Pathward Financial Inc. (CASH)
Pathward Financial Statistics
Share Statistics
Pathward Financial has 23.85M shares outstanding. The number of shares has increased by -5.38% in one year.
| Shares Outstanding | 23.85M |
| Shares Change (YoY) | -5.38% |
| Shares Change (QoQ) | -3.43% |
| Owned by Institutions (%) | 94.53% |
| Shares Floating | 23.49M |
| Failed to Deliver (FTD) Shares | 95 |
| FTD / Avg. Volume | 0.05% |
Short Selling Information
The latest short interest is 1.83M, so 7.57% of the outstanding shares have been sold short.
| Short Interest | 1.83M |
| Short % of Shares Out | 7.57% |
| Short % of Float | 7.68% |
| Short Ratio (days to cover) | 8.07 |
Valuation Ratios
The PE ratio is 9.87 and the forward PE ratio is 9.49. Pathward Financial's PEG ratio is 0.96.
| PE Ratio | 9.87 |
| Forward PE | 9.49 |
| PS Ratio | 5.55 |
| Forward PS | 2.1 |
| PB Ratio | 1.98 |
| P/FCF Ratio | 9.4 |
| PEG Ratio | 0.96 |
Enterprise Valuation
Currently the Enterprise Value (EV) is not available for Pathward Financial Inc..
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
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 | 1.11 |
| 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 | $256,057.26 |
| Profits Per Employee | $143,894.87 |
| Employee Count | 1,170 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 29.14M |
| Effective Tax Rate | 0.15 |
Stock Price Statistics
The stock price has increased by 48.59% in the last 52 weeks. The beta is 0.7, so Pathward Financial's price volatility has been higher than the market average.
| Beta | 0.7 |
| 52-Week Price Change | 48.59% |
| 50-Day Moving Average | 76.82 |
| 200-Day Moving Average | 70.93 |
| Relative Strength Index (RSI) | 51.8 |
| Average Volume (20 Days) | 194.33K |
Income Statement
In the last 12 months, Pathward Financial had revenue of 299.59M and earned 168.36M in profits. Earnings per share was 6.63.
| Revenue | 299.59M |
| Gross Profit | 299.59M |
| Operating Income | 198.79M |
| Net Income | 168.36M |
| EBITDA | 0 |
| 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 | 7.62B |
| Working Capital | 2.11B |
Cash Flow
In the last 12 months, operating cash flow was 453.54M and capital expenditures -276.75M, giving a free cash flow of 176.78M.
| Operating Cash Flow | 453.54M |
| Capital Expenditures | -276.75M |
| Free Cash Flow | 176.78M |
| FCF Per Share | 7.02 |
Margins
Gross margin is 100%, with operating and profit margins of 66.36% and 56.2%.
| Gross Margin | 100% |
| Operating Margin | 66.36% |
| Pretax Margin | 66.36% |
| Profit Margin | 56.2% |
| EBITDA Margin | n/a |
| EBIT Margin | 66.36% |
| FCF Margin | 59.01% |
Dividends & Yields
CASH pays an annual dividend of $0.2, which amounts to a dividend yield of 0.29%.
| Dividend Per Share | $0.20 |
| Dividend Yield | 0.29% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 2.92% |
| Earnings Yield | 8.84% |
| FCF Yield | 9.88% |
Analyst Forecast
The average price target for CASH is $90.5, which is 20.7% higher than the current price. The consensus rating is "Hold".
| Price Target | $90.5 |
| Price Target Difference | 20.7% |
| 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 | 0.7 |
| Piotroski F-Score | 8 |