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Pathward Financial (CASH) Financials

Pathward Financial logo
$77.28 -0.31 (-0.40%)
Closing price 05/23/2025 04:00 PM Eastern
Extended Trading
$77.28 0.00 (-0.01%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for Pathward Financial

Annual Income Statements for Pathward Financial

This table shows Pathward Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 9/30/2024 9/30/2023 9/30/2022 9/30/2021 9/30/2020 9/30/2019 9/30/2018 9/30/2017 9/30/2016 9/30/2015 9/30/2014
Net Income / (Loss) Attributable to Common Shareholders		 168 164 156 142 105 97 52 45 33 18 16
Consolidated Net Income / (Loss)		 170 166 159 146 109 101 52 45 33 18 16
Net Income / (Loss) Continuing Operations		 170 166 159 146 109 101 52 45 33 18 16
Total Pre-Tax Income 		199 182 187 156 115 98 57 55 39 19 19
Total Revenue		 755 704 601 550 499 487 315 265 178 117 98
Net Interest Income / (Expense)		 455 388 307 279 259 264 131 93 77 59 46
Total Interest Income		 476 399 312 286 293 326 159 108 81 62 49
Loans and Leases Interest Income		 396 324 268 256 261 275 98 52 36 30 20
Investment Securities Interest Income		 39 41 27 12 9.03 11 15 17 16 14 15
Other Interest Income		 41 34 17 18 23 40 45 39 29 18 14
Total Interest Expense		 21 11 4.87 6.86 34 62 28 15 4.09 2.39 2.40
Deposits Interest Expense		 13 4.36 0.50 1.59 23 47 15 6.05 0.61 0.73 0.97
Long-Term Debt Interest Expense		 8.21 6.52 4.37 5.27 11 15 13 8.82 3.48 1.66 1.43
Total Non-Interest Income		 300 317 294 271 240 223 185 172 101 58 52
Other Service Charges		 23 22 17 26 15 9.98 8.33 0.26 0.01 57 51
Net Realized & Unrealized Capital Gains on Investments		 13 13 44 12 24 7.83 0.56 -0.01 -0.33 -1.61 0.01
Other Non-Interest Income		 264 282 233 233 201 205 176 172 101 2.35 1.14
Provision for Credit Losses		 43 57 29 50 65 56 29 11 4.61 1.47 1.15
Total Non-Interest Expense		 513 465 385 344 319 333 228 200 135 97 78
Salaries and Employee Benefits		 201 184 171 151 144 163 121 101 70 46 38
Net Occupancy & Equipment Expense		 37 35 35 29 27 28 20 18 15 13 10
Property & Liability Insurance Claims		 25 27 41 31 21 17 15 8.38 4.82 4.98 4.15
Other Operating Expenses		 201 165 96 90 79 71 58 58 37 29 25
Depreciation Expense		 42 46 36 31 33 26 5.39 0.00 0.00 - -
Amortization Expense		 4.13 4.97 6.59 8.55 11 18 9.64 12 4.83 - -
Impairment Charge		 3.01 3.27 0.67 2.82 1.98 9.66 0.02 - 0.00 1.35 0.08
Income Tax Expense		 29 16 28 11 5.66 -3.37 5.12 10 5.60 1.37 2.91
Net Income / (Loss) Attributable to Noncontrolling Interest		 1.29 2.19 2.97 4.04 4.62 4.31 0.67 0.00 0.00 - -
Basic Earnings per Share		 $6.63 $6.01 $5.26 $4.38 $2.94 $2.49 $1.68 $1.62 $1.31 $2.68 $2.57
Weighted Average Basic Shares Outstanding		 24.12M 25.99M 28.47M 30.55M 33.45M 37.58M 39.41M 9.30M 8.50M 6.73M 6.11M
Diluted Earnings per Share		 $6.62 $5.99 $5.26 $4.38 $2.94 $2.49 $1.67 $1.61 $1.30 $2.66 $2.53
Weighted Average Diluted Shares Outstanding		 24.12M 25.99M 28.47M 30.55M 33.45M 37.58M 39.41M 9.30M 8.50M 6.73M 6.11M
Weighted Average Basic & Diluted Shares Outstanding		 24.12M 25.99M 28.47M 30.55M 33.45M 37.58M 39.41M 9.30M 8.50M 6.73M 6.11M
Cash Dividends to Common per Share		 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.18 $0.17 $0.17 $0.52 $0.52

Quarterly Income Statements for Pathward Financial

This table shows Pathward Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 31 34 42 65 28 36 45 55 28 23 22
Consolidated Net Income / (Loss)		 32 34 42 66 28 36 46 55 28 24 24
Net Income / (Loss) Continuing Operations		 32 34 42 66 28 36 46 55 28 24 24
Total Pre-Tax Income 		38 37 47 81 34 34 49 65 35 23 31
Total Revenue		 174 168 177 247 163 161 165 228 150 123 126
Net Interest Income / (Expense)		 116 116 111 118 110 105 97 101 84 80 72
Total Interest Income		 119 120 114 127 116 110 99 105 85 80 74
Loans and Leases Interest Income		 103 102 96 103 95 90 81 84 68 65 63
Investment Securities Interest Income		 8.99 9.61 9.75 10.00 10 10 10 10 10 10 7.38
Other Interest Income		 7.52 7.85 8.32 14 11 9.33 7.87 10 6.25 5.11 3.98
Total Interest Expense		 3.11 3.83 3.08 8.46 5.86 4.71 1.88 3.28 1.00 0.46 1.76
Deposits Interest Expense		 0.78 1.12 1.69 6.69 3.53 1.95 0.16 2.10 0.14 0.10 0.09
Long-Term Debt Interest Expense		 2.33 2.71 1.39 1.78 2.34 2.75 1.72 1.19 0.86 0.36 1.66
Total Non-Interest Income		 57 52 66 129 53 56 68 127 66 43 54
Other Service Charges		 51 -170 61 127 5.18 -176 67 128 3.56 -184 53
Net Realized & Unrealized Capital Gains on Investments		 6.10 3.46 4.68 1.70 2.87 2.01 0.82 -0.67 11 -5.20 1.44
Provision for Credit Losses		 12 0.84 5.88 26 9.89 9.04 1.77 37 9.78 -2.65 -1.30
Total Non-Interest Expense		 124 130 124 140 119 118 115 127 105 103 97
Salaries and Employee Benefits		 49 52 48 54 47 46 47 48 43 43 45
Net Occupancy & Equipment Expense		 9.71 9.38 9.07 9.29 8.85 9.27 8.60 8.51 8.31 9.06 9.00
Property & Liability Insurance Claims		 5.23 8.41 5.41 6.14 4.89 7.63 5.09 4.92 9.46 13 12
Other Operating Expenses		 47 49 48 57 47 43 39 50 33 27 19
Depreciation Expense		 11 10 10 10 10 11 11 15 9.63 9.31 9.15
Amortization Expense		 0.81 0.92 0.98 1.24 0.98 1.11 1.17 1.44 1.26 1.40 1.53
Income Tax Expense		 6.29 3.05 5.12 15 5.72 -2.67 3.24 9.18 6.58 -1.27 6.96
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.20 0.58 0.21 0.25 0.26 0.51 0.51 0.60 0.58 0.69 1.45
Basic Earnings per Share		 $1.29 $1.35 $1.66 $2.56 $1.06 $1.35 $1.69 $1.99 $0.98 $0.84 $0.76
Weighted Average Basic Shares Outstanding		 23.85M 24.12M 24.98M 25.27M 25.49M 25.99M 26.23M 26.91M 27.56M 28.47M 29.05M
Diluted Earnings per Share		 $1.29 $1.34 $1.66 $2.56 $1.06 $1.34 $1.68 $1.99 $0.98 $0.84 $0.76
Weighted Average Diluted Shares Outstanding		 23.85M 24.12M 24.98M 25.27M 25.49M 25.99M 26.23M 26.91M 27.56M 28.47M 29.05M
Weighted Average Basic & Diluted Shares Outstanding		 23.85M 24.12M 24.98M 25.27M 25.49M 25.99M 26.23M 26.91M 27.56M 28.47M 29.05M
Cash Dividends to Common per Share		 $0.05 - $0.05 $0.05 $0.05 - $0.05 $0.05 $0.05 - $0.05

