PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

NASDAQ:CASH • US59100U1088

93.15 USD
-0.22 (-0.24%)
At close: Feb 18, 2026
93.15 USD
0 (0%)
After Hours: 2/18/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, CASH scores 5 out of 10 in our fundamental rating. CASH was compared to 381 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

4

1. Profitability

1.1 Basic Checks

  • In the past year CASH was profitable.
  • CASH had a positive operating cash flow in the past year.
  • Each year in the past 5 years CASH has been profitable.
  • In the past 5 years CASH always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

1.2 Ratios

  • With an excellent Return On Assets value of 2.60%, CASH belongs to the best of the industry, outperforming 99.21% of the companies in the same industry.
  • CASH has a Return On Equity of 21.75%. This is amongst the best in the industry. CASH outperforms 98.43% of its industry peers.
Industry RankSector 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
CASH Yearly ROA, ROE, ROICCASH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • CASH has a Profit Margin of 22.47%. This is comparable to the rest of the industry: CASH outperforms 41.47% of its industry peers.
  • In the last couple of years the Profit Margin of CASH has remained more or less at the same level.
  • 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) 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
CASH Yearly Profit, Operating, Gross MarginsCASH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • Compared to 5 years ago, CASH has less shares outstanding
  • Compared to 1 year ago, CASH has an improved debt to assets ratio.
CASH Yearly Shares OutstandingCASH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
CASH Yearly Total Debt VS Total AssetsCASH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of CASH is 0.18, which is an excellent value as it means it would take CASH, only 0.18 years of fcf income to pay off all of its debts.
  • CASH's Debt to FCF ratio of 0.18 is amongst the best of the industry. CASH outperforms 86.88% of its industry peers.
  • 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 80.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.18
Altman-Z N/A
ROIC/WACCN/A
WACC8.26%
CASH Yearly LT Debt VS Equity VS FCFCASH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 28.27%, which is quite impressive.
  • 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 very negative growth in Revenue. The Revenue has decreased by -10.54% 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)28.27%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%24.6%
Revenue 1Y (TTM)-10.54%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%-0.24%

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 7.70% on average per year.
  • The Revenue is expected to grow by 2.55% on average over the next years.
EPS Next Y4.28%
EPS Next 2Y7.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.8%
Revenue Next 2Y2.55%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 decreasing.
CASH Yearly Revenue VS EstimatesCASH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
CASH Yearly EPS VS EstimatesCASH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • CASH is valuated reasonably with a Price/Earnings ratio of 10.63.
  • Compared to the rest of the industry, the Price/Earnings ratio of CASH indicates a somewhat cheap valuation: CASH is cheaper than 78.74% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, CASH is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.50 indicates a reasonable valuation of CASH.
  • CASH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CASH is cheaper than 77.69% of the companies in the same industry.
  • CASH is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.63
Fwd PE 9.5
CASH Price Earnings VS Forward Price EarningsCASH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CASH is valued a bit cheaper than 79.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.57
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 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)2.48
PEG (5Y)0.45
EPS Next 2Y7.7%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • CASH has a yearly dividend return of 0.23%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.78, CASH's dividend is way lower than its industry peers. On top of this 87.66% of the companies listed in the same industry pay a better dividend than CASH!
  • With a Dividend Yield of 0.23, CASH pays less dividend than the S&P500 average, which is at 1.84.
Industry RankSector Rank
Dividend Yield 0.23%

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.
  • The dividend of CASH decreased recently.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years1
CASH Yearly Dividends per shareCASH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

  • CASH pays out 2.51% of its income as dividend. This is a sustainable payout ratio.
  • CASH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP2.51%
EPS Next 2Y7.7%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M
CASH Dividend Payout.CASH Dividend Payout, showing the Payout Ratio.CASH Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PATHWARD FINANCIAL INC

NASDAQ:CASH (2/18/2026, 4:30:02 PM)

After market: 93.15 0 (0%)

93.15

-0.22 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners96.14%
Inst Owner Change-26.36%
Ins Owners1.49%
Ins Owner Change4.66%
Market Cap2.03B
Revenue(TTM)830.37M
Net Income(TTM)186.65M
Analysts80
Price Target102 (9.5%)
Short Float %6.6%
Short Ratio5.31
Dividend
Industry RankSector Rank
Dividend Yield 0.23%
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)13.64%
PT rev (3m)13.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.1%
EPS NY rev (1m)2.19%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-3.06%
Revenue NY rev (3m)-3.06%
Valuation
Industry RankSector Rank
PE 10.63
Fwd PE 9.5
P/S 2.44
P/FCF 8.57
P/OCF 4.5
P/B 2.36
P/tB 3.7
EV/EBITDA N/A
EPS(TTM)8.76
EY9.4%
EPS(NY)9.8
Fwd EY10.52%
FCF(TTM)10.87
FCFY11.67%
OCF(TTM)20.71
OCFY22.23%
SpS38.18
BVpS39.43
TBVpS25.17
PEG (NY)2.48
PEG (5Y)0.45
Graham Number88.16
Profitability
Industry RankSector 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 RankSector 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
WACC8.26%
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)28.27%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%24.6%
EPS Next Y4.28%
EPS Next 2Y7.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.54%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%-0.24%
Revenue Next Year-0.8%
Revenue Next 2Y2.55%
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 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.


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%.