Pathward Financial Inc.

CASH | NASDAQ

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$75.90

-$0.27 (-0.35%)

At close: Sep 21, 2026, 4:00 PM ET

$75.65

-$0.25 (-0.33%)

Pre-market: Sep 22, 2026, 4:48 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.61B

Enterprise Value $434.26M

Beta 0.60

Average Volume 207.73K

Shares Outstanding (Diluted) 21.77M

Shares Change YoY -5.9%

Institutional Ownership 95.63%

Exchange NASDAQ

ISIN US59100U1088

Price Performance

Price Change 1M -9.4%

Price Change 3M -10.7%

Price Change 6M -14.4%

Price Change YTD 5.6%

Price Change 1Y -1.8%

Price Change 3Y 65.3%

Price Change 5Y 47.1%

1M CAGR (ann.) -14.0%

1Y CAGR (ann.) 0.8%

5Y CAGR (ann.) 8.7%

All-Time CAGR 13.0%

Valuation

PE Ratio 9.51

Forward PE 7.13

PEG Ratio 1.53

Forward PEG 0.45

PS Ratio 1.99

Forward PS 1.90

PB Ratio 1.88

P/FCF Ratio 3.19

P/Adj. FCF Ratio 3.26

P/OCF Ratio 2.36

EV/Sales 0.54

EV/EBIT 2.06

EV/EBITDA 1.73

EV/FCF 0.86

Earnings Yield 10.5%

FCF Yield 31.3%

Adj. FCF Yield 30.6%

Financial Health

Net Cash $1.17B

Total Debt $201.03M

Cash & Short-Term Investments $1.37B

Total Assets $7.31B

Current Ratio 0.25

Quick Ratio 0.25

Debt / Equity Ratio 0.24

Debt / EBITDA 0.80

Debt / FCF 0.40

OCF / Debt 3.36

Interest Coverage 20.55

Altman Z-Score -0.34

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 89.9%

Operating Profit Margin 26.2%

EBITDA Margin 31.2%

Net Profit Margin 21.9%

FCF Margin 62.5%

Adj. FCF Margin 61.1%

SBC / Revenue 1.4%

SBC Impact (per share) -2.2%

Returns

Return on Assets 2.4%

Return on Equity 20.6%

Return on Invested Capital 13.2%

Return on Capital Employed 17.6%

Return on Tangible Assets 2.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 12.8%

Revenue CAGR 5Y 9.7%

Revenue CAGR 10Y 18.8%

EPS CAGR 3Y 13.5%

EPS CAGR 5Y 13.3%

EPS CAGR 10Y 20.1%

FCF CAGR 3Y 134.6%

FCF CAGR 5Y -0.6%

FCF CAGR 10Y 27.1%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 9

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $83.99

Graham Upside 10.7%

Lynch Fair Value $106.29

Lynch Upside 40.0%

Price Target $105

Price Target Upside 38.3%

Cash Flow

Operating Cash Flow $675.28M

Free Cash Flow $502.12M

Adj. Free Cash Flow $490.9M

FCF Per Share $27.43

OCF Per Share $32.16

OCF/S Ratio 86.8%

Income Statement

Revenue $803.16M

Gross Profit $722.19M

Operating Income $210.47M

EBITDA $250.88M

Net Income $175.73M

EPS (Diluted) $7.98

Revenue / Employee $679.49K

Profit / Employee $148.67K

Employees 1,182

Dividends

Annual Dividend $0.20

Dividend Yield 0.26%

Payout Ratio 2.5%

FCF Payout Ratio 0.9%

Adj. FCF Payout Ratio 0.9%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Sep 9, 2026