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.

In the past year **CASH** was profitable.

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

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.

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

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

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.39 | ||

Debt/FCF | N/A | ||

Altman-Z | N/A |

ROIC/WACCN/A

WACC8.82%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

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%

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.

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

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.

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.

With a **Price/Forward Earnings** ratio of **8.05**, the valuation of **CASH** can be described as very reasonable.

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 |

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | N/A | ||

EV/EBITDA | N/A |

PEG (NY)1.15

PEG (5Y)0.48

EPS Next 2Y6.22%

EPS Next 3YN/A

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% |

The dividend of **CASH** has a limited annual growth rate of **2.06%**.

Dividend Growth(5Y)2.06%

Div Incr Years1

Div Non Decr Years19

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)

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 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