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Pathward Financial (CASH)
NASDAQ:CASH
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
3.37Last Year’s EPS
2.47Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call demonstrated strong underlying operating momentum: profitability and return metrics improved materially (net income +17%, EPS +28%), loan originations and commercial finance balances expanded, core card and deposit fee income grew as new partners began to contribute, adjusted NIM trended higher, liquidity and buybacks remained robust, and management raised FY2026 EPS guidance. Offsets included a one-time reduction to NII from the sale of a consumer finance portfolio, a slight uptick in nonperforming loans (while net charge-offs remained low), a year-over-year deposit decline at period end, and timing-related pressure to secondary market revenue. Management emphasized balance sheet optimization, fee-driven growth, and a strong partner pipeline, while noting that achievement of the higher end of guidance depends on partner ramp timing and a successful tax season. Overall, the positives (profitability, guidance raise, loan originations, fee growth, liquidity) outweigh the transitory and execution risks discussed.Company Guidance
Strong profitability and raised guidance
Net income of $35.2 million and diluted EPS of $1.57, increases of 17% and 28% year-over-year, respectively. Management raised FY2026 EPS guidance to $8.55–$9.05 (higher midpoint) with assumptions of no additional rate cuts and an 18%–22% effective tax rate.
Improving return metrics
Quarterly annualized return on average assets of 1.87% (up from 1.61% a year ago) and return on average tangible equity of 26.7% (up from 25.5% a year ago), reflecting stronger profitability and capital efficiency.
Loan growth and strong originations
Total loans and leases grew to $5.0 billion from $4.6 billion a year ago. Commercial finance loans increased by $531 million while consumer finance loans declined $148 million. Quarterly originations totaled $1.9 billion, comprised of $678 million in commercial finance and $1.2 billion in consumer finance.
Core fee income expansion and partner ramp
Core card and deposit fee income showed solid growth (excluding expected servicing fee decline of ~$1 million). New partner cohort (announced in 2025) is beginning to contribute; management expects the cohort to ultimately add mid- to high-single-digit percentage contribution to the card fee line at full run rate. Management describes an increasingly full partner pipeline.
Positive NIM trajectory and balance sheet optimization
Adjusted NIM (stripping gross HFI consumer loan impacts) has trended up: 5.11% (year-ago)—>5.31% (last quarter)—>5.49% (this quarter). Management is pursuing rotation from securities to loans and using balance sheet velocity (originate-to-sell) to increase net interest and noninterest income without materially growing assets.
Strong liquidity and shareholder actions
Liquidity of $3.7 billion available. Repurchased ~652,000 shares during the quarter at an average price of $72.07 with ~4.3 million shares remaining under the repurchase program.
Tax season positioning
Entered tax season with >11% more enrolled tax offices vs prior year, renewed agreements with tax software partners, and technology improvements expected to drive efficiencies and potential incremental revenue tied to 2025 tax code changes.
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 |
|---|---|---|---|
Jan 22, 2026 | $79.90 | $85.72 | +7.28% |
Oct 21, 2025 | $71.70 | $71.69 | -0.01% |
Jul 28, 2025 | $80.16 | $77.62 | -3.18% |
Apr 22, 2025 | $74.32 | $78.79 | +6.02% |
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 Apr 29, 2026, After Close (Confirmed).
What is Pathward Financial (CASH) earnings time?
Pathward Financial (CASH) earnings time is at Apr 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 (Q2) is 3.37.