PATHWARD FINANCIAL, INC. (CASH)
Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014Q4-CY2013
Balance Sheet Date2025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-312013-Dec-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue186,708,000$195,755,000$274,803,000$182,629,000$179,524,000$188,621,000$257,579,000$171,688,000$184,200,000$170,548,000$232,711,000$154,207,000$127,724,000$130,864,000$198,268,000$161,517,000$120,210,000$130,928,000$187,303,000$111,454,000$105,263,000$103,185,000$188,250,000$102,134,000$101,597,000$110,758,000$176,375,000$98,023,000$73,150,000$61,636,000$124,824,000$55,464,000$54,321,000$55,763,000$116,136,000$39,182,000$39,121,000$43,726,000$60,839,000$34,389,000$30,809,000$30,085,000$30,255,000$26,245,000$24,909,000$24,409,000$24,582,000$24,100,000$
QoQ%(4.62%)(28.77%)50.47%1.73%(4.82%)(26.77%)50.03%(6.79%)8.01%(26.71%)50.91%20.74%(2.40%)(34.00%)22.75%34.36%(8.19%)(30.10%)68.05%5.88%2.01%(45.19%)84.32%.53%(8.27%)(37.20%)79.93%34.00%18.68%(50.62%)125.05%2.10%(2.59%)(51.99%)196.40%.16%(10.53%)(28.13%)76.91%11.62%2.41%(.56%)15.28%5.36%2.05%(.70%)2.00%6.64%
YoY%4.00%3.78%6.69%6.37%(2.54%)10.60%10.69%11.34%44.22%30.33%17.37%(4.53%)6.25%(.05%)5.85%44.92%14.20%26.89%(.50%)9.13%3.61%(6.84%)6.73%4.19%38.89%79.70%41.30%76.73%34.66%10.53%7.48%41.56%38.85%27.53%90.89%13.94%26.98%45.34%101.09%31.03%23.69%23.25%23.08%8.90%10.22%7.44%2.43%8.52%
Cost Of Revenue(6,431,000$)9,278,000$35,266,000$18,661,000$8,672,000$11,927,000$29,744,000$7,758,000$28,007,000$22,517,000$41,960,000$16,758,000$(2,648,000$)(1,302,000$)32,302,000$186,000$8,775,000$4,612,000$30,290,000$6,089,000$8,980,000$15,093,000$37,296,000$3,407,000$4,121,000$9,112,000$33,318,000$9,099,000$4,707,000$5,315,000$18,343,000$(1,068,000$)(143,000$)1,240,000$18,343,000$843,000$(8,662,000$)2,098,000$1,173,000$786,000$124,000$700,000$593,000$48,000$550,000$300,000$300,000$0$
Gross Profit193,139,000$186,477,000$239,537,000$163,968,000$170,852,000$176,694,000$227,835,000$163,930,000$156,193,000$148,031,000$190,751,000$137,449,000$130,372,000$132,166,000$165,966,000$161,331,000$111,435,000$126,316,000$157,013,000$105,365,000$96,283,000$88,092,000$150,954,000$98,727,000$97,476,000$101,646,000$143,057,000$88,924,000$68,443,000$56,321,000$106,481,000$56,532,000$54,464,000$54,523,000$97,793,000$38,339,000$47,783,000$41,628,000$59,666,000$33,603,000$30,685,000$29,385,000$29,662,000$26,197,000$24,359,000$24,109,000$24,282,000$24,100,000$
Gross Margin103.44%95.26%87.17%89.78%95.17%93.68%88.45%95.48%84.80%86.80%81.97%89.13%102.07%101.00%83.71%99.89%92.70%96.48%83.83%94.54%91.47%85.37%80.19%96.66%95.94%91.77%81.11%90.72%93.57%91.38%85.31%101.93%100.26%97.78%84.21%97.85%122.14%95.20%98.07%97.71%99.60%97.67%98.04%99.82%97.79%98.77%98.78%100.00%
