Pathward Financial Valuation

Is FM7 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FM7 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: FM7 (€65) is trading below our estimate of fair value (€251.05)

Significantly Below Fair Value: FM7 is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for FM7?

Other financial metrics that can be useful for relative valuation.

FM7 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio2x

Price to Earnings Ratio vs Peers

How does FM7's PE Ratio compare to its peers?

The above table shows the PE ratio for FM7 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average9.1x
PCZ ProCredit Holding
4.5x9.7%€485.3m
CHCO City Holding
15x-2.2%US$1.7b
FCF First Commonwealth Financial
11.1x2.3%US$1.7b
600908 Wuxi Rural Commercial BankLtd
5.6x8.0%CN¥12.4b
FM7 Pathward Financial
10.6x5.2%€1.8b

Price-To-Earnings vs Peers: FM7 is expensive based on its Price-To-Earnings Ratio (10.6x) compared to the peer average (9.1x).


Price to Earnings Ratio vs Industry

How does FM7's PE Ratio compare vs other companies in the European Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.09%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.09%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: FM7 is expensive based on its Price-To-Earnings Ratio (10.6x) compared to the European Banks industry average (7.7x).


Price to Earnings Ratio vs Fair Ratio

What is FM7's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FM7 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.6x
Fair PE Ratio9.4x

Price-To-Earnings vs Fair Ratio: FM7 is expensive based on its Price-To-Earnings Ratio (10.6x) compared to the estimated Fair Price-To-Earnings Ratio (9.4x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FM7 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€65.00
€72.90
+12.2%
3.8%€75.67€70.13n/a2
Oct ’25€59.00
€66.40
+12.5%
2.0%€67.76€65.04n/a2
Sep ’25€60.00
€64.11
+6.8%
5.6%€67.72€60.49n/a2
Aug ’25€62.50
€65.45
+4.7%
5.6%€69.14€61.77n/a2
Jul ’25€52.50
€58.87
+12.1%
7.9%€63.54€54.20n/a2
Jun ’25€49.00
€58.87
+20.1%
7.9%€63.54€54.20n/a2
May ’25€48.00
€58.87
+22.6%
7.9%€63.54€54.20n/a2
Apr ’25€46.40
€58.98
+27.1%
6.3%€62.67€55.30n/a2
Mar ’25€47.00
€58.98
+25.5%
6.3%€62.67€55.30n/a2
Feb ’25€48.00
€59.05
+23.0%
6.3%€62.74€55.36n/a2
Jan ’25€48.60
€57.26
+17.8%
9.5%€62.71€51.81n/a2
Dec ’24€45.40
€58.73
+29.4%
8.1%€63.46€53.99n/a2
Nov ’24€42.60
€58.73
+37.9%
8.1%€63.46€53.99€65.002
Oct ’24€43.20
€57.44
+33.0%
6.3%€61.09€53.80€59.002
Sep ’24€45.40
€57.44
+26.5%
6.3%€61.09€53.80€60.002
Aug ’24€47.20
€57.44
+21.7%
6.3%€61.09€53.80€62.502
Jul ’24€42.80
€49.44
+15.5%
8.3%€53.52€45.36€52.502
Jun ’24€41.00
€49.44
+20.6%
8.3%€53.52€45.36€49.002
May ’24€39.40
€49.44
+25.5%
8.3%€53.52€45.36€48.002
Apr ’24€36.80
€52.37
+42.3%
12.5%€58.91€45.82€46.402
Mar ’24€48.00
€52.37
+9.1%
12.5%€58.91€45.82€47.002
Feb ’24€45.40
€46.37
+2.1%
14.9%€53.26€39.49€48.002
Jan ’24€40.80
€48.67
+19.3%
11.3%€54.19€43.15€48.602
Dec ’23€41.60
€48.67
+17.0%
11.3%€54.19€43.15€45.402
Nov ’23€42.40
€48.67
+14.8%
11.3%€54.19€43.15€42.602

Analyst Forecast: Target price is less than 20% higher than the current share price.


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