PATHWARD FINANCIAL INC (CASH) Fundamental Analysis & Valuation

NASDAQ:CASH • US59100U1088

89.91 USD
-1.12 (-1.23%)
At close: Mar 6, 2026
89.91 USD
0 (0%)
After Hours: 3/6/2026, 8:04:20 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CASH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, CASH scores 5 out of 10 in our fundamental rating. CASH was compared to 381 industry peers in the Banks industry. CASH has only an average score on both its financial health and profitability. CASH has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. CASH Profitability Analysis

1.1 Basic Checks

  • In the past year CASH was profitable.
  • CASH had a positive operating cash flow in the past year.
  • CASH had positive earnings in each of the past 5 years.
  • In the past 5 years CASH always reported a positive cash flow from operatings.
CASH Yearly Net Income VS EBIT VS OCF VS FCFCASH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

1.2 Ratios

  • With an excellent Return On Assets value of 2.52%, CASH belongs to the best of the industry, outperforming 98.68% of the companies in the same industry.
  • CASH has a Return On Equity of 22.29%. This is amongst the best in the industry. CASH outperforms 98.15% of its industry peers.
Industry RankSector Rank
ROA 2.52%
ROE 22.29%
ROIC N/A
ROA(3y)2.29%
ROA(5y)2.24%
ROE(3y)21.77%
ROE(5y)21.02%
ROIC(3y)N/A
ROIC(5y)N/A
CASH Yearly ROA, ROE, ROICCASH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • CASH has a Profit Margin (22.94%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of CASH has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for CASH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.84%
PM growth 5Y1.46%
GM growth 3YN/A
GM growth 5YN/A
CASH Yearly Profit, Operating, Gross MarginsCASH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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5

2. CASH Health Analysis

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
  • CASH has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CASH has an improved debt to assets ratio.
CASH Yearly Shares OutstandingCASH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
CASH Yearly Total Debt VS Total AssetsCASH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of CASH is 0.08, which is an excellent value as it means it would take CASH, only 0.08 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.08, CASH belongs to the top of the industry, outperforming 87.86% of the companies in the same industry.
  • A Debt/Equity ratio of 0.04 indicates that CASH is not too dependend on debt financing.
  • CASH has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. CASH outperforms 83.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.08
Altman-Z N/A
ROIC/WACCN/A
WACC8.34%
CASH Yearly LT Debt VS Equity VS FCFCASH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CASH Yearly Current Assets VS Current LiabilitesCASH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CASH Growth Analysis

3.1 Past

  • CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.27%, which is quite impressive.
  • CASH shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.68% yearly.
  • Looking at the last year, CASH shows a very negative growth in Revenue. The Revenue has decreased by -10.54% in the last year.
  • The Revenue has been growing by 10.98% on average over the past years. This is quite good.
EPS 1Y (TTM)28.27%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%24.6%
Revenue 1Y (TTM)-10.54%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%-0.24%

3.2 Future

  • CASH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.70% yearly.
  • CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.55% yearly.
EPS Next Y4.28%
EPS Next 2Y7.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.8%
Revenue Next 2Y2.55%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CASH Yearly Revenue VS EstimatesCASH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
CASH Yearly EPS VS EstimatesCASH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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5

4. CASH Valuation Analysis

4.1 Price/Earnings Ratio

  • CASH is valuated reasonably with a Price/Earnings ratio of 10.26.
  • Based on the Price/Earnings ratio, CASH is valued a bit cheaper than 72.56% of the companies in the same industry.
  • CASH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • With a Price/Forward Earnings ratio of 9.17, the valuation of CASH can be described as very reasonable.
  • 70.45% of the companies in the same industry are more expensive than CASH, based on the Price/Forward Earnings ratio.
  • CASH is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.26
Fwd PE 9.17
CASH Price Earnings VS Forward Price EarningsCASH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CASH is valued cheaply inside the industry as 93.14% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.58
EV/EBITDA N/A
CASH Per share dataCASH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.4
PEG (5Y)0.43
EPS Next 2Y7.7%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. CASH Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.22%, CASH is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.22, CASH pays less dividend than the industry average, which is at 2.83. 87.86% of the companies listed in the same industry pay a better dividend than CASH!
  • Compared to an average S&P500 Dividend Yield of 1.82, CASH's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.22%

5.2 History

  • The dividend of CASH has a limited annual growth rate of 0.01%.
  • CASH has paid a dividend for at least 10 years, which is a reliable track record.
  • CASH has decreased its dividend recently.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years1
CASH Yearly Dividends per shareCASH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 2.41% of the earnings are spent on dividend by CASH. This is a low number and sustainable payout ratio.
  • CASH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP2.41%
EPS Next 2Y7.7%
EPS Next 3YN/A
CASH Yearly Income VS Free CF VS DividendCASH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M
CASH Dividend Payout.CASH Dividend Payout, showing the Payout Ratio.CASH Dividend Payout.PayoutRetained Earnings

