|

PATHWARD FINANCIAL INC (CASH)

US59100U1088 - Common Stock

52.41  -0.07 (-0.13%)

After market: 52.41 0 (0%)

Fundamental Rating

3

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.



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.
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 RankSector 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 RankSector 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

1

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 RankSector Rank
Debt/Equity 0.39
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.82%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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 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

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 RankSector Rank
PE 9.6
Fwd PE 8.05

4.2 Price Multiples

Industry RankSector 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

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 RankSector 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 RankSector 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)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
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 RankSector 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 RankSector 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 RankSector 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