70.2 USD
+2.57 (+3.8%)
70.2 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CASH. CASH was compared to 388 industry peers in the Banks industry. Both the profitability and the financial health of CASH get a neutral evaluation. Nothing too spectacular is happening here. 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.
Of the past 5 years CASH 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CASH (2.51%) is better than 98.71% of its industry peers.
The Return On Equity of CASH (22.13%) is better than 99.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 22.13% | ||
| ROIC | N/A |
ROA(3y)2.31%
ROA(5y)2.26%
ROE(3y)22.06%
ROE(5y)21.2%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 22.32%, CASH perfoms like the industry average, outperforming 43.56% of the companies in the same industry.
CASH's Profit Margin has been stable in the last couple of years.
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) | 22.32% | ||
| 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
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.
CASH has a better debt/assets ratio than last year.
2.2 Solvency
CASH has a debt to FCF ratio of 1.33. This is a very positive value and a sign of high solvency as it would only need 1.33 years to pay back of all of its debts.
CASH's Debt to FCF ratio of 1.33 is fine compared to the rest of the industry. CASH outperforms 60.31% of its industry peers.
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 47.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.33 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 27.47% over the past year.
The Earnings Per Share has been growing by 23.68% on average over the past years. This is a very strong growth
CASH shows a decrease in Revenue. In the last year, the revenue decreased by -9.45%.
CASH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.98% yearly.
EPS 1Y (TTM)27.47%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%32.59%
Revenue 1Y (TTM)-9.45%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%11.18%
3.2 Future
Based on estimates for the next years, CASH will show a small growth in Earnings Per Share. The EPS will grow by 6.74% on average per year.
The Revenue is expected to grow by 3.53% on average over the next years.
EPS Next Y3.26%
EPS Next 2Y6.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.33%
Revenue Next 2Y3.53%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.31 indicates a reasonable valuation of CASH.
CASH's Price/Earnings ratio is rather cheap when compared to the industry. CASH is cheaper than 91.75% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.45. CASH is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.04, the valuation of CASH can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CASH indicates a rather cheap valuation: CASH is cheaper than 83.51% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of CASH to the average of the S&P500 Index (34.46), we can say CASH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 8.04 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CASH.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CASH does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.55
PEG (5Y)0.35
EPS Next 2Y6.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.30%, CASH is not a good candidate for dividend investing.
With a Dividend Yield of 0.30, CASH pays less dividend than the industry average, which is at 3.39. 86.60% of the companies listed in the same industry pay a better dividend than CASH!
Compared to an average S&P500 Dividend Yield of 2.45, CASH's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.3% |
5.2 History
The dividend of CASH decreases each year by -0.40%.
CASH has been paying a dividend for at least 10 years, so it has 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
CASH pays out 2.64% of its income as dividend. This is a sustainable payout ratio.
DP2.64%
EPS Next 2Y6.74%
EPS Next 3YN/A
70.2
+2.57 (+3.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.79%
Inst Owner Change30.07%
Ins Owners1.35%
Ins Owner Change0.74%
Market Cap1.60B
Revenue(TTM)830.78M
Net Income(TTM)181.22M
Analysts45.71
Price Target89.76 (27.86%)
Short Float %7.05%
Short Ratio8.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.3% |
Yearly Dividend0.2
Dividend Growth(5Y)-0.4%
DP2.64%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.67%
EPS NY rev (1m)0.23%
EPS NY rev (3m)0.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-2.64%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 8.04 | ||
| P/S | 1.97 | ||
| P/FCF | 14.36 | ||
| P/OCF | 5.67 | ||
| P/B | 1.95 | ||
| P/tB | 3.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.45
EY12.04%
EPS(NY)8.73
Fwd EY12.43%
FCF(TTM)4.89
FCFY6.96%
OCF(TTM)12.38
OCFY17.64%
SpS35.66
BVpS35.97
TBVpS22.3
PEG (NY)2.55
PEG (5Y)0.35
Graham Number82.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 22.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.32% | ||
| GM | N/A | ||
| FCFM | 13.71% |
ROA(3y)2.31%
ROA(5y)2.26%
ROE(3y)22.06%
ROE(5y)21.2%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.33 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 287.5% | ||
| Cap/Sales | 21.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 61.43% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.62%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.47%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%32.59%
EPS Next Y3.26%
EPS Next 2Y6.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.45%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%11.18%
Revenue Next Year2.33%
Revenue Next 2Y3.53%
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 1Y-16.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-34.88%
OCF growth 3YN/A
OCF growth 5YN/A
PATHWARD FINANCIAL INC / CASH FAQ
What is the ChartMill fundamental rating of PATHWARD FINANCIAL INC (CASH) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CASH.
What is the valuation status for CASH stock?
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.
What are the PE and PB ratios of PATHWARD FINANCIAL INC (CASH) stock?
The Price/Earnings (PE) ratio for PATHWARD FINANCIAL INC (CASH) is 8.31 and the Price/Book (PB) ratio is 1.95.
How financially healthy is PATHWARD FINANCIAL INC?
The financial health rating of PATHWARD FINANCIAL INC (CASH) is 4 / 10.