Touchstone
Last syncNov 1, 2026, 6:55 PM ET

CASH

Pathward Financial, Inc. Financials National Commercial Banks Russell 3000
$75.31Close $66.35 – $99.8752-week range Jan 20, 2027Next report · estimated

Highlights

Cautions

  • Not in an uptrend 2 of 8 trend conditions
  • Lagging the market RS 26 · weaker than 74% of stocks over 12 months
  • Earnings shrinking EPS −25% year on year

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Sep 30, 2025 · filed Aug 6, 2026
Off 12-month high 25%
1wk down 2.8% price change
1mo up 5.9% price change
12-month return up 10% market up 11% · its own 0%
F-score — — Not assessed
Altman Z — Unknown
P/E — price / earnings
PEG — P/E / EPS growth
P/B — price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 5% year on year
EPS growth down 25% latest quarter · -31 pts
Sales growth down 3% latest quarter · -4 pts
ROE up 22% return on equity
Free cash margin —
D/E 0.04 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 2.7% $2.02 a day · 2×ATR $71.28
RS 26 / 99 vs the universe
Trend 2 / 8 trend template
Relative volume 0.8× vs 50-day average
Up/down volume 0.72 50 sessions
Implied move — no scheduled report
Trend template · 2 of 8
  • 200-day average rising for a month: passes
  • Within 25% of the 52-week high: passes

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 21, 2026
Results reaction Oct 21, 2026+4% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $839.9M +5% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $498.8M FY2021 · $549.9M FY2022 · $601.1M FY2023 · $727.7M FY2024 · $797.4M FY2025 · $839.9M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $185.9M +1% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $104.7M FY2021 · $141.7M FY2022 · $151.1M FY2023 · $143.3M FY2024 · $183.2M FY2025 · $185.9M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 22%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 21% FY2021 · Net 26% FY2022 · Net 25% FY2023 · Net 20% FY2024 · Net 23% FY2025 · Net 22%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $427.4M · Long-term debt $98.2M FY2021 · Cash $314.0M · Long-term debt $92.8M FY2022 · Cash $388.0M · Long-term debt $36.0M FY2023 · Cash $375.6M · Long-term debt $33.9M FY2024 · Cash $158.3M · Long-term debt $33.4M FY2025 · Cash $120.6M · Long-term debt $33.5M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology
34.36m 0 FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 34.36m FY2021 FY2022 FY2023 · 0 FY2024 FY2025
  FY2020Sep 30, 2020 FY2021Sep 30, 2021 FY2022Sep 30, 2022 FY2023Sep 30, 2023 FY2024Sep 30, 2024 FY2025Sep 30, 2025
Revenue $498.8M $549.9M $601.1M $727.7M $797.4M $839.9M
Net income $104.7M $141.7M $151.1M $143.3M $183.2M $185.9M
Net margin 21% 26% 25% 20% 23% 22%
Earnings per share $3.01 $4.46 $5.17 $5.32 $7.27 $7.90
Cash $427.4M $314.0M $388.0M $375.6M $158.3M $120.6M
Long-term debt $98.2M $92.8M $36.0M $33.9M $33.4M $33.5M
Shareholders' equity $843.7M $870.7M $633.2M $619.4M $822.5M $858.0M
Shares outstanding 34.36m — — 0 — —

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Feb 5, 2026 Quarterly ↗ Dec 31, 2025 36d
Nov 25, 2025 Annual ↗ Sep 30, 2025 56d
Sep 16, 2025 Quarterly ↗ Jun 30, 2025 78d
Sep 10, 2025 Quarterly ↗ Mar 31, 2025 163d
Feb 6, 2025 Quarterly ↗ Dec 31, 2024 37d
Nov 26, 2024 Annual ↗ Sep 30, 2024 57d
Aug 6, 2024 Quarterly ↗ Jun 30, 2024 37d
May 7, 2024 Quarterly ↗ Mar 31, 2024 37d
Feb 8, 2024 Quarterly ↗ Dec 31, 2023 39d
Nov 21, 2023 Annual ↗ Sep 30, 2023 52d

Current reports

FiledDisclosed
Oct 21, 2026 Results · Regulation FD ↗
Sep 17, 2026 Director or officer change ↗
Aug 20, 2026 Other events ↗
Jul 22, 2026 Results · Regulation FD ↗
May 21, 2026 Other events ↗
Apr 22, 2026 Results · Regulation FD ↗
Feb 26, 2026 Other events ↗
Feb 25, 2026 Shareholder vote ↗
Jan 22, 2026 Results · Regulation FD ↗
Dec 30, 2025 Auditor change ↗
Nov 20, 2025 Other events ↗
Oct 21, 2025 Results · Regulation FD ↗