NASDAQ$CASH

Meta Financial Group Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Meta Financial Group reported net income for the fiscal second quarter of 2022 and announced a name change to Pathward Financial.

Meta Financial Group reported a net income of $49.3 million, or $1.66 per share, for the three months ended March 31, 2022. Total revenue for the quarter was $193.6 million, a 3% increase compared to the same quarter in fiscal 2021.

  • Net income was $49.3 million, or $1.66 per share, compared to $59.1 million, or $1.84 per share, for the three months ended March 31, 2021.
  • Total revenue increased by 3% to $193.6 million compared to the same quarter in fiscal 2021.
  • Net interest income increased by $10.0 million to $83.8 million compared to the second quarter last year.
  • The company announced it is changing its name to Pathward Financial, Inc.

Headline financials

Total Revenue

$194M

Previous: $187M+3.3%
EPS (adj)

$1.73

Previous: $1.84-6.0%
Net Interest Margin

4.8%

Previous: 3.1%+56.4%
Capital Expenditures

-$3.72M

Previous: -$4.25M+12.6%
Free Cash Flow

$45.5M

Previous: $54.8M-16.9%
Net Income

$49.3M

Previous: $59.1M-16.6%
Operating Income

$115M

Previous: $150M-22.9%
Gross Profit

$161M

Previous: $157M+2.6%
Cash & Equivalents

$238M

Previous: $3.72B-93.6%
Total Assets

$6.89B

Previous: $9.79B-29.7%
Stock-Based Comp

$2.09M

Previous: $2.55M-17.8%

Revenue & EPS history

Meta · Revenue · Quarterly

$194M

Q2 2022+3.3%vs Q2 2021
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

Meta · $55.2M total across 5 segments · Q1 2023

  • Card and deposit fees
    $37.7M
  • Rental income
    $12.7M
  • Other income
    $3.56M
  • Refund transfer product fees
    $677K
  • Gain on sale of other
    $502K

Forward guidance

The Company expects taxpayer advance volumes to return to more normalized levels in the 2023 tax season, absent further stimulus or additional changes to tax credit payments.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2022

Historical avgQ2 2022

+1.2%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+3.4%

Avg return

30 days after

55%

36 / 65 earnings

Positive

+20.5%

Q4 2020

Best reaction

-18.5%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2026+0.7%-9.6%-16.0%
Q1 2026+7.1%-3.0%-2.7%
Q4 2025-0.0%-2.2%-2.2%
Q2 2025+6.0%+6.9%+3.8%
Q1 2025-0.6%+2.6%+2.7%
Q4 2024-4.0%-3.7%+13.4%
Q3 2024+4.9%+4.1%+3.1%
Q2 2024+4.3%+1.5%+8.9%
Q1 2024+1.1%+3.0%-2.5%
Q4 2023+7.5%+6.7%+16.1%
Q3 2023-5.8%-7.7%-13.8%
Q2 2023+7.9%+10.1%+15.2%
Q1 2023+7.8%+7.3%+12.2%
Q4 2022+6.6%+5.9%+13.2%
Q3 2022-18.5%-20.2%-18.5%
Q2 2022-2.9%-4.4%-7.5%
Q1 2022-1.5%+3.4%-3.9%
Q4 2021-10.7%-6.5%+0.1%
Q3 2021+3.5%+0.3%+2.7%
Q2 2021+10.3%+8.3%+15.7%
Q1 2021+3.5%+3.7%+16.1%
Q4 2020+20.5%+23.2%+45.7%
Q3 2020+5.5%+0.8%+0.9%
Q2 2020-7.7%+1.9%-1.7%
Q1 2020+1.5%+1.5%-11.3%
Q4 2019-9.6%-9.3%-2.0%
Q3 2019+10.9%+8.8%+12.4%
Q2 2019+14.3%+13.1%+20.7%
Q1 2019+9.0%+6.0%+7.0%
Q4 2018+6.5%+5.6%-4.6%
Q3 2018-5.3%-6.7%-11.0%
Q2 2018-8.2%-9.5%+0.8%
Q1 2018+12.7%+5.5%+4.5%
Q4 2017+4.0%+3.5%+10.7%
Q3 2017-0.9%-23.4%-25.4%
Q2 2017-4.4%-6.0%-2.9%
Q1 2017-15.3%-6.3%-14.0%
Q4 2016+5.9%+5.2%+35.8%
Q3 2016+4.0%+3.6%+11.5%
Q2 2016+7.2%
Q1 2016+15.7%
Q4 2015+3.7%
Q3 2015-0.8%
Q2 2015-4.1%
Q1 2015+3.3%
Q4 2014+0.1%
Q3 2014-3.3%
Q2 2014-4.2%
Q1 2014-3.1%
Q4 2013-5.8%
Q3 2013+7.1%
Q2 2013-1.7%
Q1 2013+1.6%
Q4 2012-2.1%
Q3 2012-3.2%
Q2 2012-0.8%
Q1 2011+12.9%
Q1 2012-5.0%
Q2 2011+6.8%
Q4 2009+6.8%
Q4 2011+6.8%
Q3 2010-13.8%
Q4 2010-13.8%
Q3 2011-13.8%
Q2 2010+12.5%

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