{ "ok": true, "cik": "907471", "ticker": "CASH", "name": "PATHWARD FINANCIAL, INC.", "filings": [ { "form": "8-K", "filed": "2026-09-17", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers" ], "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747126000039/0000907471-26-000039-index.htm" }, { "form": "8-K", "filed": "2026-08-20", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747126000037/0000907471-26-000037-index.htm" }, { "form": "10-Q", "filed": "2026-08-06", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747126000034/0000907471-26-000034-index.htm" }, { "form": "8-K", "filed": "2026-07-22", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747126000032/0000907471-26-000032-index.htm" }, { "form": "8-K", "filed": "2026-05-21", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747126000027/0000907471-26-000027-index.htm" }, { "form": "10-Q", "filed": "2026-05-07", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747126000025/0000907471-26-000025-index.htm" } ], "events12m": 11, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000907471.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=907471" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets, no buy or sell views.", "edgar": "🫧 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.", "auditor": { "changes": [ { "filed": "2025-12-30", "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747125000118/0000907471-25-000118-index.htm" } ], "nonReliance": [ { "filed": "2025-07-02", "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747125000071/0000907471-25-000071-index.htm" } ], "restatedSince": true }, "metrics": { "fiscalYearEnd": "2025-09-30", "revenue": 839894000, "revenueGrowth1y": 0.05327484412073047, "revenueGrowthPerYear": 0.11169634291839792, "yearsOfData": 5, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 0.2223935401372078, "operatingCashFlow": 450619000, "capitalSpending": 11678000, "freeCashFlow": 438941000, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 120568000, "longTermDebt": 33456000, "longTermDebtChange": 0.003058103975535076, "revenueHistory": [ { "fiscalYearEnd": "2021-09-30", "revenue": 549895000 }, { "fiscalYearEnd": "2022-09-30", "revenue": 601131000 }, { "fiscalYearEnd": "2023-09-30", "revenue": 727675000 }, { "fiscalYearEnd": "2024-09-30", "revenue": 797412000 }, { "fiscalYearEnd": "2025-09-30", "revenue": 839894000 } ], "totalEquity": 858045000, "totalAssets": 7172344000, "equityRatio": 0.11963243815410973, "returnOnEquity": 0.21768904894265453, "dividendsPaid": 4686000, "payoutRatio": 0.025087399015991475, "dividendPerShare": 0.2, "dividendYearsRising": 0, "dividendCut": false, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "range80": { "low": 719223984.6074437, "high": 1155973843.4144487, "baseline": 911795112.331952, "n": 4309, "band": "b01" }, "ifPaceHeld": { "low": 719223984.6074437, "high": 1155973843.4144487 } }, "edgarette": "🔖 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%.", "peers": { "sic": 6021, "sicDescription": "National Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6021", "growth": [ 0.0717, 20 ], "equityRatio": [ 0.1055, 19 ], "returnOnEquity": [ 0.1028, 18 ], "payoutRatio": [ 0.4022, 16 ] }, "summary": "Pathward Financial (CASH) grew revenue 5.3% in FY2025 to $840 million, equity 12.0% of assets. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
PATHWARD FINANCIAL, INC. against its own record and its peers
Revenue, on the yearPeer median 7.2%5.3%Equity of assetsPeer median 10.5%12.0%Return on equityPeer median 10.3%21.8%Payout of profitPeer median 40.2%2.5%Gold tick: the median of 16–19 peers with $50M+ revenue in national commercial banks
", "chartHorizon": "
Handed back now, or kept to compound
Of each dollar of profit2.5% paid out97.5% keptHanded back per share$0.2Growth its own profit can fund21.2%retained x return on equityRevenue growth it managed5.3%last year, for comparison

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.

", "backtest": { "tests": 3, "hits": 3, "rate": 1, "method": "v3", "note": "hindsight: past years, same calibrated range. The range was calibrated on 2022-2024 SEC data, so years in that window are partly in-sample." }, "registry": { "logged": "2026-09-20T14:13:59.743Z", "hash": "773bf8744b198db2", "status": "open" }, "caution": "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.", "schema": "pops4.edgarette.card/1", "card": { "summary": "Pathward Financial (CASH) grew revenue 5.3% in FY2025 to $840 million, equity 12.0% of assets. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-09-30", "revenue": 839894000, "totalDebt": 33456000, "cash": 120568000 }, "experience": { "revenueGrowth1y": 0.05327484412073047, "revenueGrowthPerYear": 0.11169634291839792, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 0.2223935401372078, "freeCashFlow": 438941000 }, "soundness": { "equityRatio": 0.11963243815410973, "returnOnEquity": 0.21768904894265453, "payoutRatio": 0.025087399015991475, "dividendPerShare": 0.2, "dividendYearsRising": 0, "dividendCut": false, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 6021, "sicDescription": "National Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6021", "growth": [ 0.0717, 20 ], "equityRatio": [ 0.1055, 19 ], "returnOnEquity": [ 0.1028, 18 ], "payoutRatio": [ 0.4022, 16 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": { "filed": "2025-07-02", "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747125000071/0000907471-25-000071-index.htm", "restatedSince": true, "markedDown": false }, "auditorChange": { "filed": "2025-12-30", "url": "https://www.sec.gov/Archives/edgar/data/907471/000090747125000118/0000907471-25-000118-index.htm" } }, "range": { "low": 719223984.6074437, "high": 1155973843.4144487, "baseline": 911795112.331952, "coverage": 0.8, "method": "v3", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); range = 10th to 90th percentile of how SEC company-years of the same size band actually turned out", "calibratedOn": { "companyYears": 4309, "sizeBand": "b01" }, "kind": "a calibrated range, not a forecast; no view on the share price", "track": { "backtest": { "tests": 3, "hits": 3, "rate": 1, "method": "v3", "note": "hindsight: past years, same calibrated range. The range was calibrated on 2022-2024 SEC data, so years in that window are partly in-sample." }, "registry": { "logged": "2026-09-20T14:13:59.743Z", "hash": "773bf8744b198db2", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "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.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000907471.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=907471" } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same if-the-pace-held arithmetic applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so." } }