Pathward Financial, Inc. (CASH)

From the record

Pathward Financial, Inc.'s filings since 2017 show 7 warning events of 4 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2025-09-02); a warning not to rely on past financial statements (8-K item 4.02, the latest 2025-07-02); an auditor change (8-K item 4.01, 2 times, the latest 2025-12-30); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2025-08-11) (its current reports).

From the record

Pathward Financial, Inc.'s 10 filed years say what it did: revenue went from $81 million in fiscal 2016 to $523 million in fiscal 2025, up 23% a year; it rose in 7 of 9 years; the deepest fall was 12% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-09-30, Pathward Financial, Inc.'s diluted share count shrank about 7.0% a year, and dividends and buybacks returned about 1% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 5 sales and 0 purchases of their own stock on the open market in the year to 2026-11-09 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-09-30, Pathward Financial, Inc. earned about 22 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 6.7% over the year (the filed statements).

From the record

Pathward Financial, Inc.'s standing among 79 graded names in its industry family: revenue of $523 million in fiscal 2025 ranks in the bottom 42% by size; a net margin of 35.5% ranks in the top 7%; revenue growth of 16.7% a year over the last 3 filed years ranks in the bottom 42% (its annual reports).

From the record

Pathward Financial, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Pharr, Brett L. (Chief Executive Officer, as filed), filing under that title since 2021-10-19, 5.1 years (bottom 39% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 5.7 years (bottom 29%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (top 13%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Pathward Financial, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $121 million against debt of $33 million leaves 1.2% of its assets as net cash, bottom 34% of its family; cash from operations less capital spending is 83.9% of revenue (top 2%) (its annual report).

From the record

Pathward Financial, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16.7% a year over the last three filed years against 23% over all 10, slowing (bottom 3% of its family); the newest year grew 0.8% (bottom 34%); capital spending grew 12.6% a year (top 40%) (its annual reports). Pathward Financial, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Pathward Financial, Inc.'s newest year against its own record: revenue of $523 million in fiscal 2025 came in 19.7% below the $651 million its prior three years' pace pointed to (bottom 41% of its family); net income of $186 million against a prior three-year average of $159 million (bottom 40%); a net margin of 35.5% against 38.4% before (bottom 44%) (its annual reports).