For the twelve months ended Jun 30, 2026, Pathward Financial Inc. reported $825.76M of revenue and $175.85M of net income.
CASH revenue was $189.64M in fiscal Q3 2026 (ended Jun 30, 2026), down 3.1% from a year earlier and down 31.4% from the prior quarter. For the full fiscal 2025 it was $839.89M, up 5.3% from fiscal 2024. Compound annual growth was +11.0% over 5 years and +21.7% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.
CASH net income was $28.97M in fiscal Q3 2026 (ended Jun 30, 2026), down 31.3% from a year earlier and down 60.3% from the prior quarter. For the full fiscal 2025 it was $185.87M, up 1.4% from fiscal 2024. Compound annual growth was +12.2% over 5 years and +26.3% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.
CASH diluted EPS was $1.37 in fiscal Q3 2026 (ended Jun 30, 2026), down 24.3% from a year earlier and down 59.1% from the prior quarter. For the full fiscal 2025 it was $7.87, up 9.3% from fiscal 2024. Compound annual growth was +21.8% over 5 years and +24.4% over 10 years.
CASH free cash flow was $48.57M in fiscal Q3 2026 (ended Jun 30, 2026), up 75.4% from a year earlier and down 78.9% from the prior quarter. For the full fiscal 2025 it was $438.94M, down 8.3% from fiscal 2024. Compound annual growth was -0.7% over 5 years and +25.8% over 10 years. It rose in 8 of the last 10 fiscal years.
| Line item | Sep 30, 2025 | Sep 30, 2024 | Sep 30, 2023 | Sep 30, 2022 | Sep 30, 2021 | Sep 30, 2020 | Sep 30, 2019 | Sep 30, 2018 | Sep 30, 2017 | Sep 30, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $839.89M | $797.41M | $727.67M | $618.37M | $549.89M | $498.83M | $486.75M | $315.07M | $265.40M | $178.07M |
| Selling, general and admin | $0 | $0 | $0 | - | - | - | - | - | - | - |
| Interest expense | - | - | $10.87M | $4.87M | $6.86M | $33.80M | $61.52M | $27.98M | $14.87M | $4.09M |
| Pre-tax income | $223.05M | $218.62M | $155.04M | $180.30M | $156.45M | $115.00M | $97.94M | $57.41M | $55.15M | $38.82M |
| Income tax | $36.27M | $34.11M | $9.59M | $26.20M | $10.70M | $5.66M | -$3.37M | $5.12M | $10.23M | $5.60M |
| Net income | $185.87M | $183.22M | $143.27M | $151.13M | $141.71M | $104.72M | $97.00M | $51.62M | $44.92M | $33.22M |
| EPS, basic | $7.91 | $7.21 | $5.26 | $5.09 | $4.38 | $2.94 | $2.49 | $1.68 | $1.62 | $0.44 |
| EPS, diluted | $7.87 | $7.20 | $5.24 | $5.09 | $4.38 | $2.94 | $2.49 | $1.67 | $1.61 | $0.43 |
| Diluted shares | 23.5M | 25.2M | 26.9M | 29.2M | 31.8M | 34.8M | 38.0M | 30.9M | 27.9M | 25.4M |
| Line item | Sep 30, 2025 | Sep 30, 2024 | Sep 30, 2023 | Sep 30, 2022 | Sep 30, 2021 | Sep 30, 2020 | Sep 30, 2019 | Sep 30, 2018 | Sep 30, 2017 | Sep 30, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $120.57M | $158.34M | $375.58M | $388.04M | $314.02M | $427.37M | $126.55M | $99.98M | $1.27B | $773.83M |
| Goodwill | $297.93M | $309.50M | $309.50M | $309.50M | $309.50M | $309.50M | $309.50M | $303.27M | $98.72M | $36.93M |
| Total assets | $7.17B | $7.53B | $7.50B | $6.74B | $6.69B | $6.09B | $6.18B | $5.84B | $5.23B | $4.01B |
| Short-term debt | $9.00M | $377.00M | $13.00M | $0 | - | $0 | $646.02M | $425.76M | $1.40B | $1.10B |
| Long-term debt | - | - | - | - | - | - | $215.84M | $88.96M | $85.53M | $92.46M |
| Total debt | $33.46M | $33.35M | $33.87M | $36.03M | $92.83M | $98.22M | $861.86M | $514.72M | $1.49B | $1.19B |
| Total liabilities | $6.31B | $6.71B | $6.89B | $6.10B | $5.82B | $5.24B | $5.34B | $5.09B | $4.79B | $3.67B |
