Pathward Financial's earnings call presented a positive outlook with strong growth in commercial finance and acquiring, recognition for workplace culture, and increased noninterest income. However, challenges such as elevated expenses, accounting changes, and an increase in nonperforming loans were noted.

Company Guidance

During Pathward Financial's third quarter preliminary earnings call for fiscal year 2025, the company provided a range of guidance metrics. They announced a preliminary EPS range of $7.50 to $7.80 for fiscal year 2025, incorporating assumptions of 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 set between $8.25 and $8.75, assuming no rate cuts and an effective tax rate of 18% to 22%. The company also highlighted strong financial performance metrics for the quarter, with a net interest margin of 7.43% and an adjusted net interest margin of 5.98%, both showing improvement from the previous year. Noninterest income grew by 11%, and commercial finance loans yielded 9.55% on new originations. Despite elevated expenses due to technology and compliance investments, Pathward Financial reported robust liquidity of approximately $2.7 billion, and the company conducted share repurchases totaling nearly 1.9 million shares year-to-date.

Strong Commercial Finance Originations

Pathward Financial experienced strong originations within commercial finance at solid yields, which contributed to the company's growth and success in redeploying almost $1 billion in capital.

Triple-Digit Revenue Growth in Acquiring

The acquiring product experienced triple-digit revenue growth year-to-date, demonstrating the success of Pathward's investment in technology and partner solutions.

Recognition for Workplace Culture

Pathward was named one of the best companies to work for by U.S. News and World Report for 2025 to 2026 and received the Great Place To Work Certification for 3 years in a row.

Increase in Noninterest Income

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

Stable Net Interest Income and Margin

Net interest margin in the quarter was 7.43%, and adjusted net interest margin was 5.98%, both showing expansion from the previous year.

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

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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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