Pathward Financial Results Presentation Deck
Record of Strong Earnings Growth and Profitability¹
Return on Average Assets²
Return on Average Tangible Equity²
CO
1.12%
2018
3.14%
2018
ROAA inclusive of one-time items
1.55%
2019
4.91%
1.45%
2019
2020
4.09%
1.74%
2020
2021
Net Interest Margin
3.83%
2.20%
2021
1.88%
2022
4.84%
2022
1.71%
1.42%
YTD23
5.62%
YTD23
6 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation
16.78%
2018
$1.67
$0.16
2018
ROATE inclusive of one-time items
22.34%
2019
$2.49
21.87%
$0.39
2020
EPS inclusive of one-time items
1st Quarter Earnings
2019
$2.94
Earnings Per Common Share
$0.56
28.66%
2020
1FY18-FY21 display GAAP earnings; FY22 and YTD23 reflect GAAP and
Adjusted earnings. See appendix for non-GAAP reconciliations
2021
$4.38
$0.84
35.42% 35.51%
2021
30.25%
2022
$5.26
$4.49
$0.78
29.55%
2022
YTD23
2YTD23 is annualized.
$0.98
$0.81
YTD23
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