CASH

Pathward Financial Inc

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Advanced Chart

80.150

-0.55(-0.682%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

84.750

Open

80.510

VWAP

80.92

Vol

197.51K

Mkt Cap

1.89B

Low

79.990

Amount

15.98M

EV/EBITDA(TTM)

9.55

Total Shares

25.27M

1.68B

EV/OCF(TTM)

P/S(TTM)

3.39

Pathward Financial, Inc. is a financial holding company. The Company operates through its subsidiary Pathward, National Association (the Bank). The Bank operates through three segments: Consumer, Commercial, and Corporate Services/Other. The Consumer segment includes the banking-as-a-service (BaaS) business line, which collaborates with partners to navigate payment and lending needs. The Bank's capabilities range from prepaid cards and deposit accounts to payment processing and consumer lending. The Bank offers a variety of installment and revolving consumer lending products through its credit solutions. The Commercial segment offers a variety of products through its working capital, equipment finance, structured finance, and insurance premium finance lending solutions. The Corporate Services/Other segment includes certain shared services as well as treasury related functions, such as the investment portfolio, warehouse finance, wholesale deposit, and borrowings.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

184.80M

+4.57%

1.683

+1.41%

176.41M

+5.05%

1.487

+10.12%

181.75M

+4.75%

1.520

+20.27%

Estimates Revision

The market is revising No Change the revenue expectations for Pathward Financial, Inc. (CASH) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 1.51%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+1.51%

In Past 3 Month

2 Analyst Rating

12.29% Upside

Wall Street analysts forecast CASH stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CASH is 90.00 USD with a low forecast of 86.00 USD and a high forecast of 94.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

1 Hold

0 Sell

Moderate Buy

12.29% Upside

Current: 80.150

Low

86.00

Averages

90.00

High

94.00

12.29% Upside

Current: 80.150

Low

86.00

Averages

90.00

High

94.00

Keefe Bruyette

Market Perform

maintain

$86 -> $88

2025-07-11

Reason

Keefe Bruyette

Price Target

$86 -> $88

2025-07-11

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on Pathward Financial to $88 from $86 and keeps a Market Perform rating on the shares.

Piper Sandler

Frank Schiraldi

Buy

Maintains

$91 → $94

2025-04-23

Reason

Piper Sandler

Frank Schiraldi

Price Target

$91 → $94

2025-04-23

Maintains

Buy

Reason

Piper Sandler

Frank Schiraldi

Buy

Maintains

$94 → $91

2025-01-22

Reason

Piper Sandler

Frank Schiraldi

Price Target

$94 → $91

2025-01-22

Maintains

Buy

Reason

Piper Sandler

Frank Schiraldi

Buy

Maintains

$82 → $94

2024-12-23

Reason

Piper Sandler

Frank Schiraldi

Price Target

$82 → $94

2024-12-23

Maintains

Buy

Reason

Piper Sandler raised the firm's price target on The Bancorp (TBBK) to $64 from $61 and keeps an Overweight rating on the shares. The firm continues to see Pathward Financial (CASH) and The Bancorp as very attractive over the long term, given business models that generate better profitability and a better growth trajectory than traditional banks, while still largely trading in-line with the group. BaaS pipelines for both should remain strong especially as regulatory pressures force smaller peers out of the business, Piper adds.

Keefe, Bruyette & Woods

Timothy Switzer

Hold

Maintains

$76 → $90

2024-12-04

Reason

Keefe, Bruyette & Woods

Timothy Switzer

Price Target

$76 → $90

2024-12-04

Maintains

Hold

Reason

Piper Sandler

Frank Schiraldi

Buy

Maintains

$75 → $82

2024-10-24

Reason

Piper Sandler

Frank Schiraldi

Price Target

$75 → $82

2024-10-24

Maintains

Buy

Reason

Piper Sandler raised the firm's price target on Pathward Financial to $82 from $75 and keeps an Overweight rating on the shares. The firm notes Pathward Financial reported Q3 EPS of $1.35, better than its expectation of $1.29 and consensus of $1.26. The result drove the bank to slightly outpace full fiscal year guide of $6.40-$6.60, posting GAAP EPS of $6.62. The result represented a revenue beat of 12c primarily driven by net interest income and stronger asset balances, Piper adds.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Pathward Financial Inc (CASH.O) is 10.31, compared to its 5-year average forward P/E of 9.03. For a more detailed relative valuation and DCF analysis to assess Pathward Financial Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

9.03

Current PE

10.31

Overvalued PE

11.13

Undervalued PE

6.93

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

2.15

Current PS

2.32

Overvalued PS

2.69

Undervalued PS

1.61