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Pathward Financial, Inc. CASH Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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$170.34M+2.6%

Segments

By segment

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Consumer$68.28M-2.5%
Commercial$43.63M-2.2%
Corporate Services/Other-$1.2M-139%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Nine Months Ended June 30, 2026Nine Months Ended June 30, 2025
1,1201,2798,75610,110
Net interest income112,913122,313357,375383,842
Provision for credit loss28,3099,27877,15563,205
Net interest income after provision for credit loss84,604113,035280,220320,637
Noninterest income:
Refund transfer product fees11,2099,84646,35342,919
Refund advance and other tax fee income69630758,34149,416
Card and deposit fees34,57037,342102,23697,201

Item 1. Financial Statements.

FAQ

What is Pathward Financial, Inc.'s net interest income (after provisions)?
Pathward Financial, Inc. (CASH) reported net interest income (after provisions) of $84.6M in Q2 2026.
How has Pathward Financial, Inc.'s net interest income (after provisions) changed year-over-year?
Pathward Financial, Inc.'s net interest income (after provisions) decreased by 25.2% year-over-year, from $113.04M to $84.6M.
What is the long-term trend for Pathward Financial, Inc.'s net interest income (after provisions)?
Over 4 years (2021 to 2025), Pathward Financial, Inc.'s net interest income (after provisions) has grown at a 18.7% compound annual growth rate (CAGR), from $229.23M to $455.02M.
What does net interest income (after provisions) mean?
This metric represents net interest income adjusted for the provision for credit losses, which is the expense set aside to cover potential future loan defaults. It provides a more accurate view of the bank's net earnings potential after accounting for the inherent risk in its loan portfolio. A stable or growing figure indicates effective credit risk management alongside core revenue generation.

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