Financials in USD. Standardized financial statements.
A compact view of how Pathward Financial, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $685.23M | $668.90M | $611.47M | $523.39M | $515.13M | $477.04M | $513.97M | $303.21M | $241.02M | $151.25M |
| Revenue Growth? | +2.4% | +9.4% | +16.8% | +1.6% | +8.0% | -7.2% | +69.5% | +25.8% | +59.3% | 0.0% |
| Cost of Revenue? | $68.37M | $79.33M | $120.12M | $61.66M | $56.63M | $98.58M | $117.17M | $57.42M | $25.46M | $8.70M |
| Gross Profit? | $616.86M | $589.57M | $491.35M | $461.73M | $458.50M | $378.46M | $396.80M | $245.79M | $215.56M | $142.56M |
| Gross Margin? | +90.0% | +88.1% | +80.4% | +88.2% | +89.0% | +79.3% | +77.2% | +81.1% | +89.4% | +94.3% |
| Operating Expenses? | $393.81M | $370.95M | $336.30M | $281.43M | $302.06M | $263.45M | $298.86M | $188.38M | $160.41M | $103.74M |
| Operating Income? | $223.05M | $218.62M | $155.04M | $180.30M | $156.45M | $115.00M | $97.94M | $57.41M | $55.15M | $38.82M |
| EBITDA? | $282.78M | $276.38M | $220.00M | $241.90M | $215.49M | $175.75M | $153.09M | $95.13M | $100.20M | $38.80M |
| Income Before Tax | $223.05M | $218.62M | $155.04M | $180.30M | $156.45M | $115.00M | $97.94M | $57.41M | $55.15M | $38.82M |
| Income Tax Expense | $36.27M | $34.11M | $9.59M | $26.20M | $10.70M | $5.66M | -$3.37M | $5.12M | $10.23M | $5.60M |
| Net Income? | $185.87M | $183.22M | $143.27M | $151.13M | $141.71M | $104.72M | $97.00M | $51.62M | $44.92M | $33.22M |
| EPS? | $7.91 | $7.21 | $6.01 | $5.26 | $4.38 | $2.94 | $2.49 | $1.68 | $1.62 | $1.32 |
| Diluted EPS? | $7.87 | $7.20 | $5.99 | $5.26 | $4.38 | $2.94 | $2.49 | $1.67 | $1.61 | $1.31 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality