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PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

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

81.84  +1.94 (+2.43%)

After market: 81.84 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CASH. CASH was compared to 398 industry peers in the Banks industry. CASH has only an average score on both its financial health and profitability. CASH has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CASH had positive earnings in the past year.
CASH had a positive operating cash flow in the past year.
CASH had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 98.24% of the companies in the same industry.
CASH has a better Return On Equity (25.49%) than 99.25% 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

CASH has a Profit Margin (21.34%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CASH has grown nicely.
CASH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
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.
CASH has a worse debt/assets ratio than last year.
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

CASH has a debt to FCF ratio of 0.25. This is a very positive value and a sign of high solvency as it would only need 0.25 years to pay back of all of its debts.
The Debt to FCF ratio of CASH (0.25) is better than 86.43% of its industry peers.
CASH has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.04, CASH belongs to the top of the industry, outperforming 82.16% 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
WACC8.87%
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
CASH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.17% yearly.
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

Based on estimates for the next years, CASH will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.06% on average per year.
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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.09, which indicates a very decent valuation of CASH.
62.06% of the companies in the same industry are more expensive than CASH, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.22. CASH is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.49, the valuation of CASH can be described as very reasonable.
CASH's Price/Forward Earnings ratio is in line with the industry average.
CASH is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.09
Fwd PE 9.49
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

CASH's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CASH is more expensive than 60.80% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.9
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)0.78
PEG (5Y)0.58
EPS Next 2Y14.06%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

CASH has a yearly dividend return of 0.25%, which is pretty low.
Compared to an average industry Dividend Yield of 3.52, CASH's dividend is way lower than its industry peers. On top of this 87.94% of the companies listed in the same industry pay a better dividend than CASH!
With a Dividend Yield of 0.25, CASH pays less dividend than the S&P500 average, which is at 2.44.
Industry RankSector Rank
Dividend Yield 0.25%

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.
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 (5/2/2025, 8:00:02 PM)

After market: 81.84 0 (0%)

81.84

+1.94 (+2.43%)

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-4.86%
Ins Owners1.28%
Ins Owner Change10.05%
Market Cap1.93B
Analysts77.78
Price Target91.8 (12.17%)
Short Float %6.2%
Short Ratio6.28
Dividend
Industry RankSector Rank
Dividend Yield 0.25%
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)4.65%
EPS NQ rev (1m)-1.68%
EPS NQ rev (3m)2.83%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)0.84%
Revenue NQ rev (1m)11.13%
Revenue NQ rev (3m)2.82%
Revenue NY rev (1m)0.86%
Revenue NY rev (3m)1.24%
Valuation
Industry RankSector Rank
PE 11.09
Fwd PE 9.49
P/S 2.1
P/FCF 14.9
P/OCF 5.51
P/B 2.51
P/tB 4.21
EV/EBITDA N/A
EPS(TTM)7.38
EY9.02%
EPS(NY)8.62
Fwd EY10.54%
FCF(TTM)5.49
FCFY6.71%
OCF(TTM)14.86
OCFY18.16%
SpS38.92
BVpS32.59
TBVpS19.46
PEG (NY)0.78
PEG (5Y)0.58
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
WACC8.87%
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%