Is Pathward Financial (CASH) overvalued or fairly valued?

MarketChacha shows Pathward Financial's valuation in context — a trailing P/E of about 10.5, a forward P/E of about 9.1, a price-to-book of about 2.2 — 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 $88.05 (-0.6% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Pathward Financial

CASH · NYSE · Financials · United States

$88.05-0.6%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:22 PM

Snapshot

TickerCASH

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,181

HeadquartersSioux Falls, United States

Market cap$1.9B

P/E (TTM)10.5

P/B2.2

Volume119.78K

Websitewww.pathwardfinancial.com

Filings tracked3

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders1.4%
Institutions98.6%
Public & other0.0%

392 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.97%
FMR, LLC9.27%
State Street Corporation6.29%
American Century Companies Inc5.39%
Dimensional Fund Advisors LP5.18%
Vanguard Capital Management LLC3.55%
Geode Capital Management, LLC3.31%
Earnest Partners LLC2.72%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

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 $185.3M · EPS 1.81

Est. earnings growth +7.1%

Next fiscal year

Rev $876.7M · EPS 9.67

Est. earnings growth +11.5%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$65.8752-wk range$101.26

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.9B

Day change

-0.6%

P/E (TTM)

10.5

Fwd P/E

9.1

P/B

2.2

Div yield

0.23%

Beta

0.61

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

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

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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
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%
2023Q1	$228.4M	$54.1M	1.96	23.7%

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

Filings & announcements

2026

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

In the news

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