CASH - NASDAQ

Pathward Financial, Inc.

CASH·NASDAQ

$77.74

-3.9%

Financial ServicesBanks - Regional

Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, money market savings accounts, and certificate accounts. It also provides commercial finance product comprising term lending, asset based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is headquartered in Sioux Falls, South Dakota.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$1.64B

EPS7.9100

P/E Ratio9.83

Earnings Date07/27/2026

7.17B

Assets

-5%

3Y+6.0%

5Y+18.0%

10Y+79.0%

6.31B

Total Liabilities

-6%

3Y+3.0%

5Y+20.0%

10Y+72.0%

857.45M

Total Equity

3Y+33.0%

5Y+1.0%

10Y+156.0%

Pathward Financial, Inc. Funding & Solvency Profile

CASH · NASDAQ

Current Assets

Cash & Cash Equivalents120.57M

Net Receivables187.76M

Inventory0.00

Other Current Assets0.00

Total Current Assets1 B

Non-Current Assets

Property, Plant & Equipment200.08M

Goodwill & Intangible Assets310.43M

Long-Term Investments5.03B

Other Non-Current Assets354.59M

Total Non-Current Assets6 B

Total Assets

7.17B

Financial Health Analysis

Current Ratio

0.22x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.36x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-4614613000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

18% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Pathward Financial, Inc. Balance Sheet

