📊 CASH Key Takeaways
Investment Thesis
Pathward Financial demonstrates strong revenue growth of 60.5% YoY with excellent cash generation (104.1M FCF, 60.1% FCF margin) and solid profitability metrics (20.3% net margin, 24.6% operating margin). The company maintains a conservative capital structure (0.04x debt/equity) with substantial liquidity (331.2M cash), though returns on equity and assets remain modest at 4.1% and 0.5% respectively.
CASH Strengths
- Exceptional revenue growth of 60.5% YoY indicating strong business momentum
- Robust free cash flow generation of 104.1M with 60.1% FCF margin demonstrating operational efficiency
- Conservative leverage with 0.04x debt/equity ratio and only 33.5M long-term debt
- Strong operating margin of 24.6% and net margin of 20.3% showing pricing power and cost control
- Substantial cash position of 331.2M providing financial flexibility
CASH Risks
- Low return on equity (4.1%) and return on assets (0.5%) suggests capital is not being deployed efficiently
- Modest net income growth of only 0.4% YoY despite 60.5% revenue growth indicates margin compression or one-time items
- Interest coverage ratio of 3.0x is adequate but not exceptional, leaving limited cushion for stress
- 11 Form 4 insider filings warrant monitoring for potential concerns or strategic positioning
- As a bank with primarily loan portfolio assets, cyclical economic downturns could significantly impact asset quality
Key Metrics to Watch
- Net interest margin (NIM) and loan portfolio quality metrics
- Net income growth relative to revenue growth trajectory
- Return on equity improvement and capital deployment efficiency
- Non-performing loan ratios and credit loss provisions
- Deposit growth and core funding stability
CASH Financial Metrics
💡 AI Analyst Insight
The 60.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CASH Profitability Ratios
CASH vs Finance Sector
How PATHWARD FINANCIAL, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CASH Balance Sheet & Liquidity
CASH 5-Year Financial Trend
5-Year Trend Summary: PATHWARD FINANCIAL, INC.'s revenue has grown significantly by 53% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.98 reflects profitable operations.
CASH Growth Metrics (YoY)
CASH Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $173.1M | $30.0M | $1.23 |
| Q3 2025 | $188.6M | $42.1M | $1.78 |
| Q2 2025 | $257.6M | $69.9M | $2.74 |
| Q1 2025 | $162.8M | $27.7M | $1.06 |
| Q3 2024 | $165.2M | $41.8M | $1.66 |
| Q2 2024 | $228.4M | $54.8M | $1.99 |
| Q1 2024 | $149.8M | $27.7M | $0.98 |
| Q3 2023 | $126.1M | $22.4M | $0.76 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CASH Capital Allocation
CASH SEC Filings
Access official SEC EDGAR filings for PATHWARD FINANCIAL, INC. (CIK: 0000907471)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CASH
What is the AI rating for CASH?
PATHWARD FINANCIAL, INC. (CASH) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CASH's key strengths?
Exceptional revenue growth of 60.5% YoY indicating strong business momentum. Robust free cash flow generation of 104.1M with 60.1% FCF margin demonstrating operational efficiency.
What are the risks of investing in CASH?
Low return on equity (4.1%) and return on assets (0.5%) suggests capital is not being deployed efficiently. Modest net income growth of only 0.4% YoY despite 60.5% revenue growth indicates margin compression or one-time items.
What is CASH's revenue and growth?
PATHWARD FINANCIAL, INC. reported revenue of $173.1M.
Does CASH pay dividends?
PATHWARD FINANCIAL, INC. pays dividends, with $1.1M distributed to shareholders in the trailing twelve months.
Where can I find CASH SEC filings?
Official SEC filings for PATHWARD FINANCIAL, INC. (CIK: 0000907471) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CASH's EPS?
PATHWARD FINANCIAL, INC. has a diluted EPS of $1.57.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.