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Pathward Financial

(NASDAQ) CASH

Current Price$89.64
Market Cap$1.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+5,333%
5 Year+89%
1 Year+9%
1 Month+11%
Pathward Financial last closing stock price
MetricPriceDate
Last closeUSD 89.762026-07-17
Pathward Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.52%USD 90.232026-07-10
1 month+10.81%USD 81.002026-06-17
3 month-9.6%USD 99.292026-04-17
Year to date+26.57%USD 70.922025-12-31
1 year+8.95%USD 82.382025-07-17
3 year+65.29%USD 54.302023-07-18
5 year+88.59%USD 47.592021-07-16
Since inception+5,332.81%USD 1.651993-09-21

Pathward Financial Financials at a Glance

Market Cap

$1.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$770.49M

Net Income (TTM)

$188.91M

EPS (TTM)

$8.43

P/E Ratio

10.65

Dividend

$0.20

Beta (Volatility)

1.00 (Average)

Price

$89.64

Volume

8,789

Open

$92.71

Previous Close

$89.64

Daily Range

$89.46 - $92.71

52-Week Range

$65.87 - $101.26

Estimated Earnings Date

Jul 22, 2026

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About Pathward Financial

Pathward helps people get money and bank accounts through partners. They make it easy to use tax refunds and cards. Businesses also get loans and equipment from them.

Where Does the Money Come From?

  • Consumer Segment: Offers prepaid cards, tax refund-transfer services, and tax-related credit products; generated $103 million in revenue for the quarter ended December 31, 2025.
  • Commercial Segment: Provides term lending, asset-based loans, and equipment leasing; generated $70.4 million in revenue for the quarter ended December 31, 2025.
  • Corporate Services: Manages warehouse financing and wholesale deposits; reported a revenue loss of $0.3 million for the three months ended December 31, 2025.

Growth and Expansion

  • The company changed its name from Meta Financial Group to Pathward Financial in July 2022.
  • Repurchased 651,804 shares of common stock during the quarter ended December 31, 2025.
  • Increased solar panel and equipment rental assets to $118.1 million by late 2025.
  • Formed Pathward Venture Capital to manage minority equity and corporate investments.

The Bank Behind the Partners

Pathward operates as a banking-as-a-service provider, offering the regulatory and financial infrastructure that allows non-bank partners to issue payment products. It funds its operations using low-cost deposits generated from these card and tax programs rather than expensive market borrowings.

A Quick Look at the Numbers

  • Revenue reached $282.1 million in Q2 2026, up 19.6% from the previous year.
  • Net income was $72.8 million in Q2 2026, down 2.8% year-over-year.
  • Operating cash flow hit $108.3 million for the quarter ended December 31, 2025.
  • Total assets grew to $7.56 billion as of December 31, 2025, up from $7.17 billion in September 2025.

Bottom Line

Pathward has transitioned into a specialized banking provider focused on the payments and commercial lending industries. It maintains market relevance by connecting traditional financial services with digital partners and niche business borrowers.

AI Generated • Apr 27, 2026

Industry

Banks

Sector

Financials

Employees

1,181

CEO

Brett L. Pharr, MBA

Website

www.pathwardfinancial.com

Headquarters

Sioux Falls, SD 57108, US

CASH Financials

Key Financial Metrics (TTM)

Gross Margin

91.94%

Operating Margin

29.26%

Net Income Margin

24.52%

Return on Equity

22.34%

Return on Capital

24.77%

Return on Assets

2.66%

Earnings Yield

9.39%

Dividend Yield

0.22%

Payout Ratio

2.38%

Stock Overview

Market Cap

$1.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

21.11M

Volume

8.79K

Avg. Volume

217.73K

Financials (TTM)

Gross Profit

$708.39M

Operating Income

$225.41M

EBITDA

$280.92M

Operating Cash Flow

$675.28M

Capital Expenditure

-$173.16M

Free Cash Flow

$502.12M

Cash & ST Invst.

$157.60M

Total Debt

$59.51M

Pathward Financial Performance Analysis

Pathward Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-09-30USD 556,003,000-0.1%
20232023-09-30USD 705,334,00026.9%
20242024-09-30USD 818,645,00016.1%
20252025-09-30USD 836,448,0002.2%
Pathward Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-06-30-33.0%
Q42025-09-30-1.7%
Q12025-12-3112.6%
Q22026-03-3161.2%
Pathward Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-09-30USD 5.2620.2%
20232023-09-30USD 5.9913.8%
20242024-09-30USD 7.2020.3%
20252025-09-30USD 7.879.3%
Pathward Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-06-30-42.4%
Q42025-09-30-6.6%
Q12025-12-31-7.1%
Q22026-03-31113.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$282.06M

+19.6%

Gross Profit

$230.69M

+18.4%

Gross Margin

81.79%

N/A

Market Cap

$1.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.64M

N/A

Employees

1,155

N/A

Net Income

$72.84M

-2.8%

EBITDA

$99.95M

-6.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$157.60M

-87.7%

Total Debt

$59.51M

+78.1%

Accounts Receivable

$36.13M

-79.0%

Inventory

$0.00

N/A

Long Term Debt

$33.51M

+0.3%

Short Term Debt

$26.00M

N/A

Return on Assets

2.66%

N/A

Return on Invested Capital

3.18%

N/A

Free Cash Flow

$230.64M

+53.3%

Operating Cash Flow

$232.95M

+23.7%

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Questions About CASH

What is the current price of Pathward Financial?

Pathward Financial is trading at $89.64 per share.

What is the 52-week range for Pathward Financial?

Over the past 52 weeks, Pathward Financial has traded between $65.87 and $101.26.

How much debt does Pathward Financial have?

As of the most recent reporting period, Pathward Financial reported total debt of $82.70M.

How much cash does Pathward Financial have on hand?

Pathward Financial does not have cash on hand data available.

What is Pathward Financial’s dividend yield?

Pathward Financial currently has a dividend yield of 0.22%.

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