PATHWARD FINANCIAL, INC. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
CASH on Nasdaq
Location
Sioux Falls, SD
Fiscal year end
30 September
Latest financial report
05 Feb 2026

Quick Takeaways

  • CASH - PATHWARD FINANCIAL, INC. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 24%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-2.8%</span>.
  • Most recent SEC facts end date: 28 Jan 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-01-28) highlights Return On Equity 23.7%, Return On Assets 2.5%, and Debt-to-equity 7.65x.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

44.5/100

Caution Confidence medium

Return On Equity

24%

Metric score 92.3/100

Return On Assets

2.5%

Metric score 6.5/100

Financial Health

Debt to Equity
7.65x

Strengths

Return On Equity

Watchpoints

Return On Assets and Debt-to-equity

Key metrics snapshot

Return On Equity

24%

YoY: -2.8%

Industry median: 11% (n=100)

View history

Return On Assets

2.5%

YoY: +9.6%

Industry median: 1.1% (n=100)

View history

Debt-to-equity

7.65x

YoY: -14%

Industry median: 8.75x (n=96)

View history

Revenues YoY

2.7%

YoY:

Industry median: 6.5% (n=29)

View history

NetIncomeLoss YoY

7.2%

YoY:

Industry median: 20% (n=96)

View history

Profitability

Metric Latest value YoY change
Return On Equity 24% -2.8%
Return On Assets 2.5% +9.6%

Financial Health

Metric Latest value YoY change
Debt-to-equity 7.65x -14%

Growth

Metric Latest value YoY change
Revenues YoY 2.7%
NetIncomeLoss YoY 7.2%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 21,763,685 -8.7%
Weighted Average Number of Shares Outstanding, Basic 22,312,973 -7.9%
Weighted Average Number of Shares Outstanding, Diluted 22,381,460 -7.8%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $229,540,000 +8.3%
Income Tax Expense (Benefit) $37,454,000 +16%
Earnings Per Share, Basic 8.25 +16%
Earnings Per Share, Diluted 8.21 +16%
Cash and Cash Equivalents, at Carrying Value $331,217,000 -45%
Property, Plant and Equipment, Net $42,370,000 +11%
Operating Lease, Right-of-Use Asset $22,000,000 -2.7%
Goodwill $297,928,000 0%
Assets $7,560,205,000 -0.57%
Liabilities $6,706,493,000 -2%
Accumulated Other Comprehensive Income (Loss), Net of Tax $134,996,000 +29%
Retained Earnings (Accumulated Deficit) $346,529,000 +11%
Stockholders' Equity Attributable to Parent $854,535,000 +13%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $853,712,000 +13%
Liabilities and Equity $7,560,205,000 -0.57%
Share-based Payment Arrangement, Noncash Expense $2,862,000 +78%
Net Cash Provided by (Used in) Operating Activities $108,304,000
Net Cash Provided by (Used in) Financing Activities $401,913,000 +83%
Net Cash Provided by (Used in) Investing Activities $300,360,000 -203%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $210,649,000 -52%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $331,217,000 -45%
Interest Paid, Excluding Capitalized Interest, Operating Activities $1,345,000 -54%
Operating Lease, Liability $23,248,000 -2.1%
Payments to Acquire Property, Plant, and Equipment $4,236,000 +103%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $246,992,000 +40%
Lessee, Operating Lease, Liability, to be Paid $25,971,000 -3.1%
Lessee, Operating Lease, Liability, to be Paid, Year Two $3,447,000 +21%
Lessee, Operating Lease, Liability, to be Paid, Year One $3,356,000 +10%
Operating Lease, Weighted Average Discount Rate, Percent 0.0264 +5.6%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $2,723,000 -11%
Lessee, Operating Lease, Liability, to be Paid, Year Three $3,486,000 +24%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 3,000,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $3,036,000 +6.9%
Additional Paid in Capital $651,199,000 +1.7%
Preferred Stock, Shares Outstanding 0
Amortization of Intangible Assets $3,362,000 -15%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY