Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, money market savings accounts, and certificate accounts. It also provides commercial finance product comprising term lending, asset based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is headquartered in Sioux Falls, South Dakota.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $685.23M | $626.20M | $588.25M | $523.39M | $515.13M | $477.04M | $513.97M | $303.21M |
| Cost of Revenue | $68.37M | $63.89M | $68.23M | $61.66M | $56.63M | $98.58M | $117.17M | $57.42M |
| Gross Profit | $616.86M | $562.30M | $520.02M | $461.73M | $458.50M | $378.46M | $396.80M | $245.79M |
| Gross Margin | 90.02% | 89.80% | 88.40% | 88.22% | 89.01% | 79.34% | 77.20% | 81.06% |
| Operating Expenses | $393.81M | $363.51M | $337.89M | $281.43M | $302.06M | $263.45M | $298.86M | $188.38M |
| Operating Income | $223.05M | $198.79M | $182.13M | $180.30M | $156.45M | $115.00M | $97.94M | $57.41M |
| Operating Margin | 32.55% | 31.75% | 30.96% | 34.45% | 30.37% | 24.11% | 19.06% | 18.93% |
| Net Income | $185.87M | $168.36M | $163.62M | $151.13M | $141.71M | $104.72M | $97.00M | $51.62M |
| Net Margin | 27.13% | 26.89% | 27.81% | 28.88% | 27.51% | 21.95% | 18.87% | 17.02% |
| EPS (Basic) | $7.91 | $6.63 | $6.01 | $5.26 | $4.38 | $2.94 | $2.49 | $1.68 |
| EBITDA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Stock Option Compensation Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price To Earnings Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price To Sales Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Shares Outstanding | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Market Capitalization | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |