Financial Snapshot

Revenue
$717.2M
TTM
Gross Margin
Net Earnings
$170.8M
TTM
Current Assets
Current Liabilities
$293.6M
Q4 2024
Current Ratio
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
$776.4M
Q4 2024
Cash
Q4 2024
P/E
9.381
Apr 10, 2025 EST
Free Cash Flow
$183.8M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992
Revenue $754.7M $704.5M $601.1M $549.9M $498.8M $486.8M $158.5M $108.1M $81.40M $61.61M $48.66M
YoY Change 7.13% 17.19% 9.32% 10.24% 2.48% 207.03% 46.65% 32.81% 32.12% 26.61%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992
Revenue $754.7M $704.5M $601.1M $549.9M $498.8M $486.8M $158.5M $108.1M $81.40M $61.61M $48.66M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operating Profits/Loss YoY Change

No data

Operating Earnings to Gross Profit Ratio

No data

Operating Profit Margin

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $10.20M $11.10M $11.30M $9.600M $9.200M $8.600M $5.700M $5.500M $5.400M $4.600M $3.500M $21.10M $20.30M $9.800M $11.40M $6.000M $3.200M $2.600M $3.000M $3.000M $4.400M $3.400M $2.200M $900.0K $1.500M $1.800M $1.000M $1.100M $900.0K $700.0K $700.0K $300.0K -$300.0K
YoY Change -8.11% -1.77% 17.71% 4.35% 6.98% 50.88% 3.64% 1.85% 17.39% 31.43% -83.41% 3.94% 107.14% -14.04% 90.0% 87.5% 23.08% -13.33% 0.0% -31.82% 29.41% 54.55% 144.44% -40.0% -16.67% 80.0% -9.09% 22.22% 28.57% 0.0% 133.33% -200.0% -76.92%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Operating Profit To Gross Profit
Operating Profit To Revenue

