Pathward Financial Results Presentation Deck
9
Fiscal Year 2023 Earnings Guidance
(Earnings per share amounts)
Diluted earnings per share - GAAP
Less: Net extraordinary items, net of tax¹
Diluted earnings per share - Adjusted
1 Includes gain on sale of trademarks and rebranding-related expenses.
2 The percentage change is calculated by using the midpoint of the respective ranges.
Maintain leadership in BaaS
producing fee income and low-
cost deposits³
3 See slide 13 (Low-cost Deposits) for additional detail on deposit costs.
Prior
KEY DRIVERS OF EARNINGS PER SHARE GROWTH
Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation
$5.25 - $5.75
$0.15
$5.10 - $5.60
Expansion of Net Interest
Margin
Updated
$5.55 - $5.95
$0.15
$5.40 - $5.85
Commercial Finance growth
while maintaining collateral-
based lending discipline
Continued share repurchases
%
Change²
5%
5%
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