Sep 2026 (Q4 FY26) — Oct 21, 2026
Pathward Financial Q4 FY26 — Strong Financials Despite Credit Headwinds
Read the full callPathward Financial earnings: last reported Wed, 21 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 190 | −3.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 29.0 | −31.3% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
1 of 1 judged target kept · 6 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| EPS | $7.80 to $8.20 | Jun 2026 | Solid partner growth combined with disciplined expense management led to full year net income of $175.7 million or $8.14 of diluted earnings per share. | Achieved |
| ACL ratio (Commercial finance portfolio) | roughly 120 to 130 basis points | Sep 2026 | if you focus solely on the commercial finance portfolio, the historic ACL ratio has been, you can see it in the deck, it's in there, but it could be down roughly 120 to 130 basis points is probably a normalized level. | New |
6 of PATHWARD FINANCIAL, INC.'s 7 targets are still open. See which are on track and which have gone quiet. The 2 above are the free sample; 5 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $71.74 on 22 Oct 2025 → $77.5. High $99.93 (20 Apr 2026), low $66.47 (17 Nov 2025).
Overview
Guidance
1 of 1 judged target kept · 6 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| EPS | $7.80 to $8.20 | Jun 2026 | Solid partner growth combined with disciplined expense management led to full year net income of $175.7 million or $8.14 of diluted earnings per share. | Achieved |
| ACL ratio (Commercial finance portfolio) | roughly 120 to 130 basis points | Sep 2026 | if you focus solely on the commercial finance portfolio, the historic ACL ratio has been, you can see it in the deck, it's in there, but it could be down roughly 120 to 130 basis points is probably a normalized level. | New |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 7 tracked commitments, with each call’s wording and source.
Call summaries
Pathward Financial Q4 FY26 — Strong Financials Despite Credit Headwinds
Read the full callPathward Financial Q3 FY26 — Credit Headwinds Offset by Strong Core Performance and Strategic Growth
Read the full callEvery analysed call
Financials
Net profit, year on year: −31% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 168 | 183 | 275 | 196 | 187 | 173 | 276 | 190 |
| Profit before tax | 37 | 36 | 91 | 47 | 48 | 43 | 87 | 32 |
| Tax rate | 9.0% | 16.6% | 17.7% | 10.2% | 19.2% | 16.9% | 16.3% | 9.5% |
| Net profit | 34 | 30 | 75 | 42 | 39 | 35 | 73 | 29 |
| EPS ($ per share) | 1.34 | 1.23 | 3.16 | 1.83 | 1.69 | 1.57 | 3.37 | 1.37 |
| Line item | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | — | — | — | — | — |
| Reserves | 213 | 253 | 235 | 259 | 233 | 246 | 337 | 360 |
| Total liabilities | 5,087 | 5,339 | 5,245 | 5,819 | 6,102 | 6,885 | 6,710 | 6,315 |
| Fixed assets | 40 | 46 | 42 | 45 | 42 | 39 | 39 | 41 |
| Total assets | 5,835 | 6,183 | 6,092 | 6,691 | 6,736 | 7,503 | 7,532 | 7,172 |
| Line item | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 138 | 191 | 467 | 582 | 290 | 328 | 489 | 451 |
| Cash from investing | -390 | -339 | -206 | -1,118 | -332 | -946 | -263 | 26 |
| Cash from financing | -916 | 175 | 40 | 423 | 118 | 605 | -443 | -513 |
| Net cash flow | -1,168 | 27 | 301 | -113 | 74 | -12 | -217 | -38 |
| Capital expenditure | -9 | -14 | -12 | -13 | -8 | -9 | -10 | -12 |
| Free cash flow | 129 | 177 | 455 | 569 | 282 | 319 | 479 | 439 |
59 filings between Oct 27, 2025 and Oct 16, 2026.
Purchases
None
No insider bought shares.
