Pathward Financial, Inc. Cash Flow Statement
CASH / Financials|15 years of annual SEC 10-K data (FY2011-FY2025)
Covers operating cash flow, capital expenditures, free cash flow, share buybacks, and dividends paid across 15 fiscal years. All figures from audited SEC 10-K filings.
Pathward Financial, Inc. generated $451M in operating cash flow and $439M in free cash flow in FY2025. Free cash flow margin was 52.3% of revenue.
Based on SEC 10-K filings.
Key Data Points
- Altman Z-Score 0.22 (distress zone, below 1.8 threshold)
- Strong profit margin: 22.1%
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
| Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $185.9M | $183.2M | $143.3M | $49.3M | $61.3M | $104.7M | $97.0M | $51.6M | $44.9M | $33.2M | $18.1M | $15.7M | $13.4M | $17.1M | $4.6M |
| Depreciation & Amortization | - | - | - | - | - | - | - | $5.7M | $5.5M | $5.4M | $4.6M | $3.5M | $3.3M | $3.5M | $3.8M |
| Operating Cash Flow | $450.6M | $488.8M | $327.9M | $268.8M | $581.6M | $467.2M | $191.0M | $137.8M | $120.0M | $78.5M | $49.2M | $25.8M | -$23.1M | $80.0M | $21.9M |
| Capital Expenditures | $11.7M | $10.1M | $8.6M | $8.2M | $13.0M | $12.3M | $14.0M | $8.5M | $6.8M | $7.0M | $5.0M | $2.3M | $5.3M | $4.1M | $1.8M |
| Free Cash Flow | $438.9M | $478.7M | $319.3M | $260.6M | $568.7M | $455.0M | $177.0M | $129.2M | $113.2M | $71.5M | $44.2M | $23.5M | -$28.3M | $75.9M | $20.0M |
| Dividends Paid | $4.7M | $5.1M | $5.4M | $5.9M | $6.4M | $7.1M | $7.8M | $5.7M | $4.8M | $4.4M | $3.5M | $3.2M | $2.9M | $1.8M | $1.6M |
| FCF Margin | 52.3% | 60.0% | 45.3% | 43.4% | 103.4% | 91.2% | 36.4% | - | - | - | - | - | - | - | - |