Operating Expenses144,771,000$139,322,000$148,177,000$127,797,000$133,362,000$125,510,000$140,742,000$121,077,000$121,239,000$111,066,000$128,175,000$102,908,000$99,605,000$92,547,000$103,762,000$85,364,000$93,615,000$81,523,000$95,971,000$72,575,000$80,283,000$71,241,000$91,729,000$75,798,000$76,144,000$72,468,000$110,254,000$74,295,000$66,640,000$49,053,000$68,497,000$44,042,000$53,745,000$42,219,000$66,946,000$36,753,000$31,223,000$31,627,000$41,790,000$30,008,000$26,201,000$24,473,000$23,420,000$22,413,000$20,590,000$18,837,000$19,743,000$19,061,000$
Operating Income
Operating Margin
Interest Income80,828,000$81,632,000$88,294,000$74,976,000$60,202,000$34,104,000$33,371,000$30,857,000$28,949,000$28,861,000$27,718,000$22,575,000$21,729,000$20,763,000$20,629,000$18,275,000$16,363,000$15,254,000$15,758,000$14,232,000$12,869,000$12,566,000$12,063,000$11,162,000$
Interest Expenses1,488,000$1,279,000$5,725,000$3,106,000$3,828,000$3,083,000$8,460,000$5,862,000$4,708,000$1,881,000$3,282,000$1,003,000$462,000$1,755,000$1,377,000$1,278,000$1,389,000$1,508,000$1,819,000$2,147,000$3,894,000$5,269,000$11,666,000$12,974,000$15,211,000$14,664,000$16,944,000$14,704,000$11,665,000$5,693,000$5,966,000$4,661,000$4,461,000$3,918,000$3,752,000$2,742,000$1,836,000$844,000$691,000$720,000$660,000$593,000$473,000$661,000$567,000$638,000$544,000$649,000$
Income Before Tax48,368,000$47,155,000$91,360,000$36,171,000$37,490,000$51,184,000$87,093,000$42,853,000$20,963,000$36,965,000$62,576,000$34,541,000$20,117,000$30,454,000$53,908,000$75,824,000$17,820,000$44,793,000$61,042,000$32,790,000$16,000,000$16,851,000$59,225,000$22,929,000$21,332,000$29,178,000$32,803,000$14,629,000$1,804,000$7,268,000$37,984,000$10,354,000$719,000$12,304,000$40,541,000$1,586,000$7,350,000$10,001,000$17,876,000$3,595,000$4,484,000$4,912,000$6,243,000$3,784,000$3,770,000$5,272,000$4,539,000$5,039,000$
Tax Expenses9,300,000$4,795,000$16,166,000$6,005,000$3,382,000$6,103,000$16,926,000$7,697,000$(4,821,000$)377,000$7,860,000$6,171,000$(1,854,000$)6,742,000$7,183,000$14,130,000$1,101,000$4,934,000$1,133,000$3,533,000$1,791,000$(2,426,000$)5,617,000$680,000$(130,000$)(1,158,000$)(395,000$)(1,691,000$)(7,591,000$)476,000$6,548,000$5,684,000$(1,025,000$)2,517,000$8,399,000$342,000$1,344,000$1,128,000$3,593,000$(463,000$)(155,000$)272,000$1,062,000$189,000$406,000$1,068,000$395,000$1,037,000$
Net Income39,068,000$42,360,000$75,194,000$30,166,000$34,108,000$45,081,000$70,167,000$35,156,000$25,784,000$36,588,000$54,716,000$28,370,000$21,971,000$23,712,000$46,725,000$61,694,000$16,719,000$39,859,000$59,909,000$29,257,000$14,209,000$19,277,000$53,608,000$22,249,000$21,462,000$30,336,000$33,198,000$16,320,000$9,395,000$6,792,000$31,436,000$4,670,000$1,744,000$9,787,000$32,142,000$1,244,000$6,006,000$8,873,000$14,283,000$4,058,000$4,639,000$4,640,000$5,181,000$3,595,000$3,363,000$4,204,000$4,144,000$4,002,000$
