Pathward Financial, Inc. (CASH) Consumer — Operating lease equipment depreciation

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Other segment segments

Commercial

$10.86M+4.0%

Corporate Services/Other

$0—

Similar metrics at other companies

FCNCARail — Depreciation on operating lease equipment

$58M+3.6%

FCNCACommercial Bank — Depreciation on operating lease equipment

$43M-2.3%

FCNCAGeneral Bank — Depreciation on operating lease equipment

$0—

FFord Credit — Operating lease depreciation expense

$630.5M+1.6%

ALLYInsurance operations — Net depreciation expense on operating lease assets

$0—

ALLYCorporate Finance operations — Net depreciation expense on operating lease assets

$0—

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+10.0%

Enterprise value$1.94B+20.5%

P/E10.6×+1.2×

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 us-gaap:OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease.

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 / 2026	Consumer / 2025	Commercial / 2026	Commercial / 2025	Corporate Services/Other / 2026	Corporate Services/Other / 2025	Total / 2026	Total / 2025
Noninterest expense
Compensation and benefits	7,075	7,183	10,192	11,090	35,094	30,286	52,361	48,559
Building and software	2,930	2,414	2,428	2,350	7,696	5,869	13,054	10,633
Operating lease equipment depreciation	—	—	7,545	11,569	—	—	7,545	11,569
Rate related card expenses	23,253	25,145	—	—	—	—	23,253	25,145
Other card expenses	7,440	11,042	—	—	(22)	10	7,418	11,052
Tax product expenses	2,848	2,744	—	—	—	—	2,848	2,744
Loan expenses	4	3	6,673	3,788	—	—	6,677	3,791

Item 1. Financial Statements.

FAQ

What is Pathward Financial, Inc.'s consumer — operating lease equipment depreciation?: Pathward Financial, Inc. (CASH) reported consumer — operating lease equipment depreciation of $0 in Q2 2026.
What does consumer — operating lease equipment depreciation mean?: This captures the periodic expense allocated to the wear and tear or obsolescence of equipment leased to customers or used in consumer operations. It is a key indicator of asset-heavy operational costs within the segment.