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Pathward Financial, Inc.Informe acción NasdaqGS:CASH

Capitalización bursátil US$1.7b
Precio de las acciones
US$82.65
US$103.5
20.1% infravalorado descuento intrínseco
1Y6.5%
7D1.7%
Valor de la cartera
​
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Pathward Financial, Inc.

Informe acción NasdaqGS:CASH

Capitalización de mercado: US$1.7b

Pathward Financial (CASH) Resumen de Acciones

Pathward Financial, Inc. opera como holding bancario de Pathward, National Association, que ofrece diversos productos y servicios bancarios en Estados Unidos. Saber más

Análisis fundamental de CASH
Puntuación del snowflake
Valoración5/6
Crecimiento futuro0/6
Rendimiento pasado3/6
Salud financiera4/6
Dividendos0/6

Recompensas

Cotiza un 58.1% por debajo de nuestra estimación de su valor justo

Los beneficios han crecido un 7.5% al año en los últimos 5 años

Cotiza a buen valor en comparación con empresas similares e industria

Análisis de riesgos

Venta significativa por parte de personas con información privilegiada en los últimos 3 meses


CASH Community Fair Values

Create Narrative

See what others think this stock is worth. Follow their fair value or set your own to get alerts.

Analyst Price Targets

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Competidores de Pathward Financial, Inc.

Historial de precios y rendimiento

Resumen de las cotizaciones máximas, mínimas y variaciones del Pathward Financial
Precios históricos de las acciones
Precio actual de la acciónUS$82.65
Máximo en las últimas 52 semanasUS$101.26
Mínimo de 52 semanasUS$65.87
Beta0.64
Cambio en 1 mes-15.48%
Variación en 3 meses-13.65%
Cambio de 1 año6.52%
Variación en 3 años80.89%
Variación en 5 años57.10%
Variación desde la OPV2,580.54%

Noticias y actualizaciones recientes

Seeking Alpha • Apr 28

Pathward Financial: Credit Deterioration Is Concerning (Downgrade)

Summary Pathward Financial is downgraded to "Sell" due to deteriorating credit quality and insufficient loan loss reserves. Despite stable capital ratios and aggressive buybacks, NPLs have nearly tripled to 2.39%, with reserves now covering less than 1x NPLs. Loan growth remains robust, but underwriting standards appear lax, increasing exposure to riskier credits as government guarantees decline. At 10x earnings, valuation is seen as full; a more attractive entry would be near $70 or 8x earnings given elevated credit risk. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Apr 28

Pathward Financial: Credit Deterioration Is Concerning (Downgrade)

Summary Pathward Financial is downgraded to "Sell" due to deteriorating credit quality and insufficient loan loss reserves. Despite stable capital ratios and aggressive buybacks, NPLs have nearly tripled to 2.39%, with reserves now covering less than 1x NPLs. Loan growth remains robust, but underwriting standards appear lax, increasing exposure to riskier credits as government guarantees decline. At 10x earnings, valuation is seen as full; a more attractive entry would be near $70 or 8x earnings given elevated credit risk. Read the full article on Seeking Alpha
Actualización de narrativa • Apr 23

CASH: Partner Wins And Tax Season Strength Will Support Fairly Valued Upside Potential

The analyst price target for Pathward Financial has shifted to $107. Analysts cite above-peer returns, a below-peer 10x 2026 P/E multiple, and potential upside from conservative estimates and additional partner wins as key drivers of this change.
Actualización de narrativa • Apr 09

CASH: Partner Wins And Tax Season Strength Will Support Fairly Priced Returns

Analysts have kept their average price target for Pathward Financial roughly unchanged at about $103.50, with recent research pointing to above peer returns, a below peer 10x 2026 P/E, and potential upside from partner wins and a strong Q1 tax season. Analyst Commentary Recent research focuses on how Pathward Financial’s return profile, valuation, and near term catalysts fit together, with most commentary pointing to a constructive setup but also highlighting a few areas to watch.
Actualización de narrativa • Mar 25

CASH: Partner Wins And Tax Season Strength Will Drive P E Re Rating

Narrative update The fair value estimate for Pathward Financial has been revised to $103.50 from $100.00 as analysts factor in recent Overweight and Outperform views, a $107 price target, and expectations that above peer returns and potential partner wins could support a higher future P/E multiple. Analyst Commentary Recent research updates highlight a mix of optimism around Pathward Financial’s earnings power and valuation, alongside some areas where expectations could prove too optimistic if business conditions or partner activity do not line up with forecasts.
Actualización de narrativa • Mar 10

