reportingrisk.com← the monitorSEC reporting failures, scored and checked against what happened next

Or browse all companies A–Z.

Pathward Financial, Inc.

CASH · Nasdaq

1 reporting failure in the last 12 months

Companies at this level ended the following year delisted, bankrupt, restated or silent 9.2% of the time, against 4.0% for companies with a clean record.

$1.7Bstalepublic float
2025-12-30most recent failure
2025-07-02declared past accounts unreliable

Score over time

01234202220232024202520262025-07-01 · score 12025-05-12 filed late (10-Q) · complex accounting2025-10-01 · score 32025-08-11 filed late (10-Q) · restatement2025-07-02 accounts unreliable2025-05-12 filed late (10-Q) · complex accounting2026-01-01 · score 42025-12-30 auditor change2025-08-11 filed late (10-Q) · restatement2025-07-02 accounts unreliable2025-05-12 filed late (10-Q) · complex accounting2026-04-01 · score 42025-12-30 auditor change2025-08-11 filed late (10-Q) · restatement2025-07-02 accounts unreliable2025-05-12 filed late (10-Q) · complex accounting2026-07-01 · score 32025-12-30 auditor change2025-08-11 filed late (10-Q) · restatement2025-07-02 accounts unreliable2026-10-01 · score 12025-12-30 auditor change

Hover or tap a dot to see the filings behind that score.

Why they said they were late

Pathward Financial, Inc. (the “ Company ”) has determined that it is unable, without unreasonable effort or expense, to file its Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2025 (the “ Form 10-Q ”) on or before the prescribed filing date due. The Company has previously announced that it will amend its Annual Report on Form 10-K for the year ended September 30, 2024 to restate certain financial statements included therein and its Quarterly Report on Form 10-Q for the quarter ended December 31, 2024 to reflect restatement adjustments (the “ Amendments ”), after which the Company expects to file its Quarterly Report on Form 10-Q for the quarter ended March 31, 2025 (the “ Fiscal Q2 Form 10-Q ”). The restatements are due to errors related to the Company’s gross vs. net basis presentation and derivative accounting, and financial reporting, of certain third-party lending and servicing relationships within the Credit Solutions business, within held-for-investment loan balances. As a result of such facts and circumstances, the Company requires additional time to complete its financial statements with respect to the Form 10-Q. The Company is working diligently to complete the restatement process and expects to file the Form 10-Q promptly after the filing of the Amendments and the Fiscal Q2 Form 10-Q

NT 10-Q, filed 2025-08-11 · restatement

What it filed

2025-12-30auditor changed or resigned SEC →

2025-08-11filed late (10-Q)restatement SEC →

Pathward Financial, Inc. (the “ Company ”) has determined that it is unable, without unreasonable effort or expense, to file its Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2025 (the “ Form 10-Q ”) on or before the prescribed filing date due. The Company has previously announced that it will amend its Annual Report on Form 10-K for the year ended September 30, 2024 to restate certain financial statements included therein and its Quarterly Report on Form 10-Q for the quarter ended December 31, 2024 to reflect restatement adjustments (the “ Amendments ”), after which the Company expects to file its Quarterly Report on Form 10-Q for the quarter ended March 31, 2025 (the “ Fiscal Q2 Form 10-Q ”). The restatements are due to errors related to the Company’s gross vs. net basis presentation and derivative accounting, and financial reporting, of certain third-party lending and servicing relationships within the Credit Solutions business, within held-for-investment loan balances. As a result of such facts and circumstances, the Company requires additional time to complete its financial statements with respect to the Form 10-Q. The Company is working diligently to complete the restatement process and expects to file the Form 10-Q promptly after the filing of the Amendments and the Fiscal Q2 Form 10-Q

2025-07-02accounts declared unreliable SEC →

2025-05-12filed late (10-Q)complex accounting SEC →

Pathward Financial, Inc. (the “Company”) has determined that it is unable, without unreasonable effort or expense, to file its Quarterly Report on Form 10-Q for the fiscal quarter ended March 31, 2025 (the “Form 10-Q”) on or before the prescribed filing date due as the Company is completing its evaluation of the gross vs. net presentation and derivative accounting, and financial reporting, of certain third-party lending and servicing relationships within the Consumer Solutions business, within held-for-investment loan balances of approximately $280 million as of December 31, 2024. The Company is still in the process of completing the evaluation of current and historical period accounting and requires additional time to complete the financial statements for the period ended March 31, 2025, to be included in the Form 10-Q

About this score

reportingrisk.com scores every active US filer on three things a company tells the SEC about itself: late-filing notices on Form NT, 8-K item 4.02 (past accounts declared unreliable) and 4.01 (auditor changes). 1,012 are flagged today.

Every score is frozen and checked twelve months later. Across 91,452 of them, a company scoring 4 or more ended that year delisted, bankrupt, restated or silent 17.2% of the time, against 4.0% for a clean record. Scores before 2026-09-27 were reconstructed from the filing history as it stood at each date, so the record is a backtest rather than years of live calls.

See the ledger → Every company the score flagged that later failed, what it told the SEC on the way down, and the ones it missed.

Every item above is a filing this company made with the SEC.
Snapshot 2026-11-04 · data from SEC EDGAR (public domain) · not investment advice

reportingrisk.com← back to the monitorAll companies A-Z · RSS · found an error? hello@reportingrisk.com