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Pathward Financial (CASH)
NASDAQ:CASH
US Market
CASH
Pathward Financial
RESEARCH TOOLSreports

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
 0.21 0.22 0.33 0.35 0.41
Quick Ratio
 0.21 0.22 0.33 0.35 0.41
Cash Ratio
 0.05 0.02 0.03 0.05 0.06
Solvency Ratio
 0.04 0.04 0.04 0.03 0.03
Operating Cash Flow Ratio
 0.10 0.08 0.07 0.04 0.04
Short-Term Operating Cash Flow Coverage
 0.00 50.07 1.20 23.32 0.00
Net Current Asset Value
$ -5.38B$ -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
 24.12 11.97 0.61 9.67 44.27
Interest Coverage Ratio
 22.12 19.23 10.30 16.75 37.01
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
 -1.03 -0.28 0.91 -1.33 -1.46
Profitability Margins
Gross Profit Margin
92.86%90.02%88.14%88.40%88.22%
EBIT Margin
31.69%32.55%32.68%30.96%34.45%
EBITDA Margin
39.72%41.27%41.32%42.00%46.22%
Operating Profit Margin
31.69%32.55%32.68%30.96%34.45%
Pretax Profit Margin
31.69%32.55%32.68%30.96%34.45%
Net Profit Margin
26.37%27.13%27.39%27.81%28.88%
Continuous Operations Profit Margin
26.52%27.26%27.58%28.19%29.44%
Net Income Per EBT
83.22%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)
2.53%2.59%2.43%2.17%2.24%
Return on Equity (ROE)
22.83%21.66%21.81%25.11%23.43%
Return on Capital Employed (ROCE)
18.97%17.48%16.85%26.61%26.47%
Return on Invested Capital (ROIC)
15.88%14.53%11.02%23.77%22.62%
Return on Tangible Assets
2.63%2.71%2.54%2.27%2.36%
Earnings Yield
9.30%10.73%11.03%13.23%15.69%
Efficiency Ratios
Receivables Turnover
 20.02 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
 3.68 3.42 2.74 2.34 2.13
Asset Turnover
 0.10 0.10 0.09 0.08 0.08
Working Capital Turnover Ratio
 -0.15 -0.16 -0.15 -0.15 -0.15
Cash Conversion Cycle
 18.23 100.01 100.16 128.24 159.47
Days of Sales Outstanding
 18.23 100.01 100.16 128.24 159.47
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
 18.23 100.01 100.16 128.24 159.47
Cash Flow Ratios
Operating Cash Flow Per Share
 28.26 19.26 18.02 11.30 9.20
Free Cash Flow Per Share
 18.91 10.11 7.02 -5.47 -5.82
CapEx Per Share
 9.36 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
 18.84 10.61 1.11 6.47 7.46
Operating Cash Flow to Sales Ratio
 0.87 0.66 0.68 0.52 0.51
Free Cash Flow Yield
20.52%13.66%10.64%-11.87%-17.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.75 9.32 9.07 7.56 6.37
Price-to-Sales (P/S) Ratio
 2.84 2.53 2.48 2.10 1.84
Price-to-Book (P/B) Ratio
 2.40 2.02 1.98 1.90 1.49
Price-to-Free Cash Flow (P/FCF) Ratio
 4.87 7.32 9.40 -8.42 -5.66
Price-to-Operating Cash Flow Ratio
 3.26 3.84 3.66 4.08 3.58
Price-to-Earnings Growth (PEG) Ratio
 2.50 0.96 0.45 0.53 0.32
Price-to-Fair Value
 2.40 2.02 1.98 1.90 1.49
Enterprise Value Multiple
 6.11 5.85 6.92 3.67 2.53
Enterprise Value
 1.76B 1.65B 1.91B 908.03M 611.31M
EV to EBITDA
 6.11 5.85 6.92 3.67 2.53
EV to Sales
 2.43 2.41 2.86 1.54 1.17
EV to Free Cash Flow
 4.17 6.99 10.82 -6.19 -3.59
EV to Operating Cash Flow
 2.79 3.67 4.22 3.00 2.27
Tangible Book Value Per Share
 24.38 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 0.16 0.09 0.15
Revenue Per Share
 32.46 29.29 26.58 21.92 17.91
Net Income Per Share
 8.56 7.94 7.28 6.10 5.17
Tax Burden
 0.83 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