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

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Pathward Financial Ratios

CASH's free cash flow for Q3 2025 was $0.93. For the 2025 fiscal year, CASH's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 25Dec 24Dec 23
Liquidity Ratios
Current Ratio
165.21 165.21 0.33 183.58 0.43
Quick Ratio
165.21 165.21 0.33 214.26 0.50
Cash Ratio
13.40 13.40 0.03 28.89 0.07
Solvency Ratio
0.04 0.03 0.03 0.03 0.03
Operating Cash Flow Ratio
30.79 18.67 0.07 23.32 0.05
Short-Term Operating Cash Flow Coverage
30.79 18.67 1.20 23.32 0.00
Net Current Asset Value
$ -4.83B$ -4.83B$ -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
0.05 0.01 0.49 0.07 0.06
Debt-to-Capital Ratio
0.05 0.01 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
8.36 8.36 8.99 11.56 10.46
Debt Service Coverage Ratio
12.15 19.08 0.57 9.67 45.35
Interest Coverage Ratio
20.57 0.00 9.36 16.32 42.82
Debt to Market Cap
0.03 0.02 0.25 0.04 0.04
Interest Debt Per Share
2.31 0.38 17.15 2.15 1.40
Net Debt to EBITDA
-0.29 -0.54 0.98 -1.33 -1.41
Profitability Margins
Gross Profit Margin
77.56%0.00%89.80%54.83%100.00%
EBIT Margin
35.34%63.40%31.75%31.54%37.37%
EBITDA Margin
45.61%63.40%40.97%42.79%49.66%
Operating Profit Margin
35.34%63.40%31.75%30.74%41.61%
Pretax Profit Margin
37.89%67.98%31.75%31.54%37.37%
Net Profit Margin
31.58%56.65%26.89%28.34%31.20%
Continuous Operations Profit Margin
31.73%56.93%27.09%28.72%31.79%
Net Income Per EBT
83.33%83.33%84.69%89.83%83.49%
EBT Per EBIT
107.23%107.23%100.00%102.61%89.80%
Return on Assets (ROA)
2.59%2.59%2.23%2.17%2.32%
Return on Equity (ROE)
22.74%21.66%20.05%25.11%24.24%
Return on Capital Employed (ROCE)
2.90%2.90%15.32%2.36%21.91%
Return on Invested Capital (ROIC)
9.48%9.48%10.13%3.36%-22.46%
Return on Tangible Assets
2.71%2.71%2.33%2.27%2.44%
Earnings Yield
11.45%10.73%10.13%13.23%16.23%
Efficiency Ratios
Receivables Turnover
15.28 8.52 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
2.94 8.07 2.56 2.30 2.04
Asset Turnover
0.08 0.05 0.08 0.08 0.07
Working Capital Turnover Ratio
-0.37 -0.24 -0.15 -1.25 -0.47
Cash Conversion Cycle
23.89 42.85 106.99 -558.27 0.00
Days of Sales Outstanding
23.89 42.85 106.99 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
23.89 42.85 106.99 -558.27 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
12.20 7.18 18.02 11.30 9.20
Free Cash Flow Per Share
8.36 7.18 7.02 -5.47 -5.82
CapEx Per Share
3.84 0.00 11.00 16.77 15.02
Free Cash Flow to Operating Cash Flow
0.69 1.00 0.39 -0.48 -0.63
Dividend Paid and CapEx Coverage Ratio
3.01 1.05 1.61 0.67 0.60
Capital Expenditure Coverage Ratio
3.18 0.00 1.64 0.67 0.61
Operating Cash Flow Coverage Ratio
6.53 18.67 1.11 6.47 7.46
Operating Cash Flow to Sales Ratio
0.47 0.51 0.72 0.52 0.54
Free Cash Flow Yield
302.01%9.70%10.64%-11.87%-17.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.73 9.32 9.87 7.56 6.16
Price-to-Sales (P/S) Ratio
2.77 5.28 2.65 2.14 1.92
Price-to-Book (P/B) Ratio
1.89 2.02 1.98 1.90 1.49
Price-to-Free Cash Flow (P/FCF) Ratio
8.57 10.31 9.40 -8.42 -5.66
Price-to-Operating Cash Flow Ratio
5.86 10.31 3.66 4.08 3.58
Price-to-Earnings Growth (PEG) Ratio
1.89 0.48 0.96 0.53 0.31
Price-to-Fair Value
1.89 2.02 1.98 1.90 1.49
Enterprise Value Multiple
5.77 7.79 7.46 3.67 2.46
Enterprise Value
-15.23M 1.62B 1.91B 908.03M 611.31M
EV to EBITDA
-0.06 7.79 7.46 3.67 2.46
EV to Sales
-0.03 4.94 3.06 1.57 1.22
EV to Free Cash Flow
-0.08 9.64 10.82 -6.19 -3.59
EV to Operating Cash Flow
-0.05 9.64 4.22 3.00 2.27
Tangible Book Value Per Share
37.76 36.65 20.40 11.94 10.60
Shareholders’ Equity Per Share
37.79 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
25.92 14.02 24.88 21.52 17.15
Net Income Per Share
8.19 7.94 6.69 6.10 5.35
Tax Burden
0.83 0.83 0.85 0.90 0.83
Interest Burden
1.07 1.07 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.25 0.00 0.32 0.32 0.34
Stock-Based Compensation to Revenue
<0.01 0.03 0.02 0.02 0.02
Income Quality
1.52 0.90 2.69 1.83 1.69
Currency in USD
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