Pathward Financial, Inc. (NASDAQ: CASH) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 9.71 | EPS (ttm) | 7.98 | Insider Own | 7.57% | Shs Outstand | 21.11M | Perf Week | -2.15% |
| Market Cap | 1.64B | Forward P/E | 8.07 | EPS next Y | 9.60 | Insider Trans | -0.59% | Shs Float | 20.79M | Perf Month | -8.46% |
| Enterprise Value | 468.61M | PEG | 0.46 | EPS next Q | 1.63 | Inst Own | - | Short Float | 12.75% | Perf Quarter | -4.35% |
| Income | 176.00M | P/S | 2.04 | EPS this Y | -0.58% | Inst Trans | - | Short Ratio | 11.99 | Perf Half Y | -14.24% |
| Sales | 803.00M | P/B | 1.92 | EPS next Y | 20.97% | ROA | 2.40% | Short Interest | 2.65M | Perf YTD | 9.13% |
| Book/sh | 40.31 | P/C | 1.19 | EPS next 5Y | 20.97% | ROE | 20.58% | 52W High | 101.25 -23.48% | Perf Year | 3.83% |
| Cash/sh | 64.85 | P/FCF | 2.79 | EPS past 3/5Y | 14.37% 21.77% | ROIC | 13.23% | 52W Low | 65.87 17.63% | Perf 3Y | 57.86% |
| Dividend Est. | 0.20 (0.26%) | EV/EBITDA | 1.87 | Sales past 3/5Y | 9.41% 7.51% | Gross Margin | 89.92% | Volatility | 2.36% 2.03% | Perf 5Y | 52.28% |
| Dividend TTM | 0.20 (0.26%) | EV/Sales | 0.58 | EPS Y/Y TTM | 10.83% | Oper. Margin | 26.21% | ATR (14) | 1.80 | Perf 10Y | 272.86% |
| Dividend Ex-Date | Sep 10, 2026 | Quick Ratio | 0.25 | Sales Y/Y TTM | 20.03% | Profit Margin | 21.88% | RSI (14) | 30.58 | Recom | 2.11 |
| Dividend Gr. 3/5Y | 0.00% 0.00% | Current Ratio | 0.25 | EPS Q/Q | 7.72% | SMA20 | -4.40% | Beta | 0.66 | Target Price | 105.00 |
| Payout | 2.51% | Debt/Eq | 0.05 | Sales Q/Q | 20.89% | SMA50 | -9.14% | Rel Volume | 1.06 | Prev Close | 78.45 |
| Employees | 1,182 | LT Debt/Eq | 0.04 | Earnings | Oct 20 | SMA200 | -8.88% | Avg Volume | 219.30K | Price | 77.48 |
| IPO Date | Sep 20, 1993 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 0.10% 1.57% | Net Debt/EBITDA | 0.21 | Volume | 232,225 | Change | -1.24% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-23-26 | Reiterated | Piper Sandler | Overweight | $107 → $105 |
| Oct-24-24 | Reiterated | Piper Sandler | Overweight | $75 → $82 |
| Jul-25-24 | Reiterated | Piper Sandler | Overweight | $75 |
| Jul-28-22 | Downgrade | Keefe, Bruyette & Woods | Outperform → Market Perform | |
| Jul-07-22 | Downgrade | Raymond James | Strong Buy → Outperform | |
| Oct-29-20 | Upgrade | Keefe, Bruyette & Woods | Market Perform → Outperform | |
| Apr-26-19 | Upgrade | B. Riley FBR | Neutral → Buy | |
| Apr-26-19 | Upgrade | B. Riley Securities | Neutral → Buy | |
| Oct-31-17 | Upgrade | FBR Capital | Neutral → Buy | |
| Jul-28-17 | Downgrade | FBR Capital | Outperform → Market Perform |
Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout the United States. Its operations are structured across three main divisions: Consumer, Commercial, and Corporate Services/Other. The firm offers a range of deposit accounts, including checking (demand deposit), savings, money market savings, and certificates of deposit. For commercial clients, Pathward provides diverse financial solutions such as term loans, asset-based lending, factoring services, lease financing, insurance premium financing, and government-guaranteed lending products. It also extends consumer credit offerings and other personal financing services. Further specialized services include short-term taxpayer advance loans and warehouse financing. Moreover, the company plays a significant role in the payments industry by issuing prepaid and consumer credit cards, sponsoring merchant acquiring services, facilitating ATM access across various debit networks, and handling tax refund transfers, alongside other payment solutions. Originally known as Meta Financial Group, Inc., the company adopted its current name, Pathward Financial, Inc., in July 2022. Founded in 1954, Pathward Financial, Inc. is headquartered in Sioux Falls, South Dakota.
