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 Aug 9, 2026, 10:20 UTC 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

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$840M	$186M	0.0%	0.0%	21.7%	2.6%	$439M	$42M	$121M
2024	$797M	$183M	0.0%	0.0%	22.3%	2.4%	$479M	$410M	$158M
2023	$728M	$143M	0.0%	0.0%	23.1%	1.9%	$319M	$47M	$376M
2022	$601M	$151M	0.0%	0.0%	23.9%	2.2%	$282M	$36M	$388M
2021	$550M	$142M	0.0%	0.0%	16.3%	2.1%	$569M	$93M	$314M
2020	$499M	$105M	0.0%	0.0%	12.4%	1.7%	$455M	$98M	$427M
2019	$487M	$97M	0.0%	0.0%	11.5%	1.6%	$177M	$862M	$127M
2018	—	$52M	—	—	6.9%	0.9%	$129M	$89M	$100M
2017	—	$45M	—	—	10.3%	0.9%	$113M	—	$1.3B
2016	—	$33M	—	—	9.9%	0.8%	$72M	—	$774M
2015	—	$18M	—	—	6.7%	0.7%	$44M	—	$28M
2014	—	$16M	—	—	9.0%	0.8%	$23M	—	$30M
2013	—	$13M	—	—	9.4%	0.8%	-$28M	—	$40M
2012	—	$17M	—	—	11.7%	1.0%	$76M	—	$145M
2011	—	$5M	—	—	5.8%	0.4%	$20M	—	$277M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$190M	$29M	0.0%	0.0%	3.4%	0.4%	$49M	$201M	$149M
Mar '26	$276M	$73M	0.0%	0.0%	8.6%	1.0%	$231M	$60M	$158M
Dec '25	$173M	$35M	0.0%	0.0%	4.1%	0.5%	$104M	$33M	$331M
Sep '25	$187M	$39M	0.0%	0.0%	4.5%	0.5%	$300M	$42M	$121M
Jun '25	$196M	$42M	0.0%	0.0%	5.1%	0.6%	$28M	$148M	$258M
Mar '25	$275M	$75M	0.0%	0.0%	9.2%	1.1%	$185M	$33M	$254M
Dec '24	$183M	$30M	0.0%	0.0%	4.0%	0.4%	-$74M	$33M	$597M
Sep '24	$180M	$34M	0.0%	0.0%	4.1%	0.4%	$139M	$410M	$158M
Jun '24	$189M	$45M	0.0%	0.0%	6.0%	0.6%	$111M	$33M	$299M
Mar '24	$258M	$70M	0.0%	0.0%	9.7%	0.9%	$208M	$64M	$348M
Dec '23	$163M	$28M	0.0%	0.0%	3.9%	0.3%	$21M	$34M	$672M
Sep '23	$161M	$25M	0.0%	0.0%	4.1%	0.3%	$111M	$47M	$376M
Jun '23	$165M	$36M	0.0%	0.0%	5.5%	0.5%	$3M	$264M	$515M
Mar '23	$228M	$54M	0.0%	0.0%	8.2%	0.8%	$140M	$78M	$433M
Dec '22	$150M	$28M	0.0%	0.0%	4.3%	0.4%	$40M	$35M	$369M
Sep '22	$123M	$21M	0.0%	0.0%	3.4%	0.3%	-$34M	$36M	$388M
Jun '22	$126M	$22M	0.0%	0.0%	3.1%	0.3%	$2M	$17M	$157M
Mar '22	$194M	$46M	0.0%	0.0%	6.1%	0.7%	$137M	$91M	$238M
Dec '21	$158M	$61M	0.0%	0.0%	7.5%	0.8%	$156M	$92M	$1.2B
Sep '21	$120M	$16M	0.0%	0.0%	1.8%	0.2%	$127M	$93M	$314M

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.

The price-to-earnings ratio has risen from 5.7× (Mar '23) to 8.7× (Nov '26).
The price-to-sales ratio has risen from 1.4× (Mar '23) to 1.9× (Nov '26).
The dividend yield has fallen from 0.7% (Mar '23) to 0.3% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

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?

Pathward Financial, Inc.'s P/E (TTM) is 9.15 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the CASH stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 8.7× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.