PATHWARD FINANCIAL, INC. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that PATHWARD FINANCIAL, INC. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Revenue
Total revenue from all business activities — the top line of the income statement. Represents all money earned before any expenses are deducted.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $839.89M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $797.41M | Nov 25, 2025 |
| FY2024 | Sep 30, 2023 | $727.68M | Aug 29, 2025 |
| FY2023 | Sep 30, 2022 | $601.13M | Nov 21, 2023 |
| FY2022 | Sep 30, 2021 | $549.90M | Nov 22, 2022 |
| FY2021 | Sep 30, 2020 | $498.83M | Nov 23, 2021 |
| FY2020 | Sep 30, 2019 | $486.75M | Nov 30, 2020 |
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $38.80M | Nov 25, 2025 |
| FY2025 | Jun 30, 2025 | $42.15M | Nov 25, 2025 |
| FY2025 | Mar 31, 2025 | $74.96M | Nov 25, 2025 |
| FY2025 | Dec 31, 2024 | $29.97M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $33.53M | Nov 25, 2025 |
| FY2025 | Jun 30, 2024 | $44.87M | Nov 25, 2025 |
| FY2025 | Mar 31, 2024 | $69.92M | Nov 25, 2025 |
| FY2025 | Dec 31, 2023 | $34.90M | Nov 25, 2025 |
| FY2025 | Sep 30, 2023 | $25.28M | Nov 25, 2025 |
| FY2025 | Jun 30, 2023 | $36.08M | Nov 25, 2025 |
SG&A Expense
Selling, general, and administrative expenses — the overhead costs of running the business, including salaries, marketing, legal fees, and corporate office costs. Excludes COGS and R&D.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $0 | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $0 | Nov 25, 2025 |
| FY2025 | Sep 30, 2023 | $0 | Nov 25, 2025 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $450.62M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $488.81M | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $345.69M | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $232.51M | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $29.53M | Aug 29, 2025 |
| FY2025 | Sep 30, 2023 | $327.91M | Nov 25, 2025 |
| FY2024 | Jun 30, 2023 | $207.26M | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $196.33M | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $48.90M | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $290.05M | Aug 29, 2025 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $11.68M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $10.14M | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $5.78M | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $3.59M | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $1.89M | Aug 29, 2025 |
| FY2025 | Sep 30, 2023 | $8.62M | Nov 25, 2025 |
| FY2024 | Jun 30, 2023 | $4.97M | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $3.43M | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $1.99M | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $8.18M | Aug 29, 2025 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $7.17B | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $7.53B | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $7.51B | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $7.42B | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $7.90B | Aug 29, 2025 |
| FY2025 | Sep 30, 2023 | $7.50B | Nov 25, 2025 |
| FY2024 | Jun 30, 2023 | $7.44B | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $6.86B | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $6.65B | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $6.74B | Aug 29, 2025 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $6.31B | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $6.71B | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $6.77B | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $6.70B | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $7.20B | Aug 29, 2025 |
| FY2024 | Sep 30, 2023 | $6.89B | Aug 29, 2025 |
| FY2024 | Jun 30, 2023 | $6.78B | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $6.20B | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $6.00B | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $6.10B | Aug 29, 2025 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $858.05M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $822.47M | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $748.40M | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $719.50M | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $704.76M | Aug 29, 2025 |
| FY2024 | Sep 30, 2023 | $619.35M | Aug 29, 2025 |
