What does consumer — provision for credit loss mean?

This represents the periodic expense set aside to cover anticipated losses from the consumer loan portfolio. It reflects management's assessment of credit risk and the potential for borrower defaults within the consumer segment.

Pathward Financial, Inc. (CASH) Consumer — Provision for credit loss

Screener

Other segment segments

Commercial

$5.35M—

Corporate Services/Other

$43K+105%

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$150M+31.6%

BOKFConsumer Banking — Provision for Credit Losses

$1.51M-0.6%

RFConsumer Bank — Provision for Credit Losses

$51M-12.1%

Other financials

Income statement

See full

Revenue$189.6M-3.1%

Net income$29.0M-31.3%

EPS (diluted)$1.37-24.3%

Balance sheet

See full

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

See full

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

See full

Net margin21.3%-0.4pp

FCF margin82.8%+49.5pp

Returns & leverage

See full

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:ProvisionForLoanLossesExpensed.

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
Interest and dividend income	$62,531	$69,620	$82,793	$76,738	$(31,291)	$(22,766)	$114,033	$123,592
Interest expense	655	1,671	30,602	25,497	(30,137)	(25,889)	1,120	1,279
Net interest income (expense)	61,876	67,949	52,191	51,241	(1,154)	3,123	112,913	122,313
Provision for (reversal of) credit loss	(6,407)	(2,114)	34,673	11,371	43	21	28,309	9,278
Net interest income after provision for (reversal of) credit loss	68,283	70,063	17,518	39,870	(1,197)	3,102	84,604	113,035
Noninterest income	48,860	49,748	26,214	22,302	1,657	1,392	76,731	73,442
Noninterest expense
Compensation and benefits	7,075	7,183	10,192	11,090	35,094	30,286	52,361	48,559

Item 1. Financial Statements.

FAQ

What is Pathward Financial, Inc.'s consumer — provision for credit loss?: Pathward Financial, Inc. (CASH) reported consumer — provision for credit loss of -$6.41M in Q2 2026.
How has Pathward Financial, Inc.'s consumer — provision for credit loss changed year-over-year?: Pathward Financial, Inc.'s consumer — provision for credit loss decreased by 203.1% year-over-year, from -$2.11M to -$6.41M.
What does consumer — provision for credit loss mean?: This represents the periodic expense set aside to cover anticipated losses from the consumer loan portfolio. It reflects management's assessment of credit risk and the potential for borrower defaults within the consumer segment.