Pathward Financial, Inc.

Valuation Analysis

About the Company

Pathward Financial, Inc. en bref

Pathward Financial, Inc. (CASH) is currently trading at 71,53 € with a market capitalization of 1,5 Md €. The trailing P/E ratio stands at 9.76x, with a forward P/E of 8.49x. The 52-week range spans from 57,42 € to 88,27 €; the current price is 19% below the yearly high. Year-over-year revenue growth stands at -3.7%. The net profit margin stands at 24.32%.

💰 Dividende

Pathward Financial, Inc. pays an annual dividend of 0,17 € per share, representing a yield of 0.24%. The payout ratio stands at 2.38%.

📊 Avis des analystes

2 analystes évaluent Pathward Financial, Inc. (CASH) au consensus : None. L'objectif de cours moyen est de 93,71 €, soit un potentiel de +31.02% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 93,28 € à 94,15 €.

Pathward Financial, Inc. : la thèse d'investissement en détail

Pathward Financial, Inc. (CASH) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Le scénario baissier

Revenue is contracting at -3.7% year-over-year — until that trend reverses, valuation is exposed to further downgrades. Short interest sits at 12.39% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.

Valorisation en contexte

With a PEG ratio of 0.2, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

À surveiller

• The forward P/E of 8.49x is meaningfully below the trailing 9.76x — analysts expect earnings to step up; the next earnings release is the test.
• The analyst consensus price target implies 31.02% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price shows short-term weakness (below 50d MA) but is still in a longer-term uptrend (above 200d MA).

Profil de risque

The data points to relatively defensive market behavior, elevated short interest (12.39%).

Trading Data

💵 Dividend Info

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