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Pathward Financial, Inc. (CASH) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Pathward Financial, Inc.

CASHMarket cap $1.52BPrice $73.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

Powers banking-as-a-service for fintechs and prepaid card programs, quietly sitting behind brands you actually use. Its ticker "CASH" fits: this bank makes money enabling other companies' financial products, not chasing retail branch customers.

In Bastion Portfolios?

52W Return+3%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+11%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+4%3

Earnings Forecast

EPS Growth Y+1+3%4

EPS Growth Y+2+13%7

EPS Growth Y+3+0%4

Quality

Margins

EBIT Margin0%8

Net Income Margin23%8

Free Cash Flow Margin64%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE21%8

ROA2%4

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)89

P/BV1.87

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%10

Dividend Yield0.3%1

Momentum

Short term

1 month return-12%2

3 month return-19%2

YTD return+3%5

Mid term

Price vs 52wHigh72%4

1 year return-2%4

Long term

3 year return+54%6

5 year return+31%5

Risk Shield

Price Risk

Beta0.94

Volatility30%7

Free Cash Flow

Free Cash Flow Margin64%10

Free Cash Flow Yield0.0%10

Quality

ROCE24%4

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CASHPathward Financial

Revenue FY25$780M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E+13%7

EPS growth, FY28E+0%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 11%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 5%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK21 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-12%2

3-month return-19%2

YTD return+3%5

MID & LONG-TERM▾SCORE

% of 52-week high72%4

1-year return-2%4

3-year return+54%6

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+54% over three years and +31% over five), roughly average for the market.

It's down 2% over the past year, now 28% below its 52-week high. That is a touch behind the market.

Returns sit at the market level so far this year (+3%).

WEAKNESSES

The stock is underperforming over the past month (-12%) and over three months (-19%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Pathward Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CASHPathward Financial

Revenue FY25$780M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E+13%7

EPS growth, FY28E+0%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 11%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 5%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK21 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-12%2

3-month return-19%2

YTD return+3%5

MID & LONG-TERM▾SCORE

% of 52-week high72%4

1-year return-2%4

3-year return+54%6

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+54% over three years and +31% over five), roughly average for the market.

It's down 2% over the past year, now 28% below its 52-week high. That is a touch behind the market.

Returns sit at the market level so far this year (+3%).

WEAKNESSES

The stock is underperforming over the past month (-12%) and over three months (-19%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Pathward Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community