CASH Fundamental Analysis - PATHWARD FINANCIAL INC

Fundamental Rating

CASH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. CASH has a medium profitability rating, but doesn't score so well on its financial health evaluation. CASH is valued correctly, but it does not seem to be growing.

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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.

Of the past 5 years CASH 4 years were profitable.

CASH had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 2.51%, CASH belongs to the top of the industry, outperforming 98.98% of the companies in the same industry.

With an excellent Return On Equity value of 22.13%, CASH belongs to the best of the industry, outperforming 99.23% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.51%
ROE	22.13%
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

1.3 Margins

CASH has a Profit Margin (22.32%) which is in line with its industry peers.

CASH's Profit Margin has improved in the last couple of years.

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)	22.32%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CASH does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for CASH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

The Debt to FCF ratio of CASH is 1.33, which is an excellent value as it means it would take CASH, only 1.33 years of fcf income to pay off all of its debts.

CASH has a better Debt to FCF ratio (1.33) than 61.64% of its industry peers.

CASH has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of CASH (0.18) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.33
Altman-Z	N/A

ROIC/WACCN/A

WACC8.57%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.96%, which is quite impressive.

The Earnings Per Share has been growing by 23.39% on average over the past years. This is a very strong growth

EPS 1Y (TTM)25.96%

EPS 3Y26.25%

EPS 5Y23.39%

EPS Q2Q%25.19%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%11.18%

3.2 Future

The Earnings Per Share is expected to grow by 7.42% on average over the next years.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y4.72%

EPS Next 2Y7.42%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.11%

Revenue Next 2YN/A

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.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

CASH is valuated reasonably with a Price/Earnings ratio of 8.59.

89.00% of the companies in the same industry are more expensive than CASH, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of CASH to the average of the S&P500 Index (27.77), we can say CASH is valued rather cheaply.

The Price/Forward Earnings ratio is 8.20, which indicates a very decent valuation of CASH.

76.98% of the companies in the same industry are more expensive than CASH, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of CASH to the average of the S&P500 Index (23.23), we can say CASH is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.59
Fwd PE	8.2

4.2 Price Multiples

CASH's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	14.68
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)1.82

PEG (5Y)0.37

EPS Next 2Y7.42%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.28%, CASH is not a good candidate for dividend investing.

With a Dividend Yield of 0.28, CASH pays less dividend than the industry average, which is at 3.60. 86.96% of the companies listed in the same industry pay a better dividend than CASH!

Compared to an average S&P500 Dividend Yield of 2.36, CASH's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.28%

5.2 History

The dividend of CASH decreases each year by -0.40%.

CASH has paid a dividend for at least 10 years, which is a reliable track record.

CASH has decreased its dividend recently.

Dividend Growth(5Y)-0.4%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

CASH pays out 2.64% of its income as dividend. This is a sustainable payout ratio.

DP2.64%

EPS Next 2Y7.42%

EPS Next 3YN/A

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PATHWARD FINANCIAL INC

NASDAQ:CASH (10/21/2025, 8:02:06 PM)

Premarket: 72.99 +1.24 (+1.73%)

71.75

-0.23 (-0.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-21 2025-10-21/amc

Earnings (Next)01-19 2026-01-19

Inst Owners94.79%

Inst Owner Change0.35%

Ins Owners1.35%

Ins Owner Change-3.69%

Market Cap1.63B

Revenue(TTM)N/A

Net Income(TTM)181.22M

Analysts45.71

Price Target89.76 (25.1%)

Short Float %5.82%

Short Ratio7.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.28%

Yearly Dividend0.2

Dividend Growth(5Y)-0.4%

DP2.64%

Div Incr Years0

Div Non Decr Years1

Ex-Date09-10 2025-09-10 (0.05)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)18.07%

Min EPS beat(2)9.25%

Max EPS beat(2)26.88%

EPS beat(4)4

Avg EPS beat(4)10.07%

Min EPS beat(4)0.7%

Max EPS beat(4)26.88%

EPS beat(8)7

Avg EPS beat(8)5.35%

EPS beat(12)10

Avg EPS beat(12)6.6%

EPS beat(16)11

Avg EPS beat(16)1.61%

Revenue beat(2)1

Avg Revenue beat(2)1.59%

Min Revenue beat(2)-0.54%

Max Revenue beat(2)3.71%

Revenue beat(4)1

Avg Revenue beat(4)0.27%

Min Revenue beat(4)-1.37%

Max Revenue beat(4)3.71%

Revenue beat(8)3

Avg Revenue beat(8)-0.34%

Revenue beat(12)5

Avg Revenue beat(12)0.62%

Revenue beat(16)7

Avg Revenue beat(16)2.17%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)-0.33%

EPS NQ rev (3m)-3.57%

EPS NY rev (1m)0%

EPS NY rev (3m)6.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)6.52%

Revenue NY rev (1m)0%

Revenue NY rev (3m)4.22%

Valuation

		Industry Rank	Sector Rank
PE	8.59
Fwd PE	8.2
P/S	2.01
P/FCF	14.68
P/OCF	5.79
P/B	1.99
P/tB	3.22
EV/EBITDA	N/A

EPS(TTM)8.35

EY11.64%

EPS(NY)8.75

Fwd EY12.19%

FCF(TTM)4.89

FCFY6.81%

OCF(TTM)12.38

OCFY17.26%

SpS35.66

BVpS35.97

TBVpS22.3

PEG (NY)1.82

PEG (5Y)0.37

Graham Number82.2

Profitability

		Industry Rank	Sector Rank
ROA	2.51%
ROE	22.13%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.32%
GM	N/A
FCFM	13.71%

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

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-4.37%

PM growth 5Y2.6%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.33
Debt/EBITDA	N/A
Cap/Depr	287.5%
Cap/Sales	21.02%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	61.43%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.57%

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)25.96%

EPS 3Y26.25%

EPS 5Y23.39%

EPS Q2Q%25.19%

EPS Next Y4.72%

EPS Next 2Y7.42%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%11.18%

Revenue Next Year5.11%

Revenue Next 2YN/A

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 1Y130.19%

FCF growth 3Y-30.1%

FCF growth 5Y40.23%

OCF growth 1Y65.48%

OCF growth 3Y-7.96%

OCF growth 5Y18.88%

PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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