85.72 USD
+5.82 (+7.28%)
85.72 USD
0 (0%)
Overall CASH gets a fundamental rating of 5 out of 10. We evaluated CASH against 383 industry peers in the Banks industry. CASH has an average financial health and profitability rating. CASH has a correct valuation and a medium growth rate.
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.
- 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.
1.2 Ratios
- The Return On Assets of CASH (2.60%) is better than 98.96% of its industry peers.
- With an excellent Return On Equity value of 21.75%, CASH belongs to the best of the industry, outperforming 98.96% of the companies in the same industry.
| 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's Profit Margin of 22.47% is in line compared to the rest of the industry. CASH outperforms 41.51% of its industry peers.
- In the last couple of years the Profit Margin of CASH has remained more or less at the same level.
- 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.
- Compared to 1 year ago, CASH has less shares outstanding
- 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
- 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 has a Debt to FCF ratio of 0.18. This is amongst the best in the industry. CASH outperforms 86.68% of its industry peers.
- A Debt/Equity ratio of 0.05 indicates that CASH is not too dependend on debt financing.
- CASH has a better Debt to Equity ratio (0.05) than 80.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.41%
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 28.27%, which is quite impressive.
- The Earnings Per Share has been growing by 23.68% on average over the past years. This is a very strong growth
- CASH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.54%.
- 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
- The Earnings Per Share is expected to grow by 6.74% on average over the next years.
- The Revenue is expected to grow by 2.55% on average over the next years.
EPS Next Y2.05%
EPS Next 2Y6.74%
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
- 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 9.79, the valuation of CASH can be described as very reasonable.
- Based on the Price/Earnings ratio, CASH is valued cheaper than 84.60% of the companies in the same industry.
- CASH is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 8.90, the valuation of CASH can be described as reasonable.
- Based on the Price/Forward Earnings ratio, CASH is valued a bit cheaper than 79.11% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of CASH to the average of the S&P500 Index (25.98), we can say CASH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.79 | ||
| Fwd PE | 8.9 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CASH is valued cheaper than 80.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.09 | ||
| 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)4.78
PEG (5Y)0.41
EPS Next 2Y6.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a yearly dividend of 0.23%, CASH is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.61, CASH's dividend is way lower than its industry peers. On top of this 86.95% of the companies listed in the same industry pay a better dividend than CASH!
- Compared to an average S&P500 Dividend Yield of 1.81, CASH's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.23% |
5.2 History
- The dividend of CASH has a limited annual growth rate of 0.01%.
- CASH has been paying a dividend for at least 10 years, so it has 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.
- The dividend of CASH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP2.51%
EPS Next 2Y6.74%
EPS Next 3YN/A
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%.