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STOCKS

Pathward Financial (CASH)

NASDAQ:CASH

CASH

Pathward Financial

RESEARCH TOOLSreports

Pathward Financial (CASH) Ratios

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683 Followers

Pathward Financial Ratios

CASH's free cash flow for Q4 2025 was $1.03. For the 2025 fiscal year, CASH's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.22	0.33	183.58	0.43
Quick Ratio	0.00	0.22	0.33	214.26	0.50
Cash Ratio	0.00	0.02	0.03	28.89	0.07
Solvency Ratio	0.04	0.04	0.03	0.03	0.03
Operating Cash Flow Ratio	0.00	0.08	0.07	23.32	0.05
Short-Term Operating Cash Flow Coverage	0.00	50.07	1.20	23.32	0.00
Net Current Asset Value	$ -5.03B	$ -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	0.04	0.05	0.49	0.07	0.06
Debt-to-Capital Ratio	0.04	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	8.85	8.36	8.99	11.56	10.46
Debt Service Coverage Ratio	22.83	11.97	0.57	9.67	45.35
Interest Coverage Ratio	22.12	19.23	9.36	16.32	42.82
Debt to Market Cap	0.02	0.02	0.25	0.04	0.04
Interest Debt Per Share	1.97	2.31	17.15	2.15	1.40
Net Debt to EBITDA	-1.09	-0.28	0.98	-1.33	-1.41
Profitability Margins
Gross Profit Margin	92.86%	90.02%	89.80%	54.83%	100.00%
EBIT Margin	31.69%	32.55%	31.75%	31.54%	37.37%
EBITDA Margin	37.88%	41.27%	40.97%	42.79%	49.66%
Operating Profit Margin	31.69%	32.55%	31.75%	30.74%	41.61%
Pretax Profit Margin	31.69%	32.55%	31.75%	31.54%	37.37%
Net Profit Margin	26.37%	27.13%	26.89%	28.34%	31.20%
Continuous Operations Profit Margin	26.52%	27.26%	27.09%	28.72%	31.79%
Net Income Per EBT	83.22%	83.33%	84.69%	89.83%	83.49%
EBT Per EBIT	100.00%	100.00%	100.00%	102.61%	89.80%
Return on Assets (ROA)	2.53%	2.59%	2.23%	2.17%	2.32%
Return on Equity (ROE)	22.83%	21.66%	20.05%	25.11%	24.24%
Return on Capital Employed (ROCE)	3.04%	17.48%	15.32%	2.36%	21.91%
Return on Invested Capital (ROIC)	9.46%	14.53%	10.13%	3.36%	-22.46%
Return on Tangible Assets	2.63%	2.71%	2.33%	2.27%	2.44%
Earnings Yield	9.48%	10.73%	10.13%	13.23%	16.23%
Efficiency Ratios
Receivables Turnover	20.02	3.65	3.41	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	-0.65	0.00
Fixed Asset Turnover	17.10	3.42	2.56	2.30	2.04
Asset Turnover	0.10	0.10	0.08	0.08	0.07
Working Capital Turnover Ratio	-0.49	-0.16	-0.15	-1.25	-0.47
Cash Conversion Cycle	18.23	100.01	106.99	-558.27	0.00
Days of Sales Outstanding	18.23	100.01	106.99	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	-558.27	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	18.23	100.01	106.99	-558.27	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	20.20	19.26	18.02	11.30	9.20
Free Cash Flow Per Share	10.60	10.11	7.02	-5.47	-5.82
CapEx Per Share	9.59	9.15	11.00	16.77	15.02
Free Cash Flow to Operating Cash Flow	0.53	0.53	0.39	-0.48	-0.63
Dividend Paid and CapEx Coverage Ratio	2.06	2.06	1.61	0.67	0.60
Capital Expenditure Coverage Ratio	2.11	2.11	1.64	0.67	0.61
Operating Cash Flow Coverage Ratio	13.46	10.61	1.11	6.47	7.46
Operating Cash Flow to Sales Ratio	0.62	0.66	0.72	0.52	0.54
Free Cash Flow Yield	11.73%	13.66%	10.64%	-11.87%	-17.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.55	9.32	9.87	7.56	6.16
Price-to-Sales (P/S) Ratio	2.78	2.53	2.65	2.14	1.92
Price-to-Book (P/B) Ratio	2.36	2.02	1.98	1.90	1.49
Price-to-Free Cash Flow (P/FCF) Ratio	8.53	7.32	9.40	-8.42	-5.66
Price-to-Operating Cash Flow Ratio	4.47	3.84	3.66	4.08	3.58
Price-to-Earnings Growth (PEG) Ratio	2.45	0.48	0.96	0.53	0.31
Price-to-Fair Value	2.36	2.02	1.98	1.90	1.49
Enterprise Value Multiple	6.27	5.85	7.46	3.67	2.46
Enterprise Value	1.72B	1.65B	1.91B	908.03M	611.31M
EV to EBITDA	6.27	5.85	7.46	3.67	2.46
EV to Sales	2.37	2.41	3.06	1.57	1.22
EV to Free Cash Flow	7.27	6.99	10.82	-6.19	-3.59
EV to Operating Cash Flow	3.82	3.67	4.22	3.00	2.27
Tangible Book Value Per Share	38.26	23.38	20.40	11.94	10.60
Shareholders’ Equity Per Share	38.30	36.67	33.37	24.28	22.07
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.15	0.09	0.15
Revenue Per Share	32.46	29.29	24.88	21.52	17.15
Net Income Per Share	8.56	7.94	6.69	6.10	5.35
Tax Burden	0.83	0.83	0.85	0.90	0.83
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	0.32	0.32	0.34
Stock-Based Compensation to Revenue	0.01	0.01	0.02	0.02	0.02
Income Quality	2.41	2.41	2.69	1.83	1.69

Currency in USD