🫧 Edgar looked up PATHWARD FINANCIAL, INC. ($CASH). Last filing: 8-K (5.02 Departure or Election of Directors; Appointment of Officers), 2026-09-17. 11 event filings (8-K) in the past twelve months. Auditor change (8-K Item 4.01) filed 2025-12-30. Non-reliance (8-K Item 4.02) filed 2025-07-02.
🔖 Exposure: revenue $839.9M (FY2025), total debt $33.5M. Experience: revenue up 5.3% on the year, up 11.2% a year over 4 years. Soundness: equity 12.0% of assets, return on equity 21.8%, payout 2.5% of profit. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $719.2M and $1.2B next year (method v3, set from 4,309 SEC company-years; on a year the method never saw, 83% landed inside). A range, not a forecast. Against peers (20 filers, $50M+ revenue, national commercial banks): growth 5.3% against 7.2%.
Gold is paid out to shareholders; navy is kept in the business. Retained profit times return on equity is the pace a company can fund from itself. Facts from the filings, not a recommendation.
| Fiscal year end | 2025-09-30 |
| Revenue | $840M |
| Revenue, on the year | 5.3% |
| Revenue, a year over the record | 11.2% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 22.2% |
| Research and development | not filed separately |
| Free cash flow | $439M |
| Cash | $121M |
| Total debt | $33M |
| Equity of assets | 12.0% |
| Return on equity | 21.8% |
| Payout of profit | 2.5% |
| Dividend per share | $0.2 |
| Audited years read | 5 |
Peers: the median of 20 filers with $50M+ revenue in national commercial banks.
Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets, no buy or sell views. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company
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