Pathward Financial financials
$71.57−1.00%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Sep 30 | FY24 Sep 30 | FY23 Sep 30 | FY22 Sep 30 | FY21 Sep 30 | FY20 Sep 30 | FY19 Sep 30 | FY18 Sep 30 | FY17 Sep 30 | FY16 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $851.5M | $818.6M | $738.5M | $623.2M | $556.8M | $529.9M | $548.3M | $343.1M | $280.3M | $182.2M |
| Gross profit | $839.9M | $797.4M | $727.7M | $618.4M | $549.9M | $496.1M | $486.8M | $315.1M | $265.4M | $178.1M |
| Gross margin | 98.6% | 97.4% | 98.5% | 99.2% | 98.8% | 93.6% | 88.8% | 91.8% | 94.7% | 97.8% |
| Operating income | $223.1M | $218.6M | $155.0M | $180.3M | $156.4M | $115.0M | $97.9M | $57.4M | $55.1M | $38.8M |
| Net income | $185.2M | $181.5M | $141.1M | $148.7M | $139.0M | $102.3M | $94.6M | $51.6M | $44.9M | $33.2M |
| Net margin | 21.7% | 22.2% | 19.1% | 23.9% | 25.0% | 19.3% | 17.3% | 15.0% | 16.0% | 18.2% |
| Diluted EPS | $7.87 | $7.20 | $5.24 | $5.09 | $4.38 | $2.94 | $2.49 | $1.67 | $1.61 | $1.30 |
| EBITDA | $229.0M | $221.6M | $158.3M | $181.0M | $159.3M | $117.0M | $107.6M | $57.4M | $77.8M | $43.6M |
| Operating cash flow | $450.6M | $488.8M | $327.9M | $290.0M | $581.6M | $467.2M | $191.0M | $137.8M | $119.2M | $78.5M |
| Free cash flow | $264.9M | $221.6M | -$107.0M | -$139.4M | $534.5M | $404.0M | $34.3M | $112.4M | $112.5M | $71.6M |
| Diluted shares | 23.5M | 25.2M | 26.9M | 29.2M | 31.8M | 34.8M | 38.0M | 30.9M | 27.9M | 25.5M |
Balance sheet
| Period end | Sep 30 | Sep 30 | Sep 30 | Sep 30 | Sep 30 | Sep 30 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $120.6M | $158.3M | $375.6M | $388.0M | $314.0M | $427.4M |
| Short-term investments | $1.38B | $1.81B | $1.87B | $1.95B | $1.95B | $1.39B |
| Total debt | $42.5M | $410.4M | $46.9M | $36.0M | $92.8M | $98.2M |
| Total assets | $7.17B | $7.53B | $7.50B | $6.74B | $6.69B | $6.09B |
| Total liabilities | $6.31B | $6.71B | $6.89B | $6.10B | $5.82B | $5.24B |
| Shareholders' equity | $857.5M | $822.2M | $618.3M | $633.2M | $871.9M | $847.3M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology