SequelSEC

PATHWARD FINANCIAL, INC. CASH

National Commercial Banks · CIK 0000907471 · Fiscal year ends 0930 · Bank

AnnualQuarterlyTTM
Revenue
$839.89M
Fiscal year ended 2025-09-30
Net income
$185.87M
Fiscal year ended 2025-09-30
Total assets
$7.17B
Fiscal year ended 2025-09-30

PATHWARD FINANCIAL, INC. (CASH) reported revenue of $839.89M and net income of $185.87M for the fiscal year ended 2025-09-30. This page shows 7 annual periods of income statement, balance sheet and cash flow figures normalized from PATHWARD FINANCIAL, INC.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under National Commercial Banks.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

PATHWARD FINANCIAL, INC. income by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302019-09-30
Revenue$839.89M$797.41M$727.68M$601.13M$549.90M$498.83M$486.75M
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$185.87M$183.22M$143.27M$151.13M$141.71M$104.72M$97.00M
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 23.52Mshares 25.20Mshares 26.93Mshares 29.23Mshares 31.75Mshares 34.83Mshares 37.97M
Pretax income$223.05M$218.62M$155.04M$180.30M$156.45M$115.00M$97.94M
Income tax expense$36.27M$34.11M$9.59M$26.20M$10.70M$5.66M-$3.37M
Diluted EPS$7.87$7.20$5.24$5.09$4.38$2.94$2.49
Selling, general & administrative$0$0$0UnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

PATHWARD FINANCIAL, INC. balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302019-09-30
Cash & equivalents$120.57M$158.34M$375.58M$388.04M$314.02M$427.37M$126.54M
Total assets$7.17B$7.53B$7.50B$6.74B$6.69B$6.09B$6.18B
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$6.31B$6.71B$6.89B$6.10B$5.82B$5.24B$5.34B
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$857.45M$822.19M$618.35M$633.21M$871.88M$847.31M$843.96M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Goodwill$297.93M$309.50M$309.50M$309.50M$309.50M$309.50M$309.50M
Long-term debt$33.46M$33.35M$33.87M$36.03M$92.83M$98.22M$215.84M
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

PATHWARD FINANCIAL, INC. cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302019-09-30
Operating cash flow$450.62M$488.80M$327.91M$290.05M$581.64M$467.22M$191.01M
Capital expenditures$11.68M$10.14M$8.62M$8.18M$12.96M$12.27M$13.97M
Investing cash flow$25.84M-$262.93M-$945.56M-$332.11M-$1.12B-$206.32M-$339.20M
Financing cash flow-$513.03M-$443.20M$604.86M$117.82M$422.93M$40.02M$174.88M
Net change in cash-$37.77M-$217.24M-$12.46M$74.02M-$113.35M$300.82M$26.57M
Stock-based compensation$9.51M$10.29M$11.07M$10.00M$6.85M$10.22M$12.94M
Common dividends paid$4.69M$5.07M$5.43M$5.92M$6.40M$7.10M$7.76M
Common share repurchasesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Depreciation & amortization$59.72M$57.76M$64.96M$61.60M$59.05M$60.74M$55.15M

Derived

PATHWARD FINANCIAL, INC. derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302019-09-30
Free cash flow$438.94M$478.66M$319.29M$281.87M$568.68M$454.95M$177.04M
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF margin52.3%60.0%UnavailableUnavailableUnavailableUnavailableUnavailable
SBC / revenue1.1%1.3%UnavailableUnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growth5.3%9.6%21.1%9.3%10.2%2.5%Unavailable
Net margin22.1%23.0%UnavailableUnavailableUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenue1.4%1.3%UnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debt / equity0.04xUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rate16.3%15.6%6.2%14.5%6.8%4.9%-3.4%

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open CASH in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-06View SEC filing
10-Q · Filed 2026-05-07View SEC filing
10-Q · Filed 2026-02-05View SEC filing
10-K · Filed 2025-11-25View SEC filing
10-Q · Filed 2025-09-16View SEC filing
10-Q · Filed 2025-09-10View SEC filing

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Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.