📊 CASH Key Takeaways
Is Pathward Financial, Inc.. (CASH) a Good Investment?
Pathward exhibits exceptional revenue growth of 60.5% YoY with outstanding free cash flow generation of $334.7M (74.5% FCF margin), demonstrating strong operational performance. Fortress balance sheet with 0.04x leverage and 9.1x interest coverage provides significant financial stability, though net income growth of only 0.4% YoY warrants investigation into potential margin compression.
Pathward Financial shows solid top-line momentum and strong cash generation, supported by a conservatively levered balance sheet with minimal long-term debt. However, the quality of that growth is mixed because net income was essentially flat despite revenue rising sharply, while ROE and ROA remain modest for a bank. The fundamentals support stability more than a clearly high-return growth profile.
Pathward Financial, Inc.. Key Strengths (CASH)
- Exceptional revenue growth of 60.5% YoY indicating strong market expansion
- Outstanding free cash flow of $334.7M with 74.5% FCF margin, well exceeding net income
- Fortress balance sheet with minimal leverage (0.04x Debt/Equity) and strong interest coverage (9.1x)
- Solid profitability with 24.0% net margin and 28.9% operating margin
- Diluted EPS growth of 9.3% YoY demonstrating shareholder value creation
- Revenue growth is strong at 60.5% YoY, showing meaningful business expansion
- Balance sheet leverage is low, with debt/equity of 0.04x and only $33.48M of long-term debt
- Operating cash flow and free cash flow are strong relative to revenue, indicating good internal funding capacity
CASH Stock Risks: Pathward Financial, Inc.. Investment Risks
- Critical disconnect between 60.5% revenue growth and 0.4% net income growth suggests material margin compression
- Low ROA of 1.5% indicates suboptimal asset utilization efficiency
- Banking sector exposure to interest rate volatility and economic downturn cycles
- 11 Form 4 insider filings in 90 days warrant monitoring for potential concern signaling
- Net income growth was only 0.4% YoY despite strong revenue growth, suggesting margin pressure or lower earnings quality
- ROE of 4.1% and ROA of 0.5% indicate relatively weak profitability on the capital base
- Interest coverage of 3.0x is adequate but not especially strong if funding costs or credit stress increase
Key Metrics to Watch
- Net income growth trend and operating margin trajectory to determine if revenue growth is sustainable
- Asset quality metrics and loan loss provisions to assess credit risk in loan portfolio
- Return on Assets (ROA) improvement trajectory as bank scales operations
- ROE and ROA improvement
- Net income growth relative to revenue growth
Pathward Financial, Inc.. (CASH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 74.5% 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 Profit Margin, ROE & Profitability Analysis
CASH vs Finance Sector: How Pathward Financial, Inc.. Compares
How Pathward Financial, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Pathward Financial, Inc.. Stock Overvalued? CASH Valuation Analysis 2026
Based on fundamental analysis, Pathward Financial, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Pathward Financial, Inc.. Balance Sheet: CASH Debt, Cash & Liquidity
CASH Revenue & Earnings Growth: 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 Revenue Growth, EPS Growth & YoY Performance
CASH Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $274.8M | $72.9M | $3.14 |
| 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 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Pathward Financial, Inc.. Dividends, Buybacks & Capital Allocation
CASH SEC Filings: Latest 10-K & 10-Q Analysis
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 a Combined AI Grade of A from Claude (A) and ChatGPT (B) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CASH's key strengths?
Claude: Exceptional revenue growth of 60.5% YoY indicating strong market expansion. Outstanding free cash flow of $334.7M with 74.5% FCF margin, well exceeding net income. ChatGPT: Revenue growth is strong at 60.5% YoY, showing meaningful business expansion. Balance sheet leverage is low, with debt/equity of 0.04x and only $33.48M of long-term debt.
What are the risks of investing in CASH?
Claude: Critical disconnect between 60.5% revenue growth and 0.4% net income growth suggests material margin compression. Low ROA of 1.5% indicates suboptimal asset utilization efficiency. ChatGPT: Net income growth was only 0.4% YoY despite strong revenue growth, suggesting margin pressure or lower earnings quality. ROE of 4.1% and ROA of 0.5% indicate relatively weak profitability on the capital base.
What is CASH's revenue and growth?
Pathward Financial, Inc.. reported revenue of $449.4M.
Does CASH pay dividends?
Pathward Financial, Inc.. pays dividends, with $2.2M 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 $4.89.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CASH's fundamental grade?
Based on our AI fundamental analysis in June 2026, Pathward Financial, Inc.. has a A grade with 76% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is CASH stock overvalued or undervalued?
Valuation metrics for CASH: ROE of 12.7% (sector avg: 12%), net margin of 24.0% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
What is CASH's AI grade for 2026?
Our dual AI analysis gives Pathward Financial, Inc.. a combined A grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CASH's free cash flow?
Pathward Financial, Inc..'s operating cash flow is $341.3M, with capital expenditures of $6.5M. FCF margin is 74.5%.
How does CASH compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.0% (avg: 25%), ROE 12.7% (avg: 12%), current ratio N/A (avg: 1.2).