Pathward Financial, Inc. (CASH)
NASDAQ: CASH · Real-Time Price · USD
90.81
+2.57 (2.91%)
Aug 3, 2026, 3:18 PM EDT - Market open

Pathward Financial Statistics

Total Valuation

CASH has a market cap or net worth of $1.91 billion. The enterprise value is $1.91 billion.

Market Cap1.91B
Enterprise Value 1.91B

Important Dates

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

Earnings Date Jul 22, 2026
Ex-Dividend Date Jun 11, 2026

Share Statistics

CASH has 21.02 million shares outstanding. The number of shares has decreased by -8.08% in one year.

Current Share Class 21.02M
Shares Outstanding 21.02M
Shares Change (YoY) -8.08%
Shares Change (QoQ) -2.55%
Owned by Insiders (%) 1.39%
Owned by Institutions (%) 101.88%
Float 20.72M

Valuation Ratios

The trailing PE ratio is 11.35 and the forward PE ratio is 9.66.

PE Ratio 11.35
Forward PE 9.66
PS Ratio 2.47
Forward PS 2.18
PB Ratio 2.18
P/TBV Ratio 3.42
P/FCF Ratio 4.02
P/OCF Ratio 2.75
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 10.86
EV / Sales 2.54
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 4.14

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 21.18%.

Return on Equity (ROE) 21.18%
Return on Assets (ROA) 2.43%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 6.85%
Revenue Per Employee $628,790
Profits Per Employee $146,783
Employee Count1,196
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, CASH has paid $33.73 million in taxes.

Income Tax 33.73M
Effective Tax Rate 16.02%

Stock Price Statistics

The stock price has increased by +20.30% in the last 52 weeks. The beta is 0.61, so CASH's price volatility has been lower than the market average.

Beta (5Y) 0.61
52-Week Price Change +20.30%
50-Day Moving Average 85.67
200-Day Moving Average 82.84
Relative Strength Index (RSI) 56.18
Average Volume (20 Days) 213,465

Short Selling Information

The latest short interest is 2.22 million, so 10.55% of the outstanding shares have been sold short.

Short Interest 2.22M
Short Previous Month 2.26M
Short % of Shares Out 10.55%
Short % of Float 10.70%
Short Ratio (days to cover) 9.54

Income Statement

In the last 12 months, CASH had revenue of $752.03 million and earned $175.55 million in profits. Earnings per share was $7.97.

Revenue752.03M
Gross Profit 752.03M
Operating Income 214.14M
Pretax Income 210.47M
Net Income 175.55M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $7.97
Full Income Statement

Balance Sheet

The company has $149.41 million in cash and $201.03 million in debt, with a net cash position of -$51.62 million or -$2.46 per share.

Cash & Cash Equivalents 149.41M
Total Debt 201.03M
Net Cash -51.62M
Net Cash Per Share -$2.46
Equity (Book Value) 851.15M
Book Value Per Share 40.47
Working Capital -6.15B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $675.28 million and capital expenditures -$214.20 million, giving a free cash flow of $461.07 million.

Operating Cash Flow 675.28M
Capital Expenditures -214.20M
Depreciation & Amortization n/a
Net Borrowing 26.00M
Free Cash Flow 461.07M
FCF Per Share $21.93
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 28.48%
Pretax Margin 27.99%
Profit Margin 23.38%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 59.33%

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 2.51%
Buyback Yield 8.08%
Shareholder Yield 8.31%
Earnings Yield 9.46%
FCF Yield 24.85%
Dividend Details

Analyst Forecast

The average price target for CASH is $101.00, which is 11.22% higher than the current price. The consensus rating is "Buy".

Price Target $101.00
Price Target Difference 11.22%
Analyst Consensus Buy
Analyst Count 3
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a
Stock Forecasts

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 4