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CPATHWARD FINANCIAL, INC.

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PATHWARD FINANCIAL, INC.

$74.56Close · Sep 22, 2026
  • Overview
  • Financial statements
  • Metrics
    • Revenue & profit
    • Revenue by segment
    • Launches
    • Revenue concentration
    • Margins
    • Contracted revenue
    • Off-balance-sheet commitments
    • Cash flow
    • Cash & debt
    • Earnings per share
    • P/E ratio
    • Share count & dilution
  • Quarterly earnings
  • Similar companies
  • History
  • Insider Transactions
Loading financial graphs

Metrics

Revenue & profit
Revenue by segment
Margins
Contracted revenue
Cash flow
Cash & debt
Earnings per share
Share count & dilution

Metrics

Compare sales with the profit left after direct costs and the profit left after all expenses and taxes.Formula: Gross profit = revenue − cost of revenue Net income = total income − total expenses
Q2 ’26201720182019202020212022202320242025050M100M150M200M250MLatest period Q3 '26. Revenue 189.64M. Gross profit Unavailable. Net profit 29.15M.
RevenueGross profitNet profit
See which business lines, products, or regions generate the company’s sales.Formula: Company revenue = Σ(segment revenues) + reconciliation adjustments
Q2 ’26201720182019202020212022202320242025050M100M150M200M250MLatest period Q3 '26. Corporate And Other 503K. Commercial 78.41M. Consumer 110.74M.
Meta Payment SystemsBankingCorporate And OtherCommercialConsumer
See how much of each dollar of sales remains after direct costs, after running the business, and after all expenses and taxes.Formula: Gross margin = gross profit ÷ revenue × 100% Operating margin = operating income ÷ revenue × 100% Net margin = net income ÷ revenue × 100%
Q2 ’262017201820192020202120222023202420250%10%20%30%Latest period Q3 '26. Net profit margin 15.4%.
Gross marginOperating marginNet profit margin
Compare cash generated by the business, spending on long-lived assets, and what remains afterward.Formula: Free cash flow = operating cash flow − capital expenditures
$
Q2 ’262017201820192020202120222023202420250100M200M300M
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    Latest period Q3 '26. Operating cash flow 52M. Capex -3.4M. Free cash flow 48.6M.
    Operating cash flowCapexFree cash flow
    Compare the company’s cash cushion with its borrowings. Negative net cash means debt is greater than cash.Formula: Net cash = cash − debt
    202620172018201920202021202220232024202501B2B3B
        Latest period 2026. Cash 149.4M. Debt 201M.
        CashDebtNet cash
        Profit for each share over the trailing 12 months, adjusted for stock splits.Formula: Earnings available to common shareholders ÷ weighted-average shares
        $/shareUsing split history cached 2026-09-23; assuming no new splits
        common_earnings_missingMissingcommon_earnings_missingMissingcommon_earnings_missingMissingcommon_earnings_missingMissingcommon_earnings_missingMissingcommon_earnings_missingMissingQ2 ’262017201820192020202120222023202420250.002.004.006.008.00
        • Q1 2024: common earnings missing
        • Q2 2024: common earnings missing
        • Q3 2024: common earnings missing
        • Q1 2025: common earnings missing
        • Q2 2025: common earnings missing
        • Q3 2025: common earnings missing
        • Earnings period 2017-01-01 to 2017-03-31. Shares as of 2017-03-31: 9,349,989 source shares.
        • Earnings period 2017-04-01 to 2017-06-30. Shares as of 2017-06-30: 9,349,989 source shares.
        • Earnings period 2016-10-01 to 2017-09-30. Shares as of 2017-09-30: 28,867,785 source shares.
        • Earnings period 2017-10-01 to 2017-12-31. Shares as of 2017-12-31: 9,664,846 source shares.
        • Earnings period 2018-01-01 to 2018-03-31. Shares as of 2018-03-31: 9,699,591 source shares.
        • Earnings period 2018-04-01 to 2018-06-30. Shares as of 2018-06-30: 9,699,591 source shares.
        • Earnings period 2017-10-01 to 2018-09-30. Shares as of 2018-09-30: 39,167,280 source shares.
        • Earnings period 2018-10-01 to 2018-12-31. Shares as of 2018-12-31: 9,699,591 source shares.
        • Earnings period 2019-01-01 to 2019-03-31. Shares as of 2019-03-31: 39,450,938 source shares.
        • Earnings period 2019-04-01 to 2019-06-30. Shares as of 2019-06-30: 37,878,205 source shares.
        • Earnings period 2018-10-01 to 2019-09-30. Shares as of 2019-09-30: 37,807,064 source shares.
