PATHWARD FINANCIAL INC (CASH)
US59100U1088 - Common Stock
Overall CASH gets a fundamental rating of 4 out of 10. We evaluated CASH against 407 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.
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.
CASH had positive earnings in each of the past 5 years.
Each year in the past 5 years CASH had a positive operating cash flow.
1.2 Ratios
CASH's Return On Assets of 2.57% is amongst the best of the industry. CASH outperforms 98.77% of its industry peers.
With an excellent Return On Equity value of 23.13%, CASH belongs to the best of the industry, outperforming 98.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.57% | ||
| ROE | 23.13% | ||
| 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 (21.17%) which is in line with its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.17% | ||
| 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
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
The debt/assets ratio for CASH is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CASH is 2.32, which is a good value as it means it would take CASH, 2.32 years of fcf income to pay off all of its debts.
CASH has a Debt to FCF ratio (2.32) which is in line with its industry peers.
A Debt/Equity ratio of 0.49 indicates that CASH is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.49, CASH is doing worse than 75.06% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for CASH, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 2.32 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.04%
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 10.32%, which is quite good.
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.
Looking at the last year, CASH shows a very strong growth in Revenue. The Revenue has grown by 30.24%.
The Revenue has been growing by 9.17% on average over the past years. This is quite good.
EPS 1Y (TTM)10.32%
EPS 3Y14.73%
EPS 5Y19.24%
EPS Q2Q%-0.74%
Revenue 1Y (TTM)30.24%
Revenue growth 3Y11.13%
Revenue growth 5Y9.17%
Sales Q2Q%4.32%
3.2 Future
Based on estimates for the next years, CASH will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.00% on average per year.
CASH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.60% yearly.
EPS Next Y13.23%
EPS Next 2Y13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.16%
Revenue Next 2Y4.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.10, the valuation of CASH can be described as reasonable.
Based on the Price/Earnings ratio, CASH is valued a bit cheaper than the industry average as 74.57% of the companies are valued more expensively.
CASH is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.81, the valuation of CASH can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CASH indicates a somewhat cheap valuation: CASH is cheaper than 77.53% of the companies listed in the same industry.
CASH is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.1 | ||
| Fwd PE | 9.81 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CASH is valued a bit cheaper than 70.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.04 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 13.00% in the coming years.
PEG (NY)0.84
PEG (5Y)0.58
EPS Next 2Y13%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.27%, CASH is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.21, CASH's dividend is way lower than its industry peers. On top of this 87.41% 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 | 0.27% |
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
5.3 Sustainability
CASH pays out 2.61% of its income as dividend. This is a sustainable payout ratio.
DP2.61%
EPS Next 2Y13%
EPS Next 3YN/A
PATHWARD FINANCIAL INC
NASDAQ:CASH (12/20/2024, 8:00:02 PM)
After market: 73.62 0 (0%)73.62
-0.46 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.07%
Inst Owner Change-0.72%
Ins Owners1.08%
Ins Owner Change3.46%
Market Cap1.78B
Analysts77.78
Price Target80.58 (9.45%)
Short Float %7.34%
Short Ratio8.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
Dividend Growth(5Y)-0.4%
DP2.61%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.23%
Min EPS beat(2)3.45%
Max EPS beat(2)5%
EPS beat(4)3
Avg EPS beat(4)-0.18%
Min EPS beat(4)-16.1%
Max EPS beat(4)6.94%
EPS beat(8)6
Avg EPS beat(8)3.91%
EPS beat(12)8
Avg EPS beat(12)2.34%
EPS beat(16)11
Avg EPS beat(16)6.13%
Revenue beat(2)0
Avg Revenue beat(2)-1.64%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)-1.37%
Revenue beat(4)1
Avg Revenue beat(4)-1.65%
Min Revenue beat(4)-4.12%
Max Revenue beat(4)0.81%
Revenue beat(8)4
Avg Revenue beat(8)0.78%
Revenue beat(12)5
Avg Revenue beat(12)2.6%
Revenue beat(16)8
Avg Revenue beat(16)2.51%
PT rev (1m)7.48%
PT rev (3m)11.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.87%
EPS NY rev (1m)0%
EPS NY rev (3m)3.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.1 | ||
| Fwd PE | 9.81 | ||
| P/S | 1.94 | ||
| P/FCF | 10.04 | ||
| P/OCF | 3.92 | ||
| P/B | 2.11 | ||
| P/tB | 3.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.63
EY9.01%
EPS(NY)7.51
Fwd EY10.2%
FCF(TTM)7.33
FCFY9.96%
OCF(TTM)18.8
OCFY25.54%
SpS38.04
BVpS34.82
TBVpS21.3
PEG (NY)0.84
PEG (5Y)0.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.57% | ||
| ROE | 23.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.17% | ||
| GM | N/A | ||
| FCFM | 19.27% |
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-Score8
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 2.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 479.1% | ||
| Cap/Sales | 30.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 91.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC9.04%
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)10.32%
EPS 3Y14.73%
EPS 5Y19.24%
EPS Q2Q%-0.74%
EPS Next Y13.23%
EPS Next 2Y13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.24%
Revenue growth 3Y11.13%
Revenue growth 5Y9.17%
Sales Q2Q%4.32%
Revenue Next Year4.16%
Revenue Next 2Y4.6%
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 1Y220.43%
FCF growth 3Y-30.1%
FCF growth 5Y40.23%
OCF growth 1Y49.63%
OCF growth 3Y-7.96%
OCF growth 5Y18.88%