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PATHWARD FINANCIAL INC (CASH) Stock Fundamental Analysis

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

79.11  -0.97 (-1.21%)

After market: 79.11 0 (0%)

Fundamental Rating

4

Taking everything into account, CASH scores 4 out of 10 in our fundamental rating. CASH was compared to 405 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 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.
In the past year CASH had a positive cash flow from operations.
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.
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

The Return On Assets of CASH (2.57%) is better than 98.74% of its industry peers.
Looking at the Return On Equity, with a value of 23.13%, CASH belongs to the top of the industry, outperforming 98.74% of the companies in the same industry.
Industry RankSector 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
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

CASH has a Profit Margin of 21.17%. This is comparable to the rest of the industry: CASH outperforms 43.72% of 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 RankSector 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
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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3

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.
CASH has less shares outstanding than it did 5 years ago.
CASH has a worse debt/assets ratio than last year.
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 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.
The Debt to FCF ratio of CASH (2.32) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.49 indicates that CASH is not too dependend on debt financing.
The Debt to Equity ratio of CASH (0.49) is worse than 75.88% of its industry peers.
Although CASH does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.32
Altman-Z N/A
ROIC/WACCN/A
WACC9.07%
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

CASH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.15%, which is quite good.
The Earnings Per Share has been growing by 19.24% on average over the past years. This is quite good.
Looking at the last year, CASH shows a very strong growth in Revenue. 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.
The Revenue is expected to grow by 4.68% on average over the next years.
EPS Next Y14.68%
EPS Next 2Y13.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.27%
Revenue Next 2Y4.68%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

With a Price/Earnings ratio of 11.58, the valuation of CASH can be described as very reasonable.
CASH's Price/Earnings ratio is a bit cheaper when compared to the industry. CASH is cheaper than 67.34% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.28. CASH is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.19, which indicates a very decent valuation of CASH.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CASH indicates a rather cheap valuation: CASH is cheaper than 82.91% of the companies listed in the same industry.
CASH is valuated cheaply when we compare the Price/Forward Earnings ratio to 91.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.58
Fwd PE 9.19
CASH Price Earnings VS Forward Price EarningsCASH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CASH is valued a bit cheaper than 63.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.79
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

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 13.94% in the coming years.
PEG (NY)0.79
PEG (5Y)0.6
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 0.25%, which is pretty low.
Compared to an average industry Dividend Yield of 3.17, CASH's dividend is way lower than its industry peers. On top of this 87.19% of the companies listed in the same industry pay a better dividend than CASH!
With a Dividend Yield of 0.25, CASH pays less dividend than the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 0.25%

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 0.05 0.1 0.15 0.2

5.3 Sustainability

2.61% of the earnings are spent on dividend by CASH. This is a low number and sustainable payout ratio.
DP2.61%
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 (1/29/2025, 8:08:45 PM)

After market: 79.11 0 (0%)

79.11

-0.97 (-1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/amc
Earnings (Next)N/A N/A
Inst Owners92.07%
Inst Owner Change16.86%
Ins Owners1.08%
Ins Owner Change3.46%
Market Cap1.91B
Analysts77.78
Price Target90.27 (14.11%)
Short Float %7.71%
Short Ratio8.8
Dividend
Industry RankSector Rank
Dividend Yield 0.25%
Yearly Dividend0.2
Dividend Growth(5Y)-0.4%
DP2.61%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)8.86%
PT rev (3m)17.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.14%
EPS NY rev (1m)0%
EPS NY rev (3m)3.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.04%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)1.69%
Valuation
Industry RankSector Rank
PE 11.58
Fwd PE 9.19
P/S 2.08
P/FCF 10.79
P/OCF 4.21
P/B 2.27
P/tB 3.71
EV/EBITDA N/A
EPS(TTM)6.83
EY8.63%
EPS(NY)8.61
Fwd EY10.88%
FCF(TTM)7.33
FCFY9.26%
OCF(TTM)18.8
OCFY23.77%
SpS38.04
BVpS34.82
TBVpS21.3
PEG (NY)0.79
PEG (5Y)0.6
Profitability
Industry RankSector 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 RankSector 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
WACC9.07%
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 Year4.27%
Revenue Next 2Y4.68%
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%