CASH · Pathward Financial, Inc.
$88.63
-0.86 (-0.96%)
At close · Aug 6
Market Cap
$1.87B
Shares
21.11M
Pathward Financial, Inc. Earnings Call Transcripts
Every quarterly earnings call for Pathward Financial, Inc. (CASH) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲2.5%
$123.22M
$21.28M
'22 Q4
22-10-27
▼5.3%
$149.83M
$27.84M
'23 Q1
23-01-25
▲18%
$228.44M
$54.77M
'23 Q2
23-04-26
▲31%
$165.20M
$45.10M
'23 Q3
23-07-26
▲30.7%
$160.99M
$25.28M
'23 Q4
23-10-25
▲8.7%
$162.80M
$27.66M
'24 Q1
24-01-24
▲8.2%
$247.25M
$65.27M
'24 Q2
24-04-24
▲7%
$176.73M
$41.84M
'24 Q3
24-07-24
▲30.8%
$210.64M
$33.53M
'24 Q4
24-10-23
▲12.2%
$182.63M
$29.97M
'25 Q1
25-01-21
▲11.1%
$274.80M
$74.96M
'25 Q2
25-04-22
▲10.8%
$195.75M
$42.15M
'25 Q3
25-07-28
▼11.4%
$186.71M
$38.80M
'25 Q4
25-10-21
▼5.2%
$173.10M
$35.17M
'26 Q1
26-01-22
LATEST
▲0.5%
$276.30M
$72.91M
'26 Q2
26-04-22
Earnings call
FY26 · Q3
2026-07-22
Pathward Financial Third Quarter 2026 Earnings Conference Call
Positive tone
Credit quality and non-performing loans
Net interest margin and rate environment
Client experience and partner solutions
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q2
2026-04-22
Pathward Financial, Inc. Q2 FY2026 Earnings Call
Confident tone
Tax services growth
Consumer finance portfolio sale
Partner Solutions pipeline
Revenue
$276.30M
▲ 0.5% YoY Diluted EPS
$3.35
▲ 6.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-01-22
Pathward Financial, Inc. Q1 FY2026 Earnings Call
Confident tone
Evolved operating model rollout
Fee income from balance sheet velocity
Partner pipeline and new contracts
Revenue
$173.10M
▼ 5.2% YoY Diluted EPS
$1.57
▲ 27.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2025-10-21
Pathward Financial, Inc. Q4 FY2025 Earnings Call
Revenue
$186.71M*
▼ 11.4% YoY Diluted EPS
$1.69
▲ 26.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-07-28
Pathward Financial, Inc. Q3 FY2025 Earnings Call
Confident tone
Credit quality and commercial finance performance
Restatement and preliminary results
Partner solutions and banking-as-a-service pipeline
Revenue
$195.75M
▲ 10.8% YoY Diluted EPS
$1.81
▲ 9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-04-22
Pathward Financial, Inc. Q2 FY2025 Earnings Call
Confident tone
Capital return and buybacks
Net interest margin and rate sensitivity
Portfolio sales and redeployment
Revenue
$274.80M
▲ 11.1% YoY Diluted EPS
$3.14
▲ 22.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-01-21
Pathward Financial, Inc. Q1 FY2025 Earnings Call
Revenue
$182.63M
▲ 12.2% YoY Diluted EPS
$1.23
▲ 16% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2024-10-23
Pathward Financial, Inc. Q4 FY2024 Earnings Call
Revenue
$210.64M*
▲ 30.8% YoY Diluted EPS
$1.34
▲ 39.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-07-24
Pathward Financial, Inc. Q3 FY2024 Earnings Call
Revenue
$176.73M
▲ 7% YoY Diluted EPS
$1.66
▼ 1.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-04-24
Pathward Financial, Inc. Q2 FY2024 Earnings Call
Confident tone
Commercial Finance portfolio
Noninterest income / fee income growth
Tax services and Refund Advance
Revenue
$247.25M
▲ 8.2% YoY Diluted EPS
$2.56
▲ 28.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-01-24
Pathward Financial, Inc. Q1 FY2024 Earnings Call
Revenue
$162.80M
▲ 8.7% YoY Diluted EPS
$1.06
▲ 8.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2023-10-25
Pathward Financial, Inc. Q4 FY2023 Earnings Call
Revenue
$160.99M*
▲ 30.7% YoY Diluted EPS
$0.96
▲ 31.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-07-26
Pathward Financial, Inc. Q3 FY2023 Earnings Call
Revenue
$165.20M
▲ 31% YoY Diluted EPS
$1.68
▲ 121.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-04-26
Pathward Financial, Inc. Q2 FY2023 Earnings Call
Revenue
$228.44M
▲ 18% YoY Diluted EPS
$1.99
▲ 19.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-01-25
Pathward Financial, Inc. Q1 FY2023 Earnings Call
Revenue
$149.83M
▼ 5.3% YoY Diluted EPS
$0.98
▼ 51% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2022-10-27
Pathward Financial, Inc. Q4 FY2022 Earnings Call
Revenue
$123.22M*
▲ 2.5% YoY Diluted EPS
$0.73
▲ 46% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-07-27
Pathward Financial, Inc. Q3 FY2022 Earnings Call
Revenue
$126.14M
▼ 3.7% YoY Diluted EPS
$0.76
▼ 37.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-04-28
Pathward Financial, Inc. Q2 FY2022 Earnings Call
Revenue
$193.57M
▲ 3.3% YoY Diluted EPS
$1.66
▼ 9.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-01-26
Pathward Financial, Inc. Q1 FY2022 Earnings Call
Revenue
$158.20M
▲ 41.9% YoY Diluted EPS
$2.00
▲ 138.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2021-10-27
Pathward Financial, Inc. Q4 FY2021 Earnings Call
Revenue
$120.21M*
▲ 14.2% YoY Diluted EPS
$0.50
▲ 31.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-07-28
Pathward Financial, Inc. Q3 FY2021 Earnings Call
Revenue
$130.93M
▲ 26.9% YoY Diluted EPS
$1.21
▲ 128.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-04-27
Pathward Financial, Inc. Q2 FY2021 Earnings Call
Revenue
$187.30M
▼ 0.5% YoY Diluted EPS
$1.84
▲ 26.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-01-27
Pathward Financial, Inc. Q1 FY2021 Earnings Call
Revenue
$111.45M
▲ 9.1% YoY Diluted EPS
$0.84
▲ 50% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2020-10-28
Pathward Financial, Inc. Q4 FY2020 Earnings Call
Revenue
$105.26M*
▲ 3.6% YoY Diluted EPS
$0.38
▼ 28.3% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-07-22
Pathward Financial, Inc. Q3 FY2020 Earnings Call
Revenue
$103.19M
▼ 6.8% YoY Diluted EPS
$0.53
▼ 29.3% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-04-22
Pathward Financial, Inc. Q2 FY2020 Earnings Call
Revenue
$188.25M
▲ 6.7% YoY Diluted EPS
$1.45
▲ 79% YoY
Rev · 5q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-01-29
Pathward Financial, Inc. Q1 FY2020 Earnings Call
Revenue
$102.13M
▲ 4.2% YoY Diluted EPS
$0.56
▲ 43.6% YoY
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Showing 1–27 of 27 earnings calls
Key facts
CIK
907471
CUSIP
59100U108
13F (30d)
86 filings
86 filers
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