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
Net Interest Income	505.88	511.79	497.83	411.08	324.57	278.99
Net Interest Income Growth	0.34%	2.81%	21.10%	26.65%	16.34%	7.70%
Non-Interest Income	324.49	328.1	299.59	316.6	293.81	270.9
Non-Interest Income Growth	6.67%	9.52%	-5.37%	7.76%	8.45%	12.97%
Revenues Before Loan Losses	830.37	839.89	797.41	727.68	618.37	549.9
Provision for Credit Losses	41.34	56.77	58.1	109.24	56.79	49.77
Revenue	789.02	783.12	739.31	618.43	561.58	500.13
Revenue Growth (YoY)	6.72%	5.93%	19.55%	10.12%	12.29%	15.22%
Compensation Expenses	203.07	200.5	201.47	184.32	171.13	151.09
Selling, General & Admin	217.33	217.01	199.38	167.29	114.33	87.81
Other Non-Interest Expenses	139.08	142.57	119.84	111.78	95.82	104.78
Total Non-Interest Expense	559.48	560.07	520.69	463.39	381.28	343.68
Pretax Income	229.54	223.05	218.62	155.05	180.3	156.45
Provision for Income Taxes	37.45	36.27	34.11	9.59	26.2	10.7
Net Income	190.93	185.87	183.22	143.27	151.13	141.71
Minority Interest in Earnings	1.15	0.92	1.29	2.19	2.97	4.04
Net Income to Common	190.93	185.87	183.22	143.27	151.13	141.71
Net Income Growth	7.30%	1.45%	27.89%	-5.21%	6.65%	35.32%
Shares Outstanding (Basic)	5,769	23	25	27	29	32
Shares Outstanding (Diluted)	5,802	24	25	27	29	32
Shares Change (YoY)	-6.38%	-6.66%	-6.40%	-7.89%	-7.93%	-8.84%
EPS (Basic)	8.26	7.91	7.21	5.26	4.32	4.38
EPS (Diluted)	8.21	7.87	7.20	5.24	4.32	4.38
EPS Growth	15.80%	9.31%	37.41%	21.30%	-1.37%	48.98%
Free Cash Flow	296.46	248.27	222.19	-113.13	-134.87	531.21
Free Cash Flow Growth	19.41%	11.74%	-	-	-	28.44%
Free Cash Flow Per Share	0.05	10.55	8.82	-4.20	-4.61	16.73
Dividends Per Share	0.200	0.200	0.200	0.200	0.200	0.200
Profit Margin	25.13%	23.85%	24.96%	23.52%	27.44%	29.14%
FCF Margin	37.18%	31.70%	30.05%	-18.29%	-24.02%	106.21%
EBITDA	60.11	62.64	59.78	64.98	62.27	59.05
EBITDA Margin	7.54%	8.00%	8.09%	10.51%	11.09%	11.81%
Effective Tax Rate	15.75%	16.26%	15.60%	6.18%	14.53%	6.84%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q