Pathward Financial Statistics
Share Statistics
Pathward Financial has 24.12M shares outstanding. The number of shares has increased by -4.76% in one year.
| Shares Outstanding | 24.12M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | -1.16% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 23.70M |
| Failed to Deliver (FTD) Shares | 309 |
| FTD / Avg. Volume | 0.16% |
Short Selling Information
The latest short interest is 1.72M, so 6.87% of the outstanding shares have been sold short.
| Short Interest | 1.72M |
| Short % of Shares Out | 6.87% |
| Short % of Float | 6.98% |
| Short Ratio (days to cover) | 9.78 |
Valuation Ratios
The PE ratio is 9.96 and the forward PE ratio is 9.83. Pathward Financial 's PEG ratio is 0.86.
| PE Ratio | 9.96 |
| Forward PE | 9.83 |
| PS Ratio | 2.14 |
| Forward PS | 2.5 |
| PB Ratio | 1.98 |
| P/FCF Ratio | 17.66 |
| PEG Ratio | 0.86 |
Enterprise Valuation
Pathward Financial Inc. has an Enterprise Value (EV) of 908.03M.
| EV / Earnings | 5.44 |
| EV / Sales | 1.17 |
| EV / EBITDA | 3.71 |
| EV / EBIT | 4.57 |
| EV / FCF | 9.65 |
Financial Position
The company has a current ratio of 0.5, with a Debt / Equity ratio of 0.49.
| Current Ratio | 0.5 |
| Quick Ratio | 0.5 |
| Debt / Equity | 0.49 |
| Total Debt / Capitalization | 32.82 |
| Cash Flow / Debt | 0.23 |
| Interest Coverage | 9.36 |
Financial Efficiency
Return on equity (ROE) is 0.2% and return on capital (ROIC) is 13.57%.
| Return on Equity (ROE) | 0.2% |
| Return on Assets (ROA) | 0.02% |
| Return on Capital (ROIC) | 13.57% |
| Revenue Per Employee | 625.25K |
| Profits Per Employee | 134.42K |
| Employee Count | 1.24K |
| Asset Turnover | 0.1 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 29.14M |
| Effective Tax Rate | 0.15 |
Stock Price Statistics
The stock price has increased by 55.57% in the last 52 weeks. The beta is 0.68, so Pathward Financial 's price volatility has been higher than the market average.
| Beta | 0.68 |
| 52-Week Price Change | 55.57% |
| 50-Day Moving Average | 76.7 |
| 200-Day Moving Average | 62.19 |
| Relative Strength Index (RSI) | 54.4 |
| Average Volume (20 Days) | 190.04K |
Income Statement
In the last 12 months, Pathward Financial had revenue of $775.94M and earned $166.82M in profits. Earnings per share was $6.63.
| Revenue | 775.94M |
| Gross Profit | 775.94M |
| Operating Income | 198.79M |
| Net Income | 166.82M |
| EBITDA | 244.68M |
| EBIT | 198.79M |
| Earnings Per Share (EPS) | 6.63 |
Balance Sheet
The company has $158.34M in cash and $410.35M in debt, giving a net cash position of -$252.02M.
| Cash & Cash Equivalents | 158.34M |
| Total Debt | 410.35M |
| Net Cash | -252.02M |
| Retained Earnings | 354.47M |
| Total Assets | 7.55B |
| Working Capital | -187.28M |
Cash Flow
In the last 12 months, operating cash flow was $94.09M and capital expenditures $0, giving a free cash flow of $94.09M.
| Operating Cash Flow | 94.09M |
| Capital Expenditures | 0 |
| Free Cash Flow | 94.09M |
| FCF Per Share | 3.74 |
Margins
Gross margin is 100%, with operating and profit margins of 25.62% and 21.5%.
| Gross Margin | 100% |
| Operating Margin | 25.62% |
| Pretax Margin | 25.62% |
| Profit Margin | 21.5% |
| EBITDA Margin | 31.53% |
| EBIT Margin | 25.62% |
| FCF Margin | 12.13% |
Dividends & Yields
CASH pays an annual dividend of $0.2, which amounts to a dividend yield of 0.24%.
| Dividend Per Share | $0.20 |
| Dividend Yield | 0.24% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 3.02% |
| Earnings Yield | 8.12% |
| FCF Yield | 4.78% |
Analyst Forecast
The average price target for CASH is $86, which is 5.3% higher than the current price. The consensus rating is "Hold".
| Price Target | $86 |
| Price Target Difference | 5.3% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
Stock Splits
The last stock split was on Oct 5, 2018. It was a forward split with a ratio of 3:1.
| Last Split Date | Oct 5, 2018 |
| Split Type | forward |
| Split Ratio | 3:1 |
Scores
| Altman Z-Score | 0.39 |
| Piotroski F-Score | 8 |