Company / Operating Cash Flow
Pathward Financial, Inc. Operating Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Cash Flow
$450.6M
FY2025
5-year range
$268.8M / $581.6M
FY2021-FY2025
Trend
-7.8%
vs FY2024
Sector context
#158 of 405
Financials
What the data says
At $451M, Pathward Financial, Inc.'s operating cash flow ranks #158 of 405 in the Financials sector. Operating Cash Flow has fluctuated over the past 10 years, ranging from $78M in FY2016 to $582M in FY2021.
Based on SEC 10-K filings.
$451M in FY2025 with a 5-year CAGR of -0.7%.
Improved from $328M to $451M over the past 2 years.
Financials sector context is included.
Operating Cash Flow over time
Growth rates
- 3-Year CAGR
- +18.8%
- 5-Year CAGR
- -0.7%
- 10-Year CAGR
- -
Sector benchmark
#158 of 405 in FinancialsTop 39% of 405This company $450.6M Sector average $611.8M
▼
-26.3% below sector average
Key checks
Key Insights
- 5-year CAGR of -0.7%, indicating a declining trend.
- In FY2025, operating cash flow decreased 7.8% year-over-year.
- Ranks #158 out of 405 companies in the Financials sector.
- Peak operating 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 | Operating Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $450.6M | -7.8% |
| FY2024 | $488.8M | +49.1% |
| FY2023 | $327.9M | +22.0% |
| FY2022 | $268.8M | -53.8% |
| FY2021 | $581.6M | +24.5% |
| FY2020 | $467.2M | +144.6% |
| FY2019 | $191.0M | +38.7% |
| FY2018 | $137.8M | +14.8% |
| FY2017 | $120.0M | +52.9% |
| FY2016 | $78.5M | +59.5% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026