)

Pathward Financial (CASH) investor relations material
Pathward Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q3 2025 was $42.1M ($1.81 per share), down from $44.9M ($1.78 per share) in Q3 2024, reflecting continued execution of strategic initiatives and updated accounting due to restatements.
Total revenue for Q3 2025 was $195.8M, up 4% year-over-year, driven by higher noninterest income.
Net interest margin rose to 7.43% from 7.26% last year, reflecting improved asset mix and lower funding costs.
Noninterest income increased 11% to $73.4M, led by secondary market revenue, card/deposit fees, and tax services.
Noninterest expense rose 11% to $139.3M, mainly due to higher legal, consulting, card processing, and occupancy costs.
Financial highlights
Net interest income for Q3 2025 was $122.3M, nearly flat year-over-year; nine-month net interest income rose 4% to $383.8M.
Loans and leases increased 3% year-over-year to $4.74B, with commercial finance loans comprising 80% of the portfolio.
Allowance for credit losses (ACL) as a percentage of loans and leases was 2.23% at June 30, 2025, up from 1.76% at September 2024.
Nonperforming assets to total assets rose to 1.03% from 0.62% year-over-year.
End-of-period deposits decreased 7% year-over-year to $6.01B, mainly due to lower noninterest-bearing and wholesale deposits.
Outlook and guidance
Fiscal 2025 EPS guidance is $7.50–$7.80, assuming one rate cut and a 16–20% tax rate; 2026 guidance is $8.25–$8.75, assuming no rate cuts and an 18–22% tax rate, both including share repurchases.
Management expects continued profitability, strong capital ratios, and the ability to meet liquidity needs.
Impact from accounting changes expected to be muted in Q4 2025 and FY 2026 as portfolios reach steady state.
Next Pathward Financial earnings date

Next Pathward Financial earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage