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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.Q3 2025 earnings summary28 Jul, 2025
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.
Quantify incremental expenses from accounting change.
Discuss AI strategy and P&L impact timeline.
Update on partner pipeline in Banking-as-a-Service.
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Next Pathward Financial earnings date
Q4 202521 Oct, 2025
Next Pathward Financial earnings date
Q4 202521 Oct, 2025
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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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