How has Pathward Financial, Inc.'s consumer — building and software changed year-over-year?

Pathward Financial, Inc.'s consumer — building and software increased by 23.2% year-over-year, from $2.4M to $2.96M.

What does consumer — building and software mean?

This represents the overhead costs associated with physical facilities and technology infrastructure dedicated to the consumer segment. It reflects the operational investment in the digital and physical platforms necessary to deliver consumer banking services.

Pathward Financial, Inc. CASH Consumer — Building and software

Other segment segments

Corporate Services/Other

$6.9M+24.3%

Commercial

$2.35M-19.7%

Similar metrics at other companies

AUBConsumer Banking — Communications And Information Technology

$274K+53.1%

RFConsumer Bank — Equipment and software expense

$24M-4.0%

AUBConsumer Banking — Noninterest Expense

$105M+55.4%

WBSConsumer Banking — Technology and equipment

$2.85M-6.6%

VLYConsumer Banking — Non-interest expense

$65.61M+4.5%

VLYConsumer Banking — Technology, furniture and equipment expense

$6.79M+8.9%

Other financials

Income statement

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Revenue$276.3M+0.5%

Net income$72.9M-2.7%

EPS (diluted)$3.35+6.7%

Balance sheet

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Cash & equivalents$157.6M-38.0%

Total debt$82.7M+41.0%

Total equity$851.5M+4.5%

Total assets$7.1B+1.7%

Cash flow

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Operating cash flow$232.9M+23.7%

CapEx$2.3M-35.6%

Free cash flow$230.6M+24.8%

Valuation

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Market cap$1.79B+11.6%

Enterprise value$1.72B+20.9%

P/E9.5×+0.7×

P/S2.2×+0.2×

Profitability

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Net margin22.7%+0.5pp

FCF margin79.7%+36.0pp

Returns & leverage

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Return on equity22.7%-1.2pp

Debt / equity0.1×0.0×

Where this comes from

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

Tagged under the XBRL concept us-gaap:OccupancyNet.

The official record: Pathward Financial, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathward Financial, Inc.'s consumer — building and software?: Pathward Financial, Inc. (CASH) reported consumer — building and software of $2.96M in Q1 2026.
How has Pathward Financial, Inc.'s consumer — building and software changed year-over-year?: Pathward Financial, Inc.'s consumer — building and software increased by 23.2% year-over-year, from $2.4M to $2.96M.
What does consumer — building and software mean?: This represents the overhead costs associated with physical facilities and technology infrastructure dedicated to the consumer segment. It reflects the operational investment in the digital and physical platforms necessary to deliver consumer banking services.