PATHWARD FINANCIAL, INC.CASHEarnings & Financial Report
Pathward Financial, Inc. is a U.S.-based banking and financial services company. It adopted its current name in 2022 after its parent, Meta Financial Group, sold the "Meta" trademark to Meta Platforms.
Revenue
$179.5M
Gross Profit
N/A
Operating Profit
$37.5M
Net Profit
$33.5M
Gross Margin
N/A
Operating Margin
20.9%
Net Margin
18.7%
YoY Growth
-2.5%
EPS
$1.34
PATHWARD FINANCIAL, INC. Q4 FY2024 Financial Summary
PATHWARD FINANCIAL, INC. reported revenue of $179.5M (down 2.5% YoY) for Q4 FY2024, with a net profit of $33.5M (up 32.7% YoY) (18.7% margin).
Key Financial Metrics
| Total Revenue | $179.5M |
|---|---|
| Net Profit | $33.5M |
| Gross Margin | N/A |
| Operating Margin | 20.9% |
| Report Period | Q4 FY2024 |
Revenue Breakdown
PATHWARD FINANCIAL, INC. Q4 FY2024 revenue of $179.5M breaks down across 4 segments, led by Consumer at $92.7M (51.6% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Consumer | $92.7M | 51.6% |
| Other | $47.2M | 26.3% |
| Payment Card And Deposit Fees | $26.4M | 14.7% |
| Rental Income | $13.2M | 7.4% |
PATHWARD FINANCIAL, INC. Revenue by Segment — Quarterly Trend
PATHWARD FINANCIAL, INC. revenue by segment across the last 4 reported quarters, showing how each business line (such as Consumer and Other) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Consumer | $103.0M | $105.2M | $117.7M | $189.7M |
| Other | $24.2M | $41.8M | $10.9M | $6.4M |
| Payment Card And Deposit Fees | $30.1M | $27.8M | $37.3M | $30.8M |
| Rental Income | $11.6M | $11.9M | $12.9M | $13.2M |
PATHWARD FINANCIAL, INC. Annual Revenue by Year
PATHWARD FINANCIAL, INC. annual revenue history includes year-by-year totals (for example, 2025 revenue was $839.9M).
| Year | Annual Revenue |
|---|---|
| 2025 | $839.9M |
| 2024 | $797.4M |
| 2023 | $727.7M |
| 2022 | $601.1M |
PATHWARD FINANCIAL, INC. Quarterly Revenue & Net Profit History
PATHWARD FINANCIAL, INC. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $173.1M | -0.2% | $35.2M | 20.3% |
| Q4 FY2025 | $186.7M | +4.0% | $38.8M | 20.8% |
| Q3 FY2025 | $195.8M | +3.8% | $42.1M | 21.5% |
| Q2 FY2025 | $274.8M | +6.7% | $75.0M | 27.3% |
| Q1 FY2025 | $182.6M | +6.4% | $30.0M | 16.4% |
| Q4 FY2024 | $179.5M | -2.5% | $33.5M | 18.7% |
| Q3 FY2024 | $188.6M | +14.2% | $44.9M | 23.8% |
| Q2 FY2024 | $257.6M | +12.8% | $69.9M | 27.1% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $257.6M | $188.6M | $179.5M | $182.6M | $274.8M | $195.8M | $186.7M | $173.1M |
| YoY Growth | 12.8% | 14.2% | -2.5% | 6.4% | 6.7% | 3.8% | 4.0% | -0.2% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $7.42B | $7.51B | $7.53B | $7.60B | $6.99B | $7.23B | $7.17B | $7.56B |
| Liabilities | $6.70B | $6.77B | $6.71B | $6.85B | $6.18B | $6.41B | $6.31B | $6.71B |
| Equity | $719.5M | $748.4M | $822.5M | $758.3M | $814.7M | $819.0M | $858.0M | $854.5M |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $203.0M | $113.2M | $143.1M | $-71.7M | $188.3M | $30.4M | $303.7M | $108.3M |