Pathward Financial, Inc. (CASH)

Pathward Financial Statistics

Total Valuation

CASH has a market cap or net worth of $1.74 billion. The enterprise value is $1.63 billion.

Market Cap	1.74B
Enterprise Value	1.63B

Important Dates

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

Earnings Date	Oct 22, 2025
Ex-Dividend Date	Sep 10, 2025

Share Statistics

CASH has 22.77 million shares outstanding. The number of shares has decreased by -6.01% in one year.

Current Share Class	22.77M
Shares Outstanding	22.77M
Shares Change (YoY)	-6.01%
Shares Change (QoQ)	-2.67%
Owned by Insiders (%)	1.37%
Owned by Institutions (%)	93.32%
Float	22.63M

Valuation Ratios

The trailing PE ratio is 11.05 and the forward PE ratio is 9.32.

PE Ratio	11.05
Forward PE	9.32
PS Ratio	2.49
Forward PS	1.97
PB Ratio	2.14
P/TBV Ratio	3.43
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.83
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 21.21%.

Return on Equity (ROE)	21.21%
Return on Assets (ROA)	2.28%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$589,868
Profits Per Employee	$133,360
Employee Count	1,244
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CASH has paid $25.67 million in taxes.

Income Tax	25.67M
Effective Tax Rate	13.26%

Stock Price Statistics

The stock price has increased by +15.69% in the last 52 weeks. The beta is 0.64, so CASH's price volatility has been lower than the market average.

Beta (5Y)	0.64
52-Week Price Change	+15.69%
50-Day Moving Average	78.44
200-Day Moving Average	77.43
Relative Strength Index (RSI)	45.09
Average Volume (20 Days)	139,343

Short Selling Information

The latest short interest is 1.31 million, so 5.73% of the outstanding shares have been sold short.

Short Interest	1.31M
Short Previous Month	1.26M
Short % of Shares Out	5.73%
Short % of Float	5.77%
Short Ratio (days to cover)	7.10

Income Statement

In the last 12 months, CASH had revenue of $733.80 million and earned $165.90 million in profits. Earnings per share was $6.92.

Revenue	733.80M
Gross Profit	733.80M
Operating Income	198.79M
Pretax Income	194.08M
Net Income	165.90M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.92

Balance Sheet

The company has $258.34 million in cash and $148.43 million in debt, giving a net cash position of $109.91 million or $4.83 per share.

Cash & Cash Equivalents	258.34M
Total Debt	148.43M
Net Cash	109.91M
Net Cash Per Share	$4.83
Equity (Book Value)	817.86M
Book Value Per Share	35.67
Working Capital	-6.03B

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	27.09%
Pretax Margin	26.38%
Profit Margin	22.72%
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 0.26%.

Dividend Per Share	$0.20
Dividend Yield	0.26%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	2.89%
Buyback Yield	6.01%
Shareholder Yield	6.27%
Earnings Yield	9.53%
FCF Yield	n/a

Analyst Forecast

The average price target for CASH is $91.00, which is 19.11% higher than the current price. The consensus rating is "Buy".

Price Target	$91.00
Price Target Difference	19.11%
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