Annual Cash Flow Statements for Pathward Financial

This table details how cash moves in and out of Pathward Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 9/30/2024 9/30/2023 9/30/2022 9/30/2021 9/30/2020 9/30/2019 9/30/2018 9/30/2017 9/30/2016 9/30/2015 9/30/2014
Net Change in Cash & Equivalents		 -217 -12 74 -113 301 27 -1,168 494 746 -2.17 -10
Net Cash From Operating Activities		 454 303 269 582 467 191 138 120 78 49 26
Net Cash From Continuing Operating Activities		 454 303 269 582 467 186 138 120 78 49 26
Net Income / (Loss) Continuing Operations		 170 166 159 146 109 101 52 45 33 18 16
Consolidated Net Income / (Loss)		 170 166 159 146 109 101 52 45 33 18 16
Provision For Loan Losses		 43 57 29 50 65 56 29 11 4.61 1.47 1.15
Depreciation Expense		 58 65 62 59 61 55 38 45 36 29 18
Non-Cash Adjustments to Reconcile Net Income		 16 -45 47 286 233 -24 34 19 -0.74 0.65 -1.70
Changes in Operating Assets and Liabilities, net		 167 60 -28 41 -0.42 -2.80 -15 0.34 5.80 0.17 -7.50
Net Cash From Investing Activities		 -228 -921 -311 -1,118 -206 -339 -390 -700 -738 -454 -368
Net Cash From Continuing Investing Activities		 -228 -921 -311 -1,118 -206 -339 -390 -700 -738 -454 -368
Purchase of Property, Leasehold Improvements and Equipment		 -276 -450 -439 -63 -66 -158 -10 -6.80 -6.98 -5.03 -2.33
Purchase of Investment Securities		 -708 -702 -1,196 -1,354 -853 -2,032 -2,262 -2,036 -1,992 -1,709 -1,067
Sale of Property, Leasehold Improvements and Equipment		 0.00 15 0.04 16 17 0.10 0.00 0.06 0.06 2.10 1.18
Sale and/or Maturity of Investments		 619 524 966 479 792 1,850 1,823 1,342 1,260 1,248 700
Other Investing Activities, net		 138 -307 359 -196 -101 1.57 - - - - -
Net Cash From Financing Activities		 -443 605 118 423 40 175 -916 1,074 1,406 403 332
Net Cash From Continuing Financing Activities		 -443 605 118 423 40 175 -916 1,074 1,406 403 332
Net Change in Deposits		 -714 723 351 536 931 -92 87 793 773 291 51
Issuance of Debt		 0.00 0.00 20 0.08 1.63 283 0.00 308 627 70 0.00
Issuance of Common Equity		 0.00 0.00 2.89 3.04 3.22 2.01 1.61 1.19 0.00 0.00 2.41
Repayment of Debt		 363 11 -78 -5.64 -765 -12 -432 -5.85 -1.89 -0.12 0.00
Payment of Dividends		 -5.07 -5.43 -5.92 -10 -12 -12 -6.00 -4.84 -4.39 -3.49 -3.18
Other Financing Activities, Net		 -87 -124 -172 -100 -118 5.46 -566 -18 13 45 281
Effect of Exchange Rate Changes		 0.08 0.33 -1.74 0.48 -0.10 -0.12 0.00 0.00 0.00 - -
Cash Interest Paid		 21 11 5.26 8.21 41 60 33 16 3.49 2.43 2.37
Cash Income Taxes Paid		 20 14 14 8.04 6.22 -2.82 9.15 20 5.98 5.33 4.45

