Why did Pathward Financial (CASH) stock move recently?

On 7/27/2026, Pathward Financial moved +3.6% — No specific company catalyst identified for the July 27 move; the stock appears to have rebounded following the post-earnings reaction earlier in the week amid mixed Q3 results and updated FY2026/FY2027 EPS guidance. This is MarketChacha's decoded reason from filings and credible news; it is education, not buy/sell advice.

Is Pathward Financial (CASH) overvalued or fairly valued?

MarketChacha shows Pathward Financial's valuation in context — a trailing P/E of about 10.4, a forward P/E of about 8.6, a price-to-book of about 2.0 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Pathward Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (2.47×) from reported figures — education, not a rating.

What is Pathward Financial's revenue?

Pathward Financial reported revenue of $839.9M for FY2025, with net profit of $185.9M, per official filings.

What is the share price of Pathward Financial (CASH)?

Pathward Financial last traded at $82.88 (+0.1% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Pathward Financial

CASH · NYSE · Financials · United States

Snapshot

TickerCASH

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,196

HeadquartersSioux Falls, United States

Websitewww.pathwardfinancial.com

Filings tracked19

About Pathward Financial

Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, and money market savings accounts. It also provides commercial finance product comprising term lending, asset-based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; installment and revolving consumer lending products; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, the company offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments, financial processing services for freestanding ATMs; digital payments; and merchant services, as well as issues debit and prepaid cards. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is based in Sioux Falls, South Dakota.

Who owns it

Insiders1.5%
Institutions98.5%
Public & other0.0%

395 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.94%
FMR, LLC8.68%
State Street Corporation6.93%
American Century Companies Inc6.11%
Dimensional Fund Advisors LP5.13%
Geode Capital Management, LLC3.53%
Vanguard Capital Management LLC3.51%
Earnest Partners LLC2.74%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion2.47×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend20.3% → 22.1%

Margin has expanded by about 1.8 points — the business is getting more profitable.

Return on equity21.7%

Latest ROE of 21.7% — capital is generating a healthy return.

Growth qualityrev 9% · PAT 14%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $183.4M · EPS 1.63

Est. earnings growth +3.6%

Next fiscal year

Rev $864.9M · EPS 9.60

Est. earnings growth +21.8%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$839.9M

Net margin

22.1%

ROE

21.7%

Revenue CAGR (2y)

+9.2%

Profit CAGR (2y)

+13.9%

EPS (FY2025)

7.87

Net profit (FY2025)

$185.9M

Ask MarketChacha about CASH

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Why it moved

Jul 27, 2026
No specific company catalyst identified for the July 27 move; the stock appears to have rebounded following the post-earnings reaction earlier in the week amid mixed Q3 results and updated FY2026/FY2027 EPS guidance.
· confidence: low
Jul 24, 2026
Pathward shares rose following a disclosure that Principal Financial Group bought shares, after a sharp prior drop on Q3 earnings miss and lowered FY2026 EPS guidance.
source 1 ↗· confidence: low
Jul 23, 2026
Pathward Financial shares fell on continued reaction to its fiscal Q3 2026 earnings release the prior day, which showed a sharp EPS miss ($1.37 vs. $1.95 expected) driven by a much higher provision for credit losses ($28.3M) and elevated net charge-offs, alongside updated FY2026 EPS guidance lowered to $7.80-$8.20.
source 1 ↗source 2 ↗source 3 ↗· confidence: high

Daily moves with the verified reason behind them. Education only — not investment advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$839.9M	$185.9M	7.87	22.1%	21.7%
FY2024	$797.4M	$183.2M	7.20	23.0%	22.3%
FY2023	$704.5M	$143.3M	5.24	20.3%	22.0%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$189.6M	$29.0M	1.37	15.3%
2026Q1	$276.3M	$72.9M	3.35	26.4%
2025Q4	$173.1M	$35.2M	1.57	20.3%
2025Q3	—	$38.8M	1.69	—
2025Q2	$195.8M	$42.1M	1.81	21.5%
2025Q1	$274.8M	$75.0M	3.14	27.3%
2024Q4	$182.6M	$30.0M	1.23	16.4%
2024Q3	—	$33.5M	1.34	—
2024Q2	$188.6M	$44.9M	1.78	23.8%
2024Q1	$257.6M	$69.9M	2.74	27.1%
2023Q4	$162.8M	$34.9M	1.34	21.4%
2023Q3	—	$25.3M	0.96	—
2023Q2	$165.2M	$36.1M	1.34	21.8%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/6/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/22/2026material
8-K — Other events, Exhibits
SEC5/21/2026material
10-Q filing
SEC5/7/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/22/2026material
8-K — Other events, Exhibits
SEC2/26/2026material
8-K — Shareholder vote results
SEC2/25/2026material
10-Q filing
SEC2/5/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/22/2026material

2025

8-K — Auditor change, Exhibits
SEC12/30/2025material
10-K filing
SEC11/25/2025
8-K — Other events, Exhibits
SEC11/20/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/21/2025material
10-Q filing
SEC9/16/2025
10-Q filing
SEC9/10/2025
8-K — Delisting notice, Reg FD disclosure, Exhibits
SEC9/2/2025material
10-K/A filing
SEC8/29/2025
8-K — Other events, Exhibits
SEC8/21/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/28/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.