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PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

NASDAQ:CASH - Nasdaq - US59100U1088 - Common Stock - Currency: USD

80.875  -1.12 (-1.37%)

After market: 80.875 0 (0%)

Fundamental Rating

4

Taking everything into account, CASH scores 4 out of 10 in our fundamental rating. CASH was compared to 395 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.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CASH had positive earnings in the past year.
In the past year CASH had a positive cash flow from operations.
Each year in the past 5 years CASH has been profitable.
Each year in the past 5 years CASH had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M

1.2 Ratios

CASH has a Return On Assets of 2.60%. This is amongst the best in the industry. CASH outperforms 98.23% of its industry peers.
CASH has a Return On Equity of 25.49%. This is amongst the best in the industry. CASH outperforms 99.24% of its industry peers.
Industry RankSector Rank
ROA 2.6%
ROE 25.49%
ROIC N/A
ROA(3y)2.21%
ROA(5y)2.08%
ROE(3y)22.81%
ROE(5y)19.3%
ROIC(3y)N/A
ROIC(5y)N/A
CASH Yearly ROA, ROE, ROICCASH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 21.34%, CASH is in line with its industry, outperforming 40.76% of the companies in the same industry.
CASH's Profit Margin has improved in the last couple of years.
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) 21.34%
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
CASH Yearly Profit, Operating, Gross MarginsCASH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

CASH does not have a ROIC to compare to the WACC, probably because it is not profitable.
CASH has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CASH has been reduced compared to 5 years ago.
The debt/assets ratio for CASH is higher compared to a year ago.
CASH Yearly Shares OutstandingCASH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CASH Yearly Total Debt VS Total AssetsCASH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of CASH is 0.25, which is an excellent value as it means it would take CASH, only 0.25 years of fcf income to pay off all of its debts.
CASH's Debt to FCF ratio of 0.25 is amongst the best of the industry. CASH outperforms 86.84% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that CASH is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.04, CASH belongs to the best of the industry, outperforming 82.28% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.25
Altman-Z N/A
ROIC/WACCN/A
WACC8.98%
CASH Yearly LT Debt VS Equity VS FCFCASH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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5

3. Growth

3.1 Past

CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.81%, which is quite good.
Measured over the past years, CASH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.24% on average per year.
The Revenue for CASH has decreased by -13.12% in the past year. This is quite bad
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)10.81%
EPS 3Y14.73%
EPS 5Y19.24%
EPS Q2Q%21.48%
Revenue 1Y (TTM)-13.12%
Revenue growth 3Y11.13%
Revenue growth 5Y9.17%
Sales Q2Q%6.32%

3.2 Future

The Earnings Per Share is expected to grow by 14.06% on average over the next years. This is quite good.
CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.65% yearly.
EPS Next Y14.18%
EPS Next 2Y14.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.56%
Revenue Next 2Y5.65%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CASH Yearly Revenue VS EstimatesCASH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
CASH Yearly EPS VS EstimatesCASH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.96, which indicates a very decent valuation of CASH.
Compared to the rest of the industry, the Price/Earnings ratio of CASH indicates a somewhat cheap valuation: CASH is cheaper than 65.32% of the companies listed in the same industry.
CASH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.85.
Based on the Price/Forward Earnings ratio of 9.38, the valuation of CASH can be described as reasonable.
CASH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CASH is cheaper than 62.03% of the companies in the same industry.
CASH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.89.
Industry RankSector Rank
PE 10.96
Fwd PE 9.38
CASH Price Earnings VS Forward Price EarningsCASH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

CASH's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.55
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 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 14.06% in the coming years.
PEG (NY)0.77
PEG (5Y)0.57
EPS Next 2Y14.06%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a yearly dividend of 0.24%, CASH is not a good candidate for dividend investing.
With a Dividend Yield of 0.24, CASH pays less dividend than the industry average, which is at 3.42. 88.10% of the companies listed in the same industry pay a better dividend than CASH!
With a Dividend Yield of 0.24, CASH pays less dividend than the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 0.24%

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.
Dividend Growth(5Y)-0.4%
Div Incr Years0
Div Non Decr Years0
CASH Yearly Dividends per shareCASH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

2.51% of the earnings are spent on dividend by CASH. This is a low number and sustainable payout ratio.
DP2.51%
EPS Next 2Y14.06%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M
CASH Dividend Payout.CASH Dividend Payout, showing the Payout Ratio.CASH Dividend Payout.PayoutRetained Earnings

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PATHWARD FINANCIAL INC

NASDAQ:CASH (5/14/2025, 8:23:46 PM)

After market: 80.875 0 (0%)

80.875

-1.12 (-1.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners112.23%
Inst Owner Change-6.07%
Ins Owners1.28%
Ins Owner Change5.59%
Market Cap1.91B
Analysts77.78
Price Target91.8 (13.51%)
Short Float %6.4%
Short Ratio6.42
Dividend
Industry RankSector Rank
Dividend Yield 0.24%
Yearly Dividend0.2
Dividend Growth(5Y)-0.4%
DP2.51%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13 2025-03-13 (0.05)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.08%
Min EPS beat(2)0.7%
Max EPS beat(2)3.45%
EPS beat(4)4
Avg EPS beat(4)4.02%
Min EPS beat(4)0.7%
Max EPS beat(4)6.94%
EPS beat(8)6
Avg EPS beat(8)1.57%
EPS beat(12)9
Avg EPS beat(12)3.1%
EPS beat(16)11
Avg EPS beat(16)2.33%
Revenue beat(2)0
Avg Revenue beat(2)-1.05%
Min Revenue beat(2)-1.37%
Max Revenue beat(2)-0.73%
Revenue beat(4)1
Avg Revenue beat(4)-0.8%
Min Revenue beat(4)-1.91%
Max Revenue beat(4)0.81%
Revenue beat(8)3
Avg Revenue beat(8)-0.24%
Revenue beat(12)4
Avg Revenue beat(12)-0.52%
Revenue beat(16)7
Avg Revenue beat(16)2.29%
PT rev (1m)1.69%
PT rev (3m)1.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.68%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.13%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)0.86%
Valuation
Industry RankSector Rank
PE 10.96
Fwd PE 9.38
P/S 2.05
P/FCF 14.55
P/OCF 5.38
P/B 2.45
P/tB 4.11
EV/EBITDA N/A
EPS(TTM)7.38
EY9.13%
EPS(NY)8.62
Fwd EY10.66%
FCF(TTM)5.56
FCFY6.87%
OCF(TTM)15.05
OCFY18.6%
SpS39.4
BVpS32.99
TBVpS19.7
PEG (NY)0.77
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 2.6%
ROE 25.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.34%
GM N/A
FCFM 14.11%
ROA(3y)2.21%
ROA(5y)2.08%
ROE(3y)22.81%
ROE(5y)19.3%
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-Score7
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.25
Debt/EBITDA N/A
Cap/Depr 385.4%
Cap/Sales 24.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.98%
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)10.81%
EPS 3Y14.73%
EPS 5Y19.24%
EPS Q2Q%21.48%
EPS Next Y14.18%
EPS Next 2Y14.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.12%
Revenue growth 3Y11.13%
Revenue growth 5Y9.17%
Sales Q2Q%6.32%
Revenue Next Year5.56%
Revenue Next 2Y5.65%
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 1Y138.11%
FCF growth 3Y-30.1%
FCF growth 5Y40.23%
OCF growth 1Y130.03%
OCF growth 3Y-7.96%
OCF growth 5Y18.88%