CASH · Pathward Financial, Inc.
Market Cap
$1.70B
Shares
20.77M
Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Revenue
$839.89M
+5.3%
FY2025
Net Income
$185.87M
+1.4%
FY2025
Diluted EPS
$7.87
+9.3%
FY2025
Operating Cash Flow
$450.62M
-7.8%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $825.76M | $839.89M | $797.41M | $727.68M | $601.13M | $549.9M | $498.83M | $486.75M | — | — | — | — | — | — | — | — | — | — | |
| $495.57M | $523.39M | $519.06M | $421.95M | $329.44M | $285.85M | $292.84M | $325.73M | $158.53M | $108.1M | $81.4M | $61.61M | $48.66M | $38.98M | $37.3M | $39.06M | $39.08M | $36.73M | |
| $485.33M | $511.79M | $497.83M | $411.08M | $324.57M | $278.99M | $259.04M | $264.21M | $130.55M | $93.23M | $77.31M | $59.22M | $46.26M | $36.02M | $33.73M | $34.31M | $33.09M | $27.82M | |
| $340.43M | $328.1M | $299.59M | $316.6M | $293.81M | $270.9M | $239.79M | $222.55M | $184.53M | $172.17M | $100.77M | $58.17M | $51.74M | $55.5M | $69.57M | $57.49M | $97.44M | $79.97M | |
| $60.23M | $70.38M | $70.11M | $71.05M | $69.08M | $67.75M | $69.13M | — | — | — | — | — | — | — | — | — | — | — | |
| $0 | $0 | $0 | $0 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| $3.17M | $3.46M | $4.13M | $4.97M | $6.59M | $8.55M | $11M | $17.71M | $9.64M | $12.36M | $4.83M | $1.64M | — | — | — | — | — | — | |
| $51.21M | $59.73M | $57.77M | $64.96M | $61.6M | $59.05M | $60.75M | $55.15M | $37.72M | $45.05M | $35.62M | $28.88M | $18.15M | $21.1M | $20.35M | $9.76M | $11.43M | $5.97M | |
| — | — | $0 | $0 | $301K | $591K | $568K | $139K | $29K | $18K | $0 | $0 | — | — | — | — | — | — | |
| $10.24M | $11.6M | $21.23M | $10.87M | $4.87M | $6.86M | $33.8M | $61.52M | $27.99M | $14.87M | $4.09M | $2.39M | $2.4M | $2.95M | $3.56M | $4.75M | $5.99M | $8.91M | |
| $325.73M | — | — | — | — | — | — | — | — | — | — | — | — | $38.98M | $37.3M | $39.06M | $39.08M | — | |
| $210.47M | $223.05M | $218.62M | $155.05M | $180.3M | $156.45M | $115.01M | $97.94M | $57.41M | $55.15M | $38.82M | $19.42M | $18.62M | $17.12M | $26.8M | $8.26M | $19.81M | -$2.01M | |
| $33.73M | $36.27M | $34.11M | $9.59M | $26.2M | $10.7M | $5.66M | -$3.37M | $5.12M | $10.23M | $5.6M | $1.37M | $2.91M | $3.7M | $9.68M | $3.62M | $7.42M | -$543K | |
| $175.85M | $185.87M | $183.22M | $143.27M | $151.13M | $141.71M | $104.72M | $97M | $51.62M | $44.92M | $33.22M | $18.06M | $15.71M | $13.42M | $17.11M | $4.64M | $12.39M | -$1.46M | |
| — | 22.13% | 22.98% | 19.69% | 25.14% | 25.77% | 20.99% | 19.93% | — | — | — | — | — | — | — | — | — | — | |
| $899K | $915K | $1.29M | $2.19M | $2.97M | $4.04M | $4.62M | $4.31M | $673K | $0 | $0 | — | — | — | — | — | — | — | |
| $175.55M | $185.18M | $181.54M | $141.12M | $148.66M | $139.01M | $102.31M | $94.63M | $115.55K | $166.96K | $160.17K | $61.5K | — | — | — | — | — | — | |
| $192.85M | $193.81M | $285.27M | $100.9M | -$69.55M | $131.77M | $115.92M | $136.93M | $9.34M | $31.16M | $53.69M | $23.92M | $32.59M | -$15.38M | $19.29M | $9.38M | $15.83M | $1.72M | |
