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	Mar '26 Mar 31, 2026	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	494.73	511.79	497.83	411.08	324.57	278.99
Net Interest Income Growth	-3.33%	2.81%	21.10%	26.65%	16.34%	7.70%
Non-Interest Income	337.14	328.1	299.59	316.6	293.81	270.9
Non-Interest Income Growth	7.44%	9.52%	-5.37%	7.76%	8.45%	12.97%
Revenues Before Loan Losses	831.87	839.89	797.41	727.68	618.37	549.9
Provision for Credit Losses	51.69	56.77	58.1	109.24	56.79	49.77
Revenue	780.18	783.12	739.31	618.43	561.58	500.13
Revenue Growth (YoY)	3.88%	5.93%	19.55%	10.12%	12.29%	15.22%
Compensation Expenses	206.57	200.5	201.47	184.32	171.13	151.09
Selling, General & Admin	215.92	217.01	199.38	167.29	114.33	87.81
Other Non-Interest Expenses	132.28	142.57	119.84	111.78	95.82	104.78
Total Non-Interest Expense	554.76	560.07	520.69	463.39	381.28	343.68
Pretax Income	225.41	223.05	218.62	155.05	180.3	156.45
Provision for Income Taxes	35.46	36.27	34.11	9.59	26.2	10.7
Net Income	189.95	186.79	184.51	145.46	154.1	145.75
Minority Interest in Earnings	1.07	0.92	1.29	2.19	2.97	4.04
Net Income to Common	38.66	185.87	183.22	143.27	151.13	141.71
Net Income Growth	16.51%	1.45%	27.89%	-5.21%	6.65%	35.32%
Shares Outstanding (Basic)	5,768	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)	8.47	7.91	7.21	5.26	4.32	4.38
EPS (Diluted)	8.42	7.87	7.20	5.24	4.32	4.38
EPS Growth	12.42%	9.31%	37.41%	21.30%	-1.37%	48.98%
Free Cash Flow	395.62	236.59	212.05	-121.76	-143.05	518.25
Free Cash Flow Growth	67.22%	11.57%	-	-	-	29.14%
Free Cash Flow Per Share	0.07	10.06	8.41	-4.52	-4.89	16.32
Dividends Per Share	0.200	0.200	0.200	0.200	0.200	0.200
Profit Margin	24.35%	23.85%	24.96%	23.52%	27.44%	29.14%
FCF Margin	50.71%	30.21%	28.68%	-19.69%	-25.47%	103.62%
Effective Tax Rate	15.73%	16.26%	15.60%	6.18%	14.53%	6.84%

SEC Filings: 10-K · 10-Q