Q3 FY2026 EarningsQ3 FY26 miss consensus across key metrics: revenue of $189.6M vs. $191.2M expected, and diluted EPS of $1.37 missed the $1.95 consensus by 29.74%. The earnings miss was primarily driven by a surge in provision for credit losses to $28.3M, reflecting specific reserves on renewable energy projects and a higher CECL reserve. Net interest margin compressed to 6.59% (vs. 7.43% YoY), significantly impacted by the sale of a high-yield consumer finance portfolio in October 2025.
Financial report interval: 2026.03.30 - 2026.06.30
Overview: Pathward Fin(CASH) the Revenue is 189.64 M (-3.12%), Miss estimate;the EBIT is 60.52 M (+7.25%), Beat estimate;the EPS is 1.37 (-24.31%), Miss estimate.
Actual
YoY
Estimate
YoY
Vs estimate
YoY
RevenueMiss expectations
0.19B3.12%
0.19B2.34%
-0.00B0.78%
EBITExceed expectations
0.06B7.25%
0.06B5.35%
+0.00B1.90%
EPSMiss expectations
1.3724.31%
1.94677.55%
-0.576731.86%
Revenue
ActualEstimateUnit: USD
qf
EBIT
ActualEstimateUnit: USD
qf
Net income
ActualEstimateUnit: USD
qf
EPS
ActualEstimateUnit: USD
qf