75.41 USD
+1.39 (+1.88%)
75.41 USD
0 (0%)
Taking everything into account, CASH scores 5 out of 10 in our fundamental rating. CASH was compared to 385 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 decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years CASH had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 2.60%, CASH belongs to the best of the industry, outperforming 99.22% of the companies in the same industry.
CASH has a Return On Equity of 21.75%. This is amongst the best in the industry. CASH outperforms 99.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 21.75% | ||
| ROIC | N/A |
ROA(3y)2.29%
ROA(5y)2.24%
ROE(3y)21.77%
ROE(5y)21.02%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 22.47%, CASH perfoms like the industry average, outperforming 41.82% of the companies in the same industry.
In the last couple of years the Profit Margin of CASH has remained more or less at the same level.
CASH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.47% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.84%
PM growth 5Y1.46%
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.
CASH has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CASH has been reduced compared to a year ago.
2.2 Solvency
CASH has a debt to FCF ratio of 0.18. This is a very positive value and a sign of high solvency as it would only need 0.18 years to pay back of all of its debts.
CASH's Debt to FCF ratio of 0.18 is amongst the best of the industry. CASH outperforms 86.23% of its industry peers.
CASH has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
CASH has a better Debt to Equity ratio (0.05) than 80.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 27.47% over the past year.
Measured over the past years, CASH shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.68% on average per year.
CASH shows a decrease in Revenue. In the last year, the revenue decreased by -9.45%.
Measured over the past years, CASH shows a quite strong growth in Revenue. The Revenue has been growing by 10.98% on average per year.
EPS 1Y (TTM)27.47%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%32.59%
Revenue 1Y (TTM)-9.45%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%11.18%
3.2 Future
CASH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.74% yearly.
Based on estimates for the next years, CASH will show a small growth in Revenue. The Revenue will grow by 3.53% on average per year.
EPS Next Y2.05%
EPS Next 2Y6.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.33%
Revenue Next 2Y3.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.92 indicates a reasonable valuation of CASH.
Compared to the rest of the industry, the Price/Earnings ratio of CASH indicates a rather cheap valuation: CASH is cheaper than 93.25% of the companies listed in the same industry.
CASH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.38.
With a Price/Forward Earnings ratio of 8.74, 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 rather cheap valuation: CASH is cheaper than 85.71% of the companies listed in the same industry.
CASH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.92 | ||
| Fwd PE | 8.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CASH indicates a rather cheap valuation: CASH is cheaper than 87.01% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CASH does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.36
PEG (5Y)0.38
EPS Next 2Y6.74%
EPS Next 3YN/A
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 2.70, CASH's dividend is way lower than its industry peers. On top of this 87.53% of the companies listed in the same industry pay a better dividend than CASH!
Compared to an average S&P500 Dividend Yield of 1.87, 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 has a limited annual growth rate of 0.01%.
CASH has been paying a dividend for at least 10 years, so it has a reliable track record.
CASH has decreased its dividend recently.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
CASH pays out 2.51% 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.
DP2.51%
EPS Next 2Y6.74%
EPS Next 3YN/A
75.41
+1.39 (+1.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.19%
Inst Owner Change30.07%
Ins Owners1.54%
Ins Owner Change4.92%
Market Cap1.68B
Revenue(TTM)830.78M
Net Income(TTM)186.65M
Analysts45.71
Price Target89.76 (19.03%)
Short Float %7.18%
Short Ratio7.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
Yearly Dividend0.2
Dividend Growth(5Y)0.01%
DP2.51%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.93%
Min EPS beat(2)9.25%
Max EPS beat(2)28.61%
EPS beat(4)4
Avg EPS beat(4)16.36%
Min EPS beat(4)0.7%
Max EPS beat(4)28.61%
EPS beat(8)7
Avg EPS beat(8)8.09%
EPS beat(12)10
Avg EPS beat(12)8.06%
EPS beat(16)12
Avg EPS beat(16)5.85%
Revenue beat(2)1
Avg Revenue beat(2)0.15%
Min Revenue beat(2)-3.41%
Max Revenue beat(2)3.71%
Revenue beat(4)1
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-3.41%
Max Revenue beat(4)3.71%
Revenue beat(8)2
Avg Revenue beat(8)-0.95%
Revenue beat(12)5
Avg Revenue beat(12)0.44%
Revenue beat(16)6
Avg Revenue beat(16)1.89%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-10.1%
EPS NQ rev (3m)-9.21%
EPS NY rev (1m)-1.17%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.92 | ||
| Fwd PE | 8.74 | ||
| P/S | 2.03 | ||
| P/FCF | 7.12 | ||
| P/OCF | 3.74 | ||
| P/B | 1.96 | ||
| P/tB | 3.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.45
EY11.21%
EPS(NY)8.62
Fwd EY11.44%
FCF(TTM)10.59
FCFY14.04%
OCF(TTM)20.17
OCFY26.75%
SpS37.19
BVpS38.41
TBVpS24.51
PEG (NY)4.36
PEG (5Y)0.38
Graham Number85.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 21.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.47% | ||
| GM | N/A | ||
| FCFM | 28.48% |
ROA(3y)2.29%
ROA(5y)2.24%
ROE(3y)21.77%
ROE(5y)21.02%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.84%
PM growth 5Y1.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 358.35% | ||
| Cap/Sales | 25.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 126.76% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.25%
ROIC/WACCN/A
Cap/Depr(3y)510.03%
Cap/Depr(5y)470.21%
Cap/Sales(3y)40.67%
Cap/Sales(5y)41.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.47%
EPS 3Y26.75%
EPS 5Y23.68%
EPS Q2Q%32.59%
EPS Next Y2.05%
EPS Next 2Y6.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.45%
Revenue growth 3Y11.8%
Revenue growth 5Y10.98%
Sales Q2Q%11.18%
Revenue Next Year2.33%
Revenue Next 2Y3.53%
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 1Y11.57%
FCF growth 3YN/A
FCF growth 5Y-10.03%
OCF growth 1Y-7.81%
OCF growth 3Y18.79%
OCF growth 5Y-0.72%
PATHWARD FINANCIAL INC / CASH FAQ
What is the ChartMill fundamental rating of PATHWARD FINANCIAL INC (CASH) stock?
ChartMill assigns a fundamental rating of 5 / 10 to CASH.
What is the valuation status for CASH stock?
ChartMill assigns a valuation rating of 6 / 10 to PATHWARD FINANCIAL INC (CASH). This can be considered as Fairly Valued.
How profitable is PATHWARD FINANCIAL INC (CASH) stock?
PATHWARD FINANCIAL INC (CASH) has a profitability rating of 4 / 10.
What are the PE and PB ratios of PATHWARD FINANCIAL INC (CASH) stock?
The Price/Earnings (PE) ratio for PATHWARD FINANCIAL INC (CASH) is 8.92 and the Price/Book (PB) ratio is 1.96.
How financially healthy is PATHWARD FINANCIAL INC?
The financial health rating of PATHWARD FINANCIAL INC (CASH) is 5 / 10.