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Pathward Financial, Inc.NasdaqGS:CASH Rapport sur les actions

Capitalisation boursière US$1.7b
Prix de l'action
US$82.65
US$103.5
20.1% sous-évalué décote intrinsèque
1Y6.5%
7D1.7%
1D
Valeur du portefeuille
​
Voir

Pathward Financial, Inc.

NasdaqGS:CASH Rapport sur les actions

Capitalisation boursière : US$1.7b

Pathward Financial (CASH) Aperçu de l'action

Pathward Financial, Inc. est la holding bancaire de Pathward, National Association, qui fournit divers produits et services bancaires aux États-Unis. Plus de détails

CASH analyse fondamentale
Score flocon de neige
Évaluation5/6
Croissance future0/6
Performances passées3/6
Santé financière4/6
Dividendes0/6

Récompenses

Se négocie à 58.1% en dessous de notre estimation de sa juste valeur

Les revenus ont augmenté 7.5% par an au cours des 5 dernières années

Se négocie à un bon prix par rapport à ses pairs et au secteur

Analyse des risques

Ventes d'initiés importantes au cours des 3 derniers mois


CASH Community Fair Values

Create Narrative

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Analyst Price Targets

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Pathward Financial, Inc. Concurrents

Historique des prix et performances

Résumé des hausses, des baisses et des variations du cours de l'action pour la période du 1er janvier au 31 décembre 2009 Pathward Financial
Historique des cours de bourse
Prix actuel de l'actionUS$82.65
Plus haut sur 52 semainesUS$101.26
Plus bas sur 52 semainesUS$65.87
Bêta0.64
Variation sur 1 mois-15.48%
Variation sur 3 mois-13.65%
Variation sur 1 an6.52%
Variation sur 3 ans80.89%
Variation sur 5 ans57.10%
Évolution depuis l'introduction en bourse2,580.54%

Nouvelles et mises à jour récentes

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
Mise à jour du récit • 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.
Mise à jour du récit • 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.
Mise à jour du récit • 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.
Mise à jour du récit • 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.
Mise à jour du récit • 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.
Mise à jour du récit • 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.
Mise à jour du récit • 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
User avatar
Nouveau récit • 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
Article d’analyse • 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
Article d’analyse • 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...
Article d’analyse • 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...

Rendement pour les actionnaires

CASHUS BanksUS Marché
7D1.7%1.9%-0.3%
1Y6.5%20.9%26.7%

Rendement vs Industrie: CASH a sous-performé le secteur US Banks qui a rapporté 20.9 % au cours de l'année écoulée.

Rendement vs marché: CASH a sous-performé le marché US qui a rapporté 26.7 % au cours de l'année écoulée.

Volatilité des prix

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%

Cours de l'action stable: CASH n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.

Volatilité au fil du temps: La volatilité hebdomadaire de CASH ( 5% ) est restée stable au cours de l'année écoulée.

À propos de l'entreprise

FondéeSalariésPDGSite web
19541,182Brett Pharrwww.pathwardfinancial.com

Pathward Financial, Inc. est la holding bancaire de Pathward, National Association, qui fournit divers produits et services bancaires aux États-Unis. Elle opère à travers trois segments : Consumer, Commercial, et Corporate Services/Other. La société propose des comptes de dépôt à vue, des comptes d'épargne et des comptes d'épargne du marché monétaire.

Pathward Financial, Inc. Résumé des fondamentaux

Comment les bénéfices et les revenus de Pathward Financial se comparent-ils à sa capitalisation boursière ?
CASH statistiques fondamentales
Capitalisation boursièreUS$1.74b
Bénéfices(TTM)US$188.61m
Recettes(TTM)US$777.18m
9.3x
Ratio P/E
2.0x
Rapport P/B

Le site CASH est-il surévalué ?

Voir Juste valeur et analyse de l'évaluation

Bénéfices et recettes

Principales statistiques de rentabilité tirées du dernier rapport sur les bénéfices (TTM)
CASH compte de résultat (TTM)
RecettesUS$777.18m
Coût des recettesUS$0
Marge bruteUS$777.18m
Autres dépensesUS$588.57m
Les revenusUS$188.61m

Derniers bénéfices déclarés

Mar 31, 2026

Prochaine date de publication des résultats

s/o

Résultat par action (EPS)8.93
Marge brute100.00%
Marge bénéficiaire nette24.27%
Ratio dettes/capitaux propres7.0%

Quelles ont été les performances à long terme de CASH?

Voir les performances historiques et les comparaisons

Dividendes

0.2%
Rendement actuel des dividendes
2%
Ratio de distribution

Analyse de l'entreprise et données financières

DonnéesDernière mise à jour (heure UTC)
Analyse de l'entreprise2026/05/21 03:44
Cours de l'action en fin de journée2026/05/21 00:00
Les revenus2026/03/31
Revenus annuels2025/09/30

Sources de données

Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.

PaquetDonnéesCadre temporelExemple de source américaine *
Finances de l'entreprise10 ans
  • Compte de résultat
  • Tableau des flux de trésorerie
  • Bilan
Estimations consensuelles des analystes+3 ans
  • Prévisions financières
  • Objectifs de prix des analystes
Prix du marché30 ans
  • Cours des actions
  • Dividendes, scissions et actions
Propriété10 ans
  • Actionnaires principaux
  • Délits d'initiés
Gestion10 ans
  • L'équipe dirigeante
  • Conseil d'administration
Principaux développements10 ans
  • Annonces de l'entreprise

* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.

Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.

Modèle d'analyse et flocon de neige

Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.

Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.

Indicateurs de l'industrie et du secteur

Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.

Sources des analystes

Pathward Financial, Inc. est couverte par 7 analystes. 3 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.

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