Company / Free Cash Flow
Pathward Financial, Inc. Free Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
$438.9M
FY2025
5-year range
$260.6M / $568.7M
FY2021-FY2025
Trend
-8.3%
vs FY2024
Sector context
#99 of 296
Financials
What the data says
At $439M, Pathward Financial, Inc.'s free cash flow ranks #99 of 296 in the Financials sector. Free Cash Flow has fluctuated over the past 10 years, ranging from $72M in FY2016 to $569M in FY2021.
Based on SEC 10-K filings.
$439M in FY2025 with a 5-year CAGR of -0.7%.
Improved from $319M to $439M over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- +19.0%
- 5-Year CAGR
- -0.7%
- 10-Year CAGR
- -
Sector benchmark
#99 of 296 in FinancialsTop 33% of 296This company $438.9M Sector average $616.2M
▼
-28.8% below sector average
Key checks
Key Insights
- 5-year CAGR of -0.7%, indicating a declining trend.
- In FY2025, free cash flow decreased 8.3% year-over-year.
- Ranks #99 out of 296 companies in the Financials sector.
- Peak free cash flow was recorded in FY2021.
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 | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $438.9M | -8.3% |
| FY2024 | $478.7M | +49.9% |
| FY2023 | $319.3M | +22.5% |
| FY2022 | $260.6M | -54.2% |
| FY2021 | $568.7M | +25.0% |
| FY2020 | $455.0M | +157.0% |
| FY2019 | $177.0M | +37.0% |
| FY2018 | $129.2M | +14.2% |
| FY2017 | $113.2M | +58.3% |
| FY2016 | $71.5M | +61.9% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026