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CASH Financials Pathward Financial, Inc.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 11.0% per year over the past 5 years.
  • Net income has grown faster than revenue (12.2% vs 11.0% per year).
  • Free cash flow has declined 0.7% per year over the past 5 years.

Financial health

  • The company holds more cash ($121M) than total debt ($42M).
  • Total debt has grown slower than revenue (-15.4% vs 11.0% per year).

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 2.5% of earnings and 1.1% of free cash flow.
  • The dividend has declined 8.0% per year over the past 5 years.
Revenue & net income
$0 $420M $840M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 13% 26% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
-$28M $270M $569M $0 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $634M $1B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$1B $144M $1B $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $840M $186M 0.0% 0.0% $439M $42M $121M
2024 $797M $183M 0.0% 0.0% $479M $410M $158M
2023 $728M $143M 0.0% 0.0% $319M $47M $376M
2022 $601M $151M 0.0% 0.0% $282M $36M $388M
2021 $550M $142M 0.0% 0.0% $569M $93M $314M
2020 $499M $105M 0.0% 0.0% $455M $98M $427M
2019 $487M $97M 0.0% 0.0% $177M $862M $127M
2018 — $52M — — $129M $89M $100M
2017 — $45M — — $113M — $1.3B
2016 — $33M — — $72M — $774M
2015 — $18M — — $44M — $28M
2014 — $16M — — $23M — $30M
2013 — $13M — — -$28M — $40M
2012 — $17M — — $76M — $145M
2011 — $5M — — $20M — $277M

Valuation over time

How the market has priced CASH against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 5.2 10.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 1.1 2.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 0.3 0.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is CASH growing its revenue and profit?

Over the past 5 years, Pathward Financial, Inc.'s revenue has grown 11.0% per year, and net income grown 12.2% per year. These are computed facts, not advice.

How much debt does CASH have?

As of FY2025, Pathward Financial, Inc. reported $42M of total debt against $121M of cash.

What is CASH's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 22.1%.

What is CASH's P/E ratio?

As of Jun '26, Pathward Financial, Inc. traded at a price-to-earnings ratio of about 9.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.