) reported $839.9M in total revenue for fiscal year 2025. This represents a 5.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Pathward Financial, Inc.'s revenue growing?

Pathward Financial, Inc. (CASH) revenue grew by 5.3% year-over-year, from $797.4M to $839.9M in fiscal year 2025.

Is Pathward Financial, Inc. profitable?

Yes, Pathward Financial, Inc. (CASH) reported a net income of $185.9M in fiscal year 2025, with a net profit margin of 22.1%.

How much debt does Pathward Financial, Inc. have?

As of fiscal year 2025, Pathward Financial, Inc. (CASH) had $120.6M in cash and equivalents against $33.5M in long-term debt.

What is Pathward Financial, Inc.'s net profit margin?

Pathward Financial, Inc. (CASH) had a net profit margin of 22.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Pathward Financial, Inc. pay dividends?

Yes, Pathward Financial, Inc. (CASH) paid $0.20 per share in dividends during fiscal year 2025.

What is Pathward Financial, Inc.'s return on equity (ROE)?

Pathward Financial, Inc. (CASH) has a return on equity of 21.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Pathward Financial, Inc.'s free cash flow?

Pathward Financial, Inc. (CASH) generated $438.9M in free cash flow during fiscal year 2025. This represents a -8.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Pathward Financial, Inc.'s operating cash flow?

Pathward Financial, Inc. (CASH) generated $450.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Pathward Financial, Inc.'s total assets?

Pathward Financial, Inc. (CASH) had $7.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Pathward Financial, Inc.'s capital expenditures?

Pathward Financial, Inc. (CASH) invested $11.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Pathward Financial, Inc. have outstanding?

Pathward Financial, Inc. (CASH) had 22M shares outstanding as of fiscal year 2025.

What is Pathward Financial, Inc.'s debt-to-equity ratio?

Pathward Financial, Inc. (CASH) had a debt-to-equity ratio of 0.04 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Pathward Financial, Inc.'s return on assets (ROA)?

Pathward Financial, Inc. (CASH) had a return on assets of 2.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Pathward Financial, Inc.'s P/E ratio?

Pathward Financial, Inc. (CASH) trades at 8.7x earnings, its market capitalization divided by net income of $175.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.5B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Pathward Financial, Inc.'s price-to-sales ratio?

Pathward Financial, Inc. (CASH) trades at 1.9x sales, its market capitalization divided by revenue of $825.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.5B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Pathward Financial, Inc.'s Piotroski F-Score?

Pathward Financial, Inc. (CASH) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Pathward Financial, Inc.'s earnings high quality?

Pathward Financial, Inc. (CASH) has an earnings quality ratio of 2.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Pathward Financial, Inc.?

Pathward Financial, Inc. (CASH) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.