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Pathward Financial, Inc. CASH Q4 2024 Annual earnings

Reported October 23, 2024 · After market close

Revenue$137.7MMiss by $29.5M
EPS$1.35Beat by $0.07
Revenue estimate$167.2M
EPS estimate$1.28

Next report

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

Financials

Q4 2024

Income statement

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Revenue$179.5M+5.5%
Net income$33.5M+32.7%
EPS (diluted)$1.34+39.6%

Balance sheet

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Cash & equivalents$158.3M-57.8%
Total debt$436.4M+477%
Total equity$822.5M+32.8%
Total assets$7.5B+0.4%

Cash flow

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Operating cash flow$143.1M+18.6%
CapEx$4.4M+19.4%
Free cash flow$138.8M+18.6%

Valuation & ratios

Valuation

as of 09/30/24
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Market cap$1.65B+38.0%
Enterprise value$1.92B+116%
P/E9×+0.7×
P/S2.1×+0.4×

Profitability

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Net margin23%+3.3pp
FCF margin60%+16.1pp

Returns & leverage

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Return on equity25.4%+2.5pp
Debt / equity0.5×+0.4×

Segments

By segment

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Consumer$104.5M+13.0%
Commercial$71.4M-6.2%
Corporate Services/Other$3.7M-76.6%

By product

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Card and deposit fees$26.4M-15.3%
Rental income$13.2M-9.4%
Refund advance and other tax fee income$229.0K+191%

FAQ

When did Pathward Financial, Inc. report Q4 2024 earnings?
Pathward Financial, Inc. (CASH) reported Q4 2024 earnings on October 23, 2024 after market close.
What were Pathward Financial, Inc.'s Q4 2024 revenue and EPS?
Pathward Financial, Inc. reported revenue of $137.7M and eps of $1.35 for Q4 2024.
Did Pathward Financial, Inc. beat estimates in Q4 2024?
Revenue missed the consensus estimate of $167.2M by $29.5M. EPS beat the consensus estimate of $1.28 by $0.07.
Where can I find Pathward Financial, Inc.'s Q4 2024 SEC filings?
You can read the 8-K earnings release (0000907471-24-000122) and the 10-K periodic report (0000907471-24-000159) directly on SEC EDGAR. The filing index links above go to sec.gov.