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992
Interest Expense $10.87M $4.872M $6.863M $33.80M $61.52M $27.99M $14.87M $4.091M $2.387M $2.398M
YoY Change 123.19% -29.01% -79.7% -45.06% 119.84% 88.16% 263.55% 71.39% -0.46%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992
Pretax Income $198.8M $182.1M $187.3M $156.4M $115.0M $97.94M $57.41M $55.15M $38.82M $19.42M $18.62M $17.10M $26.80M $8.300M $19.80M -$2.000M -$2.800M $2.500M $5.000M -$1.100M $6.000M $5.100M $3.100M $2.900M $3.900M $4.500M $4.800M $6.100M $4.100M $5.900M $3.900M $2.700M $1.600M
YoY Change 9.15% -2.77% 19.73% 36.03% 17.42% 70.6% 4.1% 42.06% 99.88% 4.32% 8.88% -36.19% 222.89% -58.08% -1090.0% -28.57% -212.0% -50.0% -554.55% -118.33% 17.65% 64.52% 6.9% -25.64% -13.33% -6.25% -21.31% 48.78% -30.51% 51.28% 44.44% 68.75% 45.45%
Income Tax $29.14M $16.32M $27.96M $10.70M $5.661M -$3.374M $5.117M $10.23M $5.602M $1.368M $2.906M $3.700M $9.700M $3.600M $7.400M -$500.0K -$1.000M $1.200M $1.700M -$500.0K $2.100M $1.700M $1.000M $1.000M $1.600M $1.800M $2.000M $2.500M $1.700M $2.300M $1.400M $1.000M $600.0K
% Of Pretax Income 14.66% 8.96% 14.93% 6.84% 4.92% -3.44% 8.91% 18.55% 14.43% 7.04% 15.61% 21.64% 36.19% 43.37% 37.37% 48.0% 34.0% 35.0% 33.33% 32.26% 34.48% 41.03% 40.0% 41.67% 40.98% 41.46% 38.98% 35.9% 37.04% 37.5%
Net Earnings $166.8M $163.6M $156.4M $141.7M $104.7M $97.00M $51.62M $44.92M $33.22M $18.06M $15.71M $13.40M $17.10M $4.600M $12.40M -$1.500M -$1.000M $1.200M $3.700M -$900.0K $4.000M $3.400M $2.200M $1.900M $2.300M $2.600M $2.800M $3.600M $2.400M $3.500M $2.700M $1.400M $1.000M
YoY Change 1.96% 4.62% 10.36% 35.32% 7.95% 87.92% 14.92% 35.21% 83.99% 14.9% 17.26% -21.64% 271.74% -62.9% -926.67% 50.0% -183.33% -67.57% -511.11% -122.5% 17.65% 54.55% 15.79% -17.39% -11.54% -7.14% -22.22% 50.0% -31.43% 29.63% 92.86% 40.0% 66.67%
Net Earnings / Revenue 22.1% 23.23% 26.02% 25.77% 20.99% 19.93% 32.56% 41.55% 40.81% 29.31% 32.29%
Basic Earnings Per Share $6.63 $6.01 $5.26 $4.38 $2.94 $2.49 $1.68 $1.62 $1.31 $2.68 $2.57
Diluted Earnings Per Share $6.62 $5.99 $5.350M $4.38 $2.94 $2.49 $1.67 $1.61 $1.30 $2.66 $2.53 $792.9K $1.644M $494.6K $1.378M -$192.3K -$128.2K $151.9K $486.8K -$121.6K $540.5K $453.3K $293.3K $256.8K $306.7K $342.1K $345.7K $418.6K $296.3K $437.5K $300.0K $152.2K $112.4K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $39.06M $66.06M $41.71M $44.90M $41.60M $45.90M $40.50M $19.30M $18.60M $17.40M $16.50M $17.70M $17.70M $17.20M $19.40M $22.00M $22.00M $19.70M $16.90M $15.10M $11.70M $11.40M $11.10M $9.300M $6.100M $4.800M $4.000M $4.200M $3.700M $2.000M $1.500M $700.0K $800.0K
YoY Change -40.88% 58.38% -7.1% 7.93% -9.37% 13.33% 109.84% 3.76% 6.9% 5.45% -6.78% 0.0% 2.91% -11.34% -11.82% 0.0% 11.68% 16.57% 11.92% 29.06% 2.63% 2.7% 19.35% 52.46% 27.08% 20.0% -4.76% 13.51% 85.0% 33.33% 114.29% -12.5%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $25.20M $17.70M $18.90M $18.70M $9.100M $0.00 $7.000M $0.00 $15.40M $35.80M $40.30M
YoY Change 42.37% -6.35% 1.07% 105.49% -100.0% -100.0% -11.17%
Total Long-Term Assets
YoY Change
Total Assets $7.549B $7.536B $6.747B $6.691B $6.092B $6.183B $5.835B $5.228B $4.006B $2.530B $2.054B $1.692B $1.649B $1.276B $1.030B $834.8M $710.2M $686.1M $740.9M $775.8M $780.8M $772.3M $607.6M $523.2M $505.6M $511.2M $418.4M $404.6M $388.0M $264.2M $274.1M $160.8M $171.0M
YoY Change
Accounts Payable $600.0K $1.900M $9.400M $7.800M $2.300M $900.0K $300.0K $300.0K $300.0K $200.0K $200.0K $400.0K $400.0K $600.0K $800.0K $900.0K $900.0K $500.0K $500.0K $700.0K $900.0K $1.000M $900.0K $800.0K $1.100M $1.300M $800.0K $800.0K $100.0K $200.0K
YoY Change -68.42% -79.79% 20.51% 239.13% 155.56% 200.0% 0.0% 0.0% 50.0% 0.0% -50.0% 0.0% -33.33% -25.0% -11.11% 0.0% 80.0% 0.0% -28.57% -22.22% -10.0% 11.11% 12.5% -27.27% -15.38% 62.5% 0.0% 700.0% -50.0%
Accrued Expenses $424.3M $248.9M $200.2M $210.4M $165.4M $130.7M $133.8M $78.10M $48.30M $36.80M $14.30M $16.60M $73.60M $20.00M $14.70M $12.20M $12.10M $4.700M $4.200M $900.0K $2.100M $1.400M $1.000M $1.000M $1.400M $1.000M $1.100M $1.400M $3.200M $900.0K $800.0K $900.0K $400.0K
YoY Change 70.49% 24.3% -4.85% 27.21% 26.55% -2.32% 71.32% 61.7% 31.25% 157.34% -13.86% -77.45% 268.0% 36.05% 20.49% 0.83% 157.45% 11.9% 366.67% -57.14% 50.0% 40.0% 0.0% -28.57% 40.0% -9.09% -21.43% -56.25% 255.56% 12.5% -11.11% 125.0%
Deferred Revenue
YoY Change