Sales
$3.06M
7 sales by 6 insiders
Also filed: 7 gifts.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Pharr Brett L. | — | $1.47M | Feb 23, 2026 |
| Hajek Douglas J. | — | $636.2K | Apr 29, 2026 |
| Hoople Elizabeth G. | — | $370.3K | May 29, 2026 |
| Stork Kendall E | — | $282.4K | Feb 9, 2026 |
| Mehta Neeraj | — | $173.3K | Oct 28, 2025 |
| Perretta Christopher | — | $130.4K | Jan 30, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 16, 2026 | Dombrowski Nadia Chief Legal and Admin Officer | Tax withheld | 380 | $27.7K |
| Oct 16, 2026 | Sharett Anthony M. President | Tax withheld | 758 | $55.3K |
| Oct 16, 2026 | Pharr Brett L. Chief Executive Officer | Tax withheld | 2,063 | $150.5K |
| Oct 16, 2026 | Sigrist Greg Chief Financial Officer | Tax withheld | 2,447 | $178.5K |
| Oct 16, 2026 | Ingram Charles C. EVP, Chief Info & Ops Officer | Tax withheld | 463 | $33.8K |
| Sep 4, 2026 | Stork Kendall E Director | Award | 400 | $0 |
| Sep 4, 2026 | Perretta Christopher Director | Award | 400 | $0 |
| Sep 4, 2026 | MCCRAY RONALD D Director | Award | 400 | $0 |
| Sep 4, 2026 | Zlatkus Lizabeth H Director | Award | 400 | $0 |
| Sep 4, 2026 | SHULMAN BECKY S Director | Award | 400 | $0 |
| Sep 4, 2026 | Mehta Neeraj Director | Award | 400 | $0 |
| Sep 4, 2026 | Hajek Douglas J. Director | Award | 400 | $0 |
| Sep 4, 2026 | Hoople Elizabeth G. Director | Award | 400 | $0 |
| Jun 7, 2026 | Ferri Eric Anthony EVP, Chief Risk Officer | Award | 8,638 | $0 |
| May 29, 2026 | Hoople Elizabeth G. Director | Sale | 4,500 | $370.3K |
| Apr 29, 2026 | Hajek Douglas J. Director | Sale | 5,000 | $431.8K |
| Feb 24, 2026 | Perretta Christopher Director | Award | 1,650 | $0 |
| Feb 24, 2026 | Zlatkus Lizabeth H Director | Award | 1,650 | $0 |
| Feb 24, 2026 | SHULMAN BECKY S Director | Award | 1,650 | $0 |
| Feb 24, 2026 | Mehta Neeraj Director | Award | 1,650 | $0 |
| Feb 24, 2026 | Stork Kendall E Director | Award | 1,650 | $0 |
| Feb 24, 2026 | Hoople Elizabeth G. Director | Award | 1,650 | $0 |
| Feb 24, 2026 | Hajek Douglas J. Director | Award | 1,650 | $0 |
| Feb 24, 2026 | MCCRAY RONALD D Director | Award | 1,650 | $0 |
| Feb 23, 2026 | Pharr Brett L. Chief Executive Officer | Sale | 15,641 | $1.47M |
| Feb 9, 2026 | Stork Kendall E Director | Sale | 3,000 | $282.4K |
| Jan 30, 2026 | Perretta Christopher Director | Sale | 1,450 | $130.4K |
| Dec 16, 2025 | Sharett Anthony M. President | Gift | 650 | $0 |
| Dec 9, 2025 | Hajek Douglas J. Director | Gift | 1,000 | $0 |
| Dec 5, 2025 | Sigrist Greg Chief Financial Officer | Tax withheld | 737 | $54.8K |
| Dec 5, 2025 | Berde Anjana Thatte Chief People & Culture Officer | Tax withheld | 114 | $8.5K |
| Dec 5, 2025 | Dombrowski Nadia Chief Legal and Admin Officer | Tax withheld | 353 | $26.2K |
| Dec 5, 2025 | Warren Jennifer W. SVP, Chief Accounting Officer | Tax withheld | 221 | $16.4K |
| Dec 5, 2025 | Ingram Charles C. EVP, Chief Info & Ops Officer | Tax withheld | 235 | $17.5K |
| Dec 5, 2025 | Pharr Brett L. Chief Executive Officer | Tax withheld | 2,192 | $163.0K |
| Dec 5, 2025 | Sharett Anthony M. President | Tax withheld | 776 | $57.7K |
| Dec 4, 2025 | MCCRAY RONALD D Director | Gift | 1,363 | $0 |
| Dec 4, 2025 | MCCRAY RONALD D Director | Gift | 337 | $0 |
| Dec 4, 2025 | MCCRAY RONALD D Director | Gift | 337 | $0 |
| Nov 14, 2025 | Ingram Charles C. EVP, Chief Info & Ops Officer | Award | 2,992 | $0 |
| Nov 14, 2025 | Sharett Anthony M. President | Award | 5,363 | $0 |
| Nov 14, 2025 | Pharr Brett L. Chief Executive Officer | Award | 15,916 | $0 |
| Nov 14, 2025 | Sigrist Greg Chief Financial Officer | Award | 5,168 | $0 |
| Nov 14, 2025 | Warren Jennifer W. SVP, Chief Accounting Officer | Award | 1,934 | $0 |
| Nov 14, 2025 | Warren Jennifer W. SVP, Chief Accounting Officer | Award | 750 | $0 |
| Nov 14, 2025 | Berde Anjana Thatte Chief People & Culture Officer | Award | 1,510 | $0 |
| Nov 14, 2025 | Dombrowski Nadia Chief Legal and Admin Officer | Award | 2,261 | $0 |
| Nov 14, 2025 | Stork Kendall E Director | Gift | 1,000 | $0 |
| Nov 4, 2025 | Sharett Anthony M. President | Tax withheld | 4,388 | $0 |
| Nov 4, 2025 | Pharr Brett L. Chief Executive Officer | Award | 34,718 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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