| FY2024 | Jun 30, 2023 | $656.70M | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $661.16M | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $647.36M | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $633.24M | Aug 29, 2025 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $297.93M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $309.51M | Nov 25, 2025 |
| FY2025 | Sep 30, 2023 | $309.51M | Nov 25, 2025 |
| FY2024 | Sep 30, 2022 | $309.51M | Aug 29, 2025 |
| FY2023 | Sep 30, 2021 | $309.51M | Nov 21, 2023 |
| FY2022 | Sep 30, 2020 | $309.51M | Nov 22, 2022 |
| FY2021 | Sep 30, 2019 | $309.51M | Nov 23, 2021 |
| FY2020 | Sep 30, 2018 | $303.27M | Nov 30, 2020 |
| FY2019 | Sep 30, 2017 | $98.72M | Nov 26, 2019 |
| FY2018 | Sep 30, 2016 | $36.93M | Nov 29, 2018 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $359.83M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $337.06M | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $326.04M | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $297.58M | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $268.43M | Aug 29, 2025 |
| FY2024 | Sep 30, 2023 | $246.38M | Aug 29, 2025 |
| FY2024 | Jun 30, 2023 | $245.45M | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $232.41M | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $234.91M | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $233.47M | Aug 29, 2025 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $120.57M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $158.34M | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $298.93M | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $347.89M | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $671.63M | Aug 29, 2025 |
| FY2024 | Sep 30, 2023 | $375.58M | Aug 29, 2025 |
| FY2024 | Jun 30, 2023 | $515.27M | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $432.60M | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $369.17M | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $388.04M | Aug 29, 2025 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $33.46M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $33.35M | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $33.33M | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $33.37M | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $33.61M | Aug 29, 2025 |
| FY2024 | Sep 30, 2023 | $33.87M | Aug 29, 2025 |
| FY2024 | Jun 30, 2023 | $34.18M | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $34.54M | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $34.98M | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $36.03M | Aug 29, 2025 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | 1 | Nov 25, 2025 |
| FY2025 | Jun 30, 2025 | 1 | Nov 25, 2025 |
| FY2025 | Mar 31, 2025 | 3 | Nov 25, 2025 |
| FY2025 | Dec 31, 2024 | 1 | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | 1 | Nov 25, 2025 |
| FY2025 | Jun 30, 2024 | 1 | Nov 25, 2025 |
| FY2025 | Mar 31, 2024 | 2 | Nov 25, 2025 |
| FY2025 | Dec 31, 2023 | 1 | Nov 25, 2025 |
| FY2025 | Sep 30, 2023 | 0 | Nov 25, 2025 |
| FY2025 | Jun 30, 2023 | 1 | Nov 25, 2025 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | 1 | Nov 25, 2025 |
| FY2025 | Jun 30, 2025 | 1 | Nov 25, 2025 |
| FY2025 | Mar 31, 2025 | 3 | Nov 25, 2025 |
| FY2025 | Dec 31, 2024 | 1 | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | 1 | Nov 25, 2025 |
| FY2025 | Jun 30, 2024 | 1 | Nov 25, 2025 |
| FY2025 | Mar 31, 2024 | 2 | Nov 25, 2025 |
| FY2025 | Dec 31, 2023 | 1 | Nov 25, 2025 |
| FY2025 | Sep 30, 2023 | 0 | Nov 25, 2025 |
| FY2025 | Jun 30, 2023 | 1 | Nov 25, 2025 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2024 | Sep 30, 2023 | 0 | Aug 29, 2025 |
| FY2020 | Sep 30, 2020 | 34.36M | Nov 30, 2020 |
| FY2020 | Sep 30, 2019 | 37.81M | Nov 30, 2020 |
| FY2019 | Sep 30, 2018 | 39.17M | Nov 26, 2019 |
| FY2018 | Sep 30, 2017 | 28.87M | Nov 29, 2018 |
| FY2017 | Sep 30, 2016 | 8.52M | Nov 29, 2017 |
| FY2016 | Sep 30, 2015 | 8.16M | Dec 14, 2016 |
| FY2015 | Sep 30, 2014 | 6.17M | Dec 14, 2015 |
| FY2014 | Sep 30, 2013 | 6.07M | Dec 12, 2014 |
| FY2013 | Sep 30, 2012 | 5.44M | Dec 16, 2013 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Sep 30, 2025 | $4.69M | Nov 25, 2025 |
| FY2025 | Sep 30, 2024 | $5.07M | Nov 25, 2025 |
| FY2024 | Jun 30, 2024 | $3.82M | Aug 29, 2025 |
| FY2024 | Mar 31, 2024 | $2.57M | Aug 29, 2025 |
| FY2024 | Dec 31, 2023 | $1.30M | Aug 29, 2025 |
| FY2025 | Sep 30, 2023 | $5.43M | Nov 25, 2025 |
| FY2024 | Jun 30, 2023 | $4.12M | Aug 29, 2025 |
| FY2024 | Mar 31, 2023 | $2.79M | Aug 29, 2025 |
| FY2024 | Dec 31, 2022 | $1.40M | Aug 29, 2025 |
| FY2024 | Sep 30, 2022 | $5.92M | Aug 29, 2025 |