# Pathward Financial Inc. (CASH) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $83.19, market value $1.7 billion.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 9.1×, 3-yr avg 9.1×). Pathward Financial Inc. trades at 10.4× trailing earnings, close to its own five-year average of 9.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.93**. A PEG of 0.93 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.1×**. Each dollar of revenue is priced at 2.1×.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 39.6%** (5-yr avg 28.9%). Free cash flow equals 39.6% of the market value, above its five-year average of 28.9%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 9.6%**. The inverse of the P/E: 9.6% of the price is earned each year.

## Profitability
- **Net margin: 22.1%**. 22.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 21.7%**. 21.7% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 2.5%**. Each dollar of assets produces 2.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 5.3%** (3-yr 11.8%/yr, 5-yr 11.0%/yr). Revenue grew 5.3% over the last year, against 11.0% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 9.3%** (3-yr 15.6%/yr, 5-yr 21.8%/yr). Earnings per share rose 9.3%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 15.9%/yr**. Free cash flow has compounded at 15.9% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $121 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.24%** ($0.20 per share, trailing). Pathward Financial Inc. yields 0.24%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 3%** (1% of free cash flow). 3% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 23**. 23 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 6.4%** (YTD 17.3%, 3-mo 4.2%). The shares are up 6.4% over twelve months including dividends.
- **From 52-week high: -17.8%** (26.3% above the low). Trading 18% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.69** (volatility 29%). Beta of 0.69 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CASH · Page: https://foliofundamentals.com/stocks/cash

Not investment advice.