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Pathward Financial, Inc. CASH Commercial — Loan expenses

Other segment segments

Consumer
$4K+33.3%
Corporate Services/Other
$0

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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$1.8B+6.5%
Enterprise value$1.88B+16.8%
P/E10.3×+0.9×
P/S2.2×+0.1×

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 us-gaap:LoanProcessingFee.

The source filing: Pathward Financial, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:16 PM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q2 2026
Accession
0000907471-26-000034
(Dollars in thousands) / Three Months Ended June 30,Consumer / 2026Consumer / 2025Commercial / 2026Commercial / 2025Corporate Services/Other / 2026Corporate Services/Other / 2025Total / 2026Total / 2025
Rate related card expenses23,25325,14523,25325,145
Other card expenses7,44011,042(22)107,41811,052
Tax product expenses2,8482,7442,8482,744
Loan expenses436,6733,7886,6773,791
Legal and consulting5876571,2389934,2979,4446,12211,094
SG & A intercompany allocations18,20417,8308,7037,085(26,907)(24,915)
Consumer lending program expenses1054,9981054,998
Other expenses3,6022,7761,2072,4474,9294,5149,7389,737

Item 1. Financial Statements.

FAQ

What is Pathward Financial, Inc.'s commercial — loan expenses?
Pathward Financial, Inc. (CASH) reported commercial — loan expenses of $6.67M in Q2 2026.
How has Pathward Financial, Inc.'s commercial — loan expenses changed year-over-year?
Pathward Financial, Inc.'s commercial — loan expenses increased by 76.2% year-over-year, from $3.79M to $6.67M.
What is the long-term trend for Pathward Financial, Inc.'s commercial — loan expenses?
Over 2 years (2023 to 2025), Pathward Financial, Inc.'s commercial — loan expenses has grown at a 17.9% compound annual growth rate (CAGR), from $11.59M to $16.1M.
What does commercial — loan expenses mean?
These are the direct costs incurred in the origination, underwriting, and servicing of commercial loans, excluding credit loss provisions. It includes third-party fees, legal documentation costs, and administrative expenses related to loan processing. Monitoring this helps assess the efficiency of the segment's loan production and management lifecycle.

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