CASH Fundamental Analysis - PATHWARD FINANCIAL INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CASH. CASH was compared to 395 industry peers in the Banks industry. While CASH is still in line with the averages on profitability rating, there are concerns on its financial health. CASH is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

CASH had positive earnings in the past year.

Each year in the past 5 years CASH has been profitable.

In the past 5 years CASH always reported a positive cash flow from operatings.

1.2 Ratios

CASH has a Return On Assets of 2.50%. This is amongst the best in the industry. CASH outperforms 98.23% of its industry peers.

CASH's Return On Equity of 22.05% is amongst the best of the industry. CASH outperforms 98.73% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.5%
ROE	22.05%
ROIC	N/A

ROA(3y)2.21%

ROA(5y)2.08%

ROE(3y)22.95%

ROE(5y)19.39%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CASH has a Profit Margin (22.56%) which is in line with its industry peers.

In the last couple of years the Profit Margin of CASH has grown nicely.

The Operating Margin and Gross Margin are not available for CASH so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	22.56%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.37%

PM growth 5Y2.6%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CASH does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CASH has less shares outstanding

Compared to 5 years ago, CASH has less shares outstanding

Compared to 1 year ago, CASH has a worse debt to assets ratio.

2.2 Solvency

CASH has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

CASH's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. CASH outperforms 47.09% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.65%, which is quite impressive.

CASH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.24% yearly.

CASH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.13%.

Measured over the past years, CASH shows a quite strong growth in Revenue. The Revenue has been growing by 9.17% on average per year.

EPS 1Y (TTM)20.65%

EPS 3Y14.73%

EPS 5Y19.24%

EPS Q2Q%12.11%

Revenue 1Y (TTM)-12.13%

Revenue growth 3Y11.13%

Revenue growth 5Y9.17%

Sales Q2Q%10.77%

3.2 Future

Based on estimates for the next years, CASH will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.59% on average per year.

CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.63% yearly.

EPS Next Y21.54%

EPS Next 2Y14.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.21%

Revenue Next 2Y7.63%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.92, the valuation of CASH can be described as very reasonable.

CASH's Price/Earnings ratio is rather cheap when compared to the industry. CASH is cheaper than 83.54% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.13, CASH is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.13, the valuation of CASH can be described as very reasonable.

72.66% of the companies in the same industry are more expensive than CASH, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, CASH is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.92
Fwd PE	9.13

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

CASH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as CASH's earnings are expected to grow with 14.59% in the coming years.

PEG (NY)0.46

PEG (5Y)0.52

EPS Next 2Y14.59%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.25%, CASH is not a good candidate for dividend investing.

With a Dividend Yield of 0.25, CASH pays less dividend than the industry average, which is at 3.17. 86.84% of the companies listed in the same industry pay a better dividend than CASH!

With a Dividend Yield of 0.25, CASH pays less dividend than the S&P500 average, which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	0.25%

5.2 History

The dividend of CASH decreases each year by -0.40%.

CASH has paid a dividend for at least 10 years, which is a reliable track record.

The dividend of CASH decreased recently.

Dividend Growth(5Y)-0.4%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

0.69% of the earnings are spent on dividend by CASH. This is a low number and sustainable payout ratio.

DP0.69%

EPS Next 2Y14.59%

EPS Next 3YN/A

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PATHWARD FINANCIAL INC

NASDAQ:CASH (8/29/2025, 8:09:48 PM)

After market: 79.47 0 (0%)

79.47

-0.65 (-0.81%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners97.37%

Inst Owner Change-1.64%

Ins Owners1.34%

Ins Owner Change-2.07%

Market Cap1.82B

Analysts45.71

Price Target89.76 (12.95%)

Short Float %5.65%

Short Ratio6.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.25%

Yearly Dividend0.2

Dividend Growth(5Y)-0.4%

DP0.69%

Div Incr Years0

Div Non Decr Years1

Ex-Date09-10 2025-09-10 (0.05)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)18.07%

Min EPS beat(2)9.25%

Max EPS beat(2)26.88%

EPS beat(4)4

Avg EPS beat(4)10.07%

Min EPS beat(4)0.7%

Max EPS beat(4)26.88%

EPS beat(8)7

Avg EPS beat(8)5.35%

EPS beat(12)10

Avg EPS beat(12)6.6%

EPS beat(16)11

Avg EPS beat(16)1.61%

Revenue beat(2)1

Avg Revenue beat(2)1.59%

Min Revenue beat(2)-0.54%

Max Revenue beat(2)3.71%

Revenue beat(4)1

Avg Revenue beat(4)0.27%

Min Revenue beat(4)-1.37%

Max Revenue beat(4)3.71%

Revenue beat(8)3

Avg Revenue beat(8)-0.34%

Revenue beat(12)5

Avg Revenue beat(12)0.62%

Revenue beat(16)7

Avg Revenue beat(16)2.17%

PT rev (1m)0%

PT rev (3m)-2.22%

EPS NQ rev (1m)-3.25%

EPS NQ rev (3m)-12.47%

EPS NY rev (1m)6.9%

EPS NY rev (3m)4.43%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.38%

Revenue NY rev (1m)4.22%

Revenue NY rev (3m)4.4%

Valuation

		Industry Rank	Sector Rank
PE	9.92
Fwd PE	9.13
P/S	2.28
P/FCF	N/A
P/OCF	N/A
P/B	2.23
P/tB	3.59
EV/EBITDA	N/A

EPS(TTM)8.01

EY10.08%

EPS(NY)8.71

Fwd EY10.95%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS34.86

BVpS35.67

TBVpS22.11

PEG (NY)0.46

PEG (5Y)0.52

Profitability

		Industry Rank	Sector Rank
ROA	2.5%
ROE	22.05%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.56%
GM	N/A
FCFM	N/A

ROA(3y)2.21%

ROA(5y)2.08%

ROE(3y)22.95%

ROE(5y)19.39%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.37%

PM growth 5Y2.6%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-ScoreN/A

WACC8.78%

ROIC/WACCN/A

Cap/Depr(3y)628.08%

Cap/Depr(5y)420.26%

Cap/Sales(3y)57.85%

Cap/Sales(5y)39.68%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)20.65%

EPS 3Y14.73%

EPS 5Y19.24%

EPS Q2Q%12.11%

EPS Next Y21.54%

EPS Next 2Y14.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-12.13%

Revenue growth 3Y11.13%

Revenue growth 5Y9.17%

Sales Q2Q%10.77%

Revenue Next Year10.21%

Revenue Next 2Y7.63%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y220.43%

FCF growth 3Y-30.1%

FCF growth 5Y40.23%

OCF growth 1Y49.63%

OCF growth 3Y-7.96%

OCF growth 5Y18.88%

PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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