CASH Earnings Prediction
The chart below shows how CASH performed 10 days before and after its earnings report, based on data from the past quarters. Typically, CASH sees a -2.25% change in stock price 10 days leading up to the earnings, and a +3.67% change 10 days following the report. On the earnings day itself, the stock moves by +0.13%. This data can give you a slight idea of what to expect for the next quarter's release.
CASH Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
123.45M
1.85%
-5.50%
Gross Margin
--
--
--
Operating Margin
21.70%
11.74%
-26.42%
Net Margin
27.68%
-7.86%
-14.01%
EPS
1.34
-2.19%
-19.28%
No Data Available
CASH Earnings Analysis
Pathward Financial Inc Corporation (CASH.O) Earnings Conference Call
Positive
Earnings Growth Exceeds Guidance: Earnings per diluted share for fiscal year 2024 reached $0.62, exceeding the high end of guidance and reflecting an 11% year-over-year growth.
Net Income Increase: Net income for the year was $168.4 million, driven by a 17% increase in net interest income compared to the previous year.
Net Interest Margin Expansion: The full year net interest margin expanded to 6.41%, with an adjusted net interest margin of 4.85%, indicating improved profitability on assets.
SBA Market Growth: The company moved up almost 80 places to become the 39th largest SBA 7 program lender in the country, showcasing significant growth in the SBA market.
Earnings Guidance Increase: Fiscal year 2025 guidance for earnings per diluted share has been increased to a range of $7.10 to $7.60, reflecting strong operational momentum and pipeline growth.
Negative
Deposit Decline Impact: Deposits on balance sheet decreased by over $700,000,000 from a year ago, indicating a significant reduction in liquidity and potential challenges in attracting new deposits.
Loan Portfolio Contraction: Total loans and leases decreased by $290,000,000 from a year ago, reflecting a contraction in the lending portfolio and potential issues in loan growth.
Non-Interest Income Decline: Non-interest income declined compared to the prior year's quarter, primarily due to a decrease in card and deposit fee income, which could impact overall revenue generation.
Credit Loss Provision Decrease: Provision for credit losses for the year was $42,600,000, a 26% decrease from the prior year, indicating potential issues in credit quality and risk management despite a lower provision.
Rising Non-Interest Expenses: Total non-interest expense increased versus the same quarter last year, primarily due to increases in compensation and benefits, which could pressure margins and profitability.
CASH FAQs
How does CASH typically perform around its earnings report dates?
Is Earnings call transcript: Pathward Financial Q4 2024 beats forecasts, stock dips positive or negative?
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CASH Earning Call Sentiment
Earnings call transcript: Pathward Financial Q4 2024 beats forecasts, stock dips
CASH.O
-3.13%Positive
The earnings call summary and Q&A indicate strong financial performance, with growth in EPS and net income, an improved net interest margin, and optimistic guidance. The share repurchase plan further supports positive sentiment. Although there are some concerns about liquidity management and unclear responses in the Q&A, the overall outlook, including increased guidance and strategic partnerships, suggests a positive stock price movement. Given the small-cap nature of the company, a positive impact in the 2% to 8% range is likely.
