CASH Valuation

Pathward Financial Inc

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75.300

0(0.000%)1D

Overview
Forecast
Valuation
Earnings

CASH Relative Valuation

CASH's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CASH is overvalued; if below, it's undervalued.

Historical Valuation

Pathward Financial Inc (CASH) is now in the Fair zone, suggesting that its current forward PE ratio of 9.18 is considered Fairly compared with the five-year average of 9.05. The fair price of Pathward Financial Inc (CASH) is between 66.57 to 94.04 according to relative valuation methord.

Relative Value

Fair Zone

66.57-94.04

Current Price：75.30

Fair

9.18

Trailing

Forward

0.00

EV/EBITDA

Pathward Financial Inc. (CASH) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Pathward Financial Inc. (CASH) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.03

Pathward Financial Inc. (CASH) has a current PS of 2.03. The 5-year average PS is 2.16. The thresholds are as follows: Strongly Undervalued below 1.10, Undervalued between 1.10 and 1.63, Fairly Valued between 2.69 and 1.63, Overvalued between 2.69 and 3.22, and Strongly Overvalued above 3.22. The current Forward PS of 2.03 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Pathward Financial Inc. (CASH) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Pathward Financial Inc. (CASH) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Pathward Financial Inc (CASH) has a current Price-to-Book (P/B) ratio of 2.11. Compared to its 3-year average P/B ratio of 1.99 , the current P/B ratio is approximately 5.94% higher. Relative to its 5-year average P/B ratio of 1.88, the current P/B ratio is about 12.25% higher. Pathward Financial Inc (CASH) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of -7.75%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 7.25% , the current FCF yield is about -100.00% lower.

2.11

P/B

Median3y

1.99

Median5y

1.88

0.00

FCF Yield

Median3y

-7.75

Median5y

7.25

Competitors Valuation Multiple

The average P/S ratio for CASH's competitors is 3.87, providing a benchmark for relative valuation. Pathward Financial Inc Corp (CASH) exhibits a P/S ratio of 2.03, which is -47.57% above the industry average. Given its robust revenue growth of 15.47%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CASH.O

Pathward Financial Inc

Nicolet Bankshares Inc

Foreign Trade Bank of Latin America Inc

4.98

18.18%

1.67B

Performance Decomposition

Market capitalization of CASH increased by 9.56% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 130.64M to 150.85M.

The secondary factor is the P/E Change, contributed 6.89%to the performance.

Overall, the performance of CASH in the past 1 year is driven by Revenue Growth. Which is more sustainable.

15.47%

130.64M → 150.85M

Revenue Growth

-12.80%

32.19 → 28.07

Margin Expansion

6.89%

10.19 → 10.89

P/E Change

9.56%