Pathward Financial Income Statement

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Interest Income on Loans	451.74	455.82	438.58	346.82	268.08	256.08
Interest Income on Investments	64.52	67.58	80.48	75.13	44.12	29.77
Total Interest Income	516.26	523.39	519.06	421.95	312.2	285.85
Interest Paid on Deposits	4.86	5.43	13.02	4.36	0.5	1.59
Interest Paid on Borrowings	5.52	6.17	8.21	6.52	4.37	5.27
Total Interest Expense	10.38	11.6	21.23	10.87	4.87	6.86
Net Interest Income	505.88	511.79	497.83	411.08	307.32	278.99
Net Interest Income Growth (YoY)	9.63%	2.81%	21.10%	33.76%	10.16%	7.70%
Gain (Loss) on Sale of Assets	-1.36	15.04	-	10	50	-
Gain (Loss) on Sale of Investments	-12.41	-28.08	-1	-3.25	-	-2.59
Other Non-Interest Income	335.26	338.14	299.59	306.6	243.81	270.9
Total Non-Interest Income	321.49	325.1	298.59	313.35	293.81	268.3
Non-Interest Income Growth (YoY)	6.03%	8.88%	-4.71%	6.65%	9.50%	11.89%
Revenues Before Loan Losses	827.37	836.89	796.41	724.43	601.13	547.3
Provision for Loan Losses	41.34	56.77	58.1	109.24	28.54	49.77
Revenue	786.02	780.12	738.31	615.18	572.59	497.53
Revenue Growth (YoY)	10.54%	5.66%	20.02%	7.44%	15.09%	14.62%
Salaries and Employee Benefits	193.56	190.99	191.19	173.25	161.12	144.24
Occupancy Expenses	44.97	42.09	36.59	34.69	30.88	29.27
Amortization of Goodwill & Intangibles	3.36	3.46	4.13	4.97	6.59	8.55
Selling, General & Administrative	90.51	91.61	76.9	83.88	90.3	69.18
Other Non-Interest Expense	221.17	226	208.88	163.32	95.72	89.63
Total Non-Interest Expense	553.57	554.15	517.68	460.12	384.61	340.87
EBT Excluding Unusual Items	232.46	225.97	220.63	155.07	187.99	156.66
Asset Writedown	-2.92	-2.92	-2.01	-0.02	-0.67	-0.22
Pretax Income	229.54	223.05	218.62	155.05	187.32	156.45
Income Tax Expense	37.45	36.27	34.11	9.59	27.96	10.7
Earnings From Continuing Operations	192.09	186.79	184.51	145.46	159.35	145.75
Minority Interest in Earnings	-1.02	-0.92	-1.29	-2.19	-2.97	-4.04
Net Income	191.07	185.87	183.22	143.27	156.39	141.71
Preferred Dividends & Other Adjustments	0.62	0.69	1.68	2.15	2.57	2.7
Net Income to Common	190.45	185.18	181.54	141.12	153.82	139.01
Net Income Growth	16.92%	1.45%	27.89%	-8.39%	10.36%	35.32%
Basic Shares Outstanding	23	23	25	27	29	32
Diluted Shares Outstanding	23	24	25	27	29	32
Shares Change (YoY)	-7.17%	-6.66%	-6.40%	-7.89%	-7.93%	-8.84%
EPS (Basic)	8.31	7.91	7.21	5.26	5.26	4.38
EPS (Diluted)	8.26	7.87	7.20	5.24	5.26	4.38
EPS Growth	26.63%	9.29%	37.44%	-0.36%	20.14%	49.05%
Dividend Per Share	0.200	0.200	0.200	0.200	0.200	0.200
Effective Tax Rate	16.32%	16.26%	15.60%	6.18%	14.93%	6.84%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.