Quarterly Cash Flow Statements for Pathward Financial

This table details how cash moves in and out of Pathward Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022
Net Change in Cash & Equivalents		 439 -141 -49 -324 296 -140 83 63 -19 231 -80
Net Cash From Operating Activities		 -77 135 103 193 22 114 4.82 141 42 -18 -4.33
Net Cash From Continuing Operating Activities		 -77 135 103 193 22 114 4.82 141 42 -18 -4.33
Net Income / (Loss) Continuing Operations		 32 34 42 66 28 36 46 55 28 24 24
Consolidated Net Income / (Loss)		 32 34 42 66 28 36 46 55 28 24 24
Provision For Loan Losses		 12 0.84 5.88 26 9.89 9.04 1.77 37 9.78 -2.65 -1.30
Depreciation Expense		 15 14 14 15 15 15 15 20 15 14 16
Non-Cash Adjustments to Reconcile Net Income		 25 -44 3.31 50 6.65 22 -60 -4.38 -3.22 -56 -33
Changes in Operating Assets and Liabilities, net		 -160 130 38 37 -37 31 2.55 34 -7.17 2.05 -9.85
Net Cash From Investing Activities		 298 -80 -167 63 -44 -300 -490 -177 45 100 122
Net Cash From Continuing Investing Activities		 298 -80 -167 63 -44 -300 -490 -177 45 100 122
Purchase of Property, Leasehold Improvements and Equipment		 -55 -49 -51 -69 -108 -72 -136 -76 -166 -161 -77
Purchase of Investment Securities		 -231 -202 -160 -166 -181 -148 -246 -183 -125 -264 -270
Sale of Property, Leasehold Improvements and Equipment		 5.71 -7.71 2.57 1.85 3.29 5.67 2.51 5.20 1.39 - -
Divestitures		 600 - - - 0.00 - - - - - -
Sale and/or Maturity of Investments		 304 189 150 138 143 179 123 104 118 202 363
Other Investing Activities, net		 -326 -9.59 -109 157 99 -265 -234 -27 218 323 105
Net Cash From Financing Activities		 220 -196 15 -579 317 46 567 98 -107 150 -197
Net Cash From Continuing Financing Activities		 220 -196 15 -579 317 46 567 98 -107 150 -197
Net Change in Deposits		 656 -556 63 -568 347 282 404 114 -77 155 -119
Issuance of Common Equity		 0.00 - - 0.00 0.00 - - - 0.00 - 0.00
Repayment of Debt		 -377 377 -31 31 -13 -217 186 44 -1.08 -0.59 -76
Payment of Dividends		 -1.20 -1.24 -1.26 -1.27 -1.30 -1.31 -1.33 -1.39 -1.40 1.32 -2.57
Other Financing Activities, Net		 -58 -16 -15 -41 -16 -17 -22 -56 -28 -26 -0.11
Effect of Exchange Rate Changes		 -2.02 0.34 -0.30 -0.58 0.62 -0.61 0.50 0.06 0.39 -1.43 -0.52
Cash Interest Paid		 2.91 4.92 3.38 8.44 4.17 5.26 1.28 3.80 0.48 0.48 2.12
Cash Income Taxes Paid		 1.41 5.64 4.30 9.05 0.64 2.80 3.42 7.35 0.49 2.53 1.60

Annual Balance Sheets for Pathward Financial

This table presents Pathward Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 9/30/2024 9/30/2023 9/30/2022 9/30/2021 9/30/2020 9/30/2019 9/30/2018 9/30/2017 9/30/2016 9/30/2015 9/30/2014
Total Assets		 7,549 7,536 6,747 6,691 6,092 6,183 5,835 5,228 4,006 2,530 2,054
Cash and Due from Banks		 158 376 388 314 427 127 100 1,268 774 28 30
Trading Account Securities		 1,774 1,841 1,925 1,922 1,361 1,407 2,020 2,257 2,089 1,602 1,423
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 -29 0.00 0.00 -5.64 0.00 0.00
Loans Held for Sale		 689 78 21 56 184 149 16 0.00 - 706 493
Premises and Equipment, Net		 39 39 246 45 42 254 40 19 19 17 16
Intangible Assets		 326 330 335 343 42 53 71 52 29 34 2.59
Other Assets		 4,563 4,872 3,832 4,011 3,728 3,913 3,285 1,534 1,065 106 89
Total Liabilities & Shareholders' Equity		 7,549 7,536 6,747 6,691 6,092 6,183 5,835 5,228 4,006 2,530 2,054
Total Liabilities		 6,710 6,885 6,102 5,819 5,245 5,339 5,087 4,794 3,671 2,258 1,879
Non-Interest Bearing Deposits		 5,875 6,589 5,866 5,515 4,357 2,358 2,405 2,454 2,168 1,449 1,127
Short-Term Debt		 377 13 0.00 - - 646 426 1,405 1,095 544 10
Long-Term Debt		 33 34 36 93 98 216 89 86 92 19 17
Other Long-Term Liabilities		 424 249 200 211 - 131 - - 4.60 0.33 0.33
Total Equity & Noncontrolling Interests		 840 651 645 872 847 844 748 434 335 271 175
Total Preferred & Common Equity		 840 652 645 871 844 840 744 434 335 271 175
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 840 652 645 871 844 840 744 434 335 271 175
Common Stock		 639 629 618 605 595 581 566 258 185 171 95
Retained Earnings		 354 279 245 259 235 253 213 167 127 98 84
Treasury Stock		 -0.25 -0.34 -4.84 -0.86 -3.68 -0.45 -1.99 -0.27 0.00 -0.31 -0.73
Accumulated Other Comprehensive Income / (Loss)		 -153 -255 -213 7.60 18 6.34 -33 9.17 23 2.46 -3.41
Noncontrolling Interest		 -0.28 -1.01 -0.03 1.16 3.60 4.05 3.57 0.00 - - -

Quarterly Balance Sheets for Pathward Financial

This table presents Pathward Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 12/31/2024 6/30/2024 3/31/2024 12/31/2023 6/30/2023 3/31/2023 12/31/2022 6/30/2022
Total Assets		 7,622 7,530 7,437 7,927 7,459 6,868 6,659 6,728
Cash and Due from Banks		 597 299 348 672 515 433 369 157
Trading Account Securities		 1,512 1,759 1,814 1,886 1,952 1,864 1,888 2,000
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 73 29 26 70 87 25 17 68
Premises and Equipment, Net		 38 246 37 38 39 40 41 42
Intangible Assets		 313 327 328 329 331 333 334 337
Other Assets		 5,089 4,869 4,884 4,933 4,534 4,174 4,010 4,124
Total Liabilities & Shareholders' Equity		 7,622 7,530 7,437 7,927 7,459 6,868 6,659 6,728
Total Liabilities		 6,846 6,765 6,698 7,198 6,781 6,195 6,000 6,003
Non-Interest Bearing Deposits		 6,519 6,432 6,368 6,936 6,307 5,903 5,789 5,711
Short-Term Debt		 0.00 0.00 31 0.00 230 43 - -
Long-Term Debt		 33 33 33 34 34 35 35 17
Other Long-Term Liabilities		 294 300 265 228 210 215 176 276
Total Equity & Noncontrolling Interests		 776 765 739 729 678 673 659 725
Total Preferred & Common Equity		 777 766 740 730 678 674 659 724
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 777 766 740 730 678 674 659 724
Common Stock		 641 637 635 630 626 624 621 615
Retained Earnings		 332 343 318 293 267 245 247 245
Treasury Stock		 -4.88 -6.18 -6.18 -5.24 -6.94 -6.94 -6.82 -4.62
Accumulated Other Comprehensive Income / (Loss)		 -191 -208 -207 -188 -208 -188 -202 -131
Noncontrolling Interest		 -0.76 -0.51 -0.42 -0.51 -0.63 -0.55 -0.21 0.67

