Pathward Financial, Inc. (CASH)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 443 | 508 | 519 | 601 | 648 | 674 | 793 | - |
| Operating profit | $m | 223 | 210 | ||||||
| Net profit | $m | 105 | 142 | 151 | 143 | 183 | 186 | 176 | 186 |
| EPS reported | $ | 7.87 | 7.98 | ||||||
| Operating cashflow per share | $ | 19.26 | 32.16 | ||||||
| Capex per share | $ | 9.15 | 4.74 | ||||||
| FCF per share | $ | 10.11 | 27.43 | ||||||
| Free cash flow | $m | 237 | 594 | ||||||
| Net debt | $m | -1,051 | -1,168 | ||||||
| Book value equity | $m | 858 | 851 | ||||||
| Book value per share | $ | 36.48 | 39.08 | ||||||
| Number of shares | m | 23.52 | 21.77 | ||||||
| DPS (TTM paid) | $ | 0.20 | 0.20 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.40 | 9.25 | ||||||
| P/B LTM | x | 2.02 | 2.04 | ||||||
| P/S LTM | x | 2.57 | 2.18 | ||||||
| P/FCF LTM | x | 7.32 | 2.91 | ||||||
| EV/EBITDA LTM | x | 5.85 | 6.59 | ||||||
| EV/Sales LTM | x | 2.41 | 2.25 | ||||||
| Earnings Yield LTM | % | +10.64% | +10.81% | ||||||
| FCF Yield | % | +13.66% | +34.32% | ||||||
| Quality | |||||||||
| ROE | % | +21.66% | +20.58% | ||||||
| ROIC | % | +14.53% | +13.23% | ||||||
| Operating margin | % | +32.55% | +26.21% | ||||||
| Gross margin | % | +90.02% | +89.92% | ||||||
| FCF/Sales | % | +34.53% | +73.99% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +9.31% | +10.83% | ||||||
| Sales Growth YoY | % | +4.01% | +22.43% | ||||||
| Net Income Growth YoY | % | +1.45% | -4.09% | ||||||
| FCF Growth | % | +33.83% | +236.16% | ||||||
| Operating Profit Growth | % | +2.03% | -3.73% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.27% | +0.24% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +2.53% | +2.49% | ||||||
| FCF/Debt | x | 5.57 | 2.96 | ||||||
| Net Debt/EBITDA | x | -0.28 | 0.21 | ||||||
| EBIT/Net interest | x | 19.23 | 20.55 | ||||||
| Net debt/market cap | % | +2.45% | +11.45% | ||||||
| Net debt/Equity | x | -1.23 | -1.37 | ||||||
| Gross debt/equity | x | 0.05 | 0.24 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout the United States. Its operations are structured across three main divisions: Consumer, Commercial, and Corporate Services/Other. The firm offers a range of deposit accounts, including checking (demand deposit), savings, money market savings, and certificates of deposit. For commercial clients, Pathward provides diverse financial solutions such as term loans, asset-based lending, factoring services, lease financing, insurance premium financing, and government-guaranteed lending products. It also extends consumer credit offerings and other personal financing services. Further specialized services include short-term taxpayer advance loans and warehouse financing. Moreover, the company plays a significant role in the payments industry by issuing prepaid and consumer credit cards, sponsoring merchant acquiring services, facilitating ATM access across various debit networks, and handling tax refund transfers, alongside other payment solutions. Originally known as Meta Financial Group, Inc., the company adopted its current name, Pathward Financial, Inc., in July 2022. Founded in 1954, Pathward Financial, Inc. is headquartered in Sioux Falls, South Dakota.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Pathward Financial, Inc. (CASH)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout the United States. Its operations are structured across three main divisions: Consumer, Commercial, and Corporate Services/Other. The firm offers a range of deposit accounts, including checking (demand deposit), savings, money market savings, and certificates of deposit. For commercial clients, Pathward provides diverse financial solutions such as term loans, asset-based lending, factoring services, lease financing, insurance premium financing, and government-guaranteed lending products. It also extends consumer credit offerings and other personal financing services. Further specialized services include short-term taxpayer advance loans and warehouse financing. Moreover, the company plays a significant role in the payments industry by issuing prepaid and consumer credit cards, sponsoring merchant acquiring services, facilitating ATM access across various debit networks, and handling tax refund transfers, alongside other payment solutions. Originally known as Meta Financial Group, Inc., the company adopted its current name, Pathward Financial, Inc., in July 2022. Founded in 1954, Pathward Financial, Inc. is headquartered in Sioux Falls, South Dakota.
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