Stock AnalizPathward Financial, Inc. CASH
Major Banks · IPO 1993 · data as of November 13, 2026
Pathward Financial, Inc. (CASH) is a financial company listed in the US with a market value of about $1.6B. In the twelve months to September 30, 2026 it had revenue of $684M and net income of $175M, a net margin of 25.7%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is value (4/5); the weakest is track record (1/5).
Key numbers: a P/E of 9.3, a price to free cash flow of 18.6. A discounted cash flow model with moderate assumptions puts its intrinsic value about 14% above the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- ROE above 15%
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 4 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | $684M | $840M | $797M | $728M | $618M |
| Net income | $175M | $186M | $183M | $143M | $151M |
| Free cash flow | $84M | $439M | $479M | $319M | $282M |
| EPS (diluted) | $8.14 | $7.87 | $7.20 | $5.24 | $5.09 |
| Net margin | 25.7% | 22.1% | 23.0% | 19.7% | 24.4% |
| ROIC | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 2 analysts is $97.50, 29% above the current price; targets range from $90.00 to $105.00; the consensus rating is “none”; expected EPS is $9.63 for the fiscal year ending September 30, 2027.
Frequently asked questions
What is Pathward Financial’s P/E ratio?
About 9.3, based on the last twelve months of diluted earnings per share (forward P/E about 6.8).
Is Pathward Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 14% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Pathward Financial pay a dividend?
Yes. The dividend yield is about 0.27%, and it has paid dividends for 4 years in our data.
Is Pathward Financial a good stock to buy?
We do not give buy or sell advice. Pathward Financial scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.