PATHWARD FINANCIAL INC (CASH)
US59100U1088 - Common Stock
CASH gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. Both the profitability and the financial health of CASH get a neutral evaluation. Nothing too spectacular is happening here. CASH has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CASH had positive earnings in the past year.
In the past year CASH had a positive cash flow from operations.
In the past 5 years CASH has always been profitable.
Of the past 5 years CASH 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 3.83%, CASH belongs to the best of the industry, outperforming 99.50% of the companies in the same industry.
CASH has a Return On Equity of 37.68%. This is amongst the best in the industry. CASH outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.83% | ||
| ROE | 37.68% | ||
| 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 (21.85%) which is in line with its industry peers.
In the last couple of years the Profit Margin of CASH has grown nicely.
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) | 21.85% | ||
| 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.
CASH has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CASH has been reduced compared to 5 years ago.
The debt/assets ratio for CASH is higher compared to a year ago.
2.2 Solvency
CASH has a debt to FCF ratio of 0.25. This is a very positive value and a sign of high solvency as it would only need 0.25 years to pay back of all of its debts.
The Debt to FCF ratio of CASH (0.25) is better than 88.03% 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.
The Debt to Equity ratio of CASH (0.04) is better than 84.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.33%
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.
CASH shows a strong growth in Revenue. In the last year, the Revenue has grown by 88.44%.
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)10.32%
EPS 3Y14.73%
EPS 5Y19.24%
EPS Q2Q%-0.74%
Revenue 1Y (TTM)88.44%
Revenue growth 3Y11.13%
Revenue growth 5Y9.17%
Sales Q2Q%4.32%
3.2 Future
CASH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.00% yearly.
Based on estimates for the next years, CASH will show a small growth in Revenue. The Revenue will grow by 4.60% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.18, which indicates a correct valuation of CASH.
Based on the Price/Earnings ratio, CASH is valued a bit cheaper than 70.57% of the companies in the same industry.
CASH is valuated cheaply when we compare the Price/Earnings ratio to 28.96, which is the current average of the S&P500 Index.
CASH is valuated reasonably with a Price/Forward Earnings ratio of 10.76.
Based on the Price/Forward Earnings ratio, CASH is valued a bit cheaper than the industry average as 73.32% of the companies are valued more expensively.
CASH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.18 | ||
| Fwd PE | 10.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CASH is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.99 | ||
| 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)0.92
PEG (5Y)0.63
EPS Next 2Y13%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.25%, CASH is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.02, CASH's dividend is way lower than its industry peers. On top of this 88.03% of the companies listed in the same industry pay a better dividend than CASH!
Compared to an average S&P500 Dividend Yield of 2.23, CASH's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.25% |
5.2 History
The dividend of CASH has a limited annual growth rate of 2.30%.
CASH has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
CASH pays out 1.78% 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.
DP1.78%
EPS Next 2Y13%
EPS Next 3YN/A
PATHWARD FINANCIAL INC
NASDAQ:CASH (11/21/2024, 8:17:15 PM)
After market: 80.78 0 (0%)80.78
+1.26 (+1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.01B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.25% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(8)
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Revenue beat(16)
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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 | 12.18 | ||
| Fwd PE | 10.76 | ||
| 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)0.92
PEG (5Y)0.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.83% | ||
| ROE | 37.68% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 21.85% | ||
| 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 Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)10.32%
EPS 3Y14.73%
EPS 5Y
EPS Q2Q%
EPS Next Y13.23%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)88.44%
Revenue growth 3Y11.13%
Revenue growth 5Y
Sales 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