PATHWARD FINANCIAL INC (CASH) 42.31 -0.34 (-0.8%)
42.31 -0.34 (-0.8%)
US59100U1088 - Common Stock - After market: 42.31 0 (0%)
Fundamental Rating
We assign a fundamental rating of 5 out of 10 to CASH. CASH was compared to 323 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on CASH.
Profitability
Profitability Rating
CASH has a Return On Assets of 3.23%. This is amongst the best returns in the industry. The industry average is 1.11%. CASH outperforms 99% of its industry peers.
CASH has a Return On Equity of 33.74%. This is amongst the best returns in the industry. The industry average is 12.49%. CASH outperforms 100% of its industry peers.
CASH has a good Piotroski-F score of 7.00. This indicates a good health and good profitability for CASH.
CASH's Profit Margin of 28.67% is worse than the rest of the industry. The industry average Profit Margin is 29.99%.
VS Industry
ROA (3.23%) VS Industry: 99% outperformed.
-1.10
7.44
ROE (33.74%) VS Industry: 100% outperformed.
2.49
33.74
Profit Margin (28.67%) VS Industry: 39% outperformed.
-34.82
51.79
Valuation
Valuation Rating
The Price/Earnings Ratio is 10.20, which indicates a very decent valuation of CASH.
With a Forward Price/Earnings Ratio of 7.72, the valuation of CASH can be described as cheap.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
Compared to an average industry Price/Earning Ratio of 10.08, CASH is valued in line with its industry peers.
When comparing the current price to the book value of CASH, we can conclude it is valued correctly. It is trading at 1.87 times its book value.
Compared to an average industry price book ratio of 1.20, CASH is valued more expensive than its industry peers. 90% of the companies listed in the same industry are valued cheaper.
VS Industry
Price/Earnings (10.2) VS Industry: 48% outperformed.
203.00
0.30
Price/Book (1.87) VS Industry: 10% outperformed.
4.48
0.03
Growth
Growth Rating
Measured over the past 5 years, CASH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.33% on average per year.
Based on estimates for the next 5 years, CASH will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.38% on average per year.
The Revenue has grown by 38.04% in the past year. This is a very strong growth!
CASH shows quite a strong growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 17.76% yearly.
CASH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.47%.
When comparing the EPS growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is stable.
CASH is expected to show a small growth in Revenue. In the coming 5 years, the Revenue will grow by 7.08% yearly.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is decreasing.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 17.33% | 14.7% | -5.47% | 31.99% | 23.99% | 18.47% | 16.38% |
| Revenue | 17.76% | 7.29% | 38.04% | 18.02% | 10.99% | 8.83% | 7.08% |
Health
Health Rating
With a Debt to Equity ratio of 0.05, CASH is one of the better performing companies in its industry. It outperforms 83% of its industry peers.
The Piotroski-F score of CASH is 7.00. This is a strong score and indicates good health and profitability for CASH.
VS Industry
Debt/Equity (0.05) VS Industry: 83% outperformed.
3.83
0.00
Dividend
Dividend Rating
2.72% of the earnings are spent on dividend by CASH. This is a low number and sustainable payout ratio.
CASH has been paying a dividend for at least 10 years, so it has a reliable track record.
CASH has a yearly dividend return of 0.45%, which is pretty low.
Compared to an average industry Dividend Yield of 3.05, CASH's dividend is way lower than its industry peers. On top of this 98% of the companies listed in the same industry pay a better dividend than CASH!
Compared to an average S&P500 Dividend Yield of 2.43, CASH's dividend is way lower than the S&P500 average.
VS Industry
Dividend Yield (0.45%) VS Industry: 2% outperformed.
0.09
19.82
PATHWARD FINANCIAL INC42.31
NASDAQ:CASH (12/6/2022, 7:25:55 PM)-0.34 (-0.8%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Banks | ||
| GICS Industry | Banks | ||
| Earnings (Last) | 10-27 2022-10-27/amc | Earnings (Next) | 01-24 2023-01-24 |
| Ins Owners | 1.25% | Inst Owners | 90.18% |
| Market Cap | 1.20B | Analysts | 80 |
| PE | 10.2 | Fwd PE | 7.72 |
| PEG (NY) | 0.32 | PEG (5Y) | 0.59 |
| P/S | 1.59 | P/B | 1.87 |
| EV/EBITDA | N/A | ||
| Dividend Yield | 0.45% | Dividend Growth | N/A |
| DP | 2.72% | Ex-Date | 09-07 2022-09-07 (0.05) |
| EPS 1Y | -5.47% | EPS 3Y | 14.7% |
| EPS 5Y | 17.33% | EPS growth Q2Q | 62% |
| EPS Next Y | 31.99% | EPS Next 2Y | 23.99% |
| EPS Next 3Y | 18.47% | EPS Next 5Y | 16.38% |
| Revenue growth 1Y | 38.04% | Revenue growth 3Y | 7.29% |
| Revenue growth 5Y | 17.76% | Revenue growth Q2Q | 2.51% |
| Revenue Next Year | 18.02% | Revenue Next 2Y | 10.99% |
| Revenue Next 3Y | 8.83% | Revenue Next 5Y | 7.08% |
| Current Ratio | N/A | Quick Ratio | N/A |
| Altman-Z | N/A | F-Score | 7 |
| Debt/Equity | 0.05 | WACC | 8.24% |
| ROIC/WACC | N/A | ||
| ROA | 3.23% | ROE | 33.74% |
| ROICexgc | N/A | ROIC | N/A |
| PM | 28.67% | OM | N/A |
| Asset Turnover | 0.11 | ||
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