Profit Margin20.93%21.64%27.36%16.52%19.00%23.90%27.24%20.48%14.00%21.45%23.51%18.40%17.20%18.12%23.57%38.20%13.91%30.44%31.99%26.25%13.50%18.68%28.48%21.78%21.13%27.39%18.82%16.65%12.84%11.02%25.18%8.42%3.21%17.55%27.68%3.18%15.35%20.29%23.48%11.80%15.06%15.42%17.12%13.70%13.50%17.22%16.86%16.61%
TTM22.24%21.84%22.35%22.21%23.14%21.97%21.39%20.06%19.61%20.67%19.95%19.77%24.92%24.37%27.01%29.70%26.50%26.78%24.18%22.90%21.92%23.55%25.39%21.85%20.82%19.47%16.06%17.88%16.60%15.07%16.41%17.16%16.92%19.66%20.27%16.63%18.66%18.76%17.69%14.75%15.38%15.05%15.44%15.28%16.03%16.54%16.27%15.30%
Earnings to Minority265,000$213,000$237,000$199,000$575,000$212,000$249,000$257,000$507,000$508,000$597,000$580,000$687,000$1,448,000$851,000$(18,000$)816,000$1,158,000$843,000$1,220,000$1,051,000$1,087,000$1,304,000$1,181,000$1,267,000$1,045,000$1,078,000$922,000$673,000$0$0$1,214,000$1,105,000$
Earnings to Common Shareholders38,665,000$41,995,000$74,693,000$29,843,000$33,167,000$44,405,000$69,356,000$34,621,000$15,329,000$44,406,000$53,930,000$27,439,000$17,855,000$22,014,000$48,436,000$60,371,000$15,616,000$37,972,000$57,953,000$27,483,000$12,841,000$17,758,000$51,089,000$20,608,000$20,195,000$29,291,000$32,120,000$15,398,000$8,722,000$6,792,000$31,436,000$4,670,000$1,744,000$9,787,000$30,928,000$1,244,000$6,006,000$8,873,000$13,178,000$4,058,000$4,639,000$4,640,000$5,181,000$3,595,000$3,363,000$4,204,000$4,144,000$4,002,000$
QoQ%(7.93%)(43.78%)150.29%(10.02%)(25.31%)(35.98%)100.33%125.85%(65.48%)(17.66%)96.55%53.68%(18.89%)(54.55%)(19.77%)286.60%(58.88%)(34.48%)110.87%114.03%(27.69%)(65.24%)147.91%2.05%(31.05%)(8.81%)108.60%76.54%28.42%(78.39%)573.15%167.78%(82.18%)(68.36%)2,386.17%(79.29%)(32.31%)(32.67%)224.74%(12.52%)(.02%)(10.44%)44.12%6.90%(20.01%)1.45%3.55%15.20%
YoY%16.58%(5.43%)7.70%(13.80%)116.37%.00%28.60%26.17%(14.15%)101.72%11.34%(54.55%)14.34%(42.03%)(16.42%)119.67%21.61%113.83%13.44%33.36%(36.42%)(39.37%)59.06%33.84%131.54%331.26%2.18%229.72%400.12%(30.60%)1.64%275.40%(70.96%)10.30%134.69%(69.35%)29.47%91.23%154.35%12.88%37.94%10.37%25.02%(10.17%)(3.20%)14.49%31.68%28.06%
Earnings Per Share, Basic1.70$1.83$3.16$1.23$1.34$1.78$2.74$1.34$0.59$1.69$1.99$0.98$0.62$0.76$1.66$2.00$0.50$1.21$1.84$0.84$0.38$0.53$1.45$0.56$0.59$0.75$0.81$0.39$0.24$0.23$1.08$0.16$0.02$1.05$3.31$0.14$0.08$1.04$1.55$0.49$0.62$0.67$0.79$0.58$0.55$0.69$0.68$0.66$