CASH: Buybacks And Auditor Shift Will Shape Future P E Re Rating Profile

Analysts have adjusted their price target on Pathward Financial to $100, largely reflecting updated views on its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions following recent research that included an upgrade to Outperform by Keefe Bruyette analysts. Analyst Commentary Recent research behind the move to a US$100 price target reflects a mix of optimism about Pathward Financial’s positioning and some caution around execution and valuation risks.
Actualización de narrativa • Feb 24

CASH: Buybacks And Auditor Change Will Shape Future P E Re Rating Profile

Analysts have revised their price target on Pathward Financial to reflect an updated future P/E assumption of 11.55 from 10.91, with the change supported by recent research that includes an upgrade to Outperform. Analyst Commentary Analysts updating their outlook on Pathward Financial are using the higher future P/E assumption of 11.55 to frame both the upside potential and the execution risks that could affect whether the company grows into that valuation.
Actualización de narrativa • Feb 09

CASH: Buybacks And Auditor Change Will Shape Future Re Rating Risk Profile

Narrative Update on Pathward Financial The analyst price target for Pathward Financial has been revised to US$100.00 from US$100.00, and analysts cite updated assumptions around revenue growth, profit margins, and a slightly lower future P/E multiple as the key drivers behind this change. Analyst Commentary Bullish analysts framing the recent upgrade highlight how the updated assumptions on growth, margins, and the future P/E multiple still leave room for the stock to work if management delivers consistently on its plan.
Actualización de narrativa • Jan 24

CASH: Lower Discount Rate And Buybacks Will Support Re Rating

Analysts have raised their price target on Pathward Financial from US$88 to US$100, citing updated assumptions around fair value, discount rate, revenue growth, profit margins, and future P/E following recent research upgrades. Analyst Commentary Recent research updates highlight a shift in sentiment toward Pathward Financial, with some analysts adopting a more constructive stance on execution and valuation.
Seeking Alpha • Dec 26

Pathward Financial: Strong Growth At A Fair Price

Summary Pathward's business has an unusually heavy reliance on debit card fee income which has helped it deliver great value to shareholders by growing at a fast pace. The growth prospects overshadow the risks that are currently present and the strong past performance is likely to persist given a lower pace of rate cuts for 2025. Valuation appears to be fair within the context of Pathward's business and its growth potential and recent price developments indicate an opportunity. Read the full article on Seeking Alpha
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Nueva narrativa • Sep 24

Innovative Banking Tech Powers Profit And Expands Market Footprint

Pathward Financial's focus on loan sourcing and underwriting optimization promises higher risk-adjusted returns, boosting profitability.
Seeking Alpha • Sep 11

Pathward Financial: A Profitable Bank Priced For A Collapse In Profitability

Summary Pathward Financial has increased its NOPAT and ROIC despite declining revenues, showcasing improved profitability and efficient capital allocation. The firm’s stable deposit portfolio and significant non-interest income make it resilient to economic volatility and lower interest rates. Pathward has generated nearly 40% of its market cap in free cash flow since 2019, highlighting strong financial health. Trading at a significant discount, Pathward offers a compelling investment opportunity with a 35% upside to its zero-growth value. Read the full article on Seeking Alpha
Seeking Alpha • Jul 14

Pathward Financial: After A Nice Move Higher, Shares Justify Even More Upside

Summary Pathward Financial shares have increased by 14.5% since April, outperforming the S&P 500. The company continues to show attractive growth in net interest income and non-interest income. Asset quality is high, with strong returns on assets and equity, making Pathward Financial a solid buy opportunity. Read the full article on Seeking Alpha
Artículo de análisis • Jun 15

Here's Why Pathward Financial (NASDAQ:CASH) Has Caught The Eye Of Investors

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Seeking Alpha • Apr 08

Pathward Financial: Bullish Stance Unchanged

Summary Pathward Financial, Inc. stock has underperformed in recent months, with only a 6.4% increase compared to the S&P 500's 19% increase. Despite the underperformance, the company's financial results show positive growth in net interest income and asset value. Pathward Financial shares are undervalued, and the company's high-quality assets suggest potential for future growth. Read the full article on Seeking Alpha
Artículo de análisis • Mar 14

We Ran A Stock Scan For Earnings Growth And Pathward Financial (NASDAQ:CASH) Passed With Ease

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Artículo de análisis • Oct 31

Here's Why We Think Pathward Financial (NASDAQ:CASH) Is Well Worth Watching

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...

