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Pathward Financial, Inc. CASH Q3 2025 Annual earnings

Reported September 16, 2025

Revenue$158.1M
EPS$1.82

Next report

Oct 20, 2026 (in a month)
Revenue estimate$179.1M
EPS estimate$1.63

Financials

Q3 2025

Income statement

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Revenue$195.8M+3.8%
Net income$42.1M-6.1%
EPS (diluted)$1.81+1.7%

Balance sheet

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Cash & equivalents$258.3M-13.6%
Total debt$172.9M+187%
Total equity$819.0M+9.4%
Total assets$7.2B-3.8%

Cash flow

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Operating cash flow$30.4M-73.2%
CapEx$2.7M+21.9%
Free cash flow$27.7M-75.1%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$1.8B+25.8%
Enterprise value$1.71B+43.8%
P/E10×+1.8×
P/S2.2×+0.3×

Profitability

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Net margin21.7%-0.5pp
FCF margin33.3%-24.7pp

Returns & leverage

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Return on equity23%-1.9pp
Debt / equity0.2×+0.1×

Segments

By product

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Card and deposit fees$37.3M+11.8%
Rental income$12.9M-6.3%
Refund transfer product fees$9.8M+8.1%
Refund advance and other tax fee income$307.0K+558%

By segment

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Consumer$117.7M+3.6%
Commercial$73.5M—
Corporate Services/Other$4.5M+10.8%

FAQ

When did Pathward Financial, Inc. report Q3 2025 earnings?
Pathward Financial, Inc. (CASH) reported Q3 2025 earnings on September 16, 2025.
What were Pathward Financial, Inc.'s Q3 2025 revenue and EPS?
Pathward Financial, Inc. reported revenue of $158.1M and eps of $1.82 for Q3 2025.
How did Pathward Financial, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 1.9% from $155.2M a year earlier and eps grew 9.6% from $1.66.
Where can I find Pathward Financial, Inc.'s Q3 2025 SEC filings?
You can read the 10-K/A periodic report (0000907471-25-000083) directly on SEC EDGAR. The filing index links above go to sec.gov.