Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | $487M | $499M | $550M | $601M | $704M | $797M | $840M |
| Revenue growth | — | — | — | — | 2.5% | 10.2% | 9.3% | 17.2% | 13.2% | 5.3% |
| Net income | $33.2M | $44.9M | $51.6M | $97.0M | $105M | $142M | $156M | $143M | $183M | $186M |
| Net margin | — | — | — | 19.9% | 21.0% | 25.8% | 26.0% | 20.3% | 23.0% | 22.1% |
| EPS (diluted) | $1.30 | $1.61 | $1.67 | $2.49 | $2.94 | $4.38 | $5.26 | $5.24 | $7.20 | $7.87 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $78.5M | $120M | $138M | $191M | $467M | $582M | $269M | $328M | $489M | $451M |
| Capital expenditures | $6.98M | $6.80M | $8.54M | $14.0M | $12.3M | $13.0M | $8.18M | $8.62M | $10.1M | $11.7M |
| Free cash flow | $71.5M | $113M | $129M | $177M | $455M | $569M | $261M | $319M | $479M | $439M |
| Dividends paid | $4.39M | $4.84M | $5.74M | $7.76M | $7.10M | $6.40M | $5.92M | $5.43M | $5.07M | $4.69M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $774M | $1.27B | $100.0M | $127M | $427M | $314M | $388M | $376M | $158M | $121M |
| Total assets | $4.01B | $5.23B | $5.84B | $6.18B | $6.09B | $6.69B | $6.75B | $7.50B | $7.53B | $7.17B |
| Total liabilities | $3.67B | $4.79B | $5.09B | $5.34B | $5.24B | $5.82B | $6.10B | $6.88B | $6.71B | $6.31B |
| Long-term debt | — | — | $89.0M | $216M | $98.2M | $92.8M | $36.0M | $33.9M | $33.4M | $33.5M |
| Shareholders' equity | $335M | $434M | $744M | $840M | $844M | $871M | $645M | $652M | $822M | $858M |
| Retained earnings | $127M | $167M | $213M | $253M | $235M | $259M | $245M | $279M | $337M | $360M |
| Shares (wtd avg diluted) | 8.48M | 27.9M | 30.9M | 38.0M | 34.8M | 31.8M | 29.2M | 26.9M | 25.2M | 23.5M |
Every figure is extracted from PATHWARD FINANCIAL, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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