Pathward Financial, Inc. (CASH)

Pathward Financial Statistics

Total Valuation

CASH has a market cap or net worth of $1.57 billion. The enterprise value is $1.49 billion.

Market Cap	1.57B
Enterprise Value	1.49B

Important Dates

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

Earnings Date	Oct 21, 2025
Ex-Dividend Date	Sep 10, 2025

Share Statistics

CASH has 22.77 million shares outstanding. The number of shares has decreased by -6.66% in one year.

Current Share Class	22.77M
Shares Outstanding	22.77M
Shares Change (YoY)	-6.66%
Shares Change (QoQ)	-1.29%
Owned by Insiders (%)	1.18%
Owned by Institutions (%)	93.56%
Float	22.50M

Valuation Ratios

The trailing PE ratio is 8.74 and the forward PE ratio is 8.13.

PE Ratio	8.74
Forward PE	8.13
PS Ratio	2.05
Forward PS	1.79
PB Ratio	1.82
P/TBV Ratio	2.86
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.03
EV / Sales	1.90
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 22.01%.

Return on Equity (ROE)	22.01%
Return on Assets (ROA)	2.54%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$664,224
Profits Per Employee	$157,069
Employee Count	1,179
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CASH has paid $36.27 million in taxes.

Income Tax	36.27M
Effective Tax Rate	16.26%

Stock Price Statistics

The stock price has decreased by -15.26% in the last 52 weeks. The beta is 0.76, so CASH's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	-15.26%
50-Day Moving Average	72.80
200-Day Moving Average	76.03
Relative Strength Index (RSI)	43.48
Average Volume (20 Days)	184,191

Short Selling Information

The latest short interest is 1.64 million, so 7.21% of the outstanding shares have been sold short.

Short Interest	1.64M
Short Previous Month	1.59M
Short % of Shares Out	7.21%
Short % of Float	7.30%
Short Ratio (days to cover)	8.28

Income Statement

In the last 12 months, CASH had revenue of $783.12 million and earned $185.18 million in profits. Earnings per share was $7.87.

Revenue	783.12M
Gross Profit	783.12M
Operating Income	232.42M
Pretax Income	223.05M
Net Income	185.18M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$7.87

Balance Sheet

The company has $120.57 million in cash and $42.46 million in debt, giving a net cash position of $78.11 million or $3.43 per share.

Cash & Cash Equivalents	120.57M
Total Debt	42.46M
Net Cash	78.11M
Net Cash Per Share	$3.43
Equity (Book Value)	857.45M
Book Value Per Share	37.68
Working Capital	-5.94B

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	29.68%
Pretax Margin	28.48%
Profit Margin	23.73%
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 0.29%.

Dividend Per Share	$0.20
Dividend Yield	0.29%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	2.54%
Buyback Yield	6.66%
Shareholder Yield	6.95%
Earnings Yield	11.83%
FCF Yield	n/a

Analyst Forecast

The average price target for CASH is $91.00, which is 32.34% higher than the current price. The consensus rating is "Buy".

Price Target	$91.00
Price Target Difference	32.34%
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