Pathward Financial Q3 net income $42.1M ($1.81 EPS), revenue up 4%; plans restatement

PATHWARD FINANCIAL, INC.

2025-Q3 EPS reported $6.17 revenue$653,186,000

Net income $42.1M ($1.81 diluted EPS) vs $44.9M ($1.78) in Q3 FY24; total revenue $195.8M, +4% YoY.
Net interest margin expanded 17 bps to 7.43%; loans ex insurance premium finance up 19% YoY.
Company plans to restate FY2024 10-K and Q1 FY2025 10-Q due to gross vs net and derivative accounting errors in Credit Solutions.
Nonperforming assets rose to 1.03% of total assets ($74.7M) from 0.60% at March 31, 2025.
Repurchased 603,780 shares at avg $74.49 during the quarter; 5.1M shares remain under buyback program.

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