| Shareholders' equity | $858.04M | $822.19M | $618.35M | $633.21M | $871.88M | $847.31M | $843.96M | $747.73M | $434.50M | $334.98M |
| Line item | Sep 30, 2025 | Sep 30, 2024 | Sep 30, 2023 | Sep 30, 2022 | Sep 30, 2021 | Sep 30, 2020 | Sep 30, 2019 | Sep 30, 2018 | Sep 30, 2017 | Sep 30, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $450.62M | $488.81M | $327.91M | $290.05M | $581.64M | $467.22M | $191.01M | $137.75M | $119.99M | $78.50M |
| Capital expenditures | $11.68M | $10.14M | $8.62M | $8.18M | $12.96M | $12.27M | $13.97M | $8.54M | $6.80M | $6.98M |
| Free cash flow | $438.94M | $478.66M | $319.29M | $281.87M | $568.68M | $454.95M | $177.04M | $129.21M | $113.19M | $71.52M |
| Investing cash flow | $25.84M | -$262.93M | -$945.56M | -$332.11M | -$1.12B | -$206.32M | -$339.20M | -$389.79M | -$700.43M | -$738.48M |
| Financing cash flow | -$513.03M | -$443.20M | $604.86M | $117.82M | $422.93M | $40.02M | $174.88M | -$915.58M | $1.07B | $1.41B |
| Dividends paid | $4.69M | $5.07M | $5.43M | $5.92M | $6.40M | $7.10M | $7.76M | $5.74M | $4.84M | $4.39M |
| Stock-based compensation | $9.51M | $10.29M | $11.07M | $10.00M | $6.85M | $10.22M | $12.94M | $11.12M | $10.39M | $486.0K |
| Depreciation and amortization | $59.73M | $57.77M | $64.95M | $61.60M | $59.05M | $60.74M | $55.15M | $37.72M | $45.05M | $35.62M |
| Line item | Sep 30, 2025 | Sep 30, 2024 | Sep 30, 2023 | Sep 30, 2022 | Sep 30, 2021 | Sep 30, 2020 | Sep 30, 2019 | Sep 30, 2018 | Sep 30, 2017 | Sep 30, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 5.3% | 9.6% | 17.7% | 12.5% | 10.2% | 2.5% | 54.5% | 18.7% | 49.0% | 51.7% |
| Net income growth, YoY | 1.4% | 27.9% | -5.2% | 6.7% | 35.3% | 8.0% | 87.9% | 14.9% | 35.2% | 84.0% |
| EPS growth, YoY | 9.3% | 37.4% | 2.9% | 16.2% | 49.0% | 18.1% | 49.1% | 3.7% | 271.5% | -51.1% |
| Net margin | 22.1% | 23.0% | 19.7% | 24.4% | 25.8% | 21.0% | 19.9% | 16.4% | 16.9% | 18.7% |
| Free cash flow margin | 52.3% | 60.0% | 43.9% | 45.6% | 103.4% | 91.2% | 36.4% | 41.0% | 42.6% | 40.2% |
| Return on equity | 21.7% | 22.3% | 23.2% | 23.9% | 16.3% | 12.4% | 11.5% | 6.9% | 10.3% | 9.9% |
| Return on assets | 2.6% | 2.4% | 1.9% | 2.2% | 2.1% | 1.7% | 1.6% | 0.9% | 0.9% | 0.8% |
| Debt to equity | 0.04 | 0.04 | 0.05 | 0.06 | 0.11 | 0.12 | 1.02 | 0.69 | 3.43 | 3.55 |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $189.64M | $276.30M | $173.10M | $186.71M | $195.75M | $274.80M | $182.63M | $179.52M | $188.62M | $257.58M | $171.69M | $170.21M |
| Selling, general and admin | $0 | $0 | $0 | $0 | $0 | $0 | $0 | - | - | - | - | - |
| Interest expense | - | - | - | - | - | - | - | - | - | $8.46M | $5.86M | $4.71M |
| Pre-tax income | $32.21M | $87.23M | $42.66M | $48.37M | $47.16M | $91.36M | $36.17M | $37.49M | $51.18M | $87.09M | $42.85M | $20.96M |
| Income tax | $3.06M | $14.17M | $7.19M | $9.30M | $4.79M | $16.17M | $6.00M | $3.38M | $6.10M | $16.93M | $7.70M | -$4.82M |
| Net income | $28.97M | $72.91M | $35.17M | $38.80M | $42.15M | $74.96M | $29.97M | $33.53M | $44.87M | $69.92M | $34.90M | $25.28M |
| EPS, basic | $1.37 | $3.37 | $1.57 | $1.69 | $1.83 | $3.16 | $1.23 | $1.34 | $1.78 | $2.74 | $1.34 | $0.96 |
| EPS, diluted | $1.37 | $3.35 | $1.57 | $1.69 | $1.81 | $3.14 | $1.23 | $1.34 | $1.78 | $2.74 | $1.34 | $0.96 |
| Diluted shares | 21.2M | 21.7M | 22.4M | - | 23.1M | 23.8M | 24.3M | - | 25.0M | 25.3M | 25.8M | - |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $149.41M | $157.60M | $331.22M | $120.57M | $258.34M | $254.25M | $597.40M | $158.34M | $298.93M | $347.89M | $671.63M | $375.58M |
