# Pathward Financial, Inc.: overview

CASH · Nasdaq · CIK 907471 · [Financials](/sectors/financials.md) · fiscal year ends Sep 30

Pages: [Overview](/companies/cash.md) · [Financials](/companies/cash/financials.md) · [Filings](/companies/cash/filings.md) · [Insiders](/companies/cash/insiders.md)

Latest reported revenue: [$189.6m](/filings/0000907471-26-000034.md) for Q3 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 6, 2026 (XBRL us-gaap:Revenues, accession 0000907471-26-000034).

## Last eight quarters

| Line item | Unit | Q4 FY2024 (2024-09-30) | Q1 FY2025 (2024-12-31) | Q2 FY2025 (2025-03-31) | Q3 FY2025 (2025-06-30) | Q4 FY2025 (2025-09-30) | Q1 FY2026 (2025-12-31) | Q2 FY2026 (2026-03-31) | Q3 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [180 d](/filings/0000907471-25-000116.md) | [183](/filings/0000907471-26-000011.md) | [275](/filings/0000907471-26-000025.md) | [196](/filings/0000907471-26-000034.md) | [187 d](/filings/0000907471-25-000116.md) | [173](/filings/0000907471-26-000011.md) | [276](/filings/0000907471-26-000025.md) | [190](/filings/0000907471-26-000034.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [18.7% d](/filings/0000907471-25-000116.md) | [16.4%](/filings/0000907471-26-000011.md) | [27.3%](/filings/0000907471-26-000025.md) | [21.5%](/filings/0000907471-26-000034.md) | [20.8% d](/filings/0000907471-25-000116.md) | [20.3%](/filings/0000907471-26-000011.md) | [26.4%](/filings/0000907471-26-000025.md) | [15.3%](/filings/0000907471-26-000034.md) |
| Diluted EPS | $ per share | [1.34](/filings/0000907471-25-000116.md) | [1.23](/filings/0000907471-26-000011.md) | [3.14](/filings/0000907471-26-000025.md) | [1.81](/filings/0000907471-26-000034.md) | [1.69](/filings/0000907471-25-000116.md) | [1.57](/filings/0000907471-26-000011.md) | [3.35](/filings/0000907471-26-000025.md) | [1.37](/filings/0000907471-26-000034.md) |
| Free cash flow | $m | [139 d](/filings/0000907471-25-000116.md) | [(73.8)](/filings/0000907471-26-000011.md) | [185 d](/filings/0000907471-26-000025.md) | [27.7 d](/filings/0000907471-26-000034.md) | [300 d](/filings/0000907471-25-000116.md) | [104](/filings/0000907471-26-000011.md) | [231 d](/filings/0000907471-26-000025.md) | [48.6 d](/filings/0000907471-26-000034.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 12-month figure less the 9-month figure; 6-month figure less the 3-month figure; 9-month figure less the 6-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-09-30) | FY2022 (2022-09-30) | FY2023 (2023-09-30) | FY2024 (2024-09-30) | FY2025 (2025-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [550](/filings/0000907471-22-000156.md) | [601](/filings/0000907471-23-000138.md) | [728](/filings/0000907471-25-000083.md) | [797](/filings/0000907471-25-000116.md) | [840](/filings/0000907471-25-000116.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [25.8%](/filings/0000907471-23-000138.md) | [25.1%](/filings/0000907471-25-000083.md) | [19.7%](/filings/0000907471-25-000116.md) | [23.0%](/filings/0000907471-25-000116.md) | [22.1%](/filings/0000907471-25-000116.md) |
| Diluted EPS | $ per share | [4.38](/filings/0000907471-23-000138.md) | [5.09](/filings/0000907471-25-000083.md) | [5.24](/filings/0000907471-25-000116.md) | [7.20](/filings/0000907471-25-000116.md) | [7.87](/filings/0000907471-25-000116.md) |
| Free cash flow | $m | [569](/filings/0000907471-23-000138.md) | [282](/filings/0000907471-25-000083.md) | [319](/filings/0000907471-25-000116.md) | [479](/filings/0000907471-25-000116.md) | [439](/filings/0000907471-25-000116.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/cash/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $270.3m | 3,104,464 |  | Reduced −55,195 |
| [FMR LLC](/funds/315066.md) | 2026-06-30 | $157.0m | 1,803,772 |  | Reduced −152,743 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $125.3m | 1,438,880 |  | Added +110,092 |
| [AMERICAN CENTURY COMPANIES INC](/funds/748054.md) | 2026-06-30 | $110.6m | 1,269,975 |  | Added +131,514 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $92.7m | 1,064,854 |  | Reduced −28,484 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $63.8m | 733,095 |  | Added +33,350 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $63.5m | 729,199 |  | Reduced −20,965 |
| [EARNEST PARTNERS LLC](/funds/1102578.md) | 2026-06-30 | $49.5m | 568,923 |  | Reduced −4,589 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $38.6m | 443,000 |  | Added +6,556 |
| [NEUMEIER POMA INVESTMENT COUNSEL LLC](/funds/1044936.md) | 2026-06-30 | $30.6m | 351,870 |  | Reduced −4,330 |

## Recent filings

[All 1,365 filings](/companies/cash/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-21 | 16:05 ET | [8-K](/filings/0000907471-26-000042.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000907471-26-000042 |
| 2026-09-17 | 16:15 ET | [8-K](/filings/0000907471-26-000039.md) | 5.02 Departure or appointment of officers or directors | 0000907471-26-000039 |
| 2026-08-20 | 09:00 ET | [8-K](/filings/0000907471-26-000037.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0000907471-26-000037 |
| 2026-08-06 | 16:16 ET | [10-Q](/filings/0000907471-26-000034.md) | Quarterly report, period 2026-06-30 | 0000907471-26-000034 |
| 2026-07-22 | 16:05 ET | [8-K](/filings/0000907471-26-000032.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000907471-26-000032 |
| 2026-05-21 | 09:00 ET | [8-K](/filings/0000907471-26-000027.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0000907471-26-000027 |
| 2026-05-07 | 16:18 ET | [10-Q](/filings/0000907471-26-000025.md) | Quarterly report, period 2026-03-31 | 0000907471-26-000025 |
| 2026-04-22 | 16:05 ET | [8-K](/filings/0000907471-26-000023.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000907471-26-000023 |
| 2026-02-26 | 09:00 ET | [8-K](/filings/0000907471-26-000019.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0000907471-26-000019 |
| 2026-02-25 | 16:15 ET | [8-K](/filings/0000907471-26-000016.md) | 5.07 Shareholder vote results | 0000907471-26-000016 |

## Latest annual report

[Form 10-K for the fiscal year ended Sep 30, 2025](/filings/0000907471-25-000116.md), filed Nov 25, 2025.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 907471
- Tickers: CASH
- Exchange: Nasdaq
- SIC code: 6021 National Commercial Banks
- State of incorporation: DE
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 30, 2026, 12:40 ET. No prices; not investment advice.