Pathward Financial, Inc. (CASH)

Pathward Financial Statistics

Total Valuation

CASH has a market cap or net worth of $2.02 billion. The enterprise value is $1.74 billion.

Market Cap	2.02B
Enterprise Value	1.74B

Important Dates

The last earnings date was Thursday, January 22, 2026, after market close.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Dec 10, 2025

Share Statistics

CASH has 22.17 million shares outstanding. The number of shares has decreased by -7.17% in one year.

Current Share Class	22.17M
Shares Outstanding	22.17M
Shares Change (YoY)	-7.17%
Shares Change (QoQ)	-2.02%
Owned by Insiders (%)	1.44%
Owned by Institutions (%)	93.49%
Float	21.84M

Valuation Ratios

The trailing PE ratio is 11.02 and the forward PE ratio is 10.26.

PE Ratio	11.02
Forward PE	10.26
PS Ratio	2.63
Forward PS	2.32
PB Ratio	2.34
P/TBV Ratio	3.74
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.15
EV / Sales	2.22
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 23.57%.

Return on Equity (ROE)	23.57%
Return on Assets (ROA)	2.53%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	8.20%
Revenue Per Employee	$671,815
Profits Per Employee	$162,781
Employee Count	1,170
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CASH has paid $37.45 million in taxes.

Income Tax	37.45M
Effective Tax Rate	16.32%

Stock Price Statistics

The stock price has increased by +14.21% in the last 52 weeks. The beta is 0.74, so CASH's price volatility has been lower than the market average.

Beta (5Y)	0.74
52-Week Price Change	+14.21%
50-Day Moving Average	75.45
200-Day Moving Average	76.06
Relative Strength Index (RSI)	79.63
Average Volume (20 Days)	268,120

Short Selling Information

The latest short interest is 1.29 million, so 5.80% of the outstanding shares have been sold short.

Short Interest	1.29M
Short Previous Month	1.28M
Short % of Shares Out	5.80%
Short % of Float	5.89%
Short Ratio (days to cover)	5.72

Income Statement

In the last 12 months, CASH had revenue of $786.02 million and earned $190.45 million in profits. Earnings per share was $8.26.

Revenue	786.02M
Gross Profit	786.02M
Operating Income	235.82M
Pretax Income	229.54M
Net Income	190.45M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.26

Balance Sheet

The company has $331.22 million in cash and $33.48 million in debt, with a net cash position of $297.74 million or $13.43 per share.

Cash & Cash Equivalents	331.22M
Total Debt	33.48M
Net Cash	297.74M
Net Cash Per Share	$13.43
Equity (Book Value)	853.71M
Book Value Per Share	38.55
Working Capital	-6.22B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	30.00%
Pretax Margin	29.20%
Profit Margin	24.31%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.20, which amounts to a dividend yield of 0.22%.

Dividend Per Share	$0.20
Dividend Yield	0.22%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	2.42%
Buyback Yield	7.17%
Shareholder Yield	7.38%
Earnings Yield	9.34%
FCF Yield	n/a

Analyst Forecast

The average price target for CASH is $91.00, which is -0.09% lower than the current price. The consensus rating is "Buy".

Price Target	$91.00
Price Target Difference	-0.09%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	2