---
schema_version: "secwatch.filing_event.v1"
accession: "0000907471-25-000074"
form_type: "8-K"
ticker: "CASH"
cik: "0000907471"
company_name: "PATHWARD FINANCIAL, INC."
filed_at: "2025-07-28T23:59:59+00:00"
generated_at: "2026-05-18T00:43:20.937212+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000907471-25-000074
- form_type: 8-K
- ticker: CASH
- cik: 0000907471
- company_name: PATHWARD FINANCIAL, INC.
- filed_at: 2025-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/907471/000090747125000074/0000907471-25-000074-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/907471/000090747125000074/cash-20250728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-25-000074
- JSON: https://secwatch.observer/filing/0000907471-25-000074.json
- Plain text: https://secwatch.observer/filing/0000907471-25-000074.txt

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