Pathward Financial, Inc. (CASH)

Pathward Financial Statistics

Total Valuation

CASH has a market cap or net worth of $1.85 billion. The enterprise value is $1.31 billion.

Market Cap	1.85B
Enterprise Value	1.31B

Important Dates

The last earnings date was Tuesday, January 21, 2025, after market close.

Earnings Date	Jan 21, 2025
Ex-Dividend Date	Dec 10, 2024

Share Statistics

CASH has 23.85 million shares outstanding. The number of shares has decreased by -5.82% in one year.

Current Share Class	23.85M
Shares Outstanding	23.85M
Shares Change (YoY)	-5.82%
Shares Change (QoQ)	-1.76%
Owned by Insiders (%)	1.40%
Owned by Institutions (%)	109.60%
Float	23.50M

Valuation Ratios

The trailing PE ratio is 11.26 and the forward PE ratio is 10.20.

PE Ratio	11.26
Forward PE	10.20
PS Ratio	2.67
Forward PS	2.24
PB Ratio	2.40
P/TBV Ratio	3.98
P/FCF Ratio	14.10
P/OCF Ratio	5.21
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	7.66
EV / Sales	1.82
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.97

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.44
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 23.03%.

Return on Equity (ROE)	23.03%
Return on Assets (ROA)	2.23%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$578,470
Profits Per Employee	$137,199
Employee Count	1,244
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CASH has paid $29.72 million in taxes.

Income Tax	29.72M
Effective Tax Rate	14.63%

Stock Price Statistics

The stock price has increased by +50.47% in the last 52 weeks. The beta is 0.73, so CASH's price volatility has been lower than the market average.

Beta (5Y)	0.73
52-Week Price Change	+50.47%
50-Day Moving Average	77.97
200-Day Moving Average	68.54
Relative Strength Index (RSI)	44.38
Average Volume (20 Days)	180,073

Short Selling Information

The latest short interest is 1.83 million, so 7.67% of the outstanding shares have been sold short.

Short Interest	1.83M
Short Previous Month	1.86M
Short % of Shares Out	7.67%
Short % of Float	7.78%
Short Ratio (days to cover)	9.66

Income Statement

In the last 12 months, CASH had revenue of $719.62 million and earned $170.68 million in profits. Earnings per share was $6.88.

Revenue	719.62M
Gross Profit	719.62M
Operating Income	209.05M
Pretax Income	194.08M
Net Income	170.68M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.88

Balance Sheet

The company has $597.40 million in cash and $57.18 million in debt, giving a net cash position of $540.22 million or $22.65 per share.

Cash & Cash Equivalents	597.40M
Total Debt	57.18M
Net Cash	540.22M
Net Cash Per Share	$22.65
Equity (Book Value)	776.43M
Book Value Per Share	32.22
Working Capital	-6.08B

Cash Flow

In the last 12 months, operating cash flow was $354.48 million and capital expenditures -$223.39 million, giving a free cash flow of $131.09 million.

Operating Cash Flow	354.48M
Capital Expenditures	-223.39M
Free Cash Flow	131.09M
FCF Per Share	$5.50

Margins

Gross Margin	n/a
Operating Margin	29.05%
Pretax Margin	28.22%
Profit Margin	23.92%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	18.22%

Dividends & Yields

This stock pays an annual dividend of $0.20, which amounts to a dividend yield of 0.26%.

Dividend Per Share	$0.20
Dividend Yield	0.26%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	2.91%
Buyback Yield	5.82%
Shareholder Yield	6.07%
Earnings Yield	9.24%
FCF Yield	7.09%

Analyst Forecast

The average price target for CASH is $79.67, which is 2.81% higher than the current price. The consensus rating is "Hold".

Price Target	$79.67
Price Target Difference	2.81%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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