Pathward Financial, Inc.

Pathward Financial, Inc.

76.26
USD
-0.38
(-0.50%)
8.02EPS
10.85P/E
1.83BMarket Cap
Jan 27Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
4.5
4.99
5.83
8.15
8.95
11.64
12.43
16.02
17.74
22.38
25.73
28.79
- -
- -
Basic EPS, GAAP
0.86
0.89
1.32
1.62
1.68
2.49
2.94
4.47
5.17
5.34
7.28
7.94
- -
- -
Free Cash Flow per Basic Share
1.28
2.19
2.83
4.08
3.66
0.84
11.26
16.31
-5.09
-4.55
8.42
10.11
- -
- -
Dividend per Share
0.17
0.17
0.17
0.17
0.19
0.2
0.2
0.2
0.2
0.2
0.2
0.2
- -
0.15
Book Value per Share
9.44
11.08
13.1
15.05
19
22.22
24.55
27.49
22.41
23.65
33.1
37.68
- -
- -
Tangible Book Value per Share
9.3
8.2
10.52
9.82
9.45
12.63
14.33
16.67
10.77
11.04
19.98
24.05
- -
- -
Basic Weighted Avg Shares
18
20
25
28
31
39
36
32
29
27
25
23
21
21
Sales/Revenue/Turnover
83
101
147
226
275
452
443
508
519
601
648
674
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
18
29
36
45
38
55
61
59
62
65
58
60
- -
- -
Net Income, GAAP
16
18
33
45
52
97
105
142
151
143
183
186
- -
- -
Effective Tax Rate (%)
15.61
7.04
14.43
18.55
8.91
- -
4.92
6.84
14.53
6.18
15.6
16.26
- -
- -
Profit Margin (%)
19.04
17.9
22.57
19.86
18.76
21.44
23.63
27.88
29.15
23.85
28.29
27.59
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
17
19
92
86
89
216
98
93
36
34
33
33
- -
- -
Total Equity
175
271
335
434
748
844
847
872
645
618
822
857
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.92
3.53
2.83
2.61
3.2
- -
7.56
14.41
18
20.96
19.17
17.35
- -
- -
Return on Common Equity (%)
9.89
8.09
10.96
11.67
8.76
12.25
12.44
16.53
19.94
22.66
25.41
22.12
- -
- -

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
26
168
- -
LT Borrowings
34
34
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
21
21
21
Market Capitalization
1,903
1,830
1,476

Working Capital

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,094
1,057
- -
Accounts Receivable, Net
36
37
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
26
168
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
- -
Sales/Revenue/Turnover
- -
- -
- -
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
137
213
152
134
648
2025
133
230
157
154
674
2026
143
232
156
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.35
2.77
1.8
1.36
7.28
2025
1.24
3.17
1.83
1.71
7.94
2026
1.58
3.37
1.38
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.05
0.05
0.05
0.2
2025
0.05
0.05
0.05
0.05
0.2
2026
0.05
0.05
0.05
- -
- -

