Pathward Financial, Inc. (CASH) Earnings History
Elite Compounder33 years of earnings data (1993–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Pathward Financial, Inc. (CASH) Earnings Overview
As of June 23, 2026, Pathward Financial, Inc. (CASH) reported trailing twelve-month net income of $191M, reflecting +9.3% year-over-year growth. The company earned $8.53 per diluted share over the past four quarters, with a net profit margin of 27.1%.
Looking at the long-term picture, CASH's 5-year EPS compound annual growth rate (CAGR) stands at +21.8%, indicating exceptional earnings growth. The company achieved its highest annual net income of $186M in fiscal 2025, representing a new all-time high.
Pathward Financial, Inc. maintains industry-leading profitability with a gross margin of 90.0%, operating margin of 32.6%, and net margin of 27.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including GDOT (-$71M net income, -4.8% margin), EVTC ($133M net income, 15.2% margin), FCFS ($354M net income, 9.0% margin), CASH has outperformed on profitability metrics. Compare CASH vs GDOT →
CASH Earnings vs Peers
Earnings metrics vs comparable public companies
CASH Historical Earnings Data (1993–2025)
33 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $186M | +1.4% | $223M | $7.87 | 27.1% | 32.6% |
| 2024 | $183M | +27.9% | $219M | $7.20 | 27.4% | 32.7% |
| 2023 | $143M | -5.2% | $155M | $5.99 | 23.4% | 25.4% |
| 2022 | $151M | +6.7% | $180M | $5.26 | 28.9% | 34.4% |
| 2021 | $142M | +35.3% | $156M | $4.38 | 27.5% | 30.4% |
| 2020 | $105M | +8.0% | $115M | $2.94 | 22.0% | 24.1% |
| 2019 | $97M | +87.9% | $98M | $2.49 | 18.9% | 19.1% |
| 2018 | $52M | +14.9% | $57M | $1.67 | 17.0% | 18.9% |
| 2017 | $45M | +35.2% | $55M | $1.61 | 18.6% | 22.9% |
| 2016 | $33M | +84.0% | $39M | $1.31 | 22.0% | 25.7% |
| 2015 | $18M | +14.9% | $19M | $0.89 | 17.5% | 18.8% |
| 2014 | $16M | +17.1% | $19M | $0.84 | 18.5% | 21.9% |
| 2013 | $13M | -21.6% | $17M | $0.79 | 17.0% | 21.7% |
| 2012 | $17M | +268.8% | $27M | $1.64 | 19.1% | 29.9% |
| 2011 | $5M | -62.6% | $8M | $0.50 | 6.3% | 11.3% |
| 2010 | $12M | +947.1% | $20M | $1.37 | 9.1% | 14.5% |
| 2009 | -$1M | -43.0% | -$2M | $-0.19 | -1.3% | -1.7% |
| 2008 | -$1M | -187.4% | -$3M | $-0.13 | -1.4% | -3.8% |
| 2007 | $1M | -68.2% | $3M | $0.15 | 2.0% | 4.3% |
| 2006 | $4M | +499.1% | $5M | $0.49 | 7.1% | 9.8% |
| 2005 | $-924,000 | -123.2% | -$1M | $-0.13 | -2.2% | -2.7% |
| 2004 | $4M | +17.4% | $6M | $0.52 | 10.0% | 15.2% |
| 2003 | $3M | +57.5% | $5M | $0.45 | 8.8% | 13.1% |
| 2002 | $2M | +12.9% | $3M | $0.29 | 5.6% | 8.2% |
| 2001 | $2M | -18.0% | $3M | $0.26 | 4.8% | 7.4% |
| 2000 | $2M | -10.5% | $4M | $0.31 | 5.9% | 9.9% |
| 1999 | $3M | -7.1% | $4M | $0.35 | 7.0% | 11.8% |
| 1998 | $3M | -22.2% | $5M | $0.34 | 8.2% | 14.1% |
| 1997 | $4M | +50.0% | $6M | $0.42 | 11.7% | 19.9% |
| 1996 | $2M | -31.4% | $4M | $0.30 | 9.3% | 15.9% |
| 1995 | $4M | +25.0% | $6M | $0.45 | 15.0% | 24.8% |
| 1994 | $3M | +47.4% | $4M | $0.31 | 17.2% | 23.9% |
| 1993 | $2M | - | $3M | $0.15 | 14.4% | 19.7% |
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CASH — Frequently Asked Questions
Quick answers to the most common questions about buying CASH stock.
What is CASH earnings per share (EPS)?
CASH trailing twelve-month (TTM) diluted EPS is $8.53, reflecting +9.3% year-over-year growth. The 5-year EPS CAGR is +21.8%. Complete EPS history from 1993 to 2025 is available in the table on this page.
What is Pathward Financial, Inc.'s net income?
Pathward Financial, Inc. (CASH) trailing twelve-month net income is $191M as of 2025. Earnings grew +9.3% year-over-year. Pathward Financial, Inc. has been profitable for 16 consecutive years.
Is CASH profitable?
Yes, CASH is profitable with a TTM net income of $191M and a net profit margin of +27.1%. Pathward Financial, Inc. has generated profits for 16 consecutive years.
What is CASH's earnings growth rate?
CASH compound annual EPS growth rates (CAGR): 1-Year: +9.3%, 3-Year: +14.4%, 5-Year: +21.8%, 10-Year: +24.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1993 to 2025.
What are CASH's profit margins?
Pathward Financial, Inc. net profit margin is +27.1%, operating margin is +32.6%, and gross margin is +90.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +21.9%.
Is CASH growing earnings?
CASH is growing earnings steadily. YoY EPS growth of +9.3% is consistent with the 5-year CAGR of +21.8%. TTM net income is $191M.
What was CASH's best earnings year?
Pathward Financial, Inc.'s highest annual net income on record is $186M, achieved in fiscal year 2025. Earnings history on this page spans 1993 to 2025 and includes all annual and quarterly figures.
What were CASH's earnings last quarter?
CASH's most recent reported quarter was Q1 2026. Net income was $35M with diluted EPS of $1.57. For a full breakdown of all quarters, see the quarterly earnings table on this page.