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Pathward Financial, Inc. CASH Consumer — Loan expenses

Other segment segments

Commercial
$5.54M+82.6%
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 consumer — loan expenses?
Pathward Financial, Inc. (CASH) reported consumer — loan expenses of $4K in Q2 2026.
How has Pathward Financial, Inc.'s consumer — loan expenses changed year-over-year?
Pathward Financial, Inc.'s consumer — loan expenses increased by 33.3% year-over-year, from $3K to $4K.
What is the long-term trend for Pathward Financial, Inc.'s consumer — loan expenses?
Over 2 years (2023 to 2025), Pathward Financial, Inc.'s consumer — loan expenses has grown at a 92.0% compound annual growth rate (CAGR), from $306K to $1.13M.
What does consumer — loan expenses mean?
This metric tracks the direct costs associated with originating, servicing, and managing the consumer loan portfolio. It provides visibility into the variable costs required to maintain and expand the consumer lending book.

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