---
schema_version: "secwatch.filing_event.v1"
accession: "0000907471-23-000088"
form_type: "8-K"
ticker: "CASH"
cik: "0000907471"
company_name: "PATHWARD FINANCIAL, INC."
filed_at: "2023-07-26T23:59:59+00:00"
generated_at: "2026-06-13T02:37:40.436132+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Pathward Financial Q3 net income $45.1M ($1.68 EPS), revenue up 31% YoY; raises FY23 EPS guide to $5.60-$6.00

## Summary
- Net income $45.1M ($1.68 EPS) vs $22.4M ($0.76) YoY; revenue $165.2M, +31%.
- Net interest margin expands to 6.18% from 4.76%; gross loans $4.07B, +$384M YoY.
- Raises FY2023 GAAP EPS guidance to $5.60-$6.00; introduces FY2024 guidance $6.10-$6.60.
- Repurchased 490k shares in Q3 at avg $43.83; additional 249k shares in July at avg $50.23.
- BaaS card processing expense $20.5M (up from $2.2M prior year) tied to structured deposit agreements.

## SEC filing metadata
- accession: 0000907471-23-000088
- form_type: 8-K
- ticker: CASH
- cik: 0000907471
- company_name: PATHWARD FINANCIAL, INC.
- filed_at: 2023-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/cash-20230726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-23-000088
- JSON: https://secwatch.observer/filing/0000907471-23-000088.json
- Plain text: https://secwatch.observer/filing/0000907471-23-000088.txt

## Key facts
- Earnings Releases
  PATHWARD FINANCIAL, INC. reported the three months ended June 30, 2023 results: revenue $165.2 million, net income $45.1 million, EPS $1.68 per share.
  - Period: the three months ended June 30, 2023
  - Revenue: $165.2 million
  - Net income: $45.1 million
  - EPS: $1.68 per share
  - Result: reported results
  source text: culture as well as the Company's purpose to power Financial Inclusion for All. Financial Highlights for the 2023 Fiscal Third Quarter • Total revenue for the third quarter was $165.2 million, an increase of $39.1 million, or 31%, compared to the same quarter in fiscal 2022 , driven by an increase in both net interest income and noninterest income. • Net interest
  evidence_url: https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm
- Earnings Releases
  PATHWARD FINANCIAL, INC. reported fiscal year 2024 results: EPS $6.10 to $6.60. Guidance initiated.
  - Period: fiscal year 2024
  - EPS: $6.10 to $6.60
  - Guidance: initiated
  - Result: guidance update
  source text: introducing fiscal year 2024 GAAP earnings per diluted share guidance of $6.10 to $6.60
  evidence_url: https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm
- Earnings Releases
  PATHWARD FINANCIAL, INC. reported fiscal year 2023 results: EPS $5.60 to $6.00. Guidance raised.
  - Period: fiscal year 2023
  - EPS: $5.60 to $6.00
  - Guidance: raised
  - Result: guidance update
  source text: we are increasing our fiscal year 2023 GAAP earnings per diluted share guidance to $5.60 to $6.00
  evidence_url: https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.