CASH • NASDAQ

Pathward Financial, Inc. Balance Sheet	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	120.6M	158.3M	375.6M	388M	314M	427.4M	126.5M	100M	1.3B	773.8M	27.7M	29.8M	40.1M	145.1M	276.9M	87.5M	6.2M	3M	11.3M	107.5M
Short-Term Investments	973M	1.7B	1.8B	1.9B	1.9B	814.5M	889.9M	1.5B	1.1B	910.3M	679.5M	482.3M	299.8M	435.3M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	1.1B	1.9B	2.2B	2.3B	2.2B	1.2B	1B	1.6B	2.4B	1.7B	707.2M	512.2M	339.9M	580.3M	276.9M	87.5M	6.2M	3M	11.3M	107.5M
Net Receivables	187.8M	183.6M	206.7M	228.7M	282.3M	16.6M	20.4M	22M	19.4M	17.2M	18.7M	15.4M	12.7M	13.1M	14.1M	16.5M	13.8M	14.5M	4.2M	4.1M
Accounts Receivables	38.5M	31.4M	23.3M	18M	16.3M	16.6M	20.4M	22M	19.4M	17.2M	18.7M	15.2M	12.3M	12.5M	11.8M	12.8M	9.7M	8.4M	4.2M	4.1M
Other Receivables	149.2M	152.2M	183.4M	210.7M	266.1M	0.0	0.0	0.0	0.0	0.0	0.0	269K	400K	581K	2.3M	3.7M	4.1M	6.1M	0.0	0.0
Prepaids	0.0	0.0	0.0	0.0	10.5M	8.3M	9.5M	27.9M	28.4M	9.4M	9.4M	9.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	1.3B	2.1B	2.4B	2.5B	2.5B	1.3B	1B	1.6B	2.4B	1.7B	735.2M	537.1M	352.6M	593.4M	291M	104M	20M	17.4M	15.5M	111.5M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	200.1M	244.4M	250.9M	246.1M	258M	247.6M	254.5M	147.7M	19.3M	18.6M	17.4M	16.5M	17.7M	17.7M	17.2M	19.4M	22M	22M	19.7M	16.9M
Goodwill	297.9M	309.5M	309.5M	309.5M	309.5M	309.5M	309.5M	303.3M	98.7M	36.9M	36.9M	0.0	0.0	0.0	0.0	0.0	13.8M	2.2M	4.2M	4.1M
Intangible Assets	12.5M	16.6M	20.7M	25.7M	33.1M	41.7M	52.8M	70.7M	52.2M	28.9M	33.6M	2.6M	2.3M	2M	1.3M	16.5M	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	310.4M	326.1M	330.2M	335.2M	342.7M	351.2M	362.3M	374M	150.9M	65.8M	70.5M	2.6M	2.3M	2M	1.3M	2.7M	2.2M	2.2M	1.5M	1.5M
Long-Term Investments	5B	4.6B	4.2B	3.3B	3.4B	4B	4.3B	3.5B	2.5B	2.1B	1.6B	1.4B	1.3B	1B	933.7M	872.9M	756.4M	631.8M	514.3M	547.3M
Tax Assets	0.0	0.0	0.0	0.0	25.2M	17.7M	18.9M	18.7M	9.1M	0.0	7M	6.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	354.6M	296.1M	320.5M	324.1M	205M	212.4M	205.1M	177.4M	158.9M	112.9M	71M	57.5M	68.5M	27.3M	32.4M	30.8M	34.1M	36.8M	135M	63.7M
Total Non-Current Assets	5.9B	5.5B	5.1B	4.2B	4.2B	4.8B	5.1B	4.2B	2.8B	2.3B	1.8B	1.5B	1.3B	1.1B	984.5M	925.7M	814.8M	692.8M	670.6M	629.4M
Total Assets	7.2B	7.5B	7.5B	6.7B	6.7B	6.1B	6.2B	5.8B	5.2B	4B	2.5B	2.1B	1.7B	1.6B	1.3B	1B	834.8M	710.2M	686.1M	741.1M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	579K	1.9M	9.4M	7.8M	2.3M	875K	272K	318K	291K	177K	223K	392K	447K	578K	842K	895K
Accounts Payable	0.0	0.0	0.0	0.0	579K	1.9M	9.4M	7.8M	2.3M	875K	272K	318K	291K	177K	223K	392K	447K	578K	842K	895K
Accrued Expenses	0.0	0.0	248.9M	200.2M	211M	165.4M	130.7M	133.8M	78.1M	48.3M	36.8M	14.3M	16.6M	73.6M	20M	14.7M	12.2M	12.1M	0.0	0.0
Short Term Debt	9M	377M	13M	0.0	0.0	0.0	642M	425.7M	1.4B	1.1B	544M	480.4M	199.1M	26.4M	8.1M	8.9M	6.7M	5.3M	224K	25.5M
Capital Lease Obligations (Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	65K	62K	79K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	5.9B	5.9B	6.6B	5.9B	5.5B	5B	4.3B	4.4B	3.2B	2.4B	1.7B	1.4B	1.3B	1.4B	1.1B	897.5M	653.7M	499.8M	523M	538.2M
Total Current Liabilities	5.9B	6.3B	6.9B	6.1B	5.7B	5.1B	5.1B	5B	4.7B	3.6B	2.2B	1.9B	1.5B	1.5B	1.2B	921.4M	673.1M	517.9M	524M	564.6M
NON-CURRENT LIABILITIES
Long Term Debt	33.5M	33.4M	33.9M	36M	92.8M	87.5M	197.3M	87.2M	83.7M	90.5M	17.3M	17.3M	17.3M	21.3M	21.3M	32.3M	85.1M	142.3M	78.3M	89.3M
Other Non-Current Liabilities	385.5M	424.3M	0.0	0.0	-5.8M	0.0	0.0	0.0	0.0	0.0	331K	331K	331K	1.7M	3.6M	4M	29.3M	4.3M	35.6M	42M
Total Non-Current Liabilities	418.9M	457.6M	33.9M	36M	92.3M	98.2M	215.8M	89M	85.5M	97.1M	19.8M	17.6M	17.6M	23M	25M	36.3M	114.4M	146.6M	113.9M	131.3M
Capital Lease Obligations	0.0	0.0	0.0	0.0	5.2M	10.8M	18.5M	1.9M	1.9M	2M	2.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	6.3B	6.7B	6.9B	6.1B	5.8B	5.2B	5.3B	5.1B	4.8B	3.7B	2.3B	1.9B	1.5B	1.5B	1.2B	957.7M	787.4M	664.5M	638M	695.8M
SHAREHOLDERS' EQUITY
Treasury Stock	-4.9M	-249K	-344K	-4.8M	-860K	-3.7M	-445K	-2M	-266K	0.0	-310K	-727K	-1M	-2.3M	-3.8M	-4.4M	-6M	-6.8M	-7M	-7.8M
Common Stock	228K	248K	262K	288K	317K	344K	378K	393K	288K	85K	82K	62K	61K	56K	34K	34K	30K	30K	30K	30K
Additional Paid-In Capital	648.3M	638.8M	628.5M	617.4M	604.5M	594.6M	580.8M	565.8M	258.3M	184.8M	170.7M	95.1M	93M	78.8M	32.5M	32.4M	23.6M	23.1M	22M	21M
Retained Earnings	359.8M	354.5M	278.7M	245.4M	259.2M	234.9M	252.8M	213M	167.2M	127.2M	98.4M	83.8M	71.3M	60.8M	45.5M	42.5M	31.6M	34.4M	36.8M	37.2M
Accumulated Other Comprehensive Income/Loss	-145.5M	-153.4M	-255.4M	-213.1M	7.6M	17.5M	6.3M	-33.1M	9.2M	22.9M	2.5M	-3.4M	-20.3M	8.5M	6.3M	1.6M	-1.8M	-5M	-3.7M	-5.1M
Total Stockholders' Equity	858M	839.9M	651.6M	645.2M	870.7M	843.7M	839.9M	744.2M	434.5M	335M	271.3M	174.8M	143M	145.9M	80.6M	72M	47.3M	45.7M	48.1M	45.3M
Total Equity	857.5M	839.6M	650.6M	645.1M	871.9M	847.3M	844M	747.7M	434.5M	335M	271.3M	174.8M	143M	145.9M	80.6M	72M	47.3M	45.7M	48.1M	45.3M
Minority Interest	-591K	-277K	-1M	-30K	1.2M	3.6M	4M	3.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	7.2B	7.5B	7.5B	6.7B	6.7B	6.1B	6.2B	5.8B	5.2B	4B	2.5B	2.1B	1.7B	1.6B	1.3B	1B	834.8M	710.2M	686.1M	741.1M
Total Investments	6B	6.3B	6.1B	5.2B	5.3B	4.8B	5.2B	5B	3.6B	3B	2.3B	1.9B	1.6B	1.4B	933.7M	872.9M	756.4M	631.8M	514.3M	547.3M
Total Debt	42.5M	410.4M	46.9M	36M	98M	98.2M	861.9M	514.7M	1.5B	1.2B	561.3M	497.7M	216.5M	47.7M	29.4M	41.2M	91.8M	147.7M	78.3M	114.8M
Net Debt	-78.1M	252M	-328.7M	-352M	-216M	-329.1M	735.3M	414.7M	222.5M	413.7M	533.7M	467.9M	176.4M	-97.3M	-247.5M	-46.3M	85.6M	144.7M	67M	7.3M
Shares Outstanding	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682	879,682

SEC Filings

CASH - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 21, 2026	May 21, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 25, 2026	February 24, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 05, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 22, 2026	January 22, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	January 14, 2026	February 24, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 30, 2025	December 23, 2025	2025	View Filing
10-K 10-K 2025 FY FY	November 25, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 559 filings

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