Pathward Financial, Inc.

DB:FM7 Stock Report

Market Cap: €1.7b

Pathward Financial Past Earnings Performance

Past criteria checks 3/6

Pathward Financial has been growing earnings at an average annual rate of 10%, while the Banks industry saw earnings growing at 18% annually. Revenues have been growing at an average rate of 11.1% per year. Pathward Financial's return on equity is 20.2%, and it has net margins of 23.5%.

Key information

10.0%

Earnings growth rate

18.0%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate11.1%
Return on equity20.2%
Net Margin23.5%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Pathward Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:FM7 Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 247111673050
30 Jun 246961692980
31 Mar 246871722960
31 Dec 236571612920
30 Sep 236441612920
30 Jun 236181492920
31 Mar 235821262960
31 Dec 225551212910
30 Sep 225731542820
30 Jun 225561462750
31 Mar 225541622590
31 Dec 215501722520
30 Sep 214981392430
30 Jun 214841362320
31 Mar 214451162240
31 Dec 204391092150
30 Sep 204341022170
30 Jun 204351102200
31 Mar 204491212200
31 Dec 194411022300
30 Sep 19431952270
30 Jun 19402862180
31 Mar 19357631980
31 Dec 18320621740
30 Sep 18286521490
30 Jun 18272451340
31 Mar 18270481300
31 Dec 17271481220
30 Sep 17255451170
30 Jun 17239491080
31 Mar 17226481000
31 Dec 1617830890
30 Sep 1617333840
30 Jun 1616632810
31 Mar 1615328770
31 Dec 1512319710
30 Sep 1511618660
30 Jun 1511017620
31 Mar 1510416580
31 Dec 149915560
30 Sep 149716540
30 Jun 149516520
31 Mar 149315510
31 Dec 139314500

Quality Earnings: FM7 has high quality earnings.

Growing Profit Margin: FM7's current net profit margins (23.5%) are lower than last year (25%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FM7's earnings have grown by 10% per year over the past 5 years.

Accelerating Growth: FM7's earnings growth over the past year (3.5%) is below its 5-year average (10% per year).

Earnings vs Industry: FM7 earnings growth over the past year (3.5%) did not outperform the Banks industry 12.6%.

Return on Equity

High ROE: FM7's Return on Equity (20.2%) is considered high.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 13:02
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2024/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Pathward Financial, Inc. is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen MossB. Riley Securities, Inc.
Stephen MossFBR Capital Markets & Co.
Christopher McGrattyKeefe, Bruyette, & Woods