Short-Term Debt $377.0M $13.00M $0.00 $646.0M $425.8M $1.405B $1.095B $544.0M $480.4M $199.1M $26.40M $8.100M $8.900M $31.70M $5.300M $200.0K $15.20M $20.50M $42.90M $57.70M $70.20M $2.000M $4.300M $3.000M $4.600M $4.700M $4.200M $1.200M $900.0K $2.400M $2.800M
YoY Change 2800.0% -100.0% 51.71% -69.68% 28.25% 101.31% 13.24% 141.29% 654.17% 225.93% -8.99% -71.92% 498.11% 2550.0% -98.68% -25.85% -52.21% -25.65% -17.81% 3410.0% -53.49% 43.33% -34.78% -2.13% 11.9% 250.0% 33.33% -62.5% -14.29%
Long-Term Debt Due $603.0K
YoY Change
Total Short-Term Liabilities $801.3M $261.9M $200.8M $211.0M $167.3M $140.1M $141.6M $80.40M $49.20M $37.10M $14.60M $16.90M $73.80M $20.20M $15.10M $12.60M $12.70M $5.500M $5.100M $1.800M $2.600M $1.900M $1.700M $1.900M $2.400M $1.900M $1.900M $2.500M $4.500M $1.700M $1.600M $1.000M $600.0K
YoY Change 206.0% 30.4% -4.83% 26.12% 19.41% -1.06% 76.12% 63.41% 32.61% 154.11% -13.61% -77.1% 265.35% 33.77% 19.84% -0.79% 130.91% 7.84% 183.33% -30.77% 36.84% 11.76% -10.53% -20.83% 26.32% 0.0% -24.0% -44.44% 164.71% 6.25% 60.0% 66.67%
Long-Term Debt $33.35M $33.87M $36.03M $92.80M $98.20M $105.8M $89.00M $85.50M $85.50M $12.50M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $9.800M $0.00 $10.00M $10.00M $10.00M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -1.53% -5.98% -61.18% -5.5% -7.18% 18.88% 4.09% 0.0% 584.0% 21.36% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 5.1% -100.0% 0.0% 0.0%
Other Long-Term Liabilities $0.00 $300.0K $300.0K $300.0K $1.700M $3.600M $4.000M $4.300M $4.300M $30.90M $37.70M
YoY Change -100.0% 0.0% 0.0% -82.35% -52.78% -10.0% -6.98% 0.0% -86.08% -18.04%
Total Long-Term Liabilities $33.35M $33.87M $36.03M $92.80M $98.20M $105.8M $89.00M $85.50M $85.50M $12.80M $10.60M $10.60M $12.00M $13.90M $14.30M $14.60M $14.60M $41.20M $48.00M $9.800M $0.00 $10.00M $10.00M $10.00M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -1.53% -5.98% -61.18% -5.5% -7.18% 18.88% 4.09% 0.0% 567.97% 20.75% 0.0% -11.67% -13.67% -2.8% -2.05% 0.0% -64.56% -14.17% 389.8% -100.0% 0.0% 0.0%
Total Liabilities $6.709B $6.884B $6.102B $5.820B $5.248B $5.343B $5.091B $4.794B $3.671B $2.258B $1.879B $1.549B $1.503B $1.195B $957.7M $787.4M $664.5M $638.0M $695.8M $732.9M $733.5M $729.3M $563.1M $479.5M $465.6M $471.4M $376.1M $361.1M $344.8M $226.2M $239.4M $127.4M $156.1M
YoY Change -2.53% 12.81% 4.85% 10.89% -1.77% 4.95% 6.2% 30.57% 62.57% 20.18% 21.32% 3.06% 25.78% 24.77% 21.63% 18.5% 4.15% -8.31% -5.06% -0.08% 0.58% 29.52% 17.43% 2.99% -1.23% 25.34% 4.15% 4.73% 52.43% -5.51% 87.91% -18.39%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992
Basic Shares Outstanding 25.17M shares 26.83M shares 29.23M shares 31.73M shares 34.83M shares 37.93M shares 30.74M shares 27.74M shares 25.49M shares 6.792M shares 6.113M shares
Diluted Shares Outstanding 25.20M shares 26.93M shares 29.23M shares 31.75M shares 34.83M shares 37.97M shares 30.85M shares 27.91M shares 8.481M shares 6.795M shares 6.198M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $1.6024 Billion

About PATHWARD FINANCIAL, INC.

Pathward Financial, Inc. operates as a financial holding company, which provides savings and loan services. The company is headquartered in Sioux Falls, South Dakota and currently employs 1,239 full-time employees. The firm operates through its subsidiary Pathward, National Association (the Bank). The Bank operates through three segments: Consumer, Commercial, and Corporate Services/Other. The Consumer segment includes the banking-as-a-service (BaaS) business line, which collaborates with partners to navigate payment and lending needs. The Bank's capabilities range from prepaid cards and deposit accounts to payment processing and consumer lending. The Bank offers a variety of installment and revolving consumer lending products through its credit solutions. The Commercial segment offers a variety of products through its working capital, equipment finance, structured finance, and insurance premium finance lending solutions. The Corporate Services/Other segment includes certain shared services as well as treasury related functions, such as the investment portfolio, warehouse finance, wholesale deposit, and borrowings.

Industry: National Commercial Banks Peers: Allegiance Bancshares, Inc. Amerant Bancorp Inc Brookline Bancorp Inc ConnectOne Bancorp Inc Origin Bancorp Inc PREMIER FINANCIAL CORP HERITAGE FINANCIAL CORP /WA/ QCR Holdings Inc PNC Financial Services Group Inc