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PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

NASDAQ:CASH - Nasdaq - US59100U1088 - Common Stock - Currency: USD

72.23  -0.53 (-0.73%)

After market: 72.23 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to CASH. CASH was compared to 402 industry peers in the Banks industry. CASH has an average financial health and profitability rating. CASH is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

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.
CASH Yearly Net Income VS EBIT VS OCF VS FCFCASH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M

1.2 Ratios

CASH's Return On Assets of 2.60% is amongst the best of the industry. CASH outperforms 98.27% of its industry peers.
With an excellent Return On Equity value of 25.49%, CASH belongs to the best of the industry, outperforming 99.01% of the companies in the same industry.
Industry RankSector Rank
ROA 2.6%
ROE 25.49%
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
CASH Yearly ROA, ROE, ROICCASH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

With a Profit Margin value of 21.34%, CASH perfoms like the industry average, outperforming 44.06% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 21.34%
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
CASH Yearly Profit, Operating, Gross MarginsCASH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

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.
Compared to 1 year ago, CASH has a worse debt to assets ratio.
CASH Yearly Shares OutstandingCASH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CASH Yearly Total Debt VS Total AssetsCASH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of CASH is 0.25, which is an excellent value as it means it would take CASH, only 0.25 years of fcf income to pay off all of its debts.
CASH's Debt to FCF ratio of 0.25 is amongst the best of the industry. CASH outperforms 87.13% of its industry peers.
CASH has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.04, CASH belongs to the top of the industry, outperforming 83.66% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.25
Altman-Z N/A
ROIC/WACCN/A
WACC8.86%
CASH Yearly LT Debt VS Equity VS FCFCASH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CASH Yearly Current Assets VS Current LiabilitesCASH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.15% over the past year.
Measured over the past years, CASH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.24% on average per year.
CASH shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.39%.
CASH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.17% yearly.
EPS 1Y (TTM)12.15%
EPS 3Y14.73%
EPS 5Y19.24%
EPS Q2Q%18.87%
Revenue 1Y (TTM)29.39%
Revenue growth 3Y11.13%
Revenue growth 5Y9.17%
Sales Q2Q%6.58%

3.2 Future

The Earnings Per Share is expected to grow by 13.94% on average over the next years. This is quite good.
CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.19% yearly.
EPS Next Y14.68%
EPS Next 2Y13.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.66%
Revenue Next 2Y5.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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.
CASH Yearly Revenue VS EstimatesCASH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
CASH Yearly EPS VS EstimatesCASH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.58, which indicates a very decent valuation of CASH.
Based on the Price/Earnings ratio, CASH is valued a bit cheaper than the industry average as 72.52% of the companies are valued more expensively.
CASH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
A Price/Forward Earnings ratio of 8.39 indicates a reasonable valuation of CASH.
Based on the Price/Forward Earnings ratio, CASH is valued cheaper than 85.89% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, CASH is valued rather cheaply.
Industry RankSector Rank
PE 10.58
Fwd PE 8.39
CASH Price Earnings VS Forward Price EarningsCASH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CASH's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.15
EV/EBITDA N/A
CASH Per share dataCASH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

CASH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CASH's earnings are expected to grow with 13.94% in the coming years.
PEG (NY)0.72
PEG (5Y)0.55
EPS Next 2Y13.94%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

CASH has a yearly dividend return of 0.27%, which is pretty low.
Compared to an average industry Dividend Yield of 3.37, CASH's dividend is way lower than its industry peers. On top of this 87.38% of the companies listed in the same industry pay a better dividend than CASH!
With a Dividend Yield of 0.27, CASH pays less dividend than the S&P500 average, which is at 2.33.
Industry RankSector Rank
Dividend Yield 0.27%

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.
Dividend Growth(5Y)-0.4%
Div Incr Years0
Div Non Decr Years0
CASH Yearly Dividends per shareCASH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

CASH pays out 2.51% of its income as dividend. This is a sustainable payout ratio.
DP2.51%
EPS Next 2Y13.94%
EPS Next 3YN/A
CASH Yearly Income VS Free CF VS DividendCASH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M
CASH Dividend Payout.CASH Dividend Payout, showing the Payout Ratio.CASH Dividend Payout.PayoutRetained Earnings

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PATHWARD FINANCIAL INC

NASDAQ:CASH (3/7/2025, 8:09:39 PM)

After market: 72.23 0 (0%)

72.23

-0.53 (-0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/amc
Earnings (Next)04-22 2025-04-22/amc
Inst Owners112.23%
Inst Owner Change241.84%
Ins Owners1.28%
Ins Owner Change5.53%
Market Cap1.72B
Analysts77.78
Price Target90.27 (24.98%)
Short Float %7.83%
Short Ratio9.26
Dividend
Industry RankSector Rank
Dividend Yield 0.27%
Yearly Dividend0.2
Dividend Growth(5Y)-0.4%
DP2.51%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13 2025-03-13 (0.05)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.08%
Min EPS beat(2)0.7%
Max EPS beat(2)3.45%
EPS beat(4)4
Avg EPS beat(4)4.02%
Min EPS beat(4)0.7%
Max EPS beat(4)6.94%
EPS beat(8)6
Avg EPS beat(8)1.57%
EPS beat(12)9
Avg EPS beat(12)3.1%
EPS beat(16)11
Avg EPS beat(16)2.33%
Revenue beat(2)0
Avg Revenue beat(2)-1.05%
Min Revenue beat(2)-1.37%
Max Revenue beat(2)-0.73%
Revenue beat(4)1
Avg Revenue beat(4)-0.8%
Min Revenue beat(4)-1.91%
Max Revenue beat(4)0.81%
Revenue beat(8)3
Avg Revenue beat(8)-0.24%
Revenue beat(12)4
Avg Revenue beat(12)-0.52%
Revenue beat(16)7
Avg Revenue beat(16)2.29%
PT rev (1m)0%
PT rev (3m)12.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.59%
EPS NY rev (1m)0%
EPS NY rev (3m)1.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.48%
Valuation
Industry RankSector Rank
PE 10.58
Fwd PE 8.39
P/S 1.86
P/FCF 13.15
P/OCF 4.86
P/B 2.22
P/tB 3.71
EV/EBITDA N/A
EPS(TTM)6.83
EY9.46%
EPS(NY)8.61
Fwd EY11.92%
FCF(TTM)5.49
FCFY7.6%
OCF(TTM)14.86
OCFY20.58%
SpS38.92
BVpS32.59
TBVpS19.46
PEG (NY)0.72
PEG (5Y)0.55
Profitability
Industry RankSector Rank
ROA 2.6%
ROE 25.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.34%
GM N/A
FCFM 14.11%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.25
Debt/EBITDA N/A
Cap/Depr 385.4%
Cap/Sales 24.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.86%
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)12.15%
EPS 3Y14.73%
EPS 5Y19.24%
EPS Q2Q%18.87%
EPS Next Y14.68%
EPS Next 2Y13.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.39%
Revenue growth 3Y11.13%
Revenue growth 5Y9.17%
Sales Q2Q%6.58%
Revenue Next Year4.66%
Revenue Next 2Y5.19%
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 1Y138.11%
FCF growth 3Y-30.1%
FCF growth 5Y40.23%
OCF growth 1Y130.03%
OCF growth 3Y-7.96%
OCF growth 5Y18.88%