CASH - NASDAQ
Pathward Financial, Inc.
$77.74
-3.9%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.
At a Glance
Live SnapshotPathward Financial, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Capital-intensive operations require significant reinvestment. Monitor whether CapEx is maintenance or growth-oriented.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Pathward Financial, Inc. Cash Flow Statement
CASH • NASDAQ
| Pathward Financial, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
186.8M | 168.4M | 165.8M | 159.4M | 145.7M | 109.3M | 101.3M | 52.3M | 44.9M | 33.2M | 18.1M | 15.7M | 13.4M | 17.1M | 4.6M | 12.4M | -1.5M | -1M | 1.3M | 3.4M | |
59.7M | 57.8M | 65M | 61.6M | 59M | 60.7M | 55.1M | 37.7M | 45M | -22K | 28.9M | 18.1M | 21.1M | 20.3M | 9.8M | 11.4M | 6M | 3.2M | 2.6M | 3M | |
16.8M | 11.1M | -175K | 17.6M | -1.6M | -2.3M | -14.3M | 6.5M | -6.3M | -230K | -3.9M | -1.8M | -395K | 988K | -938K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
9.5M | 10.3M | 11.1M | 10M | 6.9M | 10.2M | 12.9M | 11.1M | 10.4M | 426K | 258K | 874K | 0.0 | 0.0 | 0.0 | 0.0 | 440K | 901K | 0.0 | 0.0 | |
297.4M | 34.4M | -23.5M | 55.2M | 328.4M | 262.6M | 24M | 54M | 21.5M | -33.9M | 3.1M | 1.1M | -1.4M | -11.2M | 1M | 10.9M | 18.4M | 8.7M | 521K | 1.1M | |
(19.1M) | (20.4M) | (15.4M) | (13.9M) | (9M) | (7M) | (0.0) | (8.9M) | (20.1M) | (5.9M) | (5.3M) | (4.5M) | (3.8M) | (8.4M) | (3.3M) | (3.6M) | (2.6M) | (470K) | (0.0) | (0.0) | |
-119.6M | 171.6M | 84.9M | -34.9M | 43.3M | 26.6M | 11.9M | -23.9M | 4.4M | 536K | 2.8M | -7.4M | -55.8M | 52.7M | 7.4M | -185K | -434K | -43.9M | -1.9M | 886K | |
450.6M | 453.5M | 303.1M | 268.8M | 581.6M | 467.2M | 191M | 137.8M | 120M | 55K | 49M | 25.8M | -23.1M | 80M | 21.9M | 34.6M | 22.9M | -33.1M | 2.5M | 8.4M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-214M | -276.8M | -449.9M | -438.9M | -64M | -65.9M | -158.4M | -25.4M | -6.8M | -7M | -5M | -2.3M | -5.3M | -4.1M | -1.8M | -2.3M | -3.7M | -5.2M | -4.7M | -3.8M | |
(608.5M) | (0.0) | (0.0) | (0.0) | (0.0) | (3.5M) | (0.0) | (58.9M) | -29.4M | -81M | -115.5M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -33.7M | (0.0) | |
-2.3M | -3.5M | -156.9M | -907.4M | -1B | -229.3M | -299.3M | -626.6M | -849.5M | -902.9M | -883.4M | -506.5M | -514.8M | -1.4B | -289.8M | -437.3M | -287.1M | -106.9M | -87.2M | -109K | |
406.7M | 205M | 182.1M | 604.5M | 456.6M | 282.2M | 954.7M | 799.4M | 635.2M | 0.0 | 700.8M | 265.4M | 400.3M | 896.8M | 181.4M | 296.7M | 130.7M | 54.3M | 34.1M | 72.3M | |
-773M | -152.5M | -496.1M | 430.9M | -469.2M | -196.8M | -836.2M | -596.1M | -449.9M | 909.8M | -150.8M | -124.3M | -78.8M | -13.2M | 46.8M | 14.5M | 17.9M | 14.1M | 8.2M | 53.1M | |
(25.8M) | -227.7M | -920.8M | -310.9M | -1.1B | -206.3M | -339.2M | -389.8M | -700.4M | -81M | -453.9M | -367.8M | -198.7M | -514.3M | -63.9M | -130.2M | -142.2M | -43.6M | -83.3M | (121.5M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-163M | -86.9M | -120.4M | -168.2M | -99.9M | -118.7M | -49.9M | -2.6M | -458K | 14.3M | 51.5M | 2.3M | 15.3M | 47.8M | 575K | 0.0 | 0.0 | 199K | 540K | 187K | |
-368M | 364M | 13M | -55.1M | -32K | -757.8M | 274.9M | -427M | 307.9M | 75M | -116K | 0.0 | -4M | 0.0 | -11M | -77.8M | -32.2M | 64M | -36.3M | -62.6M | |
-4.7M | -5.1M | -5.4M | -5.9M | -6.4M | -7.1M | -7.8M | -5.7M | -4.8M | -4.4M | -3.5M | -3.2M | -2.9M | -1.8M | -1.6M | -1.5M | -1.4M | -1.3M | -1.3M | -1.3M | |
-163M | -86.9M | -120.4M | -168.2M | -99.9M | -118.7M | -49.9M | -2.6M | -470K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
22.7M | -715.3M | 717.7M | 347M | 529.2M | 923.6M | -42.4M | -480.3M | 776.1M | 11.8M | 406.1M | 334.9M | 108.4M | 256.5M | 243.5M | 256.3M | 154.7M | -4.2M | 21.7M | 27.9M | |
-513M | -443.2M | 604.9M | 117.8M | 422.9M | 40M | 174.9M | -915.6M | 1.1B | 82.4M | 402.8M | 331.8M | 116.7M | 302.5M | 231.5M | 177M | 122.5M | 58.7M | -15.4M | -35.8M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-1.2M | 81K | 331K | -1.7M | 476K | -101K | -122K | 3K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-37.8M | -217.2M | -12.5M | 74M | -113.3M | 300.8M | 26.6M | -1.2B | 493.8M | 1.4M | -2.2M | -10.2M | -105M | -131.8M | 189.4M | 81.3M | 3.2M | -17.9M | -96.2M | 95M | |
158.3M | 375.6M | 388M | 314M | 427.4M | 126.5M | 100M | 1.3B | 773.8M | 14.3M | 29.8M | 40.1M | 145.1M | 276.9M | 87.5M | 6.2M | 3M | 20.9M | 107.5M | 13.4M | |
120.6M | 158.3M | 375.6M | 388M | 314M | 427.4M | 126.5M | 100M | 1.3B | 15.7M | 27.7M | 29.8M | 40.1M | 145.1M | 276.9M | 87.5M | 6.2M | 3M | 11.3M | 107.5M | |
236.6M | 176.8M | -146.8M | -170.1M | 517.6M | 401.3M | 32.6M | 112.4M | 113.2M | -6.9M | 43.9M | 23.5M | -28.3M | 75.9M | 20M | 32.2M | 19.2M | -38.3M | -2.3M | 4.6M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 24, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 05, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | January 14, 2026 | February 24, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 30, 2025 | December 23, 2025 | 2025 | |
10-K 10-K 2025 FY FY | November 25, 2025 | September 30, 2025 | 2025 |
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