| Goodwill | $297.93M | $297.93M | $297.93M | $297.93M | $297.93M | $297.93M | $297.93M | $309.50M | $309.50M | $309.50M | $309.50M | $309.50M |
| Total assets | $7.31B | $7.11B | $7.56B | $7.17B | $7.23B | $6.99B | $7.60B | $7.53B | $7.51B | $7.42B | $7.90B | $7.50B |
| Short-term debt | $167.50M | $26.00M | $0 | $9.00M | $115.00M | $0 | $0 | $377.00M | $0 | $31.00M | $0 | $13.00M |
| Total debt | $33.53M | $33.51M | $33.48M | $33.46M | $33.43M | $33.41M | $33.38M | $33.35M | $33.33M | $33.37M | $33.61M | $33.87M |
| Total liabilities | $6.46B | $6.26B | $6.71B | $6.31B | $6.41B | $6.18B | $6.85B | $6.71B | $6.77B | $6.70B | $7.20B | $6.89B |
| Shareholders' equity | $850.90M | $850.68M | $853.71M | $858.04M | $818.15M | $814.05M | $757.55M | $822.19M | $747.90M | $719.08M | $704.25M | $618.35M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $51.95M | $232.95M | $108.30M | $303.66M | $30.36M | $188.33M | -$71.73M | $143.12M | $113.18M | $202.98M | $29.53M | $120.65M |
| Capital expenditures | $3.38M | $2.31M | $4.24M | $3.34M | $2.67M | $3.58M | $2.09M | $4.36M | $2.19M | $1.71M | $1.89M | $3.65M |
| Free cash flow | $48.57M | $230.64M | $104.07M | $300.32M | $27.69M | $184.75M | -$73.82M | $138.76M | $110.99M | $201.27M | $27.65M | $117.00M |
| Investing cash flow | -$270.09M | $141.21M | -$300.36M | -$199.61M | -$282.36M | $215.06M | $292.76M | -$87.69M | -$177.24M | $52.71M | -$50.71M | -$305.97M |
| Financing cash flow | $211.62M | -$546.62M | $401.91M | -$240.59M | $254.02M | -$746.51M | $220.05M | -$196.36M | $15.40M | -$578.85M | $316.61M | $46.24M |
| Dividends paid | $1.06M | $1.09M | $1.11M | $1.14M | $1.15M | $1.19M | $1.20M | $1.24M | $1.26M | $1.27M | $1.30M | $1.31M |
| Stock-based compensation | $2.55M | $3.92M | $2.86M | $2.28M | $2.15M | $3.46M | $1.61M | $2.52M | $1.87M | $4.67M | $1.23M | $2.67M |
| Depreciation and amortization | $10.80M | $12.71M | $13.39M | $14.30M | $15.09M | $15.41M | $14.92M | $13.93M | $14.38M | $14.77M | $14.69M | $15.45M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | -3.1% | 0.5% | -5.2% | 4.0% | 3.8% | 6.7% | 6.4% | 5.5% | 10.6% | 10.7% | 11.3% | 33.3% |
| Net income growth, YoY | -31.3% | -2.7% | 17.3% | 15.7% | -6.1% | 7.2% | -14.1% | 32.7% | 24.4% | 29.2% | 25.6% | 18.8% |
| EPS growth, YoY | -24.3% | 6.7% | 27.6% | 26.1% | 1.7% | 14.6% | -8.2% | 39.6% | 32.8% | 39.8% | 36.7% | 31.5% |
| Net margin | 15.3% | 26.4% | 20.3% | 20.8% | 21.5% | 27.3% | 16.4% | 18.7% | 23.8% | 27.1% | 20.3% | 14.9% |
| Free cash flow margin | 25.6% | 83.5% | 60.1% | 160.9% | 14.1% | 67.2% | -40.4% | 77.3% | 58.8% | 78.1% | 16.1% | 68.7% |
| Debt to equity | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 |
Source: XBRL data Pathward Financial Inc. files with the SEC, latest filing dated Aug 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
Per-share figures and share counts are restated for stock splits the filings show: 3-for-1, first reported Feb 7, 2019.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| CASH | $825.76M | -0.8% | $175.85M | 21.3% | $1.59B |
| JPM | $203.15B | +13.2% | $65.98B | 32.5% | $908.43B |
| BAC | $120.16B | +5.4% | $32.24B | 26.8% | $348.81B |
| WFC | $87.23B | +5.4% | $22.97B | 26.3% | $256.63B |
| C | $85.22B | +5.6% | $14.31B | 16.8% | $201.89B |
| UBS | $49.57B | +2.0% | $7.80B | 15.7% | $151.93B |
| MFG | ¥8.79T | +7.6% | ¥1.16T | 13.2% | $122.19B |
| COF | $63.01B | +31.2% | $10.87B | 17.2% | $119.45B |
| BNS | C$37.74B | +12.1% | C$7.79B | 20.6% | $114.51B |