| USD/shares | $8.00 | $7.91 | $7.21 | $5.26 | $5.09 | $4.38 | $2.94 | $2.49 | $1.68 | $1.62 | $1.31 | $2.68 | $2.57 | $2.40 | $4.94 | $1.49 | $4.23 | -$0.56 |
| USD/shares | $7.98 | $7.87 | $7.20 | $5.24 | $5.09 | $4.38 | $2.94 | $2.49 | $1.67 | $1.61 | $1.30 | $2.66 | $2.53 | $2.38 | $4.92 | $1.49 | $4.11 | -$0.56 |
| shares | — | 23.4M | 25.17M | 26.83M | 29.23M | 31.73M | 34.83M | 37.93M | 30.74M | 27.74M | 25.49M | 6.79M | 6.11M | 5.59M | 3.46M | 3.11M | 2.93M | — |
| shares | — | 23.52M | 25.2M | 26.93M | 29.23M | 31.75M | 34.83M | 37.97M | 30.85M | 27.91M | 8.48M | 6.79M | 6.2M | 5.65M | 3.48M | 3.12M | 3.01M | — |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $73.28M in dividends.
Debt Profile
Annual debt figures are established from 10-K filings and updated by subsequent 10-Q and 8-K disclosures. Instrument balances are not summed into a company total unless the filing itself reports that total.
Coverage backlog: 68 eligible filings and 0 covenant artifacts have no current-version terminal extraction result. This includes untouched sources and sources on the retry ladder.
No terminal debt extraction result is available yet; this is not evidence that the company has no debt.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
2.12×
Peer median 20.16×
EV/EBIT
—
P/E (TTM)
10.26×
Peer median 12.34×
Peer medians compare against the 235 similar-size Banks - Regional companies (of 287 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Consumer | $527,261,000 | $496,717,000 | $408,859,000 | $287,618,000 | $287,197,000 | $251,529,000 | $241,222,000 |
| Commercial | $276,401,000 | $265,823,000 | $263,506,000 | $255,621,000 | $235,782,000 | $210,917,000 | $206,789,000 |
| Corporate And Other | $36,232,000 | $34,872,000 | $55,310,000 | $57,892,000 | $26,916,000 | $36,386,000 | $38,741,000 |
By Product & Service (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Payment Card and Deposit Fees | $124,971,000 | $125,943,000 | $150,746,000 | $105,733,000 | $108,121,000 | $87,379,000 | $87,130,000 | $97,920,000 |
| Rental Income | $51,686,000 | $54,157,000 | $54,190,000 | $46,558,000 | $39,416,000 | $44,826,000 | $41,053,000 | $7,333,000 |
| Refund Advance Fee Income | $48,705,000 | $43,473,000 | $37,433,000 | $40,557,000 | $47,639,000 | $31,826,000 | — | — |
| Refund Transfer Fees | $43,980,000 | $40,178,000 | $39,452,000 | — | $37,967,000 | $36,061,000 | — | — |
| Other Bank and Deposit Fees | — | — | — | $1,049,000 | $939,000 | $1,310,000 | $1,942,000 | $977,000 |
| Refund Transfer Product Fees | — | $40,178,000 | $39,452,000 | $39,809,000 | $37,967,000 | — | — | — |
| Tax Advance Product Fees | — | — | — | — | $47,639,000 | $31,826,000 | $34,687,000 | $35,703,000 |
| Financial Service Other | — | — | $39,452,000 | $39,809,000 | $37,967,000 | $36,061,000 | $39,198,000 | $41,879,000 |
Key facts
CIK
907471
CUSIP
59100U108
13F (30d)
214 filings
212 filers
Visit website
Investor relations