PATHWARD FINANCIAL INC (CASH)
US59100U1088 - Common Stock
Overall CASH gets a fundamental rating of 3 out of 10. We evaluated CASH against 416 industry peers in the Banks industry. While CASH is still in line with the averages on profitability rating, there are concerns on its financial health. CASH has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CASH was profitable.
CASH had a positive operating cash flow in the past year.
CASH had positive earnings in each of the past 5 years.
CASH had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CASH has a Return On Assets of 2.00%. This is amongst the best in the industry. CASH outperforms 95.41% of its industry peers.
CASH has a Return On Equity of 21.93%. This is amongst the best in the industry. CASH outperforms 96.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 21.93% | ||
| ROIC | N/A |
ROA(3y)2.17%
ROA(5y)1.94%
ROE(3y)21.51%
ROE(5y)17.58%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 22.32%, CASH is doing worse than 68.12% 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) | 22.32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.71%
PM growth 5Y6.91%
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.
Compared to 5 years ago, CASH has less shares outstanding
CASH has a worse debt/assets ratio than last year.
2.2 Solvency
CASH has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
CASH's Debt to Equity ratio of 0.39 is on the low side compared to the rest of the industry. CASH is outperformed by 64.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.19%, which is quite impressive.
CASH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.99% yearly.
CASH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.47%.
The Revenue has been growing by 17.47% on average over the past years. This is quite good.
EPS 1Y (TTM)42.19%
EPS 3Y27.2%
EPS 5Y19.99%
EPS growth Q2Q80.65%
Revenue 1Y (TTM)11.47%
Revenue growth 3Y12.2%
Revenue growth 5Y17.47%
Revenue growth Q2Q30.9%
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 6.22% on average per year.
CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
EPS Next Y8.34%
EPS Next 2Y6.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.69%
Revenue Next 2Y6.08%
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
The Price/Earnings ratio is 9.60, which indicates a very decent valuation of CASH.
Compared to the rest of the industry, the Price/Earnings ratio of CASH is on the same level as its industry peers.
CASH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.54.
With a Price/Forward Earnings ratio of 8.05, the valuation of CASH can be described as very reasonable.
CASH's Price/Forward Earnings ratio is rather cheap when compared to the industry. CASH is cheaper than 83.09% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.22. CASH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.6 | ||
| Fwd PE | 8.05 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CASH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.15
PEG (5Y)0.48
EPS Next 2Y6.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CASH has a yearly dividend return of 0.38%, which is pretty low.
Compared to an average industry Dividend Yield of 3.74, CASH's dividend is way lower than its industry peers. On top of this 87.92% of the companies listed in the same industry pay a better dividend than CASH!
Compared to an average S&P500 Dividend Yield of 2.55, CASH's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.38% |
5.2 History
The dividend of CASH has a limited annual growth rate of 2.06%.
CASH has paid a dividend for at least 10 years, which is a reliable track record.
CASH has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.06%
Div Incr Years1
Div Non Decr Years19
5.3 Sustainability
CASH pays out 3.70% of its income as dividend. This is a sustainable payout ratio.
The dividend of CASH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP3.7%
EPS Next 2Y6.22%
EPS Next 3YN/A
PATHWARD FINANCIAL INC
NASDAQ:CASH (12/8/2023, 7:00:02 PM)
After market: 52.41 0 (0%)52.41
-0.07 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.36B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.38% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.6 | ||
| Fwd PE | 8.05 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.15
PEG (5Y)0.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 21.93% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.32% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)42.19%
EPS 3Y27.2%
EPS 5Y
EPS growth Q2Q
EPS Next Y8.34%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)11.47%
Revenue growth 3Y12.2%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y