Pathward Financial (CASH)
NASDAQ:CASH
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Earnings Data
Report Date
Jul 29, 2026After Close (Confirmed)
Period Ending
2026 (Q3)Consensus EPS Forecast
1.97Last Year’s EPS
1.81Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted several material operating and financial wins — a strong tax season driving noninterest income, double-digit increases in card and deposit fee income, solid originations and commercial finance growth, YoY improvement in adjusted NIM, high returns (ROA and ROTE), ample liquidity, and ongoing buybacks — while also acknowledging near-term credit metric volatility (NPL uptick, higher provisions) and timing headwinds (secondary market revenue, government-related delays). Management characterized many negatives as idiosyncratic, timing‑related or the result of disciplined balance‑sheet actions (portfolio sale, asset rotation). Given the breadth and magnitude of the positive operating trends, guidance maintenance, and management’s view that credit remains benign on a trailing 12‑month basis, the highlights outweigh the lowlights.Company Guidance
Solid Profitability and EPS
Reported net income of $72.9 million and diluted EPS of $3.35 for the quarter; company maintained full-year EPS guidance of $8.55 to $9.05.
Tax Services Momentum
Tax services performed strongly: total tax product revenue for the 6 months ended March 31 increased ~13%; consolidated tax services revenue reported at $96 million; Refund Advance originations increased by over $200 million; tax services pre‑income of $62 million, up ~30%.
Noninterest Income Growth and Mix
Noninterest income grew 9% in the quarter and represented 55% of total revenue. Within tax and card business: consolidated noninterest income from Refund Advance and tax fees rose 18% quarter-over-quarter and refund transfer revenue grew ~7% in the quarter.
Card & Deposit Fee Strength
Core card and deposit fee income (excluding custodial servicing fees) increased 22% year-over-year, reflecting contribution from existing partner growth and new contracts signed last year.
Loan Originations and Commercial Finance Growth
Loans and leases grew 9% at March 31; core commercial finance loans increased ~$588 million. Origination volumes were strong with $367 million in commercial finance originations (at yields above portfolio yield) and $945 million in consumer finance originations during the quarter.
Net Interest Margin - YoY Improvement
Net interest margin for the quarter was 6.3%; adjusted net interest margin was 5.32%, a 23 basis point improvement versus the same quarter last year (management cites improvements driven in part by lower rate-related card expenses).
Strong Returns and Capital Actions
Six‑month return on average assets was 2.75% and return on average tangible equity was 40.69% (seasonally elevated due to tax cycle). Repurchased ~855,000 shares at an average price of $84.15 in the quarter, with ~3.4 million shares remaining under the buyback program.
Liquidity, Balance Sheet Optimization and Strategic Wins
Liquidity remained strong with $2.7 billion available. Deposits were relatively flat year-over-year with average custodial deposits up >$250 million, supporting higher servicing fee income. Announced a 3-year extension with a leading money-movement platform after quarter close; management described a robust partner pipeline and continued focus on asset rotation and balance sheet optionality.
Culture & Operational Investment
Earned Great Place to Work certification for the fourth consecutive year; continued investments in technology, risk & compliance, and people to support scalability and partner needs.
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
CASH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 22, 2026 | $98.51 | $87.66 | -11.01% |
Jan 22, 2026 | $79.86 | $85.67 | +7.28% |
Oct 21, 2025 | $71.66 | $71.65 | -0.01% |
Jul 28, 2025 | $80.12 | $77.57 | -3.18% |
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 Jul 29, 2026, After Close (Confirmed).
What is Pathward Financial (CASH) earnings time?
Pathward Financial (CASH) earnings time is at Jul 29, 2026, 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 2026 (Q3) is 1.97.