Annual Metrics And Ratios for Pathward Financial

This table displays calculated financial ratios and metrics derived from Pathward Financial's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 9/30/2024 9/30/2023 9/30/2022 9/30/2021 9/30/2020 9/30/2019 9/30/2018 9/30/2017 9/30/2016 9/30/2015 9/30/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.13% 17.19% 9.32% 10.24% 2.48% 54.49% 18.72% 49.04% 51.69% 19.79% 7.07%
EBITDA Growth		 3.83% -0.74% 15.51% 22.61% 14.80% 60.92% -5.06% 34.60% 54.10% 31.39% -3.82%
EBIT Growth		 9.15% -2.77% 19.73% 36.03% 17.42% 70.60% 4.10% 42.06% 99.88% 4.32% 8.74%
NOPAT Growth		 2.32% 4.05% 9.34% 33.29% 7.92% 93.75% 16.42% 35.21% 83.99% 14.90% 17.10%
Net Income Growth		 2.32% 4.05% 9.34% 33.29% 7.92% 93.75% 16.42% 35.21% 83.99% 14.90% 17.10%
EPS Growth		 10.52% 13.88% 20.09% 48.98% 18.07% 49.10% 16.42% 35.21% 83.99% 5.14% 6.30%
Operating Cash Flow Growth		 49.63% 12.76% -53.78% 24.49% 144.60% 38.66% 14.81% 52.86% 59.50% 90.66% 211.90%
Free Cash Flow Firm Growth		 -356.10% -66.25% 249.96% -85.45% 354.24% -147.88% 300.06% 45.44% -6.56% -3,436.08% -146.26%
Invested Capital Growth		 79.21% 2.40% -29.39% 2.03% -44.57% 35.12% -34.40% 26.40% 82.39% 312.20% 19.52%
Revenue Q/Q Growth		 0.93% 5.67% 0.50% 2.79% 0.74% 6.21% 6.36% 6.08% 4.90% 5.29% 2.41%
EBITDA Q/Q Growth		 0.77% 5.08% 1.61% 1.26% -2.53% 18.28% 0.86% -5.29% 3.66% 12.47% -3.93%
EBIT Q/Q Growth		 1.78% 6.37% 2.75% 1.18% -4.43% 24.90% 2.00% -10.80% 7.97% 3.82% -4.19%
NOPAT Q/Q Growth		 -1.30% 8.02% 4.86% 1.75% -6.22% 13.52% 17.14% -8.67% 4.29% 7.60% -0.70%
Net Income Q/Q Growth		 -1.30% 8.02% 4.86% 1.75% -6.22% 13.52% 17.14% -8.67% 4.29% 7.60% -0.70%
EPS Q/Q Growth		 0.00% 9.11% 7.13% 0.69% -8.98% 10.18% 17.14% -8.67% 4.29% 4.31% -1.94%
Operating Cash Flow Q/Q Growth		 4.75% 77.84% -35.68% -8.57% 54.98% -2.92% -7.86% 7.95% 38.17% 18.95% -18.49%
Free Cash Flow Firm Q/Q Growth		 -221.45% 417.98% 16.30% -40.49% 239.45% 35.86% 148.27% -20.46% -258.55% -2,087.93% 16.14%
Invested Capital Q/Q Growth		 56.52% -25.95% -8.12% -0.57% -9.06% 44.65% 126.74% 140.60% 235.17% 248.04% 3.85%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.99% 35.07% 41.41% 39.19% 35.23% 31.45% 30.19% 37.75% 41.80% 41.15% 37.52%
EBIT Margin		 26.34% 25.85% 31.16% 28.45% 23.05% 20.12% 18.22% 20.78% 21.80% 16.55% 19.00%
Profit (Net Income) Margin		 22.48% 23.54% 26.51% 26.50% 21.92% 20.81% 16.60% 16.92% 18.66% 15.38% 16.03%
Tax Burden Percent		 85.34% 91.04% 85.07% 93.16% 95.08% 103.44% 91.09% 81.45% 85.57% 92.96% 84.39%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 14.66% 8.96% 14.93% 6.84% 4.92% -3.44% 8.91% 18.55% 14.43% 7.04% 15.61%
Return on Invested Capital (ROIC)		 17.42% 24.05% 19.36% 15.26% 8.25% 6.83% 3.28% 2.61% 2.82% 3.48% 8.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 17.42% 24.05% 19.36% 15.26% 8.25% 6.83% 3.28% 2.61% 2.82% 3.48% 8.45%
Return on Net Nonoperating Assets (RNNOA)		 5.35% 1.54% 1.64% 1.70% 4.68% 5.90% 5.56% 9.07% 8.14% 4.61% 1.44%
Return on Equity (ROE)		 22.77% 25.59% 21.01% 16.96% 12.93% 12.73% 8.85% 11.67% 10.96% 8.09% 9.89%
Cash Return on Invested Capital (CROIC)		 -39.31% 21.68% 53.82% 13.25% 65.60% -23.05% 44.83% -20.72% -55.53% -118.42% -9.34%
Operating Return on Assets (OROA)		 2.64% 2.55% 2.79% 2.45% 1.87% 1.63% 1.04% 1.19% 1.19% 0.85% 0.99%
Return on Assets (ROA)		 2.25% 2.32% 2.37% 2.28% 1.78% 1.69% 0.95% 0.97% 1.02% 0.79% 0.84%
Return on Common Equity (ROCE)		 22.79% 25.61% 20.99% 16.91% 12.87% 12.67% 8.82% 11.67% 10.96% 8.09% 9.89%
Return on Equity Simple (ROE_SIMPLE)		 20.20% 25.45% 24.70% 16.74% 12.96% 12.06% 7.03% 10.34% 9.92% 6.65% 8.99%
Net Operating Profit after Tax (NOPAT)		 170 166 159 146 109 101 52 45 33 18 16
NOPAT Margin		 22.48% 23.54% 26.51% 26.50% 21.92% 20.81% 16.60% 16.92% 18.66% 15.38% 16.03%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 31.54% 31.09% 34.27% 32.80% 34.26% 39.32% 44.60% 45.46% 49.21% 51.77% 50.49%
Operating Expenses to Revenue		 68.01% 66.00% 64.09% 62.50% 63.96% 68.45% 72.44% 75.23% 75.61% 82.21% 79.83%
Earnings before Interest and Taxes (EBIT)		 199 182 187 156 115 98 57 55 39 19 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 257 247 249 215 176 153 95 100 74 48 37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.96 1.85 1.47 1.90 0.78 1.44 1.40 1.62 1.48 1.01 1.16
Price to Tangible Book Value (P/TBV)		 3.21 3.75 3.07 3.14 1.33 2.52 2.83 2.49 1.84 1.37 1.18
Price to Revenue (P/Rev)		 2.18 1.71 1.58 3.01 1.31 2.48 3.32 2.66 2.78 2.34 2.08
Price to Earnings (P/E)		 9.79 7.36 6.08 11.68 6.25 12.43 20.24 15.71 14.88 15.21 12.96
Dividend Yield		 0.30% 0.44% 0.61% 0.39% 1.06% 0.63% 0.67% 0.69% 0.90% 1.31% 1.58%
Earnings Yield		 10.21% 13.58% 16.46% 8.56% 15.99% 8.05% 4.94% 6.36% 6.72% 6.57% 7.72%
Enterprise Value to Invested Capital (EV/IC)		 1.52 1.25 0.88 1.49 0.35 1.14 1.16 0.48 0.60 0.97 0.99
Enterprise Value to Revenue (EV/Rev)		 2.52 1.24 0.99 2.61 0.66 4.00 4.64 3.50 5.10 6.90 2.06
Enterprise Value to EBITDA (EV/EBITDA)		 7.41 3.54 2.40 6.66 1.87 12.71 15.38 9.26 12.20 16.78 5.48
Enterprise Value to EBIT (EV/EBIT)		 9.56 4.80 3.19 9.18 2.86 19.86 25.49 16.83 23.39 41.73 10.82
Enterprise Value to NOPAT (EV/NOPAT)		 11.20 5.28 3.75 9.85 3.01 19.20 27.98 20.66 27.33 44.89 12.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.19 2.89 2.22 2.47 0.70 10.18 10.62 7.74 11.57 16.47 7.80
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 5.85 1.35 11.34 0.38 0.00 2.05 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.49 0.07 0.06 0.11 0.12 1.02 0.69 3.43 3.55 2.08 0.16
Long-Term Debt to Equity		 0.04 0.05 0.06 0.11 0.12 0.26 0.12 0.20 0.28 0.07 0.10
Financial Leverage		 0.31 0.06 0.08 0.11 0.57 0.86 1.70 3.48 2.89 1.33 0.17
Leverage Ratio		 10.12 11.02 8.86 7.44 7.26 7.55 9.36 12.00 10.78 10.27 11.79
Compound Leverage Factor		 10.12 11.02 8.86 7.44 7.26 7.55 9.36 12.00 10.78 10.27 11.79
Debt to Total Capital		 32.83% 6.72% 5.29% 9.62% 10.39% 50.52% 40.77% 77.42% 78.00% 67.50% 13.69%
Short-Term Debt to Total Capital		 30.16% 1.86% 0.00% 0.00% 0.00% 37.87% 33.72% 72.98% 71.93% 65.17% 5.14%
Long-Term Debt to Total Capital		 2.67% 4.86% 5.29% 9.62% 10.39% 12.65% 7.05% 4.44% 6.07% 2.33% 8.55%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 -0.02% -0.14% 0.00% 0.12% 0.38% 0.24% 0.28% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 67.19% 93.42% 94.72% 90.26% 89.23% 49.24% 58.91% 22.58% 22.00% 32.50% 86.31%
Debt to EBITDA		 1.60 0.19 0.14 0.43 0.56 5.63 5.41 14.87 15.95 11.66 0.75
Net Debt to EBITDA		 0.98 -1.33 -1.41 -1.03 -1.87 4.80 4.36 2.22 5.56 11.09 -0.06
Long-Term Debt to EBITDA		 0.13 0.14 0.14 0.43 0.56 1.41 0.94 0.85 1.24 0.40 0.47
Debt to NOPAT		 2.42 0.28 0.23 0.64 0.90 8.51 9.84 33.17 35.75 31.21 1.76
Net Debt to NOPAT		 1.49 -1.98 -2.21 -1.52 -3.01 7.26 7.93 4.95 12.45 29.68 -0.13
Long-Term Debt to NOPAT		 0.20 0.20 0.23 0.64 0.90 2.13 1.70 1.90 2.78 1.08 1.10
Noncontrolling Interest Sharing Ratio		 -0.09% -0.08% 0.07% 0.28% 0.45% 0.50% 0.34% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -383 149 443 127 870 -342 714 -357 -655 -614 -17
Operating Cash Flow to CapEx		 164.21% 69.70% 61.26% 1,234.39% 963.72% 120.66% 1,325.84% 1,780.27% 1,133.69% 1,679.09% 2,242.66%
Free Cash Flow to Firm to Interest Expense		 -18.03 13.75 90.91 18.44 25.73 -5.56 25.53 -24.01 -159.99 -257.32 -7.24
Operating Cash Flow to Interest Expense		 21.36 27.87 55.17 84.75 13.82 3.10 4.92 8.07 19.19 20.62 10.76
Operating Cash Flow Less CapEx to Interest Expense		 8.35 -12.12 -34.90 77.89 12.39 0.53 4.55 7.61 17.50 19.39 10.28
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.10 0.10 0.09 0.09 0.08 0.08 0.06 0.06 0.05 0.05 0.05
Fixed Asset Turnover		 19.30 4.94 4.13 12.71 3.37 3.30 10.54 13.99 9.89 6.94 5.74
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,250 697 681 965 946 1,706 1,262 1,925 1,523 835 203
Invested Capital Turnover		 0.78 1.02 0.73 0.58 0.38 0.33 0.20 0.15 0.15 0.23 0.53
Increase / (Decrease) in Invested Capital		 552 16 -284 19 -760 443 -662 402 688 632 33
Enterprise Value (EV)		 1,900 875 598 1,436 329 1,945 1,463 928 908 810 201
Market Capitalization		 1,649 1,204 950 1,656 655 1,206 1,045 706 494 275 204
Book Value per Share		 $33.63 $24.85 $22.21 $27.28 $24.37 $22.17 $56.95 $46.47 $39.30 $39.05 $28.27
Tangible Book Value per Share		 $20.57 $12.26 $10.67 $16.54 $14.22 $12.61 $28.31 $30.33 $31.57 $28.90 $27.85
Total Capital		 1,250 697 681 965 946 1,706 1,262 1,925 1,523 835 203
Total Debt		 410 47 36 93 98 862 515 1,490 1,188 563 28
Total Long-Term Debt		 33 34 36 93 98 216 89 86 92 19 17
Net Debt		 252 -329 -352 -221 -329 735 415 222 414 536 -2.11
Capital Expenditures (CapEx)		 276 435 439 47 48 158 10 6.74 6.92 2.93 1.15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 410 47 36 93 98 862 515 1,490 1,188 563 28
Total Depreciation and Amortization (D&A)		 58 65 62 59 61 55 38 45 36 29 18
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $6.63 $6.01 $5.26 $4.38 $2.94 $2.49 $1.68 $1.62 $1.32 $0.89 $0.86
Adjusted Weighted Average Basic Shares Outstanding		 24.12M 25.99M 28.47M 30.55M 33.45M 37.58M 39.41M 29.00M 27.56M 24.66M 18.58M
Adjusted Diluted Earnings per Share		 $6.62 $5.99 $5.26 $4.38 $2.94 $2.49 $1.67 $1.61 $1.31 $0.89 $0.84
Adjusted Weighted Average Diluted Shares Outstanding		 24.12M 25.99M 28.47M 30.55M 33.45M 37.58M 39.41M 29.00M 27.56M 24.66M 18.58M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.12M 25.99M 28.47M 30.55M 33.45M 37.58M 39.41M 29.00M 27.56M 24.66M 18.58M
Normalized Net Operating Profit after Tax (NOPAT)		 172 169 160 148 111 75 52 45 33 19 16
Normalized NOPAT Margin		 22.82% 23.96% 26.60% 26.98% 22.30% 15.47% 16.60% 16.92% 18.66% 16.45% 16.10%
Pre Tax Income Margin		 26.34% 25.85% 31.16% 28.45% 23.05% 20.12% 18.22% 20.78% 21.80% 16.55% 19.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 9.36 16.75 38.45 22.80 3.40 1.59 2.05 3.71 9.49 8.14 7.76
NOPAT to Interest Expense		 7.99 15.25 32.71 21.24 3.23 1.65 1.87 3.02 8.12 7.56 6.55
EBIT Less CapEx to Interest Expense		 -3.65 -23.25 -51.62 15.93 1.97 -0.98 1.68 3.25 7.80 6.91 7.28
NOPAT Less CapEx to Interest Expense		 -5.02 -24.75 -57.36 14.37 1.80 -0.93 1.50 2.57 6.43 6.34 6.07
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 2.99% 3.27% 3.72% 7.16% 11.13% 11.45% 11.48% 10.77% 13.21% 19.35% 20.26%
Augmented Payout Ratio		 2.99% 3.27% 3.72% 7.16% 11.13% 11.45% 11.48% 10.77% 13.21% 19.35% 20.26%

