CASH
PATHWARD FINANCIAL, INC.
Next earnings Jul 27, 2026 · consensus $1.99 EPS, $196M rev
Last earnings +0.7% on 2026-04-22
$87.16
▲ +0.39%$87.16▲ +19.50%
over 1Y
L $66.35EODHDH $99.87
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.4%
1W+5.6%
1M+5.0%
3M-0.9%
YTD+21.4%
1Y+19.5%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 9 analysts
Buy
Revenue grew 5.3% YoY.
The read
Quality fundamentals and an attractive price line up (~42% below fair value) — the rarer case where both the business and the entry look good.
PATHWARD FINANCIAL, INC. shows $840M in FY2025 revenue (+5.3% YoY), a 22.1% net margin, and 21.7% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $550M | $601M | $704M | $797M | $840M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $142M | $156M | $143M | $183M | $186M |
| Diluted EPS | $4.38 | $5.26 | $5.24 | $7.20 | $7.87 |
| Net margin | 25.8% | 26.0% | 20.3% | 23.0% | 22.1% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF4.4
PEG (trailing)7.65
Earnings yield9.5%
FCF yield22.5%
Quality & risk
ROIC (est.)—
Free cash flow$439M
Total debt$42.5M
Net cash$78.1M
Piotroski F-Score6/7
Capital returns
Buyback yield—
Dividend yield (est.)0.2%
Shareholder yield0.2%
Shares Δ YoY-7.4%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-072026-06-08open ↗4Period ending 2026-05-292026-06-01open ↗144Filing2026-05-29open ↗8-KPeriod ending 2026-05-212026-05-21open ↗10-QPeriod ending 2026-03-312026-05-07open ↗4Period ending 2026-04-292026-04-30open ↗144Filing2026-04-29open ↗3Period ending 2026-04-202026-04-23open ↗8-KPeriod ending 2026-04-222026-04-22open ↗SCHEDULE 13GFiling2026-04-09open ↗SCHEDULE 13G/AFiling2026-03-27open ↗8-KPeriod ending 2026-02-262026-02-26open ↗
Frequently asked
- Is PATHWARD FINANCIAL, INC. (CASH) a buy?
- CASH currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 5.3% YoY.
- What is CASH's fair value?
- A Modified-Graham model based on CASH's SEC fundamentals estimates a fair value of about $123.45. It is an estimate from reported earnings, not a price target.
- Is CASH overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CASH currently appears undervalued relative to its SEC-grounded earnings power.
- What is PATHWARD FINANCIAL, INC.'s quality score?
- CASH scores 76.05882352941177/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000907471, latest 10-Q filed 2026-05-07) · EODHD · as of 6/26/2026, 7:24:12 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.