Pathward Financial, Inc. (CASH) Q4 2024 Earnings Call Transcript

Pathward Financial, Inc. (NASDAQ:CASH) Q4 2024 Earnings Call October 23, 2024 5:00 PM ET

Company Participants

Darby Schoenfeld – Investor Relations
Brett Pharr – Chief Executive Officer
Greg Sigrist – Chief Financial Officer

Conference Call Participants

David Feaster – Raymond James
Frank Schiraldi – Piper Sandler

Operator

Ladies and gentlemen thank you for standing by and welcome to Pathward Financial’s Fourth Quarter and Fiscal Year 2024 Investor Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to turn the conference call over to Darby Schoenfeld, Senior Vice President, Chief of Staff and Investor Relations. Please go ahead, Darby.

Darby Schoenfeld

Thank you, operator and welcome. With me today are Pathward Financial’s CEO, Brett Pharr; and CFO, Greg Sigrist, who will discuss our operating and financial results for the fourth quarter and full fiscal year of 2024, after which we will take your questions. Additional information, including the earnings release, the investor presentation that accompanies our prepared remarks and supplemental slides, maybe found on our website at pathwardfinancial.com.

As a reminder, our comments may include forward-looking statements, including with respect to anticipated results for future periods. Those statements are subject to risks and uncertainties that could cause actual and anticipated results to differ. The company undertakes no obligation to update any forward-looking statements. Please refer to the cautionary language in the earnings release, investor presentation and in the company’s filings with the Securities and Exchange Commission, including our most recent filings for additional information covering factors that could cause actual and anticipated results to differ materially from the forward-looking statements.

Additionally, today, we will be discussing certain non-GAAP financial measures on this conference call. References to non-GAAP measures are only provided to assist you in understanding the company’s results and performance trends, particularly in competitive analysis. Reconciliations for