Pathward Financial, Inc.
CASH Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$78.36
KIRA · Stoqly’s AI analyst, in plain words
- Pathward Financial, Inc. had $840M of revenue in fiscal 2025, up 5.3% on the year before. Over five years, revenue changed +11.0% a year on average.
- Pathward Financial, Inc. made $186M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 22.1% a year.
- Pathward Financial, Inc. returned $4.7M to shareholders in fiscal 2025, 1% of free cash flow. The diluted share count fell 6.7%.
- It earned 22.1% on shareholders’ money. Running costs took 66.7% of revenue (the efficiency ratio; lower is better).
Market cap
$1.7B
P/E
9.8x
Revenue
$840M
Net income
$186M
Return on equity
22.1%
Efficiency ratio
66.7%
Pathward Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+5.3%
Yes. Sales grew 5.3% last year.
Does it make a profit?
22.1%
Yes. It keeps 22.1% of every sale as profit.
How lean are its costs?
66.7%
Costly. Running costs take 66.7% of revenue.
How much does it earn on its capital?
22.1%
Good. It earns 22.1% a year on shareholders’ money.
How is the share priced?
9.8x
One share costs 9.8 times its yearly profit per share.
What Pathward Financial, Inc. does
No business description yet.
- Fiscal year ends
- September 30, 2025
- Latest annual report
- 10-K · Nov 25, 2025
- Legal name
- PATHWARD FINANCIAL, INC.
- CIK
- 0000907471
Pathward Financial, Inc. · CASH
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $550M | $601M | $728M | $797M | $840M |
| Revenue growth | 10.2% | 9.3% | 21.1% | 9.6% | 5.3% |
| Net interest income | $279M | $325M | $411M | $498M | $512M |
| Net income | $142M | $151M | $143M | $183M | $186M |
| Net margin | 25.8% | 25.1% | 19.7% | 23.0% | 22.1% |
| Diluted EPS | $4.38 | $5.09 | $5.24 | $7.20 | $7.87 |
| Cash | |||||
| Cash from operations | $582M | $290M | $328M | $489M | $451M |
| Capital expenditure | $13.0M | $8.2M | $8.6M | $10.1M | $11.7M |
| Free cash flow | $569M | $282M | $319M | $479M | $439M |
| FCF margin | 103.4% | 46.9% | 43.9% | 60.0% | 52.3% |
| Dividends paid | $6.4M | $5.9M | $5.4M | $5.1M | $4.7M |
| Share count change | −8.8% | −7.9% | −7.9% | −6.4% | −6.7% |
| Debt and strength | |||||
| Cash and short-term investments | $314M | $388M | $376M | $158M | $121M |
| Debt incl. finance leases | $92.8M | $36.0M | $46.9M | $410M | $42.5M |
| Loans, net | $3.5B | $3.5B | $4.3B | $4.0B | $4.6B |
| Deposits | $5.5B | $5.9B | $6.6B | $5.9B | $5.9B |
| Shareholders' equity | $871M | $633M | $619M | $822M | $858M |
| Returns and quality | |||||
| Return on equity | 16.5% | 20.1% | 22.9% | 25.4% | 22.1% |
| Return on tangible equity | 26.3% | 49.9% | 48.8% | 36.6% | 33.8% |
| Efficiency ratio | 62.5% | 63.4% | 63.7% | 65.3% | 66.7% |
| Piotroski F-score | 7 | 7 | 5 | 6 | 7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$3.1M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Pathward Financial, Inc. · CASH
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $78.36 a share, the company is worth $1.7B: 9.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000907471). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.