Rentabilidad de los accionistas

CASHUS BanksMercado US
7D1.7%1.9%-0.3%
1Y6.5%20.9%26.7%

Rentabilidad vs. Industria: Los resultados de CASH fueron inferiores a los de la industria US Banks, que obtuvo un rendimiento del 20.9% el año pasado.

Rentabilidad vs. Mercado: CASH obtuvo unos resultados inferiores a los del mercado US, que fueron del 26.7% el año pasado.

Volatilidad de los precios

Is CASH's price volatile compared to industry and market?
CASH volatility
CASH Average Weekly Movement4.6%
Banks Industry Average Movement3.5%
Market Average Movement7.2%
10% most volatile stocks in US Market16.2%
10% least volatile stocks in US Market3.2%

Precio estable de las acciones: CASH no ha tenido una volatilidad de precios significativa en los últimos 3 meses en comparación con el mercado US.

Volatilidad a lo largo del tiempo: La volatilidad semanal de CASH (5%) se ha mantenido estable durante el año pasado.

Acerca de la empresa

FundadaEmpleadosCEOPágina web
19541,182Brett Pharrwww.pathwardfinancial.com

Pathward Financial, Inc. opera como holding bancario de Pathward, National Association, que ofrece diversos productos y servicios bancarios en Estados Unidos. Opera a través de tres segmentos: Consumidor, Comercial y Servicios Corporativos/Otros. La empresa ofrece cuentas de depósito a la vista, cuentas de ahorro y cuentas de ahorro del mercado monetario.

Resumen de fundamentos de Pathward Financial, Inc.

¿Cómo se comparan los beneficios e ingresos de Pathward Financial con su capitalización de mercado?
Estadísticas fundamentales de CASH
Capitalización bursátilUS$1.74b
Beneficios(TTM)US$188.61m
Ingresos (TTM)US$777.18m
9.3x
Ratio precio-beneficio (PE)
2.0x
Precio/valor contable

¿Está CASH sobrevalorada?

Ver valor justo y análisis de valoración

Beneficios e Ingresos

Estadísticas clave de rentabilidad del último informe de resultados (TTM)
Cuenta de resultados (TTM) de CASH
IngresosUS$777.18m
Coste de los ingresosUS$0
Beneficio brutoUS$777.18m
Otros gastosUS$588.57m
BeneficiosUS$188.61m

Últimos beneficios comunicados

Mar 31, 2026

Próxima fecha de beneficios

n/a

Beneficios por acción (BPA)8.93
Margen bruto100.00%
Margen de beneficio neto24.27%
Ratio deuda/patrimonio7.0%

¿Cómo se ha desempeñado CASH a largo plazo?

Ver rendimiento histórico y comparativa

Dividendos

0.2%
Rentabilidad actual por dividendo
2%
Ratio de pagos

Análisis de la empresa y estado de los datos financieros

DatosÚltima actualización (huso horario UTC)
Análisis de la empresa2026/05/21 23:30
Precio de las acciones al final del día2026/05/21 00:00
Beneficios2026/03/31
Ingresos anuales2025/09/30

Fuentes de datos

Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.

PaqueteDatosMarco temporalEjemplo Fuente EE.UU. *
Finanzas de la empresa10 años
  • Cuenta de resultados
  • Estado de tesorería
  • Balance
Estimaciones del consenso de analistas+3 años
  • Previsiones financieras
  • Objetivos de precios de los analistas
Precios de mercado30 años
  • Precios de las acciones
  • Dividendos, escisiones y acciones
Propiedad10 años
  • Accionistas principales
  • Información privilegiada
Gestión10 años
  • Equipo directivo
  • Consejo de Administración
Principales avances10 años
  • Anuncios de empresas

* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.

A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.

Modelo de análisis y copo de nieve

Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.

Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.

Métricas industriales y sectoriales

Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.

Fuentes analistas

Pathward Financial, Inc. está cubierta por 7 analistas. 3 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.

AnalistaInstitución
Stephen MossB. Riley Securities, Inc.
Timothy SwitzerKeefe, Bruyette, & Woods
Christopher McGrattyKeefe, Bruyette, & Woods