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CASH Fundamentals: All Metrics, Ratios and Statistics

PATHWARD FINANCIAL INC

NASDAQ:CASH (3/6/2026, 8:04:20 PM)

After market: 89.91 0 (0%)

89.91

-1.12 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners94.57%
Inst Owner Change-27.34%
Ins Owners1.47%
Ins Owner Change4.29%
Market Cap1.96B
Revenue(TTM)830.37M
Net Income(TTM)190.47M
Analysts80
Price Target102 (13.45%)
Short Float %7.49%
Short Ratio5.84
Dividend
Industry RankSector Rank
Dividend Yield 0.22%
Yearly Dividend0.2
Dividend Growth(5Y)0.01%
DP2.41%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-12
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.07%
Min EPS beat(2)11.54%
Max EPS beat(2)28.61%
EPS beat(4)4
Avg EPS beat(4)19.07%
Min EPS beat(4)9.25%
Max EPS beat(4)28.61%
EPS beat(8)8
Avg EPS beat(8)11.55%
EPS beat(12)10
Avg EPS beat(12)7.4%
EPS beat(16)13
Avg EPS beat(16)7.09%
Revenue beat(2)0
Avg Revenue beat(2)-6.03%
Min Revenue beat(2)-8.66%
Max Revenue beat(2)-3.41%
Revenue beat(4)1
Avg Revenue beat(4)-2.22%
Min Revenue beat(4)-8.66%
Max Revenue beat(4)3.71%
Revenue beat(8)2
Avg Revenue beat(8)-1.51%
Revenue beat(12)4
Avg Revenue beat(12)-0.9%
Revenue beat(16)5
Avg Revenue beat(16)-0.95%
PT rev (1m)13.64%
PT rev (3m)13.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.06%
EPS NY rev (1m)2.19%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.06%
Valuation
Industry RankSector Rank
PE 10.26
Fwd PE 9.17
P/S 2.36
P/FCF 4.58
P/OCF 3.08
P/B 2.29
P/tB 3.59
EV/EBITDA N/A
EPS(TTM)8.76
EY9.74%
EPS(NY)9.8
Fwd EY10.9%
FCF(TTM)19.61
FCFY21.81%
OCF(TTM)29.21
OCFY32.48%
SpS38.16
BVpS39.27
TBVpS25.04
PEG (NY)2.4
PEG (5Y)0.43
Graham Number87.98
Profitability
Industry RankSector Rank
ROA 2.52%
ROE 22.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.94%
GM N/A
FCFM 51.4%
ROA(3y)2.29%
ROA(5y)2.24%
ROE(3y)21.77%
ROE(5y)21.02%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.84%
PM growth 5Y1.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.08
Debt/EBITDA N/A
Cap/Depr 358.67%
Cap/Sales 25.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 224.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.34%
ROIC/WACCN/A
Cap/Depr(3y)510.03%
Cap/Depr(5y)470.21%
Cap/Sales(3y)40.67%
Cap/Sales(5y)41.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.27%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%24.6%
EPS Next Y4.28%
EPS Next 2Y7.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.54%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%-0.24%
Revenue Next Year-0.8%
Revenue Next 2Y2.55%
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 1Y493.08%
FCF growth 3YN/A
FCF growth 5Y-10.03%
OCF growth 1Y124.45%
OCF growth 3Y18.79%
OCF growth 5Y-0.72%

PATHWARD FINANCIAL INC / CASH FAQ

What is the ChartMill fundamental rating of PATHWARD FINANCIAL INC (CASH) stock?

ChartMill assigns a fundamental rating of 5 / 10 to CASH.


Can you provide the valuation status for PATHWARD FINANCIAL INC?

ChartMill assigns a valuation rating of 5 / 10 to PATHWARD FINANCIAL INC (CASH). This can be considered as Fairly Valued.


How profitable is PATHWARD FINANCIAL INC (CASH) stock?

PATHWARD FINANCIAL INC (CASH) has a profitability rating of 4 / 10.


Can you provide the financial health for CASH stock?

The financial health rating of PATHWARD FINANCIAL INC (CASH) is 5 / 10.


Can you provide the dividend sustainability for CASH stock?

The dividend rating of PATHWARD FINANCIAL INC (CASH) is 4 / 10 and the dividend payout ratio is 2.41%.