Loading...
XNASCASH
Market cap1.74bUSD
Jan 10, Last price  
72.20USD
1D
-3.06%
1Q
-2.39%
Jan 2017
110.50%
Name

Pathward Financial Inc

Chart & Performance

D1W1MN
XNAS:CASH chart
P/E
10.34
P/S
5.81
EPS
6.98
Div Yield, %
0.29%
Shrs. gr., 5y
-8.33%
Rev. gr., 5y
-7.91%
Revenues
300m
-48.11%
22,970,12233,042,00039,334,00061,699,000107,273,000130,534,00091,803,000103,308,00091,525,00098,000,000117,394,000178,075,000226,146,000275,224,000452,447,000443,234,000508,269,000501,281,000577,376,000299,587,000
Net income
168m
+2.90%
-924,2513,921,0001,171,00051,000-1,463,00012,393,0004,640,00017,114,00013,418,00015,713,00018,055,00033,220,00044,917,00051,620,00097,004,000104,720,000141,708,000156,386,000163,615,000168,357,000
CFO
454m
+49.63%
5,671,7599,020,0002,472,000-33,059,00022,898,00037,333,00021,858,00079,990,000-23,068,00025,813,00048,956,00078,011,000119,998,00051,733,000191,012,000467,220,000581,645,000268,809,000303,111,000453,537,000
Dividend
Sep 10, 20240.05 USD/sh
Earnings
Jan 22, 2025

Profile

Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, money market savings accounts, and certificate accounts. It also provides commercial finance product comprising term lending, asset based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is headquartered in Sioux Falls, South Dakota.
URL
https://www.pathwardfinancial.com/
IPO date
Sep 20, 1993
Employees
1,186
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑092023‑092022‑092021‑092020‑092019‑092018‑092017‑092016‑092015‑09
Income
Revenues
299,587
-48.11%
577,376
15.18%
501,281
-1.37%
Cost of revenue
201,472
709,814
171,126
Unusual Expense (Income)
NOPBT
98,115
(132,438)
330,155
NOPBT Margin
32.75%
65.86%
Operating Taxes
29,141
16,324
27,964
Tax Rate
29.70%
8.47%
NOPAT
68,974
(148,762)
302,191
Net income
168,357
2.90%
163,615
4.62%
156,386
10.36%
Dividends
(5,067)
(5,426)
(5,921)
Dividend yield
0.30%
0.44%
0.61%
Proceeds from repurchase of equity
(86,850)
(120,436)
(168,234)
BB yield
5.22%
9.70%
17.46%
Debt
Debt current
377,000
13,000
4,549
Long-term debt
33,354
58,793
64,137
Deferred revenue
Other long-term liabilities
6,278,802
6,838,045
6,066,242
Net debt
(2,214,088)
(3,948,834)
(4,126,772)
Cash flow
Cash from operating activities
453,537
303,111
268,809
CAPEX
(276,754)
(449,906)
(438,868)
Cash from investing activities
(227,661)
(920,758)
(310,872)
Cash from financing activities
(443,200)
604,858
117,818
FCF
91,107
(3,444,950)
3,626,233
Balance
Cash
1,899,558
2,179,808
2,270,907
Long term investments
724,884
1,840,819
1,924,551
Excess cash
2,609,463
3,991,758
4,170,394
Stockholders' equity
201,051
22,469
32,572
Invested Capital
7,348,285
7,513,074
923,901
ROIC
0.93%
8.30%
ROCE
1.30%
34.52%
EV
Common stock shares outstanding
25,202
26,926
29,232
Price
66.01
43.22%
46.09
39.84%
32.96
-37.20%
Market cap
1,663,568
34.05%
1,241,001
28.80%
963,495
-42.18%
EV
(550,797)
(2,708,838)
(3,163,307)
EBITDA
155,880
(67,483)
391,756
EV/EBITDA
40.14
Interest
21,233
10,874
4,872
Interest/NOPBT
21.64%
1.48%