StockData
CASHNasdaqNational Commercial BanksFiscal year ends September 30

PATHWARD FINANCIAL, INC.

Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$72.24−0.69 (-0.95%)

Close on Oct 19, 2026

Market cap
$1.53B
P/E (TTM)
9.1
Dividend yield
0.28%

Pathward Financial statistics

Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison

Valuation

MeasurePathward FinancialIndustry median
Market Cap$1.50B$679.86M
Enterprise Value$1.52B$408.94M
PE Ratio9.0512.00
PS Ratio1.823.61
PB Ratio1.761.18
P/TBV Ratio2.761.41
P/FCF Ratio2.2010.93
P/OCF Ratio2.1510.04

Enterprise value

MeasurePathward FinancialIndustry median
EV / Sales1.842.78
EV / FCF2.228.25

Income (trailing twelve months)

MeasurePathward FinancialIndustry median
Revenue$825.76M$170.85M
Pretax Income$210.47M$70.12M
Net Income$175.85M$54.33M
EPS (Diluted)$7.98$2.90

Margins

MeasurePathward FinancialIndustry median
Pretax Margin25.5%36.4%
Profit Margin21.3%29.1%
FCF Margin82.8%33.0%

Returns

MeasurePathward FinancialIndustry median
Return on Equity (ROE)21.1%10.5%
Return on Assets (ROA)2.42%1.12%

Growth

MeasurePathward FinancialIndustry median
Revenue Growth (YoY)-0.84%11.8%
Net Income Growth (YoY)-2.63%23.1%
EPS Growth (YoY)6.12%22.7%
FCF Growth (YoY)146.5%27.1%
Revenue Growth (3Y CAGR)11.8%5.82%
Revenue Growth (5Y CAGR)11.0%6.17%
EPS Growth (3Y CAGR)15.6%1.26%
EPS Growth (5Y CAGR)21.8%8.24%

Balance sheet

MeasurePathward FinancialIndustry median
Cash & Short-Term Investments$149.41M$205.54M
Total Debt$167.50M$177.19M
Net Cash (Debt)-$18.09M$164.40M
Net Cash Per Share-$0.87$8.13
Equity (Book Value)$850.90M$560.44M
Book Value Per Share$40.96$28.47
Tangible Book Value$542.88M$472.29M

Financial position

MeasurePathward FinancialIndustry median
Debt / Equity0.200.20
Debt / FCF0.251.81

Cash flow (trailing twelve months)

MeasurePathward FinancialIndustry median
Operating Cash Flow$696.87M$61.20M
Capital Expenditures-$13.26M-$4.02M
Free Cash Flow$683.61M$52.43M
FCF Per Share$32.91$3.07

Efficiency

MeasurePathward FinancialIndustry median
Asset Turnover0.110.04
Revenue Per Employee$813.55K$353.78K
Profits Per Employee$173.25K$107.28K
Employee Count1,015489

Dividends and yields

MeasurePathward FinancialIndustry median
Earnings Yield11.7%8.07%
FCF Yield45.6%8.89%
Dividend Yield0.28%2.48%
Buyback Yield-0.00%1.55%
Shareholder Yield0.28%3.13%
Dividend Per Share$0.20$0.93
Dividend Growth (YoY)0.00%4.26%
Years of Dividend Growth02
Payout Ratio2.51%29.4%
FCF Payout Ratio0.64%26.0%

Shares

MeasurePathward FinancialIndustry median
Shares Outstanding20,773,40018,839,100
Shares Change (YoY)-8.12%0.39%
Float20,443,10017,061,900
Shares Held by Insiders1.59%5.89%
Shares Held by Institutions99.6%61.9%

Taxes

MeasurePathward FinancialIndustry median
Income Tax$33.73M$14.50M
Effective Tax Rate16.0%21.1%

Scores

MeasurePathward FinancialIndustry median
Graham Number$85.76$45.31
Graham Upside18.7%21.6%
Altman Z-Score0.320.21
Piotroski F-Score76

Calculated by StockData from Pathward Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.