CASH Fundamental Analysis - PATHWARD FINANCIAL INC

Fundamental Rating

Taking everything into account, CASH scores 4 out of 10 in our fundamental rating. CASH was compared to 392 industry peers in the Banks industry. CASH has a medium profitability rating, but doesn't score so well on its financial health evaluation. CASH is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CASH was profitable.

In the past 5 years CASH has always been profitable.

In the past 5 years CASH always reported a positive cash flow from operatings.

1.2 Ratios

CASH has a better Return On Assets (2.50%) than 98.21% of its industry peers.

Looking at the Return On Equity, with a value of 22.05%, CASH belongs to the top of the industry, outperforming 99.23% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.5%
ROE	22.05%
ROIC	N/A

ROA(3y)2.21%

ROA(5y)2.08%

ROE(3y)22.95%

ROE(5y)19.39%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 22.56%, CASH perfoms like the industry average, outperforming 45.92% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	22.56%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

CASH has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.18 indicates that CASH is not too dependend on debt financing.

CASH has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: CASH outperforms 47.70% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.67%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.65%, 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 19.24% on average per year.

CASH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.13%.

The Revenue has been growing by 9.17% on average over the past years. This is quite good.

EPS 1Y (TTM)20.65%

EPS 3Y14.73%

EPS 5Y19.24%

EPS Q2Q%12.11%

Revenue 1Y (TTM)-12.13%

Revenue growth 3Y11.13%

Revenue growth 5Y9.17%

Sales Q2Q%10.77%

3.2 Future

CASH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.59% yearly.

CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.63% yearly.

EPS Next Y21.54%

EPS Next 2Y14.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.21%

Revenue Next 2Y7.63%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.53 indicates a reasonable valuation of CASH.

Based on the Price/Earnings ratio, CASH is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.38, CASH is valued rather cheaply.

The Price/Forward Earnings ratio is 8.77, which indicates a very decent valuation of CASH.

CASH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CASH is cheaper than 77.30% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.86. CASH is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.53
Fwd PE	8.77

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

CASH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CASH's earnings are expected to grow with 14.59% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.44

PEG (5Y)0.5

EPS Next 2Y14.59%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.26%, CASH is not a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.73, CASH's dividend is way lower than its industry peers. On top of this 86.48% of the companies listed in the same industry pay a better dividend than CASH!

Compared to an average S&P500 Dividend Yield of 2.38, CASH's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.26%

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 0.69% of its income as dividend. This is a sustainable payout ratio.

DP0.69%

EPS Next 2Y14.59%

EPS Next 3YN/A

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PATHWARD FINANCIAL INC

NASDAQ:CASH (9/19/2025, 8:00:02 PM)

After market: 76.331 0 (0%)

76.33

-0.73 (-0.95%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners97.37%

Inst Owner Change-1.64%

Ins Owners1.34%

Ins Owner Change-2.07%

Market Cap1.74B

Analysts45.71

Price Target89.76 (17.59%)

Short Float %5.82%

Short Ratio7.65

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.26%

Yearly Dividend0.2

Dividend Growth(5Y)-0.4%

DP0.69%

Div Incr Years0

Div Non Decr Years1

Ex-Date09-10 2025-09-10 (0.05)

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)-2.22%

EPS NQ rev (1m)-8.37%

EPS NQ rev (3m)-7.91%

EPS NY rev (1m)6.9%

EPS NY rev (3m)4.43%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)7.55%

Revenue NY rev (1m)4.22%

Revenue NY rev (3m)4.4%

Valuation

		Industry Rank	Sector Rank
PE	9.53
Fwd PE	8.77
P/S	2.17
P/FCF	N/A
P/OCF	N/A
P/B	2.12
P/tB	3.42
EV/EBITDA	N/A

EPS(TTM)8.01

EY10.49%

EPS(NY)8.71

Fwd EY11.41%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS35.14

BVpS35.96

TBVpS22.29

PEG (NY)0.44

PEG (5Y)0.5

Profitability

		Industry Rank	Sector Rank
ROA	2.5%
ROE	22.05%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.56%
GM	N/A
FCFM	N/A

ROA(3y)2.21%

ROA(5y)2.08%

ROE(3y)22.95%

ROE(5y)19.39%

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-ScoreN/A

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-ScoreN/A

WACC8.67%

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)20.65%

EPS 3Y14.73%

EPS 5Y19.24%

EPS Q2Q%12.11%

EPS Next Y21.54%

EPS Next 2Y14.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-12.13%

Revenue growth 3Y11.13%

Revenue growth 5Y9.17%

Sales Q2Q%10.77%

Revenue Next Year10.21%

Revenue Next 2Y7.63%

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 1Y220.43%

FCF growth 3Y-30.1%

FCF growth 5Y40.23%

OCF growth 1Y49.63%

OCF growth 3Y-7.96%

OCF growth 5Y18.88%

PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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