Quarterly Metrics And Ratios for Pathward Financial

This table displays calculated financial ratios and metrics derived from Pathward Financial's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.58% 4.32% 6.98% 8.23% 8.65% 30.65% 30.96% 18.02% -5.29% 2.50% -3.65%
EBITDA Growth		 9.35% 4.00% -3.78% 13.23% -2.51% 32.08% 35.41% 14.73% -45.48% 11.82% -21.19%
EBIT Growth		 12.75% 10.33% -3.43% 25.13% -3.90% 47.76% 58.61% 11.08% -53.69% 28.14% -31.25%
NOPAT Growth		 13.30% -6.15% -7.80% 18.33% -1.79% 51.05% 91.30% 10.51% -53.64% 44.18% -40.19%
Net Income Growth		 13.30% -6.15% -7.80% 18.33% -1.79% 51.05% 91.30% 10.51% -53.64% 44.18% -40.19%
EPS Growth		 21.70% 0.00% -1.19% 28.64% 8.16% 59.52% 121.05% 19.88% -51.00% 71.43% -37.19%
Operating Cash Flow Growth		 -441.36% 17.96% 2,039.40% 36.41% -47.03% 728.57% 211.32% 5.39% -73.03% -113.91% -106.68%
Free Cash Flow Firm Growth		 62.60% -2,680.73% 219.67% -92.18% -116.17% -93.47% -161.30% 26.58% 378.27% 12,575.95% 131.25%
Invested Capital Growth		 6.15% 79.21% -15.22% 7.07% 9.91% 2.40% 27.05% -12.17% -24.42% -29.39% -23.59%
Revenue Q/Q Growth		 3.32% -4.98% -28.52% 51.87% 1.13% -2.55% -27.69% 52.46% 21.60% -2.32% -34.83%
EBITDA Q/Q Growth		 3.28% -16.88% -35.58% 97.70% -1.76% -23.10% -24.19% 70.22% 33.09% -21.16% -35.76%
EBIT Q/Q Growth		 1.87% -21.08% -41.59% 140.13% -0.32% -30.93% -24.32% 84.42% 53.27% -25.85% -47.00%
NOPAT Q/Q Growth		 -7.45% -18.73% -35.82% 134.71% -23.34% -20.15% -17.63% 94.81% 17.90% 1.12% -52.42%
Net Income Q/Q Growth		 -7.45% -18.73% -35.82% 134.71% -23.34% -20.15% -17.63% 94.81% 17.90% 1.12% -52.42%
EPS Q/Q Growth		 -3.73% -19.28% -35.16% 141.51% -20.90% -20.24% -15.58% 103.06% 16.67% 10.53% -54.22%
Operating Cash Flow Q/Q Growth		 -156.74% 30.93% -46.56% 759.72% -80.39% 2,274.73% -96.59% 233.84% 332.69% -320.55% -103.23%
Free Cash Flow Firm Q/Q Growth		 97.05% -379.60% 1,386.64% 130.51% -303.52% 112.96% -197.20% -36.94% -17.85% 21.74% 100.72%
Invested Capital Q/Q Growth		 -35.21% 56.52% -0.65% 5.37% 9.38% -25.95% 25.45% 8.17% 1.90% -8.12% -13.27%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.45% 30.46% 34.82% 38.64% 29.68% 30.56% 38.72% 36.93% 33.08% 30.23% 37.45%
EBIT Margin		 21.85% 22.17% 26.69% 32.67% 20.66% 20.96% 29.57% 28.25% 23.36% 18.53% 24.41%
Profit (Net Income) Margin		 18.23% 20.35% 23.79% 26.50% 17.15% 22.62% 27.61% 24.24% 18.97% 19.56% 18.90%
Tax Burden Percent		 83.40% 91.80% 89.14% 81.12% 83.00% 107.92% 93.36% 85.78% 81.21% 105.57% 77.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 16.60% 8.20% 10.86% 18.88% 17.00% -7.92% 6.64% 14.22% 18.79% -5.57% 22.59%
Return on Invested Capital (ROIC)		 17.74% 15.77% 20.44% 25.10% 16.89% 23.12% 21.87% 18.95% 13.95% 14.29% 13.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 17.74% 15.77% 20.44% 25.10% 16.89% 23.12% 21.87% 18.95% 13.95% 14.29% 13.21%
Return on Net Nonoperating Assets (RNNOA)		 0.79% 4.84% 4.21% 2.52% 0.83% 1.48% 4.38% 2.23% 1.19% 1.21% 0.91%
Return on Equity (ROE)		 18.53% 20.61% 24.66% 27.62% 17.72% 24.59% 26.25% 21.18% 15.14% 15.51% 14.12%
Cash Return on Invested Capital (CROIC)		 16.08% -39.31% 36.22% 15.75% 13.25% 21.68% -5.59% 29.37% 43.51% 53.82% 44.50%
Operating Return on Assets (OROA)		 2.15% 2.22% 2.66% 3.36% 2.03% 2.07% 2.78% 2.58% 1.94% 1.66% 2.12%
Return on Assets (ROA)		 1.79% 2.04% 2.37% 2.73% 1.69% 2.23% 2.59% 2.21% 1.58% 1.75% 1.64%
Return on Common Equity (ROCE)		 18.55% 20.63% 24.68% 27.64% 17.73% 24.61% 26.24% 21.18% 15.14% 15.49% 14.10%
Return on Equity Simple (ROE_SIMPLE)		 22.31% 0.00% 22.45% 23.71% 22.65% 0.00% 22.63% 19.55% 19.18% 0.00% 20.99%
Net Operating Profit after Tax (NOPAT)		 32 34 42 66 28 36 46 55 28 24 24
NOPAT Margin		 18.23% 20.35% 23.79% 26.50% 17.15% 22.62% 27.61% 24.24% 18.97% 19.56% 18.90%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.00% 36.73% 32.55% 25.63% 34.09% 34.55% 33.90% 24.54% 34.26% 42.06% 42.88%
Operating Expenses to Revenue		 71.21% 77.33% 69.98% 56.80% 73.27% 73.42% 69.36% 55.65% 70.12% 83.62% 76.62%
Earnings before Interest and Taxes (EBIT)		 38 37 47 81 34 34 49 65 35 23 31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 53 51 62 96 48 49 64 84 50 37 47
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.28 1.96 1.87 1.74 1.90 1.85 1.83 1.69 1.85 1.47 1.55
Price to Tangible Book Value (P/TBV)		 3.82 3.21 3.26 3.12 3.45 3.75 3.58 3.33 3.74 3.07 2.90
Price to Revenue (P/Rev)		 2.32 2.18 1.91 1.75 1.93 1.71 1.86 1.81 2.06 1.58 1.88
Price to Earnings (P/E)		 10.31 9.79 8.38 7.39 8.47 7.36 8.22 8.86 9.91 6.08 7.56
Dividend Yield		 0.27% 0.30% 0.35% 0.40% 0.38% 0.44% 0.43% 0.48% 0.47% 0.61% 0.52%
Earnings Yield		 9.70% 10.21% 11.94% 13.53% 11.81% 13.58% 12.16% 11.29% 10.09% 16.46% 13.22%
Enterprise Value to Invested Capital (EV/IC)		 1.49 1.52 1.46 1.25 0.98 1.25 1.05 1.04 1.27 0.88 1.33
Enterprise Value to Revenue (EV/Rev)		 1.58 2.52 1.56 1.36 1.04 1.24 1.49 1.25 1.49 0.99 1.65
Enterprise Value to EBITDA (EV/EBITDA)		 4.63 7.41 4.57 3.90 3.03 3.54 4.22 3.58 4.26 2.40 4.02
Enterprise Value to EBIT (EV/EBIT)		 5.96 9.56 5.96 5.08 4.12 4.80 5.79 5.11 6.02 3.19 5.41
Enterprise Value to NOPAT (EV/NOPAT)		 6.98 11.20 6.77 5.71 4.51 5.28 6.46 5.94 6.99 3.75 6.49
