← PATHWARD FINANCIAL, INC.
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Net Income (Loss) Attributable to Parent | $33.2m |
$44.9m
+35.21%
|
$51.6m
+14.92%
|
$97.0m
+87.92%
|
$104.7m
+7.95%
|
$141.7m
+35.32%
|
$156.4m
+10.36%
|
$163.6m
+4.62%
|
$183.2m
+11.98%
|
$185.9m
+1.45%
|
— | |
| Net Income (Loss) Available to Common Stockholders, Basic | — | $56k |
$116k
+107.63%
|
— | — | $139.0m |
$153.8m
+10.65%
|
$161.2m
+4.77%
|
$181.5m
+12.65%
|
$185.2m
+2.01%
|
— | |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | — | — | $52.3m | $101.3m | $109.3m | $145.7m | $159.4m | $165.8m | $184.5m | $186.8m | — | |
| Net Income (Loss) Attributable to Noncontrolling Interest | — | — | $673k | $4.3m | $4.6m | $4.0m | $3.0m | $2.2m | $1.3m | $915k | — | |
| Depreciation, Amortization and Accretion, Net | $35.6m | $45.0m | $37.7m | $55.1m | $60.7m | $59.0m | $61.6m | $65.0m | $57.8m | $59.7m | $51.2m | |
| Amortization of Intangible Assets | $4.8m | $12.4m | $9.6m | $17.7m | $11.0m | $8.5m | $6.6m | $5.0m | $4.1m | $3.5m | — | |
| Depreciation | $5.4m | $5.5m | $5.7m | $8.6m | $9.2m | $9.6m | $11.3m | $11.1m | $10.2m | $9.6m | $51.2m | |
| Share-based Payment Arrangement, Noncash Expense | — | $10.4m | $11.1m | $12.9m | $10.2m | $6.9m | $10.0m | $11.1m | $10.3m | $9.5m | $11.6m | |
| Payment, Tax Withholding, Share-based Payment Arrangement | — | $470k | $2.6m | $49.9m | $118.7m | $99.9m | $168.2m | $120.4m | $86.9m | $163.0m | — | |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual Amount | — | — | — | — | — | — | — | — | $1.0m | $3.0m | — | |
| Goodwill, Impairment Loss | — | — | — | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $325k | |
| Impairment of Intangible Assets (Excluding Goodwill) | — | $10.2m | $18k | $111k | $0 | $0 | $670k | $0 | $0 | $0 | — | |
| Impairment of Intangible Assets, Finite-lived | $0 | $10.8m | $179k | $313k | $156k | $23k | $873k | — | — | $631k | — | |
| Operating Lease, Impairment Loss | — | — | — | — | $447k | $224k | $670k | $0 | $0 | — | — | |
| Changes in operating assets and liabilities: | ||||||||||||
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | $28.9m | $57.4m | $57.7m | $56.5m | — | |
| Increase (Decrease) in Other Operating Assets | $2.0m | $23.4m | ($2.6m) | $5.4m | ($1.5m) | ($825k) | $32.9m | ($17.1m) | $11.8m | $79.6m | — | |
| Gain (Loss) on Disposition of Other Assets | ($104k) | ($406k) | ($127k) | $89k | ($361k) | ($28k) | ($1.4m) | $91k | $6.7m | $5.2m | — | |
| Net Cash Provided by (Used in) Operating Activities | $78.0m |
$120.0m
+53.82%
|
$137.8m
+14.80%
|
$191.0m
+38.66%
|
$467.2m
+144.60%
|
$581.6m
+24.49%
|
$268.8m
-53.78%
|
$303.1m
+12.76%
|
$488.8m
+61.26%
|
$450.6m
-7.81%
|
$696.9m
+54.65%
|
|
| Cash flows from investing activities: | ||||||||||||
| Gain (Loss) on Disposition of Property Plant Equipment | — | — | — | — | — | — | ($55k) | ($65k) | $0 | $0 | ($34.1m) | |
| Payments to Acquire Property, Plant, and Equipment | $7.0m | $6.8m | $8.5m | $14.0m | $12.3m | $13.0m | $8.2m | $8.6m | $10.1m | $11.7m | ($217.7m) | |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $116.3m | $126.4m | $162.1m | $164.0m | $237.3m | $371.9m | $324.2m | $177.3m | $201.7m | $163.8m | — | |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | — | — | $729k | $51k | $6k | $154k | $0 | $0 | ($25.1m) | — | |
| Payments to Acquire Businesses, Net of Cash Acquired | $0 | $29.4m | $6k | $0 | — | — | — | — | — | — | — | |
