Company / FCF Margin
Pathward Financial, Inc. FCF Margin History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
52.3%
FY2025
5-year range
43.4% / 103.4%
FY2021-FY2025
Trend
-12.9%
vs FY2024
Sector context
#44 of 200
Financials
What the data says
Pathward Financial, Inc.'s fcf margin of 52.3% is higher than 78% of companies in the Financials sector (FY2025). FCF Margin has fluctuated over the past 7 years, ranging from 36.4% in FY2019 to 103.4% in FY2021.
Based on SEC 10-K filings.
52.3% in FY2025 with a 5-year CAGR of -38.9%. Top quartile in the Financials sector.
Improved from 45.3% to 52.3% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- +8.9pp
- 5-Year Change
- -38.9pp
- 10-Year Change
- -
Sector benchmark
Top 22% in FinancialsTop 22% of 200This company 52.3% Sector average 214.0%
▼
-75.6% below sector average
Key checks
Key Insights
- In FY2025, fcf margin decreased 12.9% year-over-year.
- Currently 161.8pp below the Financials sector average.
- Peak fcf margin was recorded in FY2021.
- Lowest fcf margin in the period was in FY2019.
Company context
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.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 52.3% | -12.9% |
| FY2024 | 60.0% | +32.5% |
| FY2023 | 45.3% | +4.5% |
| FY2022 | 43.4% | -58.1% |
| FY2021 | 103.4% | +13.4% |
| FY2020 | 91.2% | +150.8% |
| FY2019 | 36.4% | - |
| FY2018 | - | - |
| FY2017 | - | - |
| FY2016 | - | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026