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Reported July 22, 2026 · After market close

Revenue$189.6MMiss by $1.5M
EPS$1.37Miss by $0.58
Revenue estimate$191.2M
EPS estimate$1.95
We saw changes in our credit performance this quarter primarily as a result of a few larger loans, one of which we began discussing last year. While this is certainly a disappointing outcome, credit events can and do occur in the world of lending. It's unfortunate that these events occurred within an otherwise solid performing quarter and year thus far. During the quarter, we delivered higher interest income from commercial finance loans, higher noninterest income, and disciplined expense management that prioritized the execution of our strategy with an emphasis on people, processes and technology. We remain focused on supporting our partners and advancing our long-term strategy of being the trusted platform that enables our partners to thrive.
Brett Pharr

Next report

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

Financials

Q3 2026

Income statement

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Revenue$189.6M-3.1%
Net income$29.0M-31.3%
EPS (diluted)$1.37-24.3%

Balance sheet

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Cash & equivalents$149.4M-42.2%
Total debt$223.8M+29.4%
Total equity$850.9M+3.9%
Total assets$7.3B+1.2%

Cash flow

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Operating cash flow$52.0M+71.1%
CapEx$3.4M+26.5%
Free cash flow$48.6M+75.4%

Valuation & ratios

Valuation

as of 09/16/26
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Market cap$1.65B-2.9%
Enterprise value$1.72B+6.8%
P/E9.4×0.0×
P/S0.0×

Profitability

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Net margin21.3%-0.4pp
FCF margin82.8%+49.5pp

Returns & leverage

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Return on equity21.1%-2.0pp
Debt / equity0.3×+0.1×

Segments

By product

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Card and deposit fees$34.6M-7.4%
Refund transfer product fees$11.2M+13.8%
Rental income$9.6M-25.6%
Refund advance and other tax fee income$696.0K+127%

By segment

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Consumer$110.7M-5.9%
Commercial$78.4M+6.6%
Corporate Services/Other$503.0K-88.9%

FAQ

When did Pathward Financial, Inc. report Q3 2026 earnings?
Pathward Financial, Inc. (CASH) reported Q3 2026 earnings on July 22, 2026 after market close.
What were Pathward Financial, Inc.'s Q3 2026 revenue and EPS?
Pathward Financial, Inc. reported revenue of $189.6M and eps of $1.37 for Q3 2026.
Did Pathward Financial, Inc. beat estimates in Q3 2026?
Revenue missed the consensus estimate of $191.2M by $1.5M. EPS missed the consensus estimate of $1.95 by $0.58.
How did Pathward Financial, Inc.'s Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 20.0% from $158.1M a year earlier and eps declined 24.7% from $1.82.
Where can I find Pathward Financial, Inc.'s Q3 2026 SEC filings?
You can read the 8-K earnings release (0000907471-26-000032) and the 10-Q periodic report (0000907471-26-000034) directly on SEC EDGAR. The filing index links above go to sec.gov.