PATHWARD FINANCIAL INC (CASH)
US59100U1088 - Common Stock
Taking everything into account, CASH scores 4 out of 10 in our fundamental rating. CASH was compared to 411 industry peers in the Banks industry. CASH has a medium profitability rating, but doesn't score so well on its financial health evaluation. CASH has a correct valuation and a medium growth rate.
1. Profitability
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.
CASH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CASH has a better Return On Assets (2.03%) than 95.86% of its industry peers.
CASH's Return On Equity of 22.08% is amongst the best of the industry. CASH outperforms 98.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 22.08% | ||
| ROIC | N/A |
ROA(3y)2.17%
ROA(5y)1.94%
ROE(3y)21.51%
ROE(5y)17.58%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 22.46%, CASH is in line with its industry, outperforming 42.82% of the companies in the same industry.
CASH's Profit Margin has improved in the last couple of years.
CASH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.46% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.71%
PM growth 5Y6.91%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CASH does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CASH has been reduced compared to 1 year ago.
The number of shares outstanding for CASH has been reduced compared to 5 years ago.
Compared to 1 year ago, CASH has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 0.05 indicates that CASH is not too dependend on debt financing.
CASH has a better Debt to Equity ratio (0.05) than 82.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.85%, which is quite impressive.
Measured over the past years, CASH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.99% on average per year.
Looking at the last year, CASH shows a very strong growth in Revenue. The Revenue has grown by 20.98%.
Measured over the past years, CASH shows a quite strong growth in Revenue. The Revenue has been growing by 17.47% on average per year.
EPS 1Y (TTM)36.85%
EPS 3Y27.2%
EPS 5Y19.99%
EPS growth Q2Q8.16%
Revenue 1Y (TTM)20.98%
Revenue growth 3Y12.2%
Revenue growth 5Y17.47%
Revenue growth Q2Q8.6%
3.2 Future
CASH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.41% yearly.
CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.55% yearly.
EPS Next Y7.24%
EPS Next 2Y6.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.7%
Revenue Next 2Y5.55%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.69, the valuation of CASH can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CASH indicates a somewhat cheap valuation: CASH is cheaper than 68.86% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.20, CASH is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.78, the valuation of CASH can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CASH indicates a rather cheap valuation: CASH is cheaper than 87.10% of the companies listed in the same industry.
CASH is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.63, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.69 | ||
| Fwd PE | 7.78 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CASH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.2
PEG (5Y)0.43
EPS Next 2Y6.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.39%, CASH is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.86, CASH's dividend is way lower than its industry peers. On top of this 88.08% of the companies listed in the same industry pay a better dividend than CASH!
With a Dividend Yield of 0.39, CASH pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.39% |
5.2 History
The dividend of CASH has a limited annual growth rate of 2.30%.
CASH has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)2.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
3.31% 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.
DP3.31%
EPS Next 2Y6.41%
EPS Next 3YN/A
PATHWARD FINANCIAL INC
NASDAQ:CASH (4/25/2024, 7:00:02 PM)
After market: 52.92 0 (0%)52.92
+1.83 (+3.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.35B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.39% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.69 | ||
| Fwd PE | 7.78 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.2
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 22.08% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.46% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)36.85%
EPS 3Y27.2%
EPS 5Y
EPS growth Q2Q
EPS Next Y7.24%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)20.98%
Revenue growth 3Y12.2%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y