Company Description

CEO
Brett L. Pharr
Full Time Employees
1,224
Sector
Finance
Industry
Major banks
Address
5501 South Broadband Lane Sioux Falls SD United States 57108
IPO Date
Sep 20, 1993
Business
Pathward Financial, Inc. (Nasdaq: CASH) operates as the bank holding company for Pathward, National Association, a federally chartered financial institution that provides banking-as-a-service infrastructure, payment solutions and commercial finance products to individuals, businesses and third-party partners across the United States; headquartered in Sioux Falls, South Dakota, the company was founded in 1955 as Storm Lake Savings and Loan Association and rebranded from Meta Financial Group, Inc. in July 2022. Pathward offers deposit products including demand deposit accounts, savings accounts and money market accounts; consumer lending solutions encompassing installment loans, revolving credit and personal loans through fintech partnerships; payment solutions such as prepaid and debit card issuing, merchant services, digital payments, ATM processing and acceptance of credit and debit card payments; tax services featuring short-term refund advance loans and electronic return originator advances; and commercial finance products comprising term lending, asset-based lending, factoring, lease financing, insurance premium financing, government-guaranteed lending and warehouse financing, targeting industries including manufacturing, staffing, renewable energy, logistics, oil and gas services, IT/tech, construction and distribution. The company conducts operations nationwide through business lines including Consumer, Commercial and Corporate Services/Other, with key subsidiaries and units such as Refund Advantage in Louisville, Kentucky, for tax refund software; EPS in Easton, Pennsylvania; SCS in Hurst, Texas; and Insurance Premium Finance in Dallas, Texas, and Newport Beach, California. Recent developments include the launch of Solutions for Financial Institutions in 2024, expanding beyond prepaid cards to encompass commercial finance and merchant services for community banks and credit unions; a new partnership with Upstart announced in November 2025 to offer personal loans via Upstart's AI lending marketplace; and an extension of its lending partnership with Oportun through 2029 to support unsecured and secured personal loans for underserved populations. Pathward maintains a focus on financial inclusion, powering programs for third-party partners in banking, payments and credit while delivering customized financing to businesses seeking working capital and growth opportunities.

Company News

  • SABINE ROYALTY TRUST ANNOUNCES MONTHLY CASH DISTRIBUTION FOR NOVEMBER 2026

  • SERVICE CORPORATION INTERNATIONAL DECLARES QUARTERLY CASH DIVIDEND

  • Lost Money on Pathward Financial, Inc. Stock? Glancy Prongay Wolke & Rotter LLP Continues Investigating Possible Securities Fraud After 6.25% Share Price Drop

  • AGNICO EAGLE REPORTS THIRD QUARTER 2026 RESULTS - STRONG FREE CASH FLOW GENERATION DRIVEN BY SOLID OPERATIONAL PERFORMANCE; ON TRACK TO ACHIEVE 2026 PRODUCTION AND COST GUIDANCE

  • FLAGSTAR BANK, N.A. DECLARES QUARTERLY CASH DIVIDENDS ON ITS COMMON STOCK AND PREFERRED STOCKS

  • POTOMAC BANCSHARES DECLARES QUARTERLY CASH DIVIDEND

  • PLUMAS BANCORP DECLARES QUARTERLY CASH DIVIDEND

  • Pathward: 3 Key Takeaways for Long-Term Investors

  • Pathward Financial (CASH) Surpasses Q4 Earnings and Revenue Estimates

  • Here's What Key Metrics Tell Us About Pathward (CASH) Q4 Earnings

  • What Pathward Financial (CASH) Said on Its Q4 Earnings Call

  • Pathward Financial, Inc. (CASH) Q4 2026 Earnings Call Transcript

  • Pathward Financial, Inc. Announces Results for Fourth Quarter and Fiscal Year 2026

  • BERETTA HOLDING S.A. ANNOUNCES FINAL RESULTS OF CASH TENDER OFFER FOR SHARES OF STURM, RUGER & COMPANY, INC.

  • AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE THIRD QUARTER AND FIRST NINE MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

  • PERMIAN BASIN ROYALTY TRUST ANNOUNCES OCTOBER CASH DISTRIBUTION AND EXCESS COST POSITION ON WADDELL RANCH PROPERTIES

  • CROSS TIMBERS ROYALTY TRUST DECLARES OCTOBER CASH DISTRIBUTION

  • BERETTA HOLDING S.A. ANNOUNCES PRELIMINARY RESULTS OF CASH TENDER OFFER FOR SHARES OF STURM, RUGER & COMPANY, INC.

  • Pathward and Clair Extend Partnership to Expand Access to Earned Wage Advances

  • Pathward Financial, Inc. to Announce Fourth Quarter and Fiscal Year 2026 Earnings and Host Conference Call on October 21, 2026