Pathward Financial (CASH)
NASDAQ:CASH
Want to see CASH full AI Analyst Report?
CASH Stock Chart & Stats
$99.35
$0.62(0.83%)
At close: 4:00 PM EST
$99.35
$0.62(0.83%)
Day’s Range― - ―
52-Week Range$65.87 - $101.26
Previous CloseN/A
Volume28.65K
Average Volume (3M)229.58K
Market Cap
$1.69B
Enterprise Value$1.59B
Total Cash (Recent Filing)$157.60M
Total Debt (Recent Filing)$59.51M
Price to Earnings (P/E)6.6
Beta0.88
Next Earnings
Jul 29, 2026EPS Estimate
1.95Next Dividend Ex-DateN/A
Dividend Yield0.27%
Share Statistics
EPS (TTM)8.46
Shares Outstanding21,110,035
10 Day Avg. Volume179,927
30 Day Avg. Volume229,580
Financial Highlights & Ratios
PEG Ratio0.96
Price to Book (P/B)2.02
Price to Sales (P/S)2.53
P/FCF Ratio7.32
Enterprise Value/Market Cap0.94
Enterprise Value/Revenue2.06
Enterprise Value/Gross Profit2.24
Enterprise Value/Ebitda5.92
Forecast
1Y Price Target
$107.50Price Target Upside8.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)8.68
Revenue Forecast (FY)$828.20M
Bulls Say, Bears Say
Bulls Say
Fee-heavy Revenue MixA majority-fee revenue mix (noninterest income = 55% and growing) strengthens Pathward’s business model durability by reducing reliance on net interest income. Fee streams from partners and tax products are stickier, diversify cash flows, and buffer margins against interest-rate swings over the medium term.
Tax Services MomentumConsistent growth in tax services reflects durable product-market fit and improved underwriting/data analytics. Higher pre-income and refund-advance originations signal scalable, high-margin fee businesses that recur each season and materially contribute to durable profitability and partner retention.
Conservative Balance Sheet & LiquidityLow leverage, ample liquidity and strong ROE/ROATCE provide financial flexibility to absorb credit stress, support buybacks and execute asset-rotation strategies. A conservative balance sheet reduces long-term solvency risk and enables strategic optionality through cycles.
Bears Say
Volatile Free Cash FlowIntermittent negative free cash flow in recent years signals uneven cash conversion and raises questions about the sustainability of capital returns and internal funding. Persistent FCF volatility can constrain reinvestment, slow buybacks/dividends, and increase reliance on funding markets over time.
Rising Credit StressAn uptick in NPLs and higher provisioning reflects concentrated credit deterioration in specific verticals. Lumpy workouts and mix-driven allowance swings increase earnings volatility, may pressure capital if trends persist, and can slow growth if underwriting or portfolio composition needs rebalancing.
Regulatory & Partner-insourcing RiskIf partners pursue their own charters or new rules raise KYC/compliance burdens, Pathward could lose deposit and fee volumes or face higher compliance costs. Structural shifts in partner behavior or regulation threaten the embedded-finance model central to long-term fee revenue.
Pathward Financial News
CASH FAQ
What was Pathward Financial’s price range in the past 12 months?
Pathward Financial lowest stock price was $65.87 and its highest was $101.26 in the past 12 months.
What is Pathward Financial’s market cap?
Pathward Financial’s market cap is $1.69B.
When is Pathward Financial’s upcoming earnings report date?
Pathward Financial’s upcoming earnings report date is Jul 29, 2026 which is in 73 days.
How were Pathward Financial’s earnings last quarter?
Pathward Financial released its earnings results on Apr 22, 2026. The company reported $3.347 earnings per share for the quarter, the consensus estimate of $3.347 by $0.
Is Pathward Financial overvalued?
According to Wall Street analysts Pathward Financial’s price is currently Undervalued.
Does Pathward Financial pay dividends?
Pathward Financial pays a Quarterly dividend of $0.05 which represents an annual dividend yield of 0.27%. See more information on Pathward Financial dividends here
What is Pathward Financial’s EPS estimate?
Pathward Financial’s EPS estimate is 1.95.
How many shares outstanding does Pathward Financial have?
Pathward Financial has 21,110,035 shares outstanding.
What happened to Pathward Financial’s price movement after its last earnings report?
Pathward Financial reported an EPS of $3.347 in its last earnings report, expectations of $3.347. Following the earnings report the stock price went down -11.014%.
Which hedge fund is a major shareholder of Pathward Financial?
Currently, no hedge funds are holding shares in CASH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Pathward Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$107.50 (8.20% Upside)
$107.50 (8.20% Upside)
Blogger Sentiment
Bullish
CASH Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 213.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.9M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 3.5%
Last 30 Days ▼ 3.1%
Last 30 Days ▼ 3.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
41.62%
12-Months-Change
Fundamentals
Return on Equity
22.34%
Trailing 12-Months
Asset Growth
1.68%
Trailing 12-Months
Company Description
Pathward Financial
Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, money market savings accounts, and certificate accounts. It 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; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. 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 headquartered in Sioux Falls, South Dakota.
CASH Company Deck
CASH Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted several material operating and financial wins — a strong tax season driving noninterest income, double-digit increases in card and deposit fee income, solid originations and commercial finance growth, YoY improvement in adjusted NIM, high returns (ROA and ROTE), ample liquidity, and ongoing buybacks — while also acknowledging near-term credit metric volatility (NPL uptick, higher provisions) and timing headwinds (secondary market revenue, government-related delays). Management characterized many negatives as idiosyncratic, timing‑related or the result of disciplined balance‑sheet actions (portfolio sale, asset rotation). Given the breadth and magnitude of the positive operating trends, guidance maintenance, and management’s view that credit remains benign on a trailing 12‑month basis, the highlights outweigh the lowlights.View all CASH earnings summariesCASH Stock 12 Month Forecast
Average Price Target
$107.50
▲(8.20% Upside)
Technical Analysis
Banco Latinoamericano De Comercio
―
City Holding Company
―
Lakeland Financial
―
Live Oak Bancshares
―
Coastal Financial
―
Ownership Overview
1.48% Insiders
25.77% Mutual Funds
14.78% Other Institutional Investors
27.08% Public Companies and
Individual Investors