Pathward Financial, Inc.

CASHNASDAQFinancial Services● Active

$80.39

+$0.50(+0.63%)

Market Cap$1.7B

P/E Ratio—

52W High$101.26

52W Low$65.87

Avg Volume217K

Open$80.28

Beta0.62

Free Cash Flow Financials Revenue

Pathward Financial, Inc. (CASH) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CASH · free cash flow · updated Jun 8, 2026

Core FCF metrics

CASH · FCF · TTM · margin & CAGR

Free cash flow was $236.6M for FY2025 (fiscal year ending 2025-09-30), up 33.8% year-over-year The FCF margin was 34.5%. Five-year CAGR stands at -10.0%.

FY2025 Free Cash Flow$236.6M▲ +33.8% YoY

Trailing 12M (TTM)$502.1Mtrailing 4 quarters sum

FCF Margin34.5%$236.6M ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGR-10.0%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CASH · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$450.6M(214M)$236.6M▲ +33.8%34.5%

FY2024$453.5M(277M)$176.8M▲ +220.4%26.4%

FY2023$303.1M(450M)−$146.8M▲ +13.7%-24.0%

FY2022$268.8M(439M)−$170.1M▼ 132.9%-32.5%

FY2021$581.6M(64M)$517.6M▲ +29.0%100.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CASH · P/FCF · FCF yield · FCF per share

Pathward Financial, Inc. (CASH) trades at a FCF yield of 29.59% and a price-to-free-cash-flow ratio of 3.7x. FCF per share stands at $21.46, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

29.59%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$21.46

TTM FCF ÷ Shares Outstanding

Price / FCF

x3.7

Share Price ÷ FCF per Share

EV / FCF (TTM)

x3.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-09-30

Cash flow statement summary

CASH · cash flow statement · operating / investing / financing

For FY2025, Pathward Financial, Inc. generated $450.6M in operating cash flow and spent 214M in capital expenditures, yielding $236.6M in free cash flow.

Operating Activities

+$450.6M

Cash from core business operations

2025-09-30

Investing Activities

+$25.8M

CapEx, acquisitions & investments

2025-09-30

Financing Activities

−$513.0M

Buybacks, dividends & debt

2025-09-30

FCF FormulaOperating CF ($450.6M) − |CapEx| (214M) = FCF ($236.6M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CASH vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Pathward Financial, Inc.YOU

CASH

$236.6M+33.8%34.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Pathward Financial, Inc. (CASH) reported free cash flow of $236.6M for FY2025 (fiscal year ending 2025-09-30), up 33.8% year-over-year. The FCF margin was 34.5%.

Based on available data, Pathward Financial, Inc. has maintained positive free cash flow for at least 11 fiscal year(s). FCF peaked at $517.6M in FY2021. The 5-year CAGR stands at -10.0%.

Pathward Financial, Inc.'s FCF yield is 29.59% and price-to-FCF ratio is 3.7x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CASH free cash flow · 8 questions

Pathward Financial, Inc. free cash flow was $236.6M for FY2025, up 33.8% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $502.1M.

CASH free cash flowCASH FCFCASH FCF 2025CASH free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Pathward Financial, Inc. · Pathward Financial, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026