Pathward Financial Statistics

Total Valuation

CASH has a market cap or net worth of $1.78 billion. The enterprise value is $2.06 billion.

Market Cap	1.78B
Enterprise Value	2.06B

Important Dates

The next estimated earnings date is Wednesday, January 22, 2025, after market close.

Earnings Date	Jan 22, 2025
Ex-Dividend Date	Dec 10, 2024

Share Statistics

CASH has 24.12 million shares outstanding. The number of shares has decreased by -6.40% in one year.

Current Share Class	24.12M
Shares Outstanding	24.12M
Shares Change (YoY)	-6.40%
Shares Change (QoQ)	-1.06%
Owned by Insiders (%)	1.54%
Owned by Institutions (%)	94.78%
Float	23.74M

Valuation Ratios

The trailing PE ratio is 11.15 and the forward PE ratio is 10.02.

PE Ratio	11.15
Forward PE	10.02
PS Ratio	2.61
Forward PS	2.25
PB Ratio	2.18
P/TBV Ratio	3.46
P/FCF Ratio	10.07
P/OCF Ratio	3.92
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	12.33
EV / Sales	2.89
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	11.64

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.47
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 22.77%.

Return on Equity (ROE)	22.77%
Return on Assets (ROA)	2.25%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$571,580
Profits Per Employee	$134,096
Employee Count	1,244
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CASH has paid $29.14 million in taxes.

Income Tax	29.14M
Effective Tax Rate	14.66%

Stock Price Statistics

The stock price has increased by +40.43% in the last 52 weeks. The beta is 0.70, so CASH's price volatility has been lower than the market average.

Beta (5Y)	0.70
52-Week Price Change	+40.43%
50-Day Moving Average	77.91
200-Day Moving Average	64.00
Relative Strength Index (RSI)	38.09
Average Volume (20 Days)	217,736

Short Selling Information

The latest short interest is 1.84 million, so 7.61% of the outstanding shares have been sold short.

Short Interest	1.84M
Short Previous Month	1.74M
Short % of Shares Out	7.61%
Short % of Float	7.74%
Short Ratio (days to cover)	10.40

Income Statement

In the last 12 months, CASH had revenue of $711.05 million and earned $166.82 million in profits. Earnings per share was $6.62.

Revenue	711.05M
Gross Profit	711.05M
Operating Income	204.94M
Pretax Income	194.08M
Net Income	166.82M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.62

Full Income Statement

Balance Sheet

The company has $158.34 million in cash and $436.38 million in debt, giving a net cash position of -$278.04 million or -$11.53 per share.

Cash & Cash Equivalents	158.34M
Total Debt	436.38M
Net Cash	-278.04M
Net Cash Per Share	-$11.53
Equity (Book Value)	839.61M
Book Value Per Share	33.80
Working Capital	-5.77B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $453.54 million and capital expenditures -$276.75 million, giving a free cash flow of $176.78 million.

Operating Cash Flow	453.54M
Capital Expenditures	-276.75M
Free Cash Flow	176.78M
FCF Per Share	$7.33

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	28.82%
Pretax Margin	27.96%
Profit Margin	23.68%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	24.86%

Dividends & Yields

This stock pays an annual dividend of $0.20, which amounts to a dividend yield of 0.27%.

Dividend Per Share	$0.20
Dividend Yield	0.27%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	3.02%
Buyback Yield	6.40%
Shareholder Yield	6.67%
Earnings Yield	9.37%
FCF Yield	9.93%

Dividend Details

Analyst Forecast

The average price target for CASH is $80.67, which is 9.34% higher than the current price. The consensus rating is "Hold".

Price Target	$80.67
Price Target Difference	9.34%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on October 5, 2018. It was a forward split with a ratio of 3:1.

Last Split Date	Oct 5, 2018
Split Type	Forward
Split Ratio	3:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4