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Friday 6 November 2026
Export CASH’s income statement to Excel — free account
Pathward Financial, Inc.
CASH Financial Banks Regional
Pathward Financial, Inc.’s revenue for fiscal 2026 (year ended September 2026) was $832.2 million, down 2.27% from fiscal 2025.
- Revenue
- −2.04%
- EPS
- +9.41%
- Free cash flow
- +20.5%
- Total debt
- +0.31%
Quarter to September 2026, against a year earlier
76.02
0.62
−0.81%
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| Sep '17 | Sep '18 | Sep '19 | Sep '20 | Sep '21 | Sep '22 | Sep '23 | Sep '24 | Sep '25 | Sep '26 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 6 | 6 | 7 | 8 | 8 | 7 | 8 | 8 | — |
P/E ratio |
16.51 | 15.82 | 13.15 | 6.58 | 11.95 | 6.43 | 8.29 | 9.55 | 9.32 | 8.71 |
P/S ratio |
2.62 | 2.43 | 2.26 | 1.26 | 2.99 | 1.55 | 1.63 | 2.03 | 2.03 | 1.78 |
P/FCF ratio |
6.50 | 6.46 | 6.98 | 1.47 | 2.93 | 2.90 | 3.66 | 3.47 | 3.95 | 2.20 |
P/Operating CF |
19.76 | 32.75 | 62.65 | 3.61 | 12.72 | 317.93 | 8.66 | 11.61 | 5.70 | 28.45 |
P/B ratio |
1.69 | 1.12 | 1.47 | 0.79 | 1.91 | 1.49 | 1.95 | 2.02 | 2.02 | 1.80 |
Price to Tangible BV |
2.59 | 2.23 | 2.57 | 1.35 | 3.15 | 3.11 | 4.19 | 3.35 | 3.17 | 2.88 |
EV/Sales |
(1.59) | 2.40 | 2.42 | 0.64 | 2.59 | 0.98 | 1.23 | 1.88 | 1.93 | — |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
EV/Operating CF |
(3.72) | 5.98 | 6.94 | 0.73 | 2.48 | 2.11 | 2.77 | 3.14 | 3.65 | — |
EV/FCF |
(3.94) | 6.37 | 7.49 | 0.75 | 2.54 | 1.84 | 2.76 | 3.21 | 3.75 | — |
Quick Ratio |
0.27 | 0.02 | 0.02 | 0.08 | 0.05 | 0.06 | 0.05 | 0.02 | 0.02 | 0.03 |
Current Ratio |
0.55 | 0.61 | 0.77 | 0.76 | 0.69 | 0.65 | 0.69 | 0.73 | 0.79 | 0.83 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.64% | 1.52% | 3.49% | 1.61% | 1.39% | 0.53% | 0.45% | 0.44% | 0.47% | 0.46% |
Debt/Equity |
0.20 | 0.12 | 0.26 | 0.12 | 0.11 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 |
Asset Turnover |
0.06 | 0.06 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 | 0.11 | 0.12 | 0.12 |
Operating CF/Net income |
2.67 | 2.67 | 2.02 | 4.57 | 4.18 | 1.95 | 2.32 | 2.69 | 2.43 | 0.00 |
Capex/Depreciation |
(0.12) | (0.23) | (0.25) | (0.20) | (0.22) | 0.67 | 0.02 | (0.18) | (0.20) | — |
| 11.67% | 8.73% | 11.89% | 12.10% | 16.17% | 19.60% | 22.34% | 25.20% | 22.05% | 20.92% | |
| 0.97% | 0.93% | 1.57% | 1.67% | 2.17% | 2.21% | 1.98% | 2.41% | 2.52% | 2.43% | |
ROIC |
0.00% | 4.87% | 7.21% | 14.11% | 15.30% | 38.59% | 35.77% | 19.87% | 18.58% | 18.63% |
Return on Tangible Assets |
(2.16%) | (2.73%) | (8.22%) | (8.45%) | (7.93%) | (7.06%) | (6.84%) | (10.36%) | (14.35%) | (16.46%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
66.95% | 72.29% | 65.92% | 69.63% | 68.63% | 69.12% | 76.42% | 69.83% | 71.34% | 73.65% |
Intangible Assets out of Total Assets |
0.03 | 0.06 | 0.06 | 0.06 | 0.05 | 0.00 | 0.00 | 0.04 | 0.04 | 0.04 |
