The earnings call presented a mix of positive achievements and challenges. Pathward Financial demonstrated strong capital redeployment, growth in their acquiring product, and solid financial health with increased liquidity. However, these positives were offset by challenges in accounting methodology changes, elevated expenses, and an increase in nonperforming loans. The sentiment is balanced, reflecting both significant achievements and notable challenges.

Company Guidance -

Q4 2025

During the third quarter of fiscal 2025, Pathward Financial provided guidance with several key metrics and strategic updates. The company's net interest margin for the quarter was reported at 7.43%, with an adjusted net interest margin of 5.98%, both showing an increase from the previous year's figures. Noninterest income grew by 11% compared to the prior year, driven by strong tax solutions and secondary market revenue, with secondary market revenues targeted at $5 million to $7 million per quarter. Pathward's allowance for credit loss, excluding seasonal tax service lending, was at 160 basis points, with an annualized net charge-off rate of 52 basis points. For fiscal year 2025, Pathward anticipates a preliminary EPS range of $7.50 to $7.80, assuming one rate cut in the fourth quarter and an effective tax rate of 16% to 20%. For fiscal year 2026, the preliminary EPS range is projected to be $8.25 to $8.75, with no expected rate cuts and an effective tax rate of 18% to 22%. The company also highlighted its continued investment in technology and compliance, with expectations for legal and consulting fees to taper off by fiscal year 2026. Pathward's liquidity remains strong at nearly $2.7 billion, and it repurchased approximately 1.9 million shares year-to-date, with plans to continue buybacks while monitoring share price trends.

Rapid Redeployment of Capital

Pathward Financial successfully redeployed almost $1 billion in capital generated from the sale of loans and securities in a shorter time frame than the initially expected 12 to 18 months.

Triple-Digit Growth in Acquiring Product

The acquiring product experienced triple-digit revenue growth year-to-date, highlighting the success of Pathward's technology investments and strategic partnerships.

Recognition and Awards

Pathward was named one of the best companies to work for by U.S. News and World Report for 2025-2026, and earned the Great Place To Work Certification for three consecutive years.

Strong Liquidity Position

Pathward's liquidity remains strong with almost $2.7 billion available, an increase from the previous year.

Increase in Noninterest Income

Noninterest income grew by 11% from the prior year, driven by secondary market revenue and card and deposit fees.

Pathward Financial (CASH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CASH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q4)	1.37 / -	1.35	―	―	―
Jul 28, 2025	2025 (Q3)	1.67 / 1.81	1.66	9.04% (+0.15)
Apr 22, 2025	2025 (Q2)	2.78 / 2.46	2.56	-3.71% (-0.10)
Jan 21, 2025	2025 (Q1)	1.23 / 1.29	1.06	21.70% (+0.23)
Oct 23, 2024	2024 (Q4)	1.26 / 1.35	1.36	-0.74% (-0.01)
Jul 24, 2024	2024 (Q3)	1.55 / 1.66	1.705	-2.64% (-0.05)
Apr 24, 2024	2024 (Q2)	2.35 / 2.56	1.99	28.64% (+0.57)
Jan 24, 2024	2024 (Q1)	1.24 / 1.06	0.98	8.16% (+0.08)
Oct 25, 2023	2023 (Q4)	1.25 / 1.36	0.81	67.90% (+0.55)
Jul 26, 2023	2023 (Q3)	1.47 / 1.71	0.76	124.34% (+0.95)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CASH Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$80.27	$77.72	-3.18%
Apr 22, 2025	$74.42	$78.90	+6.02%
Jan 21, 2025	$78.32	$77.20	-1.43%
Oct 23, 2024	$72.54	$70.01	-3.49%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Pathward Financial (CASH) report earnings?

Pathward Financial (CASH) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Pathward Financial (CASH) earnings time?

Pathward Financial (CASH) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CASH EPS forecast?

CASH EPS forecast for the fiscal quarter 2025 (Q4) is 1.37.

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