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.41 4.19 2.69 2.99 2.63 2.89 5.82 4.85 5.74 2.22 2.36
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.57 0.00 3.69 8.18 7.72 5.85 0.00 3.32 2.52 1.35 2.59
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.04 0.49 0.04 0.09 0.05 0.07 0.39 0.12 0.05 0.06 0.02
Long-Term Debt to Equity		 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.02
Financial Leverage		 0.04 0.31 0.21 0.10 0.05 0.06 0.20 0.12 0.09 0.08 0.07
Leverage Ratio		 10.33 10.12 10.39 10.13 10.51 11.02 10.12 9.57 9.61 8.86 8.60
Compound Leverage Factor		 10.33 10.12 10.39 10.13 10.51 11.02 10.12 9.57 9.61 8.86 8.60
Debt to Total Capital		 4.12% 32.83% 4.17% 8.01% 4.41% 6.72% 28.05% 10.33% 5.04% 5.29% 2.24%
Short-Term Debt to Total Capital		 0.00% 30.16% 0.00% 3.86% 0.00% 1.86% 24.42% 5.73% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 4.12% 2.67% 4.17% 4.15% 4.41% 4.86% 3.63% 4.60% 5.04% 5.29% 2.24%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 -0.09% -0.02% -0.06% -0.05% -0.07% -0.14% -0.07% -0.07% -0.03% 0.00% 0.09%
Common Equity to Total Capital		 95.97% 67.19% 95.89% 92.04% 95.66% 93.42% 72.02% 89.75% 94.99% 94.72% 97.67%
Debt to EBITDA		 0.13 1.60 0.13 0.25 0.14 0.19 1.12 0.36 0.17 0.14 0.07
Net Debt to EBITDA		 -2.16 0.98 -1.04 -1.10 -2.60 -1.33 -1.07 -1.63 -1.61 -1.41 -0.57
Long-Term Debt to EBITDA		 0.13 0.13 0.13 0.13 0.14 0.14 0.15 0.16 0.17 0.14 0.07
Debt to NOPAT		 0.19 2.42 0.19 0.37 0.20 0.28 1.72 0.59 0.28 0.23 0.11
Net Debt to NOPAT		 -3.25 1.49 -1.55 -1.62 -3.86 -1.98 -1.64 -2.70 -2.64 -2.21 -0.93
Long-Term Debt to NOPAT		 0.19 0.20 0.19 0.19 0.20 0.20 0.22 0.26 0.28 0.23 0.11
Noncontrolling Interest Sharing Ratio		 -0.08% -0.09% -0.08% -0.07% -0.05% -0.08% 0.00% -0.02% 0.03% 0.07% 0.13%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -15 -518 185 12 -41 20 -155 159 253 308 253
Operating Cash Flow to CapEx		 -155.82% 239.25% 213.51% 289.26% 21.43% 173.52% 3.62% 199.25% 25.70% -11.32% -5.65%
Free Cash Flow to Firm to Interest Expense		 -4.92 -135.39 60.13 1.47 -6.97 4.27 -82.35 48.56 251.99 665.92 144.00
Operating Cash Flow to Interest Expense		 -24.67 35.27 33.45 22.81 3.83 24.31 2.56 43.10 42.25 -39.42 -2.47
Operating Cash Flow Less CapEx to Interest Expense		 -40.50 20.53 17.78 14.92 -14.04 10.30 -68.20 21.47 -122.11 -387.61 -46.16
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.10 0.10 0.10 0.10 0.10 0.10 0.09 0.09 0.08 0.09 0.09
Fixed Asset Turnover		 20.00 19.30 5.25 19.12 18.09 4.94 16.53 15.14 13.92 4.13 13.88
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 810 1,250 799 804 763 697 942 751 694 681 741
Invested Capital Turnover		 0.97 0.78 0.86 0.95 0.98 1.02 0.79 0.78 0.74 0.73 0.70
Increase / (Decrease) in Invested Capital		 47 552 -143 53 69 16 201 -104 -224 -284 -229
Enterprise Value (EV)		 1,210 1,900 1,163 1,002 745 875 991 782 884 598 986
Market Capitalization		 1,775 1,649 1,430 1,286 1,384 1,204 1,243 1,138 1,218 950 1,126
Book Value per Share		 $32.22 $33.63 $30.30 $29.03 $28.63 $24.85 $25.21 $24.45 $23.16 $22.21 $24.66
Tangible Book Value per Share		 $19.24 $20.57 $17.36 $16.16 $15.71 $12.26 $12.89 $12.38 $11.43 $10.67 $13.20
Total Capital		 810 1,250 799 804 763 697 942 751 694 681 741
Total Debt		 33 410 33 64 34 47 264 78 35 36 17
Total Long-Term Debt		 33 33 33 33 34 34 34 35 35 36 17
Net Debt		 -564 252 -266 -284 -638 -329 -251 -355 -334 -352 -141
Capital Expenditures (CapEx)		 49 56 48 67 105 66 133 71 165 161 77
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 33 410 33 64 34 47 264 78 35 36 17
Total Depreciation and Amortization (D&A)		 15 14 14 15 15 15 15 20 15 14 16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.29 $1.35 $1.66 $2.56 $1.06 $1.35 $1.69 $1.99 $0.98 $0.84 $0.76
Adjusted Weighted Average Basic Shares Outstanding		 23.85M 24.12M 24.98M 25.27M 25.49M 25.99M 26.23M 26.91M 27.56M 28.47M 29.05M
Adjusted Diluted Earnings per Share		 $1.29 $1.34 $1.66 $2.56 $1.06 $1.34 $1.68 $1.99 $0.98 $0.84 $0.76
Adjusted Weighted Average Diluted Shares Outstanding		 23.85M 24.12M 24.98M 25.27M 25.49M 25.99M 26.23M 26.91M 27.56M 28.47M 29.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 23.85M 24.12M 24.98M 25.27M 25.49M 25.99M 26.23M 26.91M 27.56M 28.47M 29.05M
Normalized Net Operating Profit after Tax (NOPAT)		 32 34 43 67 28 24 48 56 28 16 24
Normalized NOPAT Margin		 18.23% 20.35% 24.30% 27.16% 17.15% 14.67% 29.16% 24.42% 18.98% 12.97% 19.31%
Pre Tax Income Margin		 21.85% 22.17% 26.69% 32.67% 20.66% 20.96% 29.57% 28.25% 23.36% 18.53% 24.41%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 12.21 9.72 15.30 9.55 5.74 7.17 25.97 19.67 34.89 49.43 17.55
NOPAT to Interest Expense		 10.18 8.93 13.64 7.74 4.76 7.73 24.24 16.87 28.34 52.18 13.58
EBIT Less CapEx to Interest Expense		 -3.62 -5.02 -0.37 1.66 -12.13 -6.84 -44.79 -1.97 -129.46 -298.77 -26.14
NOPAT Less CapEx to Interest Expense		 -5.65 -5.82 -2.03 -0.14 -13.11 -6.28 -46.51 -4.76 -136.02 -296.02 -30.10
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 2.87% 2.99% 4.83% 4.77% 3.22% 3.27% 4.53% 6.22% 7.48% 3.72% 6.57%
Augmented Payout Ratio		 2.87% 2.99% 4.83% 4.77% 3.22% 3.27% 4.53% 6.22% 7.48% 3.72% 6.57%