Share Based Compensation of Revenue |
3.71% | 3.24% | 2.36% | 1.92% | 1.23% | 1.61% | 1.50% | 1.26% | 1.12% | 0.00% |
Graham Net Nets |
(2.98) | (2.42) | (1.14) | (2.02) | (1.14) | (2.27) | (1.77) | (1.10) | (0.79) | (0.77) |
Graham Number |
23.80 | 30.65 | 35.24 | 39.98 | 52.10 | 50.45 | 54.96 | 71.26 | 80.91 | 85.20 |
Earnings Yield |
6.06% | 6.32% | 7.61% | 15.19% | 8.37% | 15.55% | 12.06% | 10.47% | 10.73% | 11.48% |
Free Cash Flow Yield |
15.39% | 15.48% | 14.32% | 67.98% | 34.16% | 34.45% | 27.31% | 28.81% | 25.35% | 45.51% |
Revenue per Share |
10.10 | 11.16 | 14.46 | 15.29 | 17.55 | 21.32 | 27.52 | 32.52 | 36.39 | 38.81 |
Operating CF per Share |
4.33 | 4.48 | 5.04 | 13.41 | 18.33 | 9.92 | 12.22 | 19.42 | 19.26 | 0.00 |
Capex per Share |
(0.24) | (0.28) | (0.37) | (0.35) | (0.41) | 1.43 | 0.05 | (0.40) | (0.50) | 0.00 |
Free Cash Flow per Share |
4.08 | 4.20 | 4.67 | 13.07 | 17.93 | 11.36 | 12.27 | 19.02 | 18.76 | 0.00 |
Cash per Share |
45.69 | 3.25 | 3.34 | 12.27 | 9.90 | 13.28 | 14.00 | 6.29 | 5.15 | 7.57 |
Shareholders Equity per Share |
15.66 | 24.33 | 22.25 | 24.33 | 27.48 | 22.07 | 23.04 | 32.67 | 36.65 | 38.26 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
15.66 | 24.33 | 22.25 | 24.33 | 27.48 | 22.07 | 23.04 | 32.67 | 36.65 | 38.26 |
Free Cash Flow |
113.25 | 129.21 | 177.14 | 455.06 | 568.77 | 331.91 | 329.29 | 478.66 | 438.94 | — |
Working Capital |
(2,103.50) | (1,929.08) | (1,197.67) | (1,252.39) | (1,798.18) | (2,148.80) | (2,101.57) | (1,791.63) | (1,331.34) | (1,110.16) |
Capital Expenditures |
(6.74) | (8.54) | (13.87) | (12.16) | (12.87) | 41.86 | 1.38 | (10.14) | (11.68) | — |
Net Current Asset Value |
(2,189.03) | (2,018.04) | (1,413.51) | (1,350.62) | (1,891.02) | (2,184.82) | (2,135.44) | (1,824.99) | (1,364.79) | (1,143.71) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Capex to Sales |
0.02 | 0.02 | 0.03 | 0.02 | 0.02 | (0.07) | 0.00 | 0.01 | 0.01 | 0.00 |
Price to Operating Income |
11.25 | 14.53 | 11.49 | 5.72 | 10.46 | 5.32 | 7.62 | 7.50 | 7.56 | 7.17 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
2.86 | 0.93 | 1.20 | 1.46 | 1.32 | 1.49 | 1.66 | 1.48 | 1.47 | 0.00 |
Cash ROIC |
6.34% | 13.79% | 14.93% | 33.15% | 44.48% | 31.04% | 32.04% | 47.21% | 43.40% | 0.00% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
79,106.42 | 57,792.04 | 25,730.74 | 53,764.70 | 293,306.78 | 439,471.16 | 221,174.49 | 100,994.02 | 185,267.78 | 207,828.14 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,826.75 | 3,827.21 | 4,384.00 | 4,658.10 | 5,247.09 | 5,690.50 | 6,227.61 | 6,232.13 | 5,881.02 | 5,789.30 |
Average Assets |
4,617.38 | 5,531.70 | 6,008.98 | 6,137.48 | 6,391.36 | 6,719.03 | 7,125.41 | 7,517.71 | 7,352.18 | 7,213.01 |
Average Common Equity |
384.74 | 591.11 | 795.84 | 845.63 | 859.60 | 758.51 | 631.74 | 720.27 | 839.82 | 838.90 |
Columns are period end dates · fundamentals updated 2 Nov 2026