---
schema_version: "secwatch.filing_event.v1"
accession: "0000907471-25-000102"
form_type: "8-K"
ticker: "CASH"
cik: "0000907471"
company_name: "PATHWARD FINANCIAL, INC."
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T03:10:10.523258+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Pathward Financial Q4 net income $38.8M ($1.69 EPS) vs $33.5M YoY; FY net income $185.9M

## Summary
- Q4 revenue $186.7M (+4% YoY); NIM 7.46% vs 7.32% YoY.
- FY 2025 net income $185.9M ($7.87 EPS) vs $183.2M ($7.20) in FY 2024.
- Total gross loans $4.66B, up $589.7M YoY; commercial finance up 19% YoY.
- Moved $144.1M consumer finance loans to held for sale; closed sale of over half on Oct 3.
- Q4 share repurchases 180,740 shares at avg $82.95; 4.94M shares remain under program.

## SEC filing metadata
- accession: 0000907471-25-000102
- form_type: 8-K
- ticker: CASH
- cik: 0000907471
- company_name: PATHWARD FINANCIAL, INC.
- filed_at: 2025-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/907471/000090747125000102/0000907471-25-000102-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/907471/000090747125000102/cash-20251021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-25-000102
- JSON: https://secwatch.observer/filing/0000907471-25-000102.json
- Plain text: https://secwatch.observer/filing/0000907471-25-000102.txt

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