CASH$69.23
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Powered by LiveAIOverall Analysis
BuyPathward Financial shows strong fundamentals with robust profitability and a healthy balance sheet. Thematic tailwinds are positive, but current technical indicators suggest a need for caution due to overbought conditions. Recommend a Buy for investors with a medium to long-term horizon.
Thematic
Pathward Financial operates in the financial services sector, which is generally stable. While not directly tied to high-growth tech themes, its role in providing financial services and payment solutions offers moderate thematic appeal.
Fundamental
Pathward Financial demonstrates strong profitability, with excellent net margins and robust revenue growth. Its balance sheet is healthy, characterized by manageable debt and solid equity. The company also generates consistent free cash flow.
Technical
The stock is trading above key moving averages, indicating a positive trend. However, some oscillators are in overbought territory, suggesting a potential for consolidation or a short-term pullback.
| Factor | Score |
|---|---|
| Financial Services Sector Growth | 70 |
| Digital Payments and Fintech Adoption | 60 |
| Economic Sensitivity | 60 |
| Regulatory Environment | 65 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 95 |
| Growth | 70 |
| Balance Sheet Health | 75 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 55 |
| Volume Confirmation | 70 |
| Support & Resistance | 75 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Strong Earnings Performance
The company has consistently beaten earnings estimates, with the last quarter showing a surprise of 29.42%, indicating robust earnings capability.
Attractive P/E Ratio
The trailing P/E ratio of 11.17 is significantly lower than the industry average, suggesting the stock may be undervalued.
Bearish Points (7)
High Price-to-Sales Ratio
The trailing Price-to-Sales (P/S) ratio of 7.6 is relatively high, which could indicate that the stock is overvalued compared to its revenue generation.
Slowing Revenue Growth
While net income has been strong, revenue growth shows a slight deceleration from 2021Q3 (508.27M) to 2024Q3 (604.96M), which may warrant monitoring.
Calendar
June 2025
13
Ex-Dividend Date
July 2025
1
Next Dividend Date
July 2025
23
Next Earnings Date
H: $1.77
A: $1.68
L: $1.57
H: 186.60M
A: 184.80M
L: 183.50M
Profile
Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other. It offers demand deposit accounts, savings accounts, and money market savings accounts. The company also provides commercial finance product comprising term lending, asset-based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; installment and revolving consumer lending products; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, it and offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments, financial processing services for freestanding ATMs; digital payments; and merchant services, as well asissues debit and prepaid cards. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is based in Sioux Falls, South Dakota.
Seasonals
Price Target
90.00 USD
The 39 analysts offering 1 year price forecasts for CASH have a max estimate of 94.00 and a min estimate of 86.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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