Pathward Financial, Inc. (CASH) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI

Pathward Financial, Inc. (CASH) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI | MarketCI

CASH

Market Closed

Pathward Financial, Inc.

NASDAQFinancial Services Banks - Regional

1.16K employees

CEO: Brett L. Pharr

Founded: 1993

$85.90

+$0.00(+NaN%)

Market Cap

1.81B

Beta

0.61

52W Range

N/A

Dividend Yield

0.23%

Overview Forecasts Fundamental Market Sentiment Valuation Ownership

Financial Statements

Comprehensive breakdown of financial statements and performance metrics

Gross Margin

90.0%

4.6%

CAGR: 7.7%

Profit after direct costs

Operating Margin

32.6%

2.0%

CAGR: 9.3%

Core business profitability

Net Margin

27.1%

1.4%

CAGR: 7.0%

Bottom line profitability

Revenue Growth

2.4%

YoY

CAGR: 7.4%

Top line growth rate

Revenue Flow Analysis

Visual flow showing how CASH allocates revenue across expenses and profit

Fiscal Year 2025

Revenue Distribution

Flow of revenue through cost categories to net income

Gross Margin

90.0%

$616.86M

Operating Margin

32.6%

$223.05M

Net Margin

27.1%

$185.87M

Detailed Income Statement

Complete profit and loss breakdown with margin analysis and historical comparison

Item	2021	2022	2023	2024	2025	YoY Change
Total Revenue	515.13M	523.39M	611.47M	668.90M	685.23M	2.4%
Cost of Revenue	(56.63M)	(61.66M)	(120.12M)	(79.33M)	(68.37M)	-13.8%
Gross Profit	458.50M	461.73M	491.35M	589.57M	616.86M	4.6%
Operating Expenses
Research & Development	—	—	—	—	—	—
Selling, General & Administrative	(151.09M)	(171.13M)	(184.32M)	(201.47M)	(200.50M)	-0.5%
General & Administrative	(151.09M)	(171.13M)	(184.32M)	(201.47M)	(200.50M)	-0.5%
Depreciation & Amortization	(59.05M)	(61.60M)	(64.95M)	(57.77M)	(59.73M)	3.4%
Operating Income (EBIT)	156.45M	180.30M	155.04M	218.62M	223.05M	2.0%
Non-Operating Items
Interest Income	285.85M	329.44M	398.74M	476.35M	523.39M	9.9%
Interest Expense	(6.86M)	(4.87M)	(10.87M)	(21.23M)	(11.60M)	-45.4%
Other Income/Expenses (Net)	—	—	—	—	—	—
Income Before Tax	156.45M	180.30M	155.04M	218.62M	223.05M	2.0%
Income Tax Expense	(10.70M)	(26.20M)	(9.59M)	(34.11M)	(36.27M)	6.3%
Net Income	141.71M	151.13M	143.27M	183.22M	185.87M	1.4%
Per Share Metrics
Earnings Per Share (Basic)	$4	$5	$6	$7	$8	9.7%
Weighted Avg Shares Outstanding	31.73M	29.23M	26.83M	25.17M	23.40M	-7.0%
Weighted Avg Shares Outstanding (Diluted)	31.75M	29.23M	26.93M	25.20M	23.52M	-6.7%
EBITDA	215.49M	241.90M	220.00M	276.38M	282.78M	2.3%

Explore CASH

Overview

Key metrics and AI-powered insights

Forecast

Price targets and earnings estimates

Fundamentals

Income, balance sheet and cash flow

Valuation

P/E, DCF and valuation multiples

Ownership

Institutional and insider holdings

Sentiment

Analyst ratings and news sentiment

CASH in the Financial Services

Small Cap

Financial Services

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Banks - Regional

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