73.09 USD
-1.44 (-1.93%)
73.09 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to CASH. CASH was compared to 387 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.
In the past year CASH had a positive cash flow from operations.
CASH had positive earnings in each of the past 5 years.
Each year in the past 5 years CASH had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 2.60%, CASH belongs to the best of the industry, outperforming 98.97% of the companies in the same industry.
The Return On Equity of CASH (21.75%) is better than 98.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 21.75% | ||
| ROIC | N/A |
ROA(3y)2.29%
ROA(5y)2.24%
ROE(3y)21.77%
ROE(5y)21.02%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CASH has a Profit Margin (22.47%) which is comparable to the rest of the industry.
CASH's Profit Margin has been stable 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) | 22.47% | ||
| 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.
The debt/assets ratio for CASH has been reduced compared to a year ago.
2.2 Solvency
CASH has a debt to FCF ratio of 0.18. This is a very positive value and a sign of high solvency as it would only need 0.18 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.18, CASH belongs to the best of the industry, outperforming 86.56% of the companies in the same industry.
A Debt/Equity ratio of 0.05 indicates that CASH is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.05, CASH belongs to the top of the industry, outperforming 80.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.29%
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.
CASH shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.68% yearly.
Looking at the last year, CASH shows a decrease in Revenue. The Revenue has decreased by -9.45% in the last year.
Measured over the past years, CASH shows a quite strong growth in Revenue. The Revenue has been growing by 10.98% on average per year.
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
The Earnings Per Share is expected to grow by 6.74% on average over the next years.
The Revenue is expected to grow by 3.53% on average over the next years.
EPS Next Y2.05%
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.
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
With a Price/Earnings ratio of 8.65, the valuation of CASH can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CASH indicates a rather cheap valuation: CASH is cheaper than 90.18% 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 26.92.
CASH is valuated reasonably with a Price/Forward Earnings ratio of 8.48.
81.40% of the companies in the same industry are more expensive than CASH, based on the Price/Forward Earnings ratio.
CASH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 8.48 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CASH is valued cheaper than 85.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.22
PEG (5Y)0.37
EPS Next 2Y6.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.28%, CASH is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.78, CASH's dividend is way lower than its industry peers. On top of this 86.82% of the companies listed in the same industry pay a better dividend than CASH!
With a Dividend Yield of 0.28, CASH pays less dividend than the S&P500 average, which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.28% |
5.2 History
The dividend of CASH has a limited annual growth rate of 0.01%.
CASH has paid a dividend for at least 10 years, which is a reliable track record.
CASH has decreased its dividend recently.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
2.51% 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.
DP2.51%
EPS Next 2Y6.74%
EPS Next 3YN/A
73.09
-1.44 (-1.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.14%
Inst Owner Change0%
Ins Owners1.49%
Ins Owner Change4.88%
Market Cap1.63B
Revenue(TTM)830.78M
Net Income(TTM)186.65M
Analysts45.71
Price Target89.76 (22.81%)
Short Float %6.89%
Short Ratio7.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.28% |
Yearly Dividend0.2
Dividend Growth(5Y)0.01%
DP2.51%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.93%
Min EPS beat(2)9.25%
Max EPS beat(2)28.61%
EPS beat(4)4
Avg EPS beat(4)16.36%
Min EPS beat(4)0.7%
Max EPS beat(4)28.61%
EPS beat(8)7
Avg EPS beat(8)8.09%
EPS beat(12)10
Avg EPS beat(12)8.06%
EPS beat(16)12
Avg EPS beat(16)5.85%
Revenue beat(2)1
Avg Revenue beat(2)0.15%
Min Revenue beat(2)-3.41%
Max Revenue beat(2)3.71%
Revenue beat(4)1
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-3.41%
Max Revenue beat(4)3.71%
Revenue beat(8)2
Avg Revenue beat(8)-0.95%
Revenue beat(12)5
Avg Revenue beat(12)0.44%
Revenue beat(16)6
Avg Revenue beat(16)1.89%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 8.48 | ||
| P/S | 1.97 | ||
| P/FCF | 6.9 | ||
| P/OCF | 3.62 | ||
| P/B | 1.9 | ||
| P/tB | 2.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.45
EY11.56%
EPS(NY)8.62
Fwd EY11.8%
FCF(TTM)10.59
FCFY14.49%
OCF(TTM)20.17
OCFY27.6%
SpS37.19
BVpS38.41
TBVpS24.51
PEG (NY)4.22
PEG (5Y)0.37
Graham Number85.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 21.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.47% | ||
| GM | N/A | ||
| FCFM | 28.48% |
ROA(3y)2.29%
ROA(5y)2.24%
ROE(3y)21.77%
ROE(5y)21.02%
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-Score7
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 358.35% | ||
| Cap/Sales | 25.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 126.76% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.29%
ROIC/WACCN/A
Cap/Depr(3y)510.03%
Cap/Depr(5y)470.21%
Cap/Sales(3y)40.67%
Cap/Sales(5y)41.33%
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 Y2.05%
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 1Y11.57%
FCF growth 3YN/A
FCF growth 5Y-10.03%
OCF growth 1Y-7.81%
OCF growth 3Y18.79%
OCF growth 5Y-0.72%
PATHWARD FINANCIAL INC / CASH FAQ
What is the ChartMill fundamental rating of PATHWARD FINANCIAL INC (CASH) stock?
ChartMill assigns a fundamental rating of 5 / 10 to CASH.
Can you provide the valuation status for PATHWARD FINANCIAL INC?
ChartMill assigns a valuation rating of 6 / 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.
Can you provide the financial health for CASH stock?
The financial health rating of PATHWARD FINANCIAL INC (CASH) is 5 / 10.
Can you provide the dividend sustainability for CASH stock?
The dividend rating of PATHWARD FINANCIAL INC (CASH) is 4 / 10 and the dividend payout ratio is 2.51%.