        • Earnings period 2019-10-01 to 2019-12-31. Shares as of 2019-12-31: 37,172,081 source shares.
        • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: 34,607,962 source shares.
        • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: 34,631,160 source shares.
        • Earnings period 2019-10-01 to 2020-09-30. Shares as of 2020-09-30: 34,360,890 source shares.
        • Earnings period 2020-10-01 to 2020-12-31. Shares as of 2020-12-31: 32,620,251 source shares.
        • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 31,926,008 source shares.
        • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 31,919,780 source shares.
        • Earnings period 2020-10-01 to 2021-09-30. Shares as of 2021-09-30: 31,669,952 source shares.
        • Earnings period 2021-10-01 to 2021-12-31. Shares as of 2021-12-31: 30,080,717 source shares.
        • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 29,362,844 source shares.
        • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 29,356,707 source shares.
        • Earnings period 2021-10-01 to 2022-09-30. Shares as of 2022-09-30: 28,788,124 source shares.
        • Earnings period 2022-10-01 to 2022-12-31. Shares as of 2022-12-31: 28,211,239 source shares.
        • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 27,055,727 source shares.
        • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 26,539,272 source shares.
        • Earnings period 2022-10-01 to 2023-09-30. Shares as of 2023-09-30: 26,183,583 source shares.
        • Earnings period 2023-10-01 to 2023-12-31. Shares as of 2023-12-31: unavailable source shares.
        • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: unavailable source shares.
        • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: unavailable source shares.
        • Earnings period 2023-10-01 to 2024-09-30. Shares as of 2024-09-30: 24,847,353 source shares.
        • Earnings period 2024-10-01 to 2024-12-31. Shares as of 2024-12-31: unavailable source shares.
        • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: unavailable source shares.
        • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: unavailable source shares.
        • Earnings period 2024-10-01 to 2025-09-30. Shares as of 2025-09-30: 22,772,570 source shares.
        • Earnings period 2025-10-01 to 2025-12-31. Shares as of 2025-12-31: 22,169,535 source shares.
        • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 21,327,534 source shares.
        • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 21,023,902 source shares.
        Latest period Q3 2026. EPS (TTM) 8.35.
        EPS (TTM)
        How much investors pay for each dollar of the company’s yearly earnings. It is not useful when the company has no profit.Formula: Share price ÷ trailing 12-month EPS
        Using split history cached 2026-09-23; assuming no new splits
        common earnings missingMissingcommon earnings missingMissingcommon earnings missingMissingcommon earnings missingMissingcommon earnings missingMissingcommon earnings missingMissingQ2 ’262017201820192020202120222023202420250x5,000x10,000x15,000x20,000x25,000x
        • Q1 2024: common earnings missing
        • Q2 2024: common earnings missing
        • Q3 2024: common earnings missing
        • Q1 2025: common earnings missing
        • Q2 2025: common earnings missing
        • Q3 2025: common earnings missing
        • Earnings period 2017-01-01 to 2017-03-31. Shares as of 2017-03-31: 9,349,989 source shares. Weekly price on 2017-03-31.
        • Earnings period 2017-04-01 to 2017-06-30. Shares as of 2017-06-30: 9,349,989 source shares. Weekly price on 2017-06-30.
        • Earnings period 2016-10-01 to 2017-09-30. Shares as of 2017-09-30: 28,867,785 source shares. Nearby weekly price on 2017-09-29.
        • Earnings period 2017-10-01 to 2017-12-31. Shares as of 2017-12-31: 9,664,846 source shares. Nearby weekly price on 2017-12-29.
        • Earnings period 2018-01-01 to 2018-03-31. Shares as of 2018-03-31: 9,699,591 source shares. Nearby weekly price on 2018-03-29.
        • Earnings period 2018-04-01 to 2018-06-30. Shares as of 2018-06-30: 9,699,591 source shares. Nearby weekly price on 2018-06-29.
        • Earnings period 2017-10-01 to 2018-09-30. Shares as of 2018-09-30: 39,167,280 source shares. Nearby weekly price on 2018-09-28.
