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Meta Financial (CASH)
:CASH
Earnings Data
Report Date
Jul 23, 2025TBA Not Confirmed
Period Ending
2025 (Q3)Consensus EPS Forecast
1.68Last Year’s EPS
1.66Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 22, 2025
|% Change Since: 8.38%
|Next Earnings Date:Jul 23, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a strong quarter for Pathward Financials, with significant growth in earnings and revenue, particularly from tax services and balance sheet optimization. Despite some challenges with deposit levels and modest loan growth, the company demonstrates strong liquidity management and enhanced margins, painting an overall positive outlook.Company Guidance
During the Pathward Financials Second Quarter 2025 Earnings Conference Call, key metrics highlighted included earnings of $3.11 per share, reflecting a 21% year-over-year growth, and a net income of $74.3 million. Non-interest income experienced a 7% increase, while net interest income rose by 5% compared to the previous year. The company's net interest margin expanded to 6.5%, up from 6.23% last year. Return on average assets stood at 2.69%, with a return on average tangible equity of 43.79%. The call also revised fiscal 2025 earnings guidance to $7.40 to $7.80 per diluted share. In the tax services segment, non-interest income related to refund transfer and refund advance products grew by 13%, contributing to a 17% increase in total tax services revenues, reaching $85 million. Additionally, pre-tax income for tax services rose 29% to $47.6 million. The company maintained strong liquidity with almost $3.9 billion available and completed share repurchases totaling approximately 576,000 shares at an average price of $78.11, indicating a robust capital return strategy.Strong Earnings and Revenue Growth
Reported earnings of $3.11 per share for the March quarter, representing a year-over-year growth of 21%, with net income of $74.3 million. Non-interest income increased by 7%, and net interest income rose by 5% compared to the same quarter last year.
Record Tax Season Performance
Operated with over 42,000 independent tax offices, a new record, and saw a 17% growth in total tax services revenues. Pre-tax income for tax services grew 29% to $47.6 million.
Balance Sheet Optimization Success
Strong originations in structured finance and a strategic partnership to support renewable energy loan growth. Sold a portion of the working capital loan portfolio, freeing up $190 million in liquidity.
Improved Net Interest Margin
Net interest margin increased to 6.5% from 6.23% in the prior year period, with the adjusted net interest margin expanding by 33 basis points.
Robust Liquidity and Capital Management
Liquidity remains strong at almost $3.9 billion with a Tier 1 leverage ratio target of 10%. Repurchased roughly 576,000 shares at an average price of $78.11, bringing year-to-date repurchases to almost 1.3 million shares.
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CASH Earnings History
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
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CASH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 22, 2025 | $74.47 | $78.95 | +6.02% |
Jan 21, 2025 | $78.38 | $77.26 | -1.43% |
Oct 23, 2024 | $72.58 | $70.06 | -3.47% |
Jul 24, 2024 | $64.60 | $68.07 | +5.37% |
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.
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FAQ
When does Meta Financial (CASH) report earnings?
Meta Financial (CASH) is schdueled to report earning on Jul 23, 2025, TBA Not Confirmed.
What is Meta Financial (CASH) earnings time?
Meta Financial (CASH) earnings time is at Jul 23, 2025, TBA Not 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 (Q3) is 1.68.
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