---
schema_version: "secwatch.filing_event.v1"
accession: "0000907471-24-000122"
form_type: "8-K"
ticker: "CASH"
cik: "0000907471"
company_name: "PATHWARD FINANCIAL, INC."
filed_at: "2024-10-23T23:59:59+00:00"
generated_at: "2026-05-30T11:20:18.476571+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Pathward Q4 EPS $1.35, full-year EPS $6.62, above guidance high end

## Summary
- Q4 net income $33.6M ($1.35/diluted share) vs $35.9M ($1.36) YoY; revenue $167.9M, +4%.
- Full-year net income $168.4M ($6.62/share), up 11% YoY; above updated guidance range.
- NIM expanded to 6.66% (5.15% including rate-related processing expense) from 6.19%.
- Total gross loans $4.08B, down $290.9M YoY due to insurance premium finance held for sale.
- Repurchased 236,308 shares at avg $63.44; 7M shares remain under buyback.

## SEC filing metadata
- accession: 0000907471-24-000122
- form_type: 8-K
- ticker: CASH
- cik: 0000907471
- company_name: PATHWARD FINANCIAL, INC.
- filed_at: 2024-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/907471/000090747124000122/0000907471-24-000122-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/907471/000090747124000122/cash-20241023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-24-000122
- JSON: https://secwatch.observer/filing/0000907471-24-000122.json
- Plain text: https://secwatch.observer/filing/0000907471-24-000122.txt

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