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Pathward Financial, Inc.NasdaqGS:CASH Aktierapport

Marknadsvärde US$1.7b
Aktiekurs
US$82.65
US$103.5
20.1% undervärderad intrinsisk rabatt
1Y6.5%
7D1.7%
1D
Portföljens värde
​
Utsikt

Pathward Financial, Inc.

NasdaqGS:CASH Aktierapport

Börsvärde: US$1.7b

Pathward Financial (CASH) Aktievy

Pathward Financial, Inc. fungerar som bankholdingbolag för Pathward, National Association som tillhandahåller olika bankprodukter och tjänster i USA. Mer information

CASH fundamental analys
Snöflinga Score
Värdering5/6
Framtida tillväxt0/6
Tidigare resultat3/6
Finansiell hälsa4/6
Utdelningar0/6

Belöningar

Handlar till 58.1% under vår uppskattning av dess verkliga värde

Intäkterna har ökat 7.5% per år under de senaste 5 åren

Handlas till ett bra värde jämfört med konkurrenter och branschen

Riskanalys

Betydande insiderförsäljning under de senaste 3 månaderna


CASH Community Fair Values

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Analyst Price Targets

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Pathward Financial, Inc. Konkurrenter

Prishistorik och prestanda

Sammanfattning av aktiekursernas upp- och nedgångar samt förändringar för Pathward Financial
Historiska aktiekurser
Aktuell aktiekursUS$82.65
52 veckors högstaUS$101.26
52 veckors lägstaUS$65.87
Beta0.64
1 månads förändring-15.48%
3 månaders förändring-13.65%
1 års förändring6.52%
3 års förändring80.89%
5 års förändring57.10%
Förändring sedan börsintroduktionen2,580.54%

Senaste nyheter och uppdateringar

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
Uppdatering av berättelse • 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.
Uppdatering av berättelse • 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.
Uppdatering av berättelse • 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.
Uppdatering av berättelse • 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.
Uppdatering av berättelse • 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.
Uppdatering av berättelse • 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.
Uppdatering av berättelse • 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
Ny berättelse • 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
Analysartikel • 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
Analysartikel • 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...
Analysartikel • 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...

Aktieägarnas avkastning

CASHUS BanksUS Marknad
7D1.7%1.9%-0.8%
1Y6.5%21.3%27.1%

Avkastning vs industri: CASH presterade sämre än US Banks branschen som gav 21.3 % under det senaste året.

Avkastning vs Marknaden: CASH presterade sämre än US marknaden som gav 27.1 % under det senaste året.

Prisvolatilitet

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 Market16.3%
10% least volatile stocks in US Market3.2%

Stabil aktiekurs: CASH har inte haft någon betydande prisvolatilitet under de senaste 3 månaderna jämfört med marknaden för US.

Volatilitet över tid: CASH s veckovolatilitet ( 5% ) har varit stabil under det senaste året.

Om företaget

GrundadAnställdaVD OCH KONCERNCHEFWebbplats
19541,182Brett Pharrwww.pathwardfinancial.com

Pathward Financial, Inc. fungerar som bankholdingbolag för Pathward, National Association som tillhandahåller olika bankprodukter och tjänster i USA. Verksamheten bedrivs genom tre segment: Konsument, kommersiell och företagstjänster / övrigt. Företaget erbjuder avistakonton, sparkonton och penningmarknadssparkonton.

Pathward Financial, Inc. Sammanfattning av grunderna

Hur förhåller sig Pathward Financial:s resultat och omsättning till dess börsvärde?
CASH grundläggande statistik
BörsvärdeUS$1.74b
Vinst(TTM)US$188.61m
Intäkter(TTM)US$777.18m
9.3x
P/E-förhållande
2.0x
P/B-förhållande

Är CASH övervärderat?

Se Verkligt värde och värderingsanalys

Resultat & intäkter

Viktig lönsamhetsstatistik från den senaste resultatrapporten (TTM)
CASH resultaträkning (TTM)
IntäkterUS$777.18m
Kostnad för intäkterUS$0
BruttovinstUS$777.18m
Övriga kostnaderUS$588.57m
IntäkterUS$188.61m

Senast redovisade vinst

Mar 31, 2026

Nästa vinstdatum

n/a

Vinst per aktie (EPS)8.93
Bruttomarginal100.00%
Nettovinstmarginal24.27%
Skuld/egenkapitalförhållande7.0%

Hur har CASH utvecklats på lång sikt?

Se historisk utveckling och jämförelse

Utdelningar

0.2%
Aktuell utdelningsavkastning
2%
Utbetalningskvot

Företagsanalys och finansiella data Status

UppgifterSenast uppdaterad (UTC-tid)
Analys av företag2026/05/21 04:05
Aktiekurs vid dagens slut2026/05/21 00:00
Intäkter2026/03/31
Årlig intjäning2025/09/30

Datakällor

Den data som används i vår företagsanalys kommer från S&P Global Market Intelligence LLC. Följande data används i vår analysmodell för att generera denna rapport. Data är normaliserade vilket kan medföra en fördröjning från det att källan är tillgänglig.

PaketUppgifterTidsramExempel US-källa
Företagets finansiella ställning10 år
  • Resultaträkning
  • Kassaflödesanalys
  • Balansräkning
Analytikernas konsensusuppskattningar+3 år
  • Prognos för finansiella poster
  • Analytikernas prismål
Marknadspriser30 år
  • Aktiekurser
  • Utdelningar, splittar och åtgärder
Ägarskap10 år
  • Största aktieägare
  • Insiderhandel
Förvaltning10 år
  • Ledningsgrupp
  • Styrelse och verkställande direktörer
Viktiga utvecklingstendenser10 år
  • Företagsmeddelanden

* Exempel för amerikanska värdepapper, för icke-amerikanska värdepapper används motsvarande regelverk och källor.

Om inget annat anges är all finansiell data baserad på en årsperiod men uppdateras kvartalsvis. Detta kallas data för efterföljande tolv månader (TTM) eller senaste tolv månader (LTM). Lär dig mer om detta.

Analysmodell och snöflinga

Detaljer om analysmodellen som användes för att skapa den här rapporten finns på vår Github-sida, vi har också guider om hur du använder våra rapporter och tutorials på Youtube.

Lär dig mer om det team i världsklass som utformade och byggde analysmodellen Simply Wall St.

Industri- och sektormått

Våra bransch- och sektionsmått beräknas var sjätte timme av Simply Wall St, detaljer om vår process finns tillgängliga på Github.

Källor för analytiker

Pathward Financial, Inc. bevakas av 7 analytiker. 3 av dessa analytiker lämnade de uppskattningar av intäkter eller resultat som användes som indata till vår rapport. Analytikernas inskickade estimat uppdateras löpande under dagen.

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