Frequently Asked Questions About Pathward Financial's Financials

When does Pathward Financial's fiscal year end?

According to the most recent income statement we have on file, Pathward Financial's financial year ends in September. Their financial year 2024 ended on September 30, 2024.

How has Pathward Financial's net income changed over the last 10 years?

Pathward Financial's net income appears to be on an upward trend, with a most recent value of $169.65 million in 2024, rising from $15.71 million in 2014. The previous period was $165.81 million in 2023. See Pathward Financial's forecast for analyst expectations on what’s next for the company.

How has Pathward Financial revenue changed over the last 10 years?

Over the last 10 years, Pathward Financial's total revenue changed from $98 million in 2014 to $754.71 million in 2024, a change of 670.1%.

How much debt does Pathward Financial have?

Pathward Financial's total liabilities were at $6.71 billion at the end of 2024, a 2.5% decrease from 2023, and a 257.0% increase since 2014.

How much cash does Pathward Financial have?

In the past 10 years, Pathward Financial's cash and equivalents has ranged from $27.66 million in 2015 to $1.27 billion in 2017, and is currently $158.34 million as of their latest financial filing in 2024.

How has Pathward Financial's book value per share changed over the last 10 years?

Over the last 10 years, Pathward Financial's book value per share changed from 28.27 in 2014 to 33.63 in 2024, a change of 19.0%.


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This page (NASDAQ:CASH) was last updated on 5/25/2025 by MarketBeat.com Staff
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