        • Earnings period 2018-10-01 to 2018-12-31. Shares as of 2018-12-31: 9,699,591 source shares. Nearby weekly price on 2018-12-28.
        • Earnings period 2019-01-01 to 2019-03-31. Shares as of 2019-03-31: 39,450,938 source shares. Nearby weekly price on 2019-03-29.
        • Earnings period 2019-04-01 to 2019-06-30. Shares as of 2019-06-30: 37,878,205 source shares. Nearby weekly price on 2019-06-28.
        • Earnings period 2018-10-01 to 2019-09-30. Shares as of 2019-09-30: 37,807,064 source shares. Nearby weekly price on 2019-09-27.
        • Earnings period 2019-10-01 to 2019-12-31. Shares as of 2019-12-31: 37,172,081 source shares. Nearby weekly price on 2020-01-03.
        • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: 34,607,962 source shares. Nearby weekly price on 2020-04-03.
        • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: 34,631,160 source shares. Nearby weekly price on 2020-07-02.
        • Earnings period 2019-10-01 to 2020-09-30. Shares as of 2020-09-30: 34,360,890 source shares. Nearby weekly price on 2020-10-02.
        • Earnings period 2020-10-01 to 2020-12-31. Shares as of 2020-12-31: 32,620,251 source shares. Weekly price on 2020-12-31.
        • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 31,926,008 source shares. Nearby weekly price on 2021-04-01.
        • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 31,919,780 source shares. Nearby weekly price on 2021-07-02.
        • Earnings period 2020-10-01 to 2021-09-30. Shares as of 2021-09-30: 31,669,952 source shares. Nearby weekly price on 2021-10-01.
        • Earnings period 2021-10-01 to 2021-12-31. Shares as of 2021-12-31: 30,080,717 source shares. Weekly price on 2021-12-31.
        • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 29,362,844 source shares. Nearby weekly price on 2022-04-01.
        • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 29,356,707 source shares. Nearby weekly price on 2022-07-01.
        • Earnings period 2021-10-01 to 2022-09-30. Shares as of 2022-09-30: 28,788,124 source shares. Weekly price on 2022-09-30.
        • Earnings period 2022-10-01 to 2022-12-31. Shares as of 2022-12-31: 28,211,239 source shares. Nearby weekly price on 2022-12-30.
        • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 27,055,727 source shares. Weekly price on 2023-03-31.
        • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 26,539,272 source shares. Weekly price on 2023-06-30.
        • Earnings period 2022-10-01 to 2023-09-30. Shares as of 2023-09-30: 26,183,583 source shares. Nearby weekly price on 2023-09-29.
        • Earnings period 2023-10-01 to 2023-12-31. Shares as of 2023-12-31: unavailable source shares.
        • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: unavailable source shares.
        • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: unavailable source shares.
        • Earnings period 2023-10-01 to 2024-09-30. Shares as of 2024-09-30: 24,847,353 source shares. Nearby weekly price on 2024-09-27.
        • Earnings period 2024-10-01 to 2024-12-31. Shares as of 2024-12-31: unavailable source shares.
        • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: unavailable source shares.
        • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: unavailable source shares.
        • Earnings period 2024-10-01 to 2025-09-30. Shares as of 2025-09-30: 22,772,570 source shares. Nearby weekly price on 2025-10-03.
        • Earnings period 2025-10-01 to 2025-12-31. Shares as of 2025-12-31: 22,169,535 source shares. Nearby weekly price on 2026-01-02.
        • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 21,327,534 source shares. Nearby weekly price on 2026-04-02.
        • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 21,023,902 source shares. Nearby weekly price on 2026-07-02.
        Latest period Q3 2026. P/E ratio 10.6x.
        P/E ratio
        See how the number of shares changes over time. More shares can mean each existing share owns a smaller slice of the company.Formula: Outstanding shares = issued shares − treasury shares Share-count growth = (current shares ÷ previous shares − 1) × 100%
        Stock split history may be out of date.
        2026201720182019202020212022202320242025010M20M30M
        2018-10-05: Stock split 3-for-1
            Latest period Shares as of 2026-06-30. Shares outstanding 21M. Class detail unavailable 21M.
            Class detail unavailableStock split