Pathward Financial, Inc. (CASH)

Pathward Financial Statistics

Total Valuation

CASH has a market cap or net worth of $1.88 billion. The enterprise value is $1.78 billion.

Market Cap	1.88B
Enterprise Value	1.78B

Important Dates

The last earnings date was Wednesday, April 22, 2026, after market close.

Earnings Date	Apr 22, 2026
Ex-Dividend Date	Mar 12, 2026

Share Statistics

CASH has 21.33 million shares outstanding. The number of shares has decreased by -7.78% in one year.

Current Share Class	21.33M
Shares Outstanding	21.33M
Shares Change (YoY)	-7.78%
Shares Change (QoQ)	-2.95%
Owned by Insiders (%)	1.41%
Owned by Institutions (%)	96.35%
Float	21.45M

Valuation Ratios

The trailing PE ratio is 10.52 and the forward PE ratio is 9.34.

PE Ratio	10.52
Forward PE	9.34
PS Ratio	2.42
Forward PS	2.17
PB Ratio	2.21
P/TBV Ratio	3.46
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.44
EV / Sales	2.29
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 22.82%.

Return on Equity (ROE)	22.82%
Return on Assets (ROA)	2.69%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	8.07%
Revenue Per Employee	$658,066
Profits Per Employee	$159,702
Employee Count	1,182
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CASH has paid $35.46 million in taxes.

Income Tax	35.46M
Effective Tax Rate	15.73%

Stock Price Statistics

The stock price has increased by +11.51% 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	+11.51%
50-Day Moving Average	92.23
200-Day Moving Average	79.97
Relative Strength Index (RSI)	37.80
Average Volume (20 Days)	206,900

Short Selling Information

The latest short interest is 1.97 million, so 9.26% of the outstanding shares have been sold short.

Short Interest	1.97M
Short Previous Month	2.16M
Short % of Shares Out	9.26%
Short % of Float	9.20%
Short Ratio (days to cover)	8.16

Income Statement

In the last 12 months, CASH had revenue of $777.18 million and earned $188.61 million in profits. Earnings per share was $8.37.

Revenue	777.18M
Gross Profit	777.18M
Operating Income	230.07M
Pretax Income	225.41M
Net Income	188.61M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.37

Balance Sheet

The company has $157.60 million in cash and $59.51 million in debt, with a net cash position of $98.09 million or $4.60 per share.

Cash & Cash Equivalents	157.60M
Total Debt	59.51M
Net Cash	98.09M
Net Cash Per Share	$4.60
Equity (Book Value)	850.68M
Book Value Per Share	39.92
Working Capital	-5.98B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	29.60%
Pretax Margin	29.00%
Profit Margin	24.32%
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 0.23%.

Dividend Per Share	$0.20
Dividend Yield	0.23%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	2.39%
Buyback Yield	7.78%
Shareholder Yield	8.01%
Earnings Yield	10.04%
FCF Yield	n/a

Analyst Forecast

The average price target for CASH is $107.50, which is 22.10% higher than the current price. The consensus rating is "Buy".

Price Target	$107.50
Price Target Difference	22.10%
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