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Pathward Financial (CASH)
NASDAQ:CASH
US Market
CASH
Pathward Financial
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Pathward Financial (CASH) Ratios

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Pathward Financial Ratios

CASH's free cash flow for Q1 2026 was $0.97. For the 2026 fiscal year, CASH's free cash flow was decreased by $ and operating cash flow was $0.24. See a summary of the company’s cash flow.
Ratios
TTM
Sep 25Sep 24Sep 23Sep 22
Liquidity Ratios
Current Ratio
 7.45 0.22 0.33 0.35 0.41
Quick Ratio
 7.45 0.22 0.33 0.35 0.41
Cash Ratio
 6.06 0.02 0.03 0.05 0.06
Solvency Ratio
 0.04 0.04 0.04 0.03 0.03
Operating Cash Flow Ratio
 24.26 0.08 0.07 0.04 0.04
Short-Term Operating Cash Flow Coverage
 24.26 50.07 1.20 23.32 0.00
Net Current Asset Value
$ -6.07B$ -5.03B$ -4.63B$ -4.50B$ -3.60B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 0.05 <0.01 <0.01
Debt-to-Equity Ratio
 0.07 0.05 0.49 0.07 0.06
Debt-to-Capital Ratio
 0.07 0.05 0.33 0.07 0.05
Long-Term Debt-to-Capital Ratio
 0.04 0.04 0.04 0.05 0.05
Financial Leverage Ratio
 8.35 8.36 8.99 11.56 10.46
Debt Service Coverage Ratio
 6.39 11.97 0.61 9.67 44.27
Interest Coverage Ratio
 21.67 19.23 10.30 16.75 37.01
Debt to Market Cap
 0.03 0.02 0.25 0.04 0.04
Interest Debt Per Share
 3.23 2.31 17.15 2.15 1.40
Net Debt to EBITDA
 -0.37 -0.28 0.91 -1.33 -1.46
Profitability Margins
Gross Profit Margin
91.94%90.02%88.14%88.40%88.22%
EBIT Margin
29.26%32.55%32.68%30.96%34.45%
EBITDA Margin
34.81%41.27%41.32%42.00%46.22%
Operating Profit Margin
29.26%32.55%32.68%30.96%34.45%
Pretax Profit Margin
29.26%32.55%32.68%30.96%34.45%
Net Profit Margin
24.52%27.13%27.39%27.81%28.88%
Continuous Operations Profit Margin
24.65%27.26%27.58%28.19%29.44%
Net Income Per EBT
83.80%83.33%83.81%89.83%83.82%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.66%2.59%2.43%2.17%2.24%
Return on Equity (ROE)
22.34%21.66%21.81%25.11%23.43%
Return on Capital Employed (ROCE)
3.18%17.48%16.85%26.61%26.47%
Return on Invested Capital (ROIC)
2.67%14.53%11.02%23.77%22.62%
Return on Tangible Assets
2.78%2.71%2.54%2.27%2.36%
Earnings Yield
10.18%10.73%11.03%13.23%15.69%
Efficiency Ratios
Receivables Turnover
 21.33 3.65 3.64 2.85 2.29
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.09 3.42 2.74 2.34 2.13
Asset Turnover
 0.11 0.10 0.09 0.08 0.08
Working Capital Turnover Ratio
 -0.32 -0.16 -0.15 -0.15 -0.15
Cash Conversion Cycle
 17.11 100.01 100.16 128.24 159.47
Days of Sales Outstanding
 17.11 100.01 100.16 128.24 159.47
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 17.11 100.01 100.16 128.24 159.47
Cash Flow Ratios
Operating Cash Flow Per Share
 29.18 19.26 18.02 11.30 9.20
Free Cash Flow Per Share
 19.52 10.11 7.02 -5.47 -5.82
CapEx Per Share
 9.66 9.15 11.00 16.77 15.02
Free Cash Flow to Operating Cash Flow
 0.67 0.53 0.39 -0.48 -0.63
Dividend Paid and CapEx Coverage Ratio
 2.96 2.06 1.61 0.67 0.60
Capital Expenditure Coverage Ratio
 3.02 2.11 1.64 0.67 0.61
Operating Cash Flow Coverage Ratio
 10.60 10.61 1.11 6.47 7.46
Operating Cash Flow to Sales Ratio
 0.82 0.66 0.68 0.52 0.51
Free Cash Flow Yield
22.58%13.66%10.64%-11.87%-17.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.82 9.32 9.07 7.56 6.37
Price-to-Sales (P/S) Ratio
 2.42 2.53 2.48 2.10 1.84
Price-to-Book (P/B) Ratio
 2.18 2.02 1.98 1.90 1.49
Price-to-Free Cash Flow (P/FCF) Ratio
 4.43 7.32 9.40 -8.42 -5.66
Price-to-Operating Cash Flow Ratio
 2.94 3.84 3.66 4.08 3.58
Price-to-Earnings Growth (PEG) Ratio
 0.79 0.96 0.45 0.53 0.32
Price-to-Fair Value
 2.18 2.02 1.98 1.90 1.49
Enterprise Value Multiple
 6.60 5.85 6.92 3.67 2.53
Enterprise Value
 1.77B 1.65B 1.91B 908.03M 611.31M
EV to EBITDA
 6.60 5.85 6.92 3.67 2.53
EV to Sales
 2.30 2.41 2.86 1.54 1.17
EV to Free Cash Flow
 4.20 6.99 10.82 -6.19 -3.59
EV to Operating Cash Flow
 2.81 3.67 4.22 3.00 2.27
Tangible Book Value Per Share
 25.08 23.38 20.40 11.94 10.60
Shareholders’ Equity Per Share
 39.40 36.67 33.37 24.28 22.07
Tax and Other Ratios
Effective Tax Rate
 0.16 0.16 0.16 0.09 0.15
Revenue Per Share
 35.65 29.29 26.58 21.92 17.91
Net Income Per Share
 8.74 7.94 7.28 6.10 5.17
Tax Burden
 0.84 0.83 0.84 0.90 0.84
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.30 0.29 0.30 0.31 0.33
Stock-Based Compensation to Revenue
 0.01 0.01 0.02 0.02 0.02
Income Quality
 3.28 2.41 2.69 1.83 1.69
Currency in USD