PATHWARD FINANCIAL, INC. financials

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CASH CIK 0000907471

Source: EDGAR filings · Built 2026-06-02T02:34:32Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 438.94M 478.66M 319.29M 281.80M 568.65M 453.22M
Net Debt -54.11M 244.66M -299.91M -319.91M -184.59M -301.94M
Net Margin 22.13% 22.98% 19.69% 25.14% 25.77% 20.99%
Return on Equity (ROE) 21.66% 22.28% 23.13% 23.87% 16.27% 12.41%
Return on Assets (ROA) 2.59% 2.43% 1.91% 2.24% 2.12% 1.72%
Debt-to-Equity 0.08× 0.49× 0.12× 0.11× 0.15× 0.15×
Effective Tax Rate 16.26% 15.60% 6.18% 14.53% 6.84% 4.92%
Cash Conversion Ratio 2.42× 2.67× 2.29× 1.92× 4.10× 4.46×
Accruals Ratio -0.04× -0.04× -0.02× -0.02× -0.07× -0.06×
SBC % of Revenue 1.13% 1.29% 1.52% 1.66% 1.25% 2.05%
CapEx Coverage 38.59× 48.20× 38.03× 35.15× 44.77× 33.37×
Free Cash Flow Per Share $18.66 $18.99 $11.86 $9.64 $17.91 $13.01

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 9.40× 9.17× 8.80× 6.48× 11.98× 6.54×
P/FCF 3.97× 3.48× 3.89× 3.42× 2.93× 1.48×
FCF Yield 25.21% 28.77% 25.73% 29.25% 34.13% 67.70%
P/S 1.97× 2.00× 0.00× 1.56× 2.92× 1.32×
P/B 1.93× 1.94× 0.00× 1.48× 1.84× 0.78×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenues 839.89M 797.41M 727.67M 601.13M 549.89M 498.83M
Selling, General and Administrative Expense 0 0 0 — — —
Income Tax Expense (Benefit) 36.27M 34.11M 9.59M 26.20M 10.70M 5.66M
Net Income (Loss) Attributable to Parent 185.87M 183.22M 143.27M 151.13M 141.71M 104.72M
Earnings Per Share, Basic $7.91 $7.21 $5.26 $5.09 $4.38 $2.94
Weighted Average Number of Shares Outstanding, Basic 23.40M 25.17M 26.83M 29.23M 31.73M 34.83M
Earnings Per Share, Diluted $7.87 $7.20 $5.24 $5.09 $4.38 $2.94
Weighted Average Number of Shares Outstanding, Diluted 23.52M 25.20M 26.93M 29.23M 31.75M 34.83M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 120.57M 158.34M 375.58M 388.04M 314.02M 427.37M
Assets 7.17B 7.53B 7.50B 6.74B 6.69B 6.09B
Long-term Debt 33.46M 33.35M 33.87M 36.03M 92.83M 98.22M
Liabilities 6.31B 6.71B 6.89B 6.10B 5.82B 5.24B
Stockholders' Equity Attributable to Parent 858.04M 822.47M 619.35M 633.24M 870.73M 843.71M
Common Stock, Shares, Outstanding — — 0 — — 34.36M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 450.62M 488.81M 327.91M 290.05M 581.64M 467.22M
Payments to Acquire Property, Plant, and Equipment 11.68M 10.14M 8.62M 8.18M 12.96M 12.27M
Net Cash Provided by (Used in) Investing Activities 25.84M -262.93M -945.56M -332.11M -1.12B -206.32M
Net Cash Provided by (Used in) Financing Activities -513.03M -443.20M 604.86M 117.82M 422.93M 40.02M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (CASH CIK 0000907471), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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