Pathward Financial, Inc.
NASDAQ Global SelectTotal Valuation
Pathward Financial, Inc. carries a market capitalization of 1.72B, placing it among publicly traded companies globally. Its enterprise value stands at 963.89M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 1.72B |
| Enterprise Value | 963.89M |
Share Statistics
Pathward Financial, Inc. currently has 21.33M shares outstanding.
| Shares Outstanding | 21.33M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Pathward Financial, Inc. trades at a trailing price-to-earnings ratio of 10.58. The price-to-sales ratio is 2.92, and the price-to-book ratio stands at 5.86.
| PE Ratio | 10.58 |
| PS Ratio | 2.92 |
| PB Ratio | 5.86 |
| P/TBV Ratio | 3.69 |
| P/FCF Ratio | 2.26 |
| P/OCF Ratio | 2.96 |
Enterprise Valuation
On an enterprise value basis, Pathward Financial, Inc. trades at an EV/EBITDA multiple of 17.37 and an EV/FCF ratio of 1.08.
| EV / Sales | 1.41 |
| EV / EBITDA | 17.37 |
| EV / EBIT | N/A |
| EV / FCF | 1.08 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 7.00 |
| Debt / EBITDA | 1.07 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 55.35 |
| Return on Assets (ROA) | 2.68 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Pathward Financial, Inc. has paid 35.46M in income taxes, reflecting an effective tax rate of 15.73.
| Income Tax | 35.46M |
| Effective Tax Rate | 15.73 |
Stock Price Statistics
Pathward Financial, Inc.'s stock has gained approximately 4.3183% over the past 52 weeks. The 50-day moving average sits at 88.22, while the 200-day moving average is 80.69.
| Beta (5Y) | N/A |
| 52-Week Price Change | 4.3183% |
| 50-Day Moving Average | 88.22 |
| 200-Day Moving Average | 80.69 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Pathward Financial, Inc. generated 685.48M in revenue and converted that into 189.03M in net income, yielding earnings per share of 8.43.
| Revenue | 685.48M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 225.41M |
| Net Income | 189.03M |
| EBITDA | 55.50M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 8.43 |
Balance Sheet
Pathward Financial, Inc. holds 1.09B in cash and equivalents against 59.51M in total debt, resulting in a net debt position of -98.09M.
| Cash & Cash Equivalents | 1.09B |
| Total Debt | 59.51M |
| Net Debt | -98.09M |
| Equity (Book Value) | 340.96M |
| Book Value Per Share | 15.21 |
| Working Capital | N/A |
Cash Flow
Pathward Financial, Inc. produced 675.28M in operating cash flow over the past twelve months. After subtracting -214.20M in capital expenditures, free cash flow totaled 461.07M - equivalent to 20.57 per share.
| Operating Cash Flow | 675.28M |
| Capital Expenditures | -214.20M |
| Free Cash Flow | 461.07M |
| FCF Per Share | 20.57 |
Margins
Pathward Financial, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 32.88 |
| Profit Margin | 27.58 |
| EBITDA Margin | 8.10 |
Dividends & Yields
The company's payout ratio of 2.36 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.20 |
| Dividend Yield | N/A |
| Payout Ratio | 2.36 |
| Shareholder Yield | 6.57 |
| FCF Yield | 44.26 |
Stock Splits
Pathward Financial, Inc.'s most recent stock split took place on October 5, 2018 with a 1:3 split ratio.
| Last Split Date | 10/5/2018 |
| Split Ratio | 1:3 |
Scores
Pathward Financial, Inc. posts an Altman Z-Score of 0.36, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.36 |