| Net Cash Provided by (Used in) Investing Activities | ($738.5m) | ($700.4m) | ($389.8m) | ($339.2m) | ($206.3m) | ($1.1b) | ($310.9m) | ($920.8m) | ($262.9m) | $25.8m | ($628.9m) | |
| Cash flows from financing activities: | ||||||||||||
| Repayments of Long-term Debt | — | — | $258k | $0 | $0 | — | $75.0m | $0 | $0 | — | $0 | |
| Proceeds from Issuance of Long-term Debt | $75.0m | $0 | $0 | — | — | — | $20.0m | $0 | $0 | — | $0 | |
| Payments of Ordinary Dividends, Common Stock | $4.4m | $4.8m | $5.7m | $7.8m | $7.1m | $6.4m | $5.9m | $5.4m | $5.1m | $4.7m | ($4.4m) | |
| Proceeds from Issuance of Common Stock | — | $4k | $4k | $3k | $2k | $0 | $1k | $1k | $3k | $0 | $1k | |
| Other Interest and Dividend Income | $29.4m | $39.4m | $44.6m | $39.8m | $22.7m | $17.6m | $17.3m | $33.9m | $41.1m | $33.5m | — | |
| Net Cash Provided by (Used in) Financing Activities | $1.4b |
$1.1b
-23.63%
|
($915.6m)
-185.23%
|
$174.9m
+119.10%
|
$40.0m
-77.12%
|
$422.9m
+956.83%
|
$117.8m
-72.14%
|
$604.9m
+413.38%
|
($443.2m)
-173.27%
|
($513.0m)
-15.75%
|
($173.7m)
+66.15%
|
|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | — | — | — | — | $300.8m | ($113.3m) | $74.0m | ($12.5m) | ($217.2m) | ($37.8m) | $152.7m | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | — | — | $427.4m | $314.0m | $388.0m | $375.6m | $158.3m | $120.6m | $152.7m | |
| Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | — | — | ($101k) | $476k | ($1.7m) | $331k | $81k | ($1.2m) | ($3.3m) | |
| Additional Supplementary Disclosures | ||||||||||||
| Additional Supplementary Disclosures | ||||||||||||
| Provision for Loan, Lease, and Other Losses | $4.6m | $10.6m | ($29.4m) | $55.6m | $64.8m | — | — | — | — | — | $70.7m | |
| Bank Owned Life Insurance Income | $4.9m | $3.9m | — | — | — | — | — | — | — | — | — | |
| Gain (Loss) on Sales of Loans, Net | — | — | $181k | $5.1m | $5.4m | $8.6m | ($3.7m) | $268k | $5.9m | $37.0m | — | |
| Proceeds from Stock Options Exercised | — | $650k | $148k | $44k | $266k | $0 | $0 | — | — | — | — | |
| Parent Company | $4.4m | $4.8m | $5.7m | $7.8m | $7.1m | $6.4m | $5.9m | $5.4m | $5.1m | $4.7m | — | |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating Activities | — | — | $33.5m | $59.9m | $41.3m | $8.2m | $5.3m | $10.8m | $20.9m | $12.0m | — | |
| Income Taxes Paid, Net | — | — | — | ($2.8m) | $6.2m | $8.0m | $13.9m | $14.1m | $19.6m | $18.4m | — | |
| Additional Financial Items | ||||||||||||
| Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal | — | — | — | — | $19.3m | $0 | $0 | — | — | $15.0m | — | |
| Gain (Loss) on Disposition of Intangible Assets | — | — | — | — | — | — | $50.0m | $10.0m | $0 | $0 | — | |
| Gain (Loss) on Disposition of Business | — | — | — | — | — | $0 | $0 | — | — | $15.0m | — | |
| Goodwill | $36.9m | $98.7m | $303.3m | $309.5m | $309.5m | $309.5m | $309.5m | $309.5m | $309.5m | $297.9m | $325k | |
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | $38.8m | $55.1m | $57.4m | $97.9m | — | — | — | — | — | — | — | |
| Income Tax Expense (Benefit) | $5.6m | $10.2m | $5.1m | ($3.4m) | $5.7m | $10.7m | $28.0m | $16.3m | $34.1m | $36.3m | — | |
| Proceeds from (Payments to) Noncontrolling Interests | — | — | — | — | — | — | — | — | ($565k) | ($1.2m) | — | |
| Financing Receivable, Credit Loss, Expense (Reversal) | — | — | — | — | — | $49.9m | — | $57.4m | $58.1m | $56.8m | — | |
| Sales-type Lease, Selling Profit (Loss) | — | — | — | — | $2.2m | $337k | $0 | — | — | — | — |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.