Pathward Financial Past Earnings Performance
Past criteria checks 6/6
Pathward Financial has been growing earnings at an average annual rate of 14.1%, while the Banks industry saw earnings growing at 12% annually. Revenues have been growing at an average rate of 11.7% per year. Pathward Financial's return on equity is 22.7%, and it has net margins of 24.5%.
Key information
14.1%
Earnings growth rate
21.0%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 11.7% |
| Return on equity | 22.7% |
| Net Margin | 24.5% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Pathward Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 657 | 161 | 292 | 0 |
| 30 Sep 23 | 644 | 161 | 292 | 0 |
| 30 Jun 23 | 621 | 149 | 292 | 0 |
| 31 Mar 23 | 585 | 126 | 296 | 0 |
| 31 Dec 22 | 555 | 121 | 291 | 0 |
| 30 Sep 22 | 573 | 154 | 282 | 0 |
| 30 Jun 22 | 556 | 146 | 275 | 0 |
| 31 Mar 22 | 554 | 162 | 259 | 0 |
| 31 Dec 21 | 550 | 172 | 252 | 0 |
| 30 Sep 21 | 498 | 139 | 243 | 0 |
| 30 Jun 21 | 484 | 136 | 232 | 0 |
| 31 Mar 21 | 445 | 116 | 224 | 0 |
| 31 Dec 20 | 439 | 109 | 215 | 0 |
| 30 Sep 20 | 434 | 102 | 217 | 0 |
| 30 Jun 20 | 435 | 110 | 220 | 0 |
| 31 Mar 20 | 449 | 121 | 220 | 0 |
| 31 Dec 19 | 441 | 102 | 230 | 0 |
| 30 Sep 19 | 431 | 95 | 227 | 0 |
| 30 Jun 19 | 402 | 86 | 218 | 0 |
| 31 Mar 19 | 357 | 63 | 198 | 0 |
| 31 Dec 18 | 320 | 62 | 174 | 0 |
| 30 Sep 18 | 286 | 52 | 149 | 0 |
| 30 Jun 18 | 272 | 45 | 134 | 0 |
| 31 Mar 18 | 270 | 48 | 130 | 0 |
| 31 Dec 17 | 271 | 48 | 122 | 0 |
| 30 Sep 17 | 255 | 45 | 117 | 0 |
| 30 Jun 17 | 239 | 49 | 108 | 0 |
| 31 Mar 17 | 226 | 48 | 100 | 0 |
| 31 Dec 16 | 178 | 30 | 89 | 0 |
| 30 Sep 16 | 173 | 33 | 84 | 0 |
| 30 Jun 16 | 166 | 32 | 81 | 0 |
| 31 Mar 16 | 153 | 28 | 77 | 0 |
| 31 Dec 15 | 123 | 19 | 71 | 0 |
| 30 Sep 15 | 116 | 18 | 66 | 0 |
| 30 Jun 15 | 110 | 17 | 62 | 0 |
| 31 Mar 15 | 104 | 16 | 58 | 0 |
| 31 Dec 14 | 99 | 15 | 56 | 0 |
| 30 Sep 14 | 97 | 16 | 54 | 0 |
| 30 Jun 14 | 95 | 16 | 52 | 0 |
| 31 Mar 14 | 93 | 15 | 51 | 0 |
| 31 Dec 13 | 93 | 14 | 50 | 0 |
| 30 Sep 13 | 92 | 13 | 49 | 0 |
| 30 Jun 13 | 90 | 12 | 48 | 0 |
| 31 Mar 13 | 89 | 10 | 48 | 0 |
Quality Earnings: FM7 has high quality earnings.
Growing Profit Margin: FM7's current net profit margins (24.5%) are higher than last year (21.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FM7's earnings have grown by 14.1% per year over the past 5 years.
Accelerating Growth: FM7's earnings growth over the past year (33.3%) exceeds its 5-year average (14.1% per year).
Earnings vs Industry: FM7 earnings growth over the past year (33.3%) exceeded the Banks industry 29.5%.
Return on Equity
High ROE: FM7's Return on Equity (22.7%) is considered high.