C CASH

Pathward Financial Inc

$90.00

-0.02% ($0.02)

Volume 220,626

52W High $96.06

52W Low $64.45

Market Cap $2.01B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$3.37

Whisper EPS

$3.67

9.0% above consensus

Last Quarter

$1.57

Current Streak

5 Beats

Avg Surprise (4Q)

+17.04%

Next Earnings Report

Reports in 14 days

Report Date Apr 21, 2026

Time AMC

Whisper Spread +8.99%

Consensus Estimate

$3.37

Official analyst average

Whisper Number

$3.67

What traders expect

Bullish Sentiment: The whisper number is 9.0% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 22, 2026

1-Day: +7.28%

5-Day: +8.01%

Q3 2025 Oct 22, 2025

1-Day: -0.84%

5-Day: -2.19%

Q2 2025 Jul 28, 2025

1-Day: -3.18%

Q1 2025 Apr 22, 2025

1-Day: +6.02%

Revenue & Financial Performance

Revenue Whisper

$181.0M

TWN Proprietary Estimate

Last Quarter Revenue

$175.0M

+28.8% YoY

Gross Margin

97.1%

Net Margin: 20.1%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$175.0M	+28.8%	97.1%	24.4%	$35.1M
Q3'25	$155.4M	+12.8%	103.2%	31.1%	$38.8M
Q2'25	$158.1M	+1.9%	93.3%	29.8%	$42.1M
Q1'25	$233.0M	+5.1%	100.0%	39.4%	$74.0M
Q4'24	$135.9M	+1.5%	84.0%	26.6%	$30.0M
Q3'24	$137.7M	+1.2%	96.6%	27.0%	$33.6M
Q2'24	$155.2M	+11.8%	90.3%	33.0%	$44.9M
Q1'24	$221.7M	+13.5%	82.8%	39.3%	$69.9M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 22, 2026	$1.38	$1.48	$1.57	+13.77%	Beat
Q3 2025	Oct 22, 2025	$1.37	$1.45	$1.69	+23.36%	Beat
Q2 2025	Jul 28, 2025	$1.67	$1.74	$1.81	+8.38%	Beat
Q1 2025	Apr 22, 2025	$2.78	$2.88	$3.41	+22.66%	Beat
Q4 2024	Jan 21, 2025	$1.24	$1.26	$1.26	+1.61%	Met
Q3 2024	Oct 23, 2024	$1.41	$1.45	$1.35	-4.26%	Missed
Q2 2024	Jul 24, 2024	$1.55	$1.61	$1.66	+7.10%	Beat
Q1 2024	Apr 24, 2024	$2.35	$2.40	$2.56	+8.94%	Beat
Q4 2023	Jan 24, 2024	$1.24	$1.32	$1.06	-14.52%	Missed
Q3 2023	Oct 25, 2023	$1.25	$1.34	$1.36	+8.80%	Beat
Q2 2023	Jul 26, 2023	$1.47	$1.55	$1.68	+14.29%	Beat
Q1 2023	Apr 26, 2023	$2.07	$2.18	$1.99	-3.86%	Missed