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Earnings transcript
Read the complete earnings call transcript.
CASH
Pathward Financial, Inc.
$90
-0.02
(-0.02%)
| Exchange: | NASDAQ |
| Market Cap: | 2.011B |
| Shares Outstanding: | 13.043M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Brett L. Pharr | |||||
| Full Time Employees: | 1155 | |||||
| Address: |
| |||||
| Website: | http://www.pathwardfinancial.com |
Pathward Financial, Inc. operates as the 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, money market savings accounts, and certificate 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; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. 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 headquartered in Sioux Falls, South Dakota.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 611,465 | 668,902 | 685,230 |
| Gross Profit | 491,349 | 589,568 | 616,858 |
| EBITDA | 220,000 | 276,385 | 282,778 |
| Operating Income | 155,045 | 218,620 | 223,053 |
| Net Income | 143,266 | 183,219 | 185,872 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 7,535,543 | 7,549,336 | 7,172,344 |
| Total Liabilities | 6,884,918 | 6,709,731 | 6,314,890 |
| Total Stockholders Equity | 651,630 | 839,882 | 858,045 |
| Total Debt | 46,873 | 410,354 | 9,000 |
| Cash and Cash Equivalents | 375,580 | 158,337 | 120,568 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 303,111 | 453,537 | 168,002 |
| Capital Expenditure | -449,906 | -276,754 | 0 |
| Free Cash Flow | -146,795 | 176,783 | 168,002 |
| Net Income | 165,807 | 168,357 | 185,872 |
| Net Change in Cash | -12,458 | -217,243 | -453 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 874,992.792 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 881,007.207 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 878,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 361,576.425 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 364,061.783 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 362,819.104 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 226,099.754 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 228,122.230 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 227,110.992 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 265,208.088 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 267,031.042 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 266,119.565 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 9.660 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 9.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 9.610 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Pathward Financial reported strong results in its Q3 2025 earnings call, with key financial metrics such as net interest margin showing resilience. Revenue and net income figures from the income statements indicate consistent growth over recent periods, supported by effective balance sheet optimization.
- Positive Free Cash Flow: The cash flow statements reflect a healthy free cash flow yield (TTM), as seen in the key metrics, demonstrating the company’s ability to generate cash after capital expenditures. This provides financial flexibility for reinvestment or debt management.
- Strategic Focus on Technology: Insights from the Q3 2025 earnings call highlight ongoing investments in technology and partner solutions, positioning Pathward Financial as a forward-thinking player in its industry, potentially enhancing operational efficiency and customer offerings.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CASH intrinsic value between $86.56 – $103.22 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CASH valuation
Is Pathward Financial, Inc. (CASH) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Pathward Financial, Inc. (CASH) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CASH a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CASH trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CASH’s P/E ratio?
You can see CASH’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CASH?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CASH a good long-term investment?
Whether CASH fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CASH
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Daily snapshot
-0.02
Trading Metrics:
| Open: | 88.67 | Previous Close: | 90.02 | |
| Day Low: | 88.2 | Day High: | 90.19 | |
| Year Low: | 64.45 | Year High: | 96.06 | |
| Price Avg 50: | 90.47 | Price Avg 200: | 78.76 | |
| Volume: | 180364 | Average Volume: | 266952 |
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Login — it's freeCASH full analysis
Welcome to MARKETSNAP’s SWOT analysis for Pathward Financial, ticker CASH! If you’re a long-term investor looking to build wealth, you’ve come to the right place. Today, we’re diving deep into Pathward Financial, a company that might not be a household name for everyone but plays a significant role in its niche. Let’s unpack what makes this stock tick, from its core strengths to potential pitfalls, and see if it fits into your portfolio for the long haul. First, a quick…
