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Market Closed -
Nasdaq
21:00:00 22/10/2026 BST
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5-day change | 1st Jan Change | ||
| 76.75 USD | +3.44% |
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+6.42% | +8.10% |
| 10-21 | Pathward Financial, Inc., Q4 2026 Earnings Call, Oct 21, 2026 | |
| 10-21 | Pathward Financial Fiscal Q4 Earnings Rise, Revenue Declines | MT |
Projected Income Statement: Pathward Financial, Inc.
| Fiscal Period: September | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 549.9 | 601.1 | 704.5 | 754.7 | 839.9 | 822.2 | 872.7 | 927.8 |
| Change | - | 9.32% | 17.19% | 7.13% | 11.29% | -2.11% | 6.15% | 6.32% |
| EBITDA | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| EBIT 1 | 206.2 | 215.9 | 239.5 | 241.5 | 279.8 | 292.7 | 300.6 | 316.4 |
| Change | - | 4.68% | 10.95% | 0.82% | 15.89% | 4.6% | 2.72% | 5.24% |
| Interest Paid | - | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 156.4 | 187.3 | 182.1 | 198.8 | - | 205.2 | 238.8 | 248.4 |
| Change | - | 19.73% | -2.77% | 9.15% | - | - | 16.33% | 4.04% |
| Net income 1 | 141.7 | 156.4 | 161.2 | 166.8 | 185.2 | 175.5 | 192.4 | 197.6 |
| Change | - | 10.36% | 3.06% | 3.5% | 11.01% | -5.24% | 9.65% | 2.72% |
| Announcement Date | 27/10/21 | 27/10/22 | 25/10/23 | 23/10/24 | 21/10/25 | 21/10/26 | - | - |
Forecast Balance Sheet: Pathward Financial, Inc.
| Fiscal Period: September | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Announcement Date | 27/10/21 | 27/10/22 | 25/10/23 | 23/10/24 | 21/10/25 | 21/10/26 | - | - |
Cash Flow Forecast: Pathward Financial, Inc.
| Fiscal Period: September | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| CAPEX 1 | 65.9 | 64.03 | 438.9 | 449.9 | 276.8 | 214 |
| Change | - | -2.85% | 585.43% | 2.52% | -38.49% | -22.67% |
| Free Cash Flow (FCF) 1 | - | - | - | - | - | - |
| Change | - | - | - | - | - | - |
| Announcement Date | 30/11/20 | 23/11/21 | 22/11/22 | 21/11/23 | 26/11/24 | 25/11/25 |
Forecast Financial Ratios: Pathward Financial, Inc.
| Fiscal Period: September | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|---|
Profitability | |||||||||
| EBITDA Margin (%) | - | - | - | - | - | - | - | - | - |
| EBIT Margin (%) | - | 37.5% | 35.91% | 34% | 31.99% | 33.32% | 35.6% | 34.45% | 34.1% |
| EBT Margin (%) | - | 28.45% | 31.16% | 25.85% | 26.34% | - | 24.96% | 27.36% | 26.77% |
| Net margin (%) | - | 25.77% | 26.02% | 22.88% | 22.1% | 22.05% | 21.34% | 22.05% | 21.3% |
| FCF margin (%) | - | - | - | - | - | - | - | - | - |
| FCF / Net Income (%) | - | - | - | - | - | - | - | - | - |
Profitability | |||||||||
| ROA | - | 2.22% | 2.33% | 2.33% | 2.2% | 2.46% | 2.3% | 2.49% | 2.4% |
| ROE | - | 16.53% | 20.63% | 24.86% | 22.37% | 23.44% | 20.91% | 22.4% | 21.8% |
Financial Health | |||||||||
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - | - |
| Debt / Free cash flow | - | - | - | - | - | - | - | - | - |
Capital Intensity | |||||||||
| CAPEX / Current Assets (%) | - | - | - | - | - | - | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | - | - | - | - | - | - |
| CAPEX / FCF (%) | - | - | - | - | - | - | - | - | - |
Items per share | |||||||||
| Cash flow per share 1 | - | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | - | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Change | - | - | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Book Value Per Share 1 | - | 27.53 | 22.41 | 24.85 | 33.79 | 37.65 | 39.54 | 46 | 53.38 |
| Change | - | - | -18.6% | 10.89% | 35.98% | 11.42% | 5.02% | 10.59% | 16.06% |
| EPS 1 | - | 4.38 | 5.26 | 5.99 | 6.62 | 7.87 | 8.14 | 9.633 | 10.86 |
| Change | - | - | 20.09% | 13.88% | 10.52% | 18.88% | 3.43% | 21.63% | 12.79% |
| Nbr of stocks (in thousands) | - | 31,920 | 29,054 | 26,226 | 24,977 | 22,773 | 20,773 | 20,773 | 20,773 |
| Announcement Date | - | 27/10/21 | 27/10/22 | 25/10/23 | 23/10/24 | 21/10/25 | 21/10/26 | - | - |
| 2026 | 2027 * | |
|---|---|---|
| P/E | 8.74x | 7.97x |
| PBR | 1.8x | 1.67x |
| EV / Sales | 1.8x | 1.83x |
| Yield | 0.26% | 0.26% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
Trader
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Quality
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ESG MSCI
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Quarterly revenue - Rate of surprise
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