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| Line Item (USD, M) | TTM — | FY 2025 9/30/2025 | FY 2024 9/30/2024 | FY 2023 9/30/2023 | FY 2022 9/30/2022 | FY 2021 9/30/2021 | FY 2020 9/30/2020 | FY 2019 9/30/2019 | FY 2018 9/30/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 803 | 685 | 669 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 80 | 68 | 79 | — | — | — | — | — | — | |
| Gross Profit | 722 | 617 | 590 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 248 | 200 | 201 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 263 | 194 | 170 | — | — | — | — | — | — | |
| Operating Income | 210 | 223 | 219 | — | — | — | — | — | — | |
| Interest Expense | 10 | 12 | 21 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 10 | 12 | 21 | — | — | — | — | — | — | |
| Net Income Before Taxes | 210 | 223 | 219 | — | — | — | — | — | — | |
| Income Taxes | 33 | 36 | 34 | — | — | — | — | — | — | |
| Consolidated Net Income | 176 | 186 | 183 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 176 | 187 | 185 | — | — | — | — | — | — | |
| Net Income | 176 | 186 | 183 | — | — | — | — | — | — | |
| EPS (Recurring) | 8.02 | 7.91 | 7.21 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 8.02 | 7.91 | 7.21 | — | — | — | — | — | — | |
| EPS (Diluted) | 7.98 | 7.87 | 7.20 | — | — | — | — | — | — | |
| EBITDA | 251 | 283 | 276 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 9.71 | 9.40 | 9.17 | — | — | — | — | — | — | |
| Price To Sales Ratio | 2.12 | 2.49 | 2.47 | — | — | — | — | — | — | |
| Gross Margin | 89.91 | 90.07 | 88.19 | — | — | — | — | — | — | |
| Operating Margin | 26.15 | 32.55 | 32.74 | — | — | — | — | — | — | |
| Net Margin | 21.92 | 27.15 | 27.35 | — | — | — | — | — | — | |
| Shares Outstanding | 22 | 23 | 25 | — | — | — | — | — | — | |
| Market Capitalization | 1,705 | 1,702 | 1,650 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Hoople Elizabeth G. | Director | May 29 '26 | Sale | 82.29 | 4,500 | 370,305 | 28,050 | Jun 01 |
| Hajek Douglas J. | Director | Apr 29 '26 | Sale | 86.37 | 5,000 | 431,845 | 12,281 | Apr 30 |
| Pharr Brett L. | Chief Executive Officer | Feb 23 '26 | Sale | 93.88 | 15,641 | 1,468,421 | 78,261 | Feb 24 |
| Stork Kendall E | Director | Feb 09 '26 | Sale | 94.15 | 3,000 | 282,450 | 2,153 | Feb 10 |
| Perretta Christopher | Director | Jan 30 '26 | Sale | 89.94 | 1,450 | 130,413 | 6,700 | Feb 04 |
| Mehta Neeraj | Director | Oct 28 '25 | Sale | 69.34 | 2,500 | 173,350 | 2,400 | Dec 01 |
| Hajek Douglas J. | Director | Oct 31 '25 | Sale | 68.11 | 3,000 | 204,330 | 16,631 | Nov 03 |
| Dombrowski Nadia | Chief Legal and Admin Officer | Oct 24 '25 | Sale | 71.46 | 5,000 | 357,300 | 6,528 | Oct 30 |
| Sharett Anthony M. | President | Oct 24 '25 | Sale | 71.55 | 11,500 | 822,825 | 25,155 | Oct 27 |
| Stork Kendall E | Director | Apr 29 '25 | Sale | 79.33 | 4,000 | 317,320 | 6,153 | Apr 30 |
| Warren Jennifer W. | SVP, Chief Accounting Officer | Apr 25 '25 | Sale | 77.97 | 1,667 | 129,976 | 5,019 | Apr 29 |
| Pharr Brett L. | Chief Executive Officer | Apr 25 '25 | Sale | 78.07 | 10,365 | 809,196 | 69,750 | Apr 29 |
| Hajek Douglas J. | Director | Apr 25 '25 | Sale | 79.26 | 1,850 | 146,631 | 19,631 | Apr 28 |
| Sigrist Greg | Chief Financial Officer | Nov 08 '24 | Sale | 80.60 | 2,250 | 181,350 | 9,644 | Nov 12 |
| Warren Jennifer W. | SVP, Chief Accounting Officer | Nov 06 '24 | Sale | 79.15 | 1,556 | 123,157 | 5,008 | Nov 08 |