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Pathward Financial (CASH) investor relations material

Pathward Financial Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q4 2025 earnings summary21 Oct, 2025

Executive summary

  • Fiscal year 2025 net income was $185.9 million, up 1% year-over-year, with diluted EPS of $7.87, up 9% from FY 2024 and above guidance.

  • Completed key divestitures, including the sale of insurance premium finance and transportation portfolios, and hired new leadership.

  • Notable new partnerships include Trustly, Stripe, Greenlight, and a live partnership with Upstart for personal loans.

  • Recognized as a top workplace and achieved Great Place to Work certification for the third consecutive year.

  • Maintained a diversified business model with strong fee and interest income streams across consumer and commercial segments.

Financial highlights

  • Total revenue for FY 2025 reached $840 million, up from $797 million in FY 2024.

  • Non-interest income increased 10% year-over-year, comprising 39% of FY 2025 revenue, with card and deposit fees as the largest component.

  • Net interest margin for the year was 7.34%, with adjusted NIM at 5.92%.

  • Q4 2025 net income was $38.8 million ($1.69/share), up 16% year-over-year; Q4 revenue was $186.7 million, up 4%.

  • Loans and leases grew 14% year-over-year to $4.7 billion, mainly in commercial finance.

Outlook and guidance

  • Fiscal year 2026 EPS guidance is $8.25–$8.75, assuming no rate cuts, an 18%-22% effective tax rate, and continued share repurchases.

  • The company expects lower pre-tax income and net interest margin in 2026 due to the sale of the consumer portfolio but remains confident in guidance.

  • Tax business growth is expected to be solid, with mid-single-digit growth rates anticipated.

  • Guidance includes expected share repurchases.

  • Management expressed confidence in continued execution of strategic initiatives and growth in net income and EPS.

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Frequently asked questions

Pathward Financial Inc is a financial holding company that operates through its banking subsidiary, Pathward. The company provides commercial finance, consumer payments, and banking-as-a-service solutions. It serves a wide range of clients including fintechs, businesses, and underbanked consumers through tailored financial products and embedded banking services. The company is headquartered in Sioux Falls, South Dakota, and its shares are listed on the NASDAQ.

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