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PATHWARD FINANCIAL INC

CASHNASDAQ
๐Ÿ† #1961 by market capEarnings Oct 19US Equity
$86.70โ–ผ $0.78 (โˆ’0.90%)
Live
1hโ–ฒ 0.6%
24hโ–ผ 0.9%
7dโ–ผ 3.2%
14dโ–ผ 2.4%
30dโ–ผ 4.5%
1yโ–ฒ 15.1%
๐ŸฆMarket Cap
$1.82B
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+27.7%
High Growth
๐Ÿ“ŠGross Margin
โ€”
๐Ÿ’ตFCF Margin
47.3%
Strong
โš–๏ธP/S Ratio
1.8x
Cheap
Otter Score
46
Weak

Trading Snapshot

Day Range
$85.48 โ€“ $88.00
52-Week Range
$65.87 โ€“ $101.26
Volume
$2.56B
Avg Volume
$2.81B
Shares Outstanding
21.0M
Next Earnings
Oct 1, 2026

Fundamentals Snapshot

Annual Revenue
$685M
Last Q Revenue
$191M
P/E Ratio
9.5
P/S Ratio
1.8x
EPS (TTM)
$8.45
Dividend Yield
0.25%

Why Investors Own CASH

  • โœ“High-growth profile โ€” revenue up +39.5% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 62% gross margin and 17% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$685Mโ–ฒ +43.7% YoY
Gross Margin (TTM)
61.7%โ–ฒ +2.1% YoY
Operating Income (TTM)
$246Mโ–ฒ +43.7% YoY
Free Cash Flow (TTM)
$115Mโ–ฒ +43.7% YoY

About PATHWARD FINANCIAL INC

Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout the United States. Its operations are structured across three main divisions: Consumer, Commercial, and Corporate Services/Other. The firm offers a range of deposit accounts, including checking (demand deposit), savings, money market savings, and certificates of deposit. For commercial clients, Pathward provides diverse financial solutions such as term loans, asset-based lending, factoring services, lease financing, insurance premium financing, and government-guaranteed lending products. It also extends consumer credit offerings and other personal financing services. Further specialized services include short-term taxpayer advance loans and warehouse financing. Moreover, the company plays a significant role in the payments industry by issuing prepaid and consumer credit cards, sponsoring merchant acquiring services, facilitating ATM access across various debit networks, and handling tax refund transfers, alongside other payment solutions. Originally known as Meta Financial Group, Inc., the company adopted its current name, Pathward Financial, Inc., in July 2022. Founded in 1954, Pathward Financial, Inc. is headquartered in Sioux Falls, South Dakota.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Weak
46/100

Analyst Ratings

โ“˜
Consensus
Buy
9 analysts
Strong Buy2
Buy5
Hold2
Sell0
Strong Sell0
Ratings as of Aug 2026

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