Filing Flows › Pathward Financial (CASH) › Q3 FY26
Pathward Financial (CASH) Q3 FY26 earnings results (third quarter fiscal 2026)
10-Q filed Aug 6, 2026
Pathward Financial (CASH) reported revenue of $190M for the third quarter fiscal 2026 (Q3 FY26), -3% from a year earlier and -31% from the quarter before. Operating margin was 17.0%, net earnings $29.0M (15.3% of revenue).
Pathward Financial, Q3 FY26: revenue $190M (-3% year over year), operating margin 17.0%, net earnings $29.0M, operating cash flow $52.0M. The chart follows the revenue to costs, profit and cash.
| Q3 FY26 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $190M | -31% | -3% |
| Operating profit | $32.2M | -63% | -32% |
| Net earnings | $29.0M | -60% | -31% |
| Operating cash flow | $52.0M | -78% | +71% |
| Free cash flow | $48.6M | -79% | +75% |
What changed
Revenue was $189.6M in Q3 FY26, down 3% year over year and down 31% from the previous quarter. Consumer was the largest line at 58% of revenue. Consumer lost $7.0M year over year (down 6%), 114% of the total change.
Operating profit was $32.2M, a 17.0% margin (down 7.1 points year over year). Total costs grew 6% against a revenue fall of 3%. Net earnings were $29.0M, down 31% year over year. The effective tax rate was 9.5%.
Operating cash flow was $52.0M (up 71% year over year), 178% of net earnings. Non-cash charges added back $10.8M of depreciation and amortization and $2.6M of share-based compensation. Working capital and other items added $9.4M. Capital expenditures of $3.4M left free cash flow of $48.6M.
Questions
What was Pathward Financial's revenue in the third quarter fiscal 2026?
Pathward Financial (CASH) reported revenue of $190M for the third quarter fiscal 2026 (Q3 FY26), -3% from a year earlier and -31% from the quarter before.
Was Pathward Financial profitable in the third quarter fiscal 2026?
Operating profit was $32.2M (17.0% of revenue) and net earnings $29.0M.
Source: Pathward Financial 10-Q on SEC EDGAR.