# PATHWARD FINANCIAL, INC. (CASH) · Edgar & Edgarette company card

> 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.

SEC CIK 907471 · fiscal year ended 2025-09-30 · 5 audited years read · [page](https://www.pops4.com/boards/company/CASH) · [JSON](https://www.pops4.com/boards/company/CASH.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $840M |
| Revenue growth, 1 year | 5.3% |
| Revenue growth per year | 11.2% |
| Operating margin | — |
| Net margin | 22.2% |
| Operating cash flow | $451M |
| Capital spending | $12M |
| Free cash flow | $439M |
| Cash | $121M |
| Long-term debt | $33M |
| Total assets | $7.2B |
| Total equity | $858M |
| Equity ÷ assets | 12.0% |
| Return on equity | 21.8% |
| Dividend per share | $0.2 |
| Dividend years rising | 0 |

## Readings, computed from those figures

- Piotroski F: 6 of 9 (solid)
- Health Harbor boat: Sound ship · one warning sign · filed auditor change in the last 12 months
- Cash Compass: Cash cow now · steady, with strong cash arriving today

## Edgarette's reading

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 $779.0M and $1.0B next year (method v4.1: its own 4-year record of growth weighed at 50% against $100M–1B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $726.7M to $1.1B. A statistical range, not company guidance. Against peers (20 filers, $50M+ revenue, national commercial banks): growth 5.3% against 7.2%.

## Health Watch, last 12 months

- Item 4.01 Auditor change: 1, latest 2025-12-30 ([filing](https://www.sec.gov/Archives/edgar/data/907471/000090747125000118/0000907471-25-000118-index.htm))
- Item 5.02 Director or officer change: 1, latest 2026-09-17 ([filing](https://www.sec.gov/Archives/edgar/data/907471/000090747126000039/0000907471-26-000039-index.htm))

## Recent filings

- 8-K · filed 2026-10-21 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/907471/000090747126000042/0000907471-26-000042-index.htm)
- 8-K · filed 2026-09-17 · 5.02 Departure or Election of Directors; Appointment of Officers · [filing](https://www.sec.gov/Archives/edgar/data/907471/000090747126000039/0000907471-26-000039-index.htm)
- 8-K · filed 2026-08-20 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/907471/000090747126000037/0000907471-26-000037-index.htm)
- 10-Q · filed 2026-08-06 · [filing](https://www.sec.gov/Archives/edgar/data/907471/000090747126000034/0000907471-26-000034-index.htm)
- 8-K · filed 2026-07-22 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/907471/000090747126000032/0000907471-26-000032-index.htm)
- 8-K · filed 2026-05-21 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/907471/000090747126000027/0000907471-26-000027-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000907471.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=907471

## Cite

POPS4, Edgar & Edgarette: PATHWARD FINANCIAL, INC. (CASH) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/CASH. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

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.