Pathward Financial, Inc.
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $25.81M | $-367.80M | $331.75M | $2.33M |
| FY2015 | $49.21M | $-453.92M | $402.53M | $5.03M |
| FY2016 | $78.50M | $-738.48M | $1.41B | $6.98M |
| FY2017 | $119.99M | $-700.43M | $1.07B | $6.80M |
| FY2018 | $137.76M | $-389.79M | $-915.58M | $8.54M |
| FY2019 | $191.01M | $-339.20M | $174.88M | $13.97M |
| FY2020 | $467.22M | $-206.32M | $40.02M | $12.27M |
| FY2021 | $581.65M | $-1.12B | $422.93M | $12.96M |
| FY2022 | $290.05M | $-332.11M | $117.82M | $8.18M |
| FY2023 | $327.91M | $-945.56M | $604.86M | $8.62M |
| FY2024 | $488.81M | $-262.93M | $-443.20M | $10.14M |
| FY2025 | $450.62M | $25.84M | $-513.03M | $11.68M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.