Pathward Financial, Inc. Income Statement

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Income Statement Sep2009 Sep2010 Sep2011 Sep2012 Sep2013 Sep2014 Sep2015 Sep2016 Sep2017 Sep2018 Sep2019 Sep2020 Sep2021 Sep2022 Sep2023 Sep2024 Sep2025
Revenue & Cost
Provisions 18.71M15.79M0.28M-1.05M1.15M1.47M-4.61M10.59M29.43M55.65M64.78M49.77M57.12M109.34M58.10M56.77M
Revenue 18.01M130.53M91.80M103.31M91.53M98.00M117.39M70.53M94.71M97.92M87.13M87.38M108.12M105.73M150.75M125.94M124.97M
Interest income
Interest income - Loans 25.56M24.94M19.65M18.06M16.15M19.67M29.57M36.19M52.12M98.47M274.53M261.13M256.08M285.32M346.82M438.58M455.82M
Interest Income - Debt Securities 10.23M13.37M18.36M16.13M11.90M15.34M13.98M15.77M20.65M29.49M44.11M52.82M48.01M41.87M46.24M59.13M74.78M
Other interest income 0.94M0.77M1.04M3.11M10.93M13.64M18.06M29.44M39.41M44.58M39.81M22.68M17.62M17.27M33.94M41.07M33.52M
Interest Income - Total 36.73M39.08M39.06M37.30M38.98M48.66M61.61M81.40M108.10M158.53M325.73M292.84M285.85M329.44M421.95M519.06M523.39M
Interest expenses
Interest Expense - Deposits 5.34M3.91M3.07M2.21M1.28M0.96M0.73M0.61M6.05M15.16M46.65M22.62M1.59M0.50M4.36M13.02M5.43M
Interest Expense - Debt 3.57M2.08M1.68M1.36M1.67M1.43M1.66M3.48M8.82M12.82M14.87M11.19M5.27M4.37M6.52M8.21M6.17M
Interest Expenses 5.99M4.75M3.56M2.95M2.40M2.39M4.09M14.87M27.98M61.52M33.80M6.86M4.87M10.87M21.23M11.60M
Interest Income - Net 27.82M33.09M34.31M33.73M36.02M46.26M59.22M77.31M93.23M130.55M264.21M259.04M278.99M324.57M411.08M497.82M511.79M
Non-interest income
Interest Income - Total 9.11M17.30M34.03M32.69M36.02M45.11M57.76M72.70M82.64M101.12M208.56M194.26M229.22M267.77M301.83M439.72M455.02M
Financial Services Fees 0.66M0.36M0.42M1.19M0.87M0.06M23.35M38.96M
Service Charges 0.75M0.77M0.65M0.62M0.63M0.62M0.59M0.60M0.74M
Investment Gain (Loss) -0.54M-8.18M0.73M0.05M0.01M0.15M-25.08M
Investment Banking Income 0.07M0.08M0.19M-0.01M0.18M5.09M5.39M8.61M-3.69M0.27M5.92M37.02M
Mortgage Banking 0.98M2.03M1.66M2.22M
Card Income 77.50M93.21M53.89M53.22M50.79M48.74M54.54M70.53M94.71M
Other Non-Interest Income 0.51M19.41M1.11M2.10M1.00M1.14M2.35M5.37M9.00M25.96M42.85M14.64M26.24M17.36M22.11M23.17M26.62M
Non-Interest Income 79.49M97.44M57.49M69.57M55.50M51.74M58.17M100.77M172.17M184.53M222.54M239.79M270.90M293.81M316.60M299.59M328.10M
Operating Items
Amortization - Intangibles 9.64M17.71M11.00M8.54M6.58M4.97M4.13M3.46M
Depreciation & Amortization - Total 5.40M5.50M5.70M26.18M32.83M30.99M35.64M45.71M41.76M45.64M
Research & Development 1.27M1.09M1.14M1.23M1.32M1.35M1.33M1.45M1.23M1.47M
Wages, Salaries and Other 32.53M30.47M31.10M34.11M38.16M46.49M61.67M88.73M109.04M155.81M136.25M151.09M171.13M184.32M201.47M200.50M
Rent Expense 8.16M8.47M8.49M8.48M8.98M11.40M14.00M16.46M19.74M28.07M27.00M29.27M34.91M34.69M36.59M42.09M
Other Operating Expenses 85.50M73.70M65.83M64.70M19.09M19.72M113.92M176.25M201.57M277.44M19.27M283.43M50.00M10.00M442.35M15.04M
Operating Expenses 94.93M83.26M75.46M74.40M78.23M96.51M134.65M199.66M228.23M333.16M319.05M343.68M381.28M463.39M520.69M560.07M
Operating Income 9.38M5.99M6.52M6.80M-66.09M-107.07M-132.99M-248.72M
EBIT -2.01M25.81M13.01M9.38M5.99M6.52M6.80M-66.09M-107.07M-132.99M-248.72M148.81M163.31M185.18M165.92M239.85M234.65M
Non-operating items
Other Non Operating Income 0.04M0.12M0.19M
Net income details
EBT -2.01M19.81M8.26M26.80M17.12M18.62M19.42M38.82M55.15M57.41M97.94M115.00M156.45M180.30M155.04M218.62M223.05M
Tax Provisions -0.54M7.42M3.62M9.68M3.70M2.91M1.37M5.60M10.23M5.12M-3.37M5.66M10.70M26.20M9.59M34.11M36.27M
Profit After Tax -1.46M12.39M8.26M26.80M17.12M15.71M18.05M33.22M44.92M52.29M101.32M109.34M145.75M154.10M145.46M184.51M186.79M
Income from Non-Controlling Interests 0.67M4.31M4.62M4.04M2.97M2.19M1.29M0.92M
Income from Continuing Operations -1.46M12.39M4.64M17.11M13.42M15.71M18.05M33.22M44.92M52.29M101.32M109.34M145.75M154.10M145.46M184.51M186.79M
Consolidated Net Income -1.46M12.39M4.64M17.11M13.42M15.71M18.05M33.22M44.92M52.29M101.32M109.34M145.75M154.10M145.46M184.51M186.79M
Income towards Parent Company -1.46M12.39M4.64M17.11M13.42M15.71M18.05M33.22M44.92M52.29M101.32M109.34M145.75M154.10M145.46M184.51M186.79M
Net Income towards Common Stockholders -1.46M12.39M4.64M17.11M13.42M15.71M18.05M33.22M44.92M52.29M101.32M109.34M145.75M154.10M145.46M184.51M186.79M
Additional items
EPS (Basic) -0.194.231.494.942.402.572.681.311.621.682.492.944.385.095.267.217.91
EPS (Weighted Average and Diluted) 4.111.494.922.382.532.661.301.611.672.492.944.385.095.247.207.87
Shares Outstanding (Weighted Average) 11.54M17.90M18.55M20.85M25.57M28.05M39.18M37.88M34.63M31.92M29.05M26.23M24.98M22.77M
EBITDA 1.72M15.83M9.38M
Tax Rate 27.07%37.45%43.85%36.13%21.63%15.61%7.04%14.43%18.55%8.91%4.92%6.84%14.53%6.18%15.60%16.26%