Pathward Financial Results Presentation Deck
Overview of Loan Portfolio
15
($ in millions)
Commercial
Finance
¹Total renewable
energy debt financing
outstanding was
$361.9 million as of
1Q23.
Majority of balances
in term lending
balance sheet
category.
Consumer
Lending
Tax Services
Corporate
Business Line
Structured Finance
Guaranteed portion of US govt SBA/USDA loans
Unguaranteed portion of US govt SBA/USDA loans
Paycheck Protection Program (PPP) loans
Renewable energy debt financing¹ (term lending only)
Other
Equipment Finance
Large ticket
Small ticket
Other
Working Capital
Specialty Finance
Consumer credit programs
Private student loans
Other consumer lending
Tax preparer loans
Refund advance loans
Total Lending Portfolio (HFI)
Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation
Balance Sheet Category
SBA/USDA
SBA/USDA
SBA/USDA
Term lending
Term lending
TOTAL
Lease financing
Term lending
Lease financing
Term lending
Lease financing
TOTAL
Asset-based lending
Factoring
TOTAL
Insurance premium finance
Other commercial finance
TOTAL
Consumer credit programs
Other consumer finance
Other consumer finance
TOTAL
Tax services
Tax services
TOTAL
Warehouse finance
TOTAL
1Q22
44.6
101.1
63.8
273.4
291.7
774.6
213.7
203.7
21.6
269.6
10.0
718.6
337.2
403.0
740.2
385.5
178.9
564.3
173.3
92.0
52.4
317.8
73.6
26.7
100.3
466.8
466.8
3,682.6
4Q22
194.9
150.8
13.5
153.9
353.5
866.6
187.6
340.0
14.2
242.9
8.9
793.6
351.7
372.6
724.3
479.8
159.4
639.2
144.4
25.3
169.7
0.2
8.9
9.1
1Q23
196.0
152.3
8.8
114.7
365.5
837.3
170.1
444.4
12.0
235.5
7.7
869.7
359.5
338.6
698.1
437.0
164.7
601.7
130.8
56.2
187.0
30.4
30.4
MRQ
Yield
5.55%
6.69%
12.53%
5.99%
8.63%
< 1%
326.9 279.9
326.9
279.9
3,529.3 3,504.1 7.70%
8.09%
% of Total
24%
25%
20%
17%
5%
1%
8%
100%
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