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PATHWARD FINANCIAL, INC.

CASH

$76.58 ▼ -2.42 (-3.07%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

PATHWARD FINANCIAL, INC. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.8B

Dividend Yield 0.26%

Revenue Growth 5.3% ↘

Op. Margin 26.6% ↘

ROIC None

FCF / Share None

Trailing P/E 9.7x

Price / Book 2.1x

FCF Yield —

Debt / Equity 0.05

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$839.89M

↑ +5.3% —

Net Income Profit after all expenses

$185.87M

↑ +1.4% —

Operating Margin Operating profit as % of sales

26.6%

↓ -3.1% 83th

Long-Term Debt Long-term obligations

$33.46M

— +0.3% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.20 Latest / share

+0.0% YoY

-8.3% 12-yr CAGR

$0.52

FY 2014

$0.52

FY 2015

$0.52

FY 2016

$0.17

FY 2017

$0.18

FY 2018

$0.20

FY 2019

$0.20

FY 2020

$0.20

FY 2021

$0.20

FY 2022

$0.20

FY 2023

$0.20

FY 2024

$0.20

FY 2025

Financial view

Statement lens

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Revenue Growth YoY (%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-11%)	13.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+120%)	17.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+186%)	9.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+55%)	10.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+71%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	54.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+808%)	18.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+212%)	49.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+717%)	51.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+762%)	19.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+230%)	7.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	-11.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-290%)	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+109%)	-29.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-595%)	21.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+252%)	—	—
EPS Growth YoY (%)	9.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	20.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	20.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	49.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	48.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-58.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	46.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	4.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	7.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-51.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	231.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-64.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	1.4% Caution ↓ Caution Declining Year-over-year change in net income	12.0% Fair ↓ Fair Declining Year-over-year change in net income	4.6% Caution ↓ Caution Declining Year-over-year change in net income	10.4% Fair ↓ Fair Declining Year-over-year change in net income	35.3% Excellent → Excellent Stable Year-over-year change in net income	8.0% Fair ↓ Fair Declining Year-over-year change in net income	87.9% Excellent ↑ Excellent Improving Year-over-year change in net income	14.9% Fair ↓ Fair Declining Year-over-year change in net income	35.2% Excellent ↓ Excellent Declining Year-over-year change in net income	84.0% Excellent ↑ Excellent Improving Year-over-year change in net income	14.9% Fair ↓ Fair Declining Year-over-year change in net income	17.1% Good ↓ Good Declining Year-over-year change in net income	-21.6% Weak ↓ Weak Declining Year-over-year change in net income	268.8% Excellent Excellent Year-over-year change in net income	-62.6% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.2% Good → Good Stable Compound annual revenue growth over 3 years	12.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	20.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	23.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	39.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	39.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	39.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	24.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	4.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-11.2% Weak Weak Compound annual revenue growth over 3 years	-1.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	11.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	17.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	17.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	25.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	33.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	37.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	28.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	20.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	-2.1% Weak Weak Compound annual revenue growth over 5 years	-1.9% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	14.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	18.1% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	26.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	28.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	37.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	22.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-14.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	17.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-18.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	19.9% Excellent Excellent Compound annual EPS growth over 3 years	-17.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Operating Margin (%) (%)	26.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	27.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	25.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	31.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	28.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	23.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	20.1% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	18.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	20.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	21.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	16.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	19.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	25.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	9.0% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	15.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	—	—
Effective Tax Rate (%) (%)	16.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.4% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	43.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	22.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	26.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	25.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	21.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	16.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	16.9% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	18.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	15.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	16.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	14.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	16.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	5.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	9.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	-1.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	21.7% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+81%)	22.3% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+86%)	25.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+109%)	24.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+102%)	16.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	9.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	11.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	17.2% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+43%)	-3.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-126%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Debt to Equity (x)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	1.03x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Revenue per Share (USD)	$35.90	$31.68	$26.25	$20.57	$17.33	$13.99	$12.52	$10.25	$9.51	$20.96	$17.45	$16.03	$16.36	$29.85	$29.47	$44.50	—	—
Basic EPS, GAAP (USD)	$7.91	$7.21	$6.01	$5.26	$4.38	$2.94	$2.49	$1.68	$1.62	$3.93	$2.68	$2.57	$2.40	$4.94	$1.49	$4.23	$-0.56	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.18	$0.17	$0.52	$0.52	$0.52	$0.52	$0.52	$0.52	$0.52	$0.52	—
Book Value per Share (USD)	$36.67	$32.68	$24.28	$22.07	$27.44	$24.55	$22.22	$19.00	$15.05	$39.30	$33.24	$28.33	$23.55	$26.79	$25.61	$24.56	—	—
Tangible Book Value per Share (USD)	$23.94	$20.38	$11.98	$11.48	$16.64	$14.33	$12.63	$9.45	$9.82	$31.57	$26.01	$27.91	$23.55	$26.79	$25.61	$24.56	—	—
Basic Weighted Avg Shares (shares)	23.40M	25.17M	26.83M	29.23M	31.73M	35.65M	38.88M	30.74M	27.91M	8.50M	6.73M	6.11M	5.59M	3.46M	3.11M	2.93M	—	—
Dividend Payout Ratio (%)	2.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	2.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-92.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$33.46M	$33.35M	$33.87M	$36.03M	$92.83M	$98.22M	$215.84M	$88.96M	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$858.04M	$822.47M	$651.63M	$645.17M	$870.73M	$843.71M	$839.91M	$744.15M	$434.50M	$334.98M	$271.33M	$174.80M	$142.98M	$145.86M	$80.58M	$72.04M	$47.34M	$45.73M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$839.89M	$797.41M	$704.46M	$601.13M	$549.89M	$498.83M	$486.75M	$315.07M	$265.40M	$178.07M	$117.39M	$98.00M	$91.53M	$103.31M	$91.80M	$130.53M	$107.79M	—
Depreciation Expense (USD)	$9.60M	$10.20M	$11.10M	$11.30M	$9.60M	$9.20M	$8.60M	$5.70M	$5.50M	$5.40M	$4.60M	$3.50M	$3.30M	$3.50M	$3.80M	$3.70M	—	—
Net Income, GAAP (USD)	$185.87M	$183.22M	$163.62M	$156.39M	$141.71M	$104.72M	$97.00M	$51.62M	$44.92M	$33.22M	$18.05M	$15.71M	$13.42M	$17.11M	$4.64M	$12.39M	$-1.46M	—
Operating Cash Flow (USD)	$450.62M	$488.81M	$303.11M	$268.81M	$581.64M	$467.22M	$191.01M	$137.75M	$119.99M	$78.50M	$48.96M	—	$-23.07M	$79.99M	$21.86M	$34.57M	$22.80M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Net Interest Margin (approx.) (%)	7.1%	6.6%	5.1%	4.6%	4.2%	4.3%	4.3%	2.2%	1.8%	1.9%	2.3%	2.3%	2.1%	2.0%	2.7%	3.2%	—	—
Efficiency Ratio (%) (%)	66.7%	65.3%	66.0%	64.1%	62.5%	64.0%	68.4%	72.4%	75.2%	75.6%	82.2%	79.8%	81.3%	73.0%	90.7%	72.7%	84.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 68 quarters

PATHWARD FINANCIAL, INC.

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18-Year Financial Trajectory

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