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Pathward Financial, Inc. CASH Allowance For Loan Losses

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Other financials

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

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Market cap$1.86B+6.5%
Enterprise value$1.94B+16.8%
P/E10.6×+0.9×
P/S2.3×+0.2×

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×

Where this comes from

Reported directly by Pathward Financial, Inc. in its filing.

Tagged under the XBRL concept cash:AllowanceForLoanLosses.

The source filing: Pathward Financial, Inc.’s 10-K, filed November 25, 2025.

Filed
Nov 25, 2025
Fiscal year
FY2025
Accession
0000907471-25-000116
(Dollars in thousands)Standardized Approach(1) / September 30, 2025Standardized Approach(1) / September 30, 2024
Common Equity Tier 1(1)694,055648,623
Long-term borrowings and other instruments qualifying as Tier 113,66113,661
Tier 1 minority interest not included in common equity Tier 1 capital(307)(150)
Total Tier 1 capital707,409662,134
Allowance for credit losses52,45566,140
Subordinated debentures, net of issuance costs19,79619,693
Total capital$779,660$747,967
(1) Capital ratios were determined using the Basel III capital rules that became effective on January 1, 2015. Basel III revised the definition of capital, increased minimum capital ratios, and introduced a minimum common equity tier 1 capital ratio; those changes were fully phased in through the end of 2021.

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Pathward Financial, Inc.'s allowance for loan losses?
Pathward Financial, Inc. (CASH) reported allowance for loan losses of $52.46M in Q3 2025.
How has Pathward Financial, Inc.'s allowance for loan losses changed year-over-year?
Pathward Financial, Inc.'s allowance for loan losses decreased by 20.7% year-over-year, from $66.14M to $52.46M.
What is the long-term trend for Pathward Financial, Inc.'s allowance for loan losses?
Over 4 years (2021 to 2025), Pathward Financial, Inc.'s allowance for loan losses has grown at a -0.3% compound annual growth rate (CAGR), from $53.16M to $52.46M.
What does allowance for loan losses mean?
Allowance For Loan Losses as reported by Pathward Financial, Inc. Common Stock.

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