Pathward Financial, Inc. (CASH) AI Stock Analysis

Pathward Financial, Inc. serves as the holding company for Pathward, National Association, established in 1954 and headquartered in Sioux Falls, South Dakota. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other. The Consumer segment offers deposit accounts, consumer credit products, tax solutions like refund advance loans, and prepaid cards. The Commercial segment provides commercial finance products such as term lending, asset-based lending, factoring, lease financing, insurance premium finance, and government guaranteed lending. Pathward Financial also offers payment solutions that include credit and debit card acceptance, processing, and settlement.

Pathward Financial's annual revenue rose from $515.1M in FY2021 to $685.2M in FY2025, delivering a 5-year revenue CAGR of 7.5%. Annual net income expanded from $141.7M in FY2021 to $185.9M in FY2025, while EPS increased from $4.58 to $8.17 over the same span. In FY2025, gross margin reached 90.0% and operating margin stood at 32.6%. Across the trailing twelve months, revenue totaled $752.0M with a profit margin of 23.4%. For the latest quarter ended June 30, 2026, quarterly revenue declined 13.5% year-over-year, and quarterly earnings decreased 24.7%.

As of June 30, 2026, Pathward Financial held $1.37B in cash and short-term investments against total debt of $201.0M, resulting in net cash of $1.17B. Total assets reached $7.31B and shareholders' equity stood at $850.9M. The company has a current ratio of 0.25 and a debt-to-equity ratio of 0.24. In FY2025, operating cash flow was $450.6M and free cash flow was $236.6M. Capital allocation in FY2025 included $214.0M in capital expenditures, $163.0M in share buybacks, and $4.7M in dividends paid.

Pathward Financial trades at a trailing P/E of 9.1x, below the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 11.2x compares to the peer median of 10.8x, and its price-to-sales ratio is 2.0x versus the peer median of 3.2x. The enterprise value is $1.59B, representing an EV-to-revenue multiple of 2.6x. Over the past year, the stock returned 4.8%, trailing the S&P 500 return of 16.8%. Over a 5-year period, the stock gained 22.2%, lagging the S&P 500 5-year return of 83.0%.

Pathward Financial pays a quarterly dividend with an annual forward dividend of $0.20 per share, yielding 0.27%. The payout ratio is 2.5%, and the company has paid dividends for 33 consecutive years. Its 5-year annualized dividend growth is 0.0%, and the last ex-dividend date was September 10, 2026.

Wall Street analysts cover Pathward Financial with 2 Buy ratings and 1 Hold rating. The mean price target is $97.50, representing 33.7% upside relative to the last close of $72.93 on October 16, 2026. For the fiscal year ending September 30, 2026, analysts estimate EPS of $7.87 on revenue of $818.7M. For the following fiscal year, 3 analysts project revenue of $864.8M and EPS of $9.64. The company beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is October 21, 2026.

This page is an AI-written research summary of Pathward Financial, Inc. (CASH). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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