Earnings Per Share, Diluted1.69$1.81$3.14$1.23$1.34$1.78$2.74$1.34$0.59$1.68$1.98$0.98$0.62$0.76$1.66$2.00$0.50$1.21$1.84$0.84$0.38$0.53$1.45$0.56$0.59$0.75$0.81$0.39$0.24$0.23$1.08$0.16$0.02$1.04$3.29$0.14$0.71$1.04$1.54$0.49$0.63$0.66$0.78$0.58$0.54$0.68$0.67$0.65$
Unlevered FCF Per Share, Basic13.23$1.20$7.81$(3.05$)5.62$4.45$7.96$1.07$4.52$0.36$5.39$1.67$(0.44$)0.08$4.67$5.14$4.07$1.90$6.73$5.17$5.38$0.38$3.61$3.64$0.52$1.03$1.85$1.18$0.62$0.23$3.19$0.26$0.43$1.15$7.99$(0.93$)(0.28$)2.91$0.70$0.50$
Unlevered FCF Per Share, Diluted13.12$1.20$7.77$(3.04$)5.61$4.44$7.95$1.07$4.50$0.35$5.37$1.67$(0.44$)0.08$4.67$5.14$4.07$1.90$6.73$5.17$5.39$0.38$3.61$3.64$0.52$1.03$1.84$1.18$0.62$0.23$3.18$0.26$0.43$1.14$7.94$(0.93$)(0.28$)2.88$0.69$0.49$
Average Shares, Basic22,704,66023,006,45423,657,14524,221,69724,675,07524,946,08525,281,74325,776,84525,883,03426,346,69327,078,04828,024,54128,589,22628,868,13629,212,30130,238,62131,294,70131,320,89331,520,50532,782,28533,797,97833,794,15435,114,05336,613,69934,043,02138,903,26639,429,59539,335,05435,819,01029,099,47229,061,18028,970,33483,331,4999,349,9899,345,2778,938,33976,741,6958,512,0438,496,3578,218,0577,508,3426,938,5646,541,3546,178,0806,136,0136,128,1696,114,7126,074,210
Average Shares, Diluted22,893,99823,140,12423,776,02324,280,37124,714,50024,979,81825,311,14425,801,53825,999,00026,447,03227,169,56928,086,82328,575,83528,868,13629,224,36230,260,65531,341,22431,338,94731,535,02232,790,89533,720,89433,815,65135,135,55036,647,78933,992,77938,977,69039,496,83239,406,50735,874,56129,218,98029,180,13629,138,52383,821,2689,410,3099,399,9519,001,4008,514,6788,569,2188,557,5338,284,2557,325,8067,012,6246,601,4146,239,3566,202,3246,205,3706,214,9946,170,948
EBIT49,856,000$48,434,000$97,085,000$39,277,000$41,318,000$54,267,000$95,553,000$48,715,000$25,671,000$38,846,000$65,858,000$35,544,000$20,579,000$32,209,000$55,285,000$77,102,000$19,209,000$46,301,000$62,861,000$34,937,000$19,894,000$22,120,000$70,891,000$35,903,000$36,543,000$43,842,000$49,747,000$29,333,000$13,469,000$12,961,000$43,950,000$15,015,000$5,180,000$16,222,000$44,293,000$4,328,000$9,186,000$10,845,000$18,567,000$4,315,000$5,144,000$5,505,000$6,716,000$4,445,000$4,337,000$5,910,000$5,083,000$5,688,000$
EBITDA49,856,000$48,434,000$97,085,000$39,277,000$41,318,000$54,267,000$95,553,000$48,715,000$25,671,000$38,846,000$65,858,000$35,544,000$20,579,000$32,209,000$55,285,000$77,102,000$19,209,000$46,301,000$62,861,000$34,937,000$19,894,000$22,120,000$70,891,000$35,903,000$36,543,000$43,842,000$49,747,000$29,333,000$13,469,000$12,961,000$43,950,000$15,015,000$5,180,000$16,222,000$44,293,000$4,328,000$9,186,000$10,845,000$18,567,000$4,315,000$5,144,000$5,505,000$6,716,000$4,445,000$4,337,000$5,910,000$5,083,000$5,688,000$