Pathward Financial, Inc.

Pathward Financial, Inc.

CASH
Pathward Financial, Inc.US flagNASDAQ Global Select
84.17
USD
+1.26
- -
1.78BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.53
4.5
4.99
5.83
8.15
8.95
11.64
12.43
16.02
17.74
22.38
25.73
28.79
30.59
Basic EPS, GAAP
0.8
0.86
0.89
1.32
1.62
1.68
2.49
2.94
4.47
5.17
5.34
7.28
7.94
8.43
Free Cash Flow per Basic Share
-1.69
1.28
2.19
2.83
4.08
3.66
0.84
11.26
16.31
-5.09
-4.55
8.42
10.11
20.57
Dividend per Share
0.17
0.17
0.17
0.17
0.17
0.19
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
Book Value per Share
4.25
4.57
4.87
5.04
6.04
6.94
6.51
6.6
8.18
8.41
9.19
13.4
15.39
15.21
Tangible Book Value per Share
8.39
9.39
9.94
10.67
10.22
12.16
12.39
13.92
16.68
10.6
10.74
19.71
23.38
24.18
Basic Weighted Avg Shares
17
18
20
25
28
31
39
36
32
29
27
25
23
22
Sales/Revenue/Turnover
76
83
101
147
226
275
452
443
508
519
601
648
674
685
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
21
18
29
36
45
38
55
61
59
62
65
58
60
56
Net Income, GAAP
13
16
18
33
45
52
97
105
142
151
143
183
186
189
Effective Tax Rate (%)
21.63
15.61
7.04
14.43
18.55
8.91
- -
4.92
6.84
14.53
6.18
15.6
16.26
15.73
Profit Margin (%)
17.67
19.04
17.9
22.57
19.86
18.76
21.44
23.63
27.88
29.15
23.85
28.29
27.59
27.58
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
17
17
19
92
86
89
216
98
93
36
34
33
33
34
Total Equity
143
175
271
335
434
748
844
847
872
645
618
822
857
851
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
20.31
20.25
19.81
29.44
30.48
27.1
41.58
42.88
57.28
59.83
58.2
62.75
53.31
55.35

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'26
Mar'26
ST Debt
9
- -
26
LT Borrowings
33
33
34
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
23
22
21
Market Capitalization
1,732
1,627
2,000

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,094
1,293
1,094
Accounts Receivable, Net
39
36
36
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
9
- -
26
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
14.85%
2%
4.29%
Free Cash Flow
79.91%
-76.01%
11.57%
Net Income, GAAP
29.61%
13.22%
1.45%
Sales/Revenue/Turnover
22.8%
8.87%
4.01%
Total Cash Common Dividend
4.14%
-7.97%
-7.52%

Quarterly Revenue

FRC

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
- -
- -
- -

Quarterly Earnings Per Share

FRC

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
- -
- -
- -

Quarterly Dividends Per Share

FRC

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
- -
- -
- -

Company Description

MCPAPIChat
CEO
Brett L. Pharr
Full Time Employees
1,155
Sector
Financial Services
Industry
Banks - Regional
Address
5501 South Broadband Lane Sioux Falls SD United States of America 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

MCPAPIChat
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  • KBW Names Pathward Financial to its 2026 Bank Honor Roll

  • KBW Names Pathward Financial to its 2026 Bank Honor Roll

  • SERVICE CORPORATION INTERNATIONAL INCREASES QUARTERLY CASH DIVIDEND

  • 7shifts Launches New Tip Payout Solution Through On-Demand Pay Product With Clair

  • SABINE ROYALTY TRUST ANNOUNCES MONTHLY CASH DISTRIBUTION FOR MAY 2026

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