Pathward Financial, Inc.
NASDAQ Global SelectTotal Valuation
Pathward Financial, Inc. carries a market capitalization of 1.55B, placing it among publicly traded companies globally. Its enterprise value stands at 974.36M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 1.55B |
| Enterprise Value | 974.36M |
Share Statistics
Pathward Financial, Inc. currently has 21.02M shares outstanding.
| Shares Outstanding | 21.02M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Pathward Financial, Inc. trades at a trailing price-to-earnings ratio of 10.85. The price-to-sales ratio is 2.79, and the price-to-book ratio stands at 2.15.
| PE Ratio | 10.85 |
| PS Ratio | 2.79 |
| PB Ratio | 2.15 |
| P/TBV Ratio | 3.37 |
| P/FCF Ratio | 2.10 |
| P/OCF Ratio | 2.74 |
Enterprise Valuation
On an enterprise value basis, Pathward Financial, Inc. trades at an EV/EBITDA multiple of 19.03 and an EV/FCF ratio of 1.07.
| EV / Sales | 1.42 |
| EV / EBITDA | 19.03 |
| EV / EBIT | N/A |
| EV / FCF | 1.07 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 23.62 |
| Debt / EBITDA | 3.93 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 21.06 |
| Return on Assets (ROA) | 2.42 |
| 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 33.73M in income taxes, reflecting an effective tax rate of 16.02.
| Income Tax | 33.73M |
| Effective Tax Rate | 16.02 |
Stock Price Statistics
Pathward Financial, Inc.'s stock has declined approximately -2.22163% over the past 52 weeks. The 50-day moving average sits at 84.03, while the 200-day moving average is 85.06.
| Beta (5Y) | N/A |
| 52-Week Price Change | -2.22163% |
| 50-Day Moving Average | 84.03 |
| 200-Day Moving Average | 85.06 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Pathward Financial, Inc. generated 684.79M in revenue and converted that into 175.85M in net income, yielding earnings per share of 8.02.
| Revenue | 684.79M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 210.47M |
| Net Income | 175.85M |
| EBITDA | 51.21M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 8.02 |
Balance Sheet
Pathward Financial, Inc. holds 1.06B in cash and equivalents against 201.03M in total debt, resulting in a net debt position of 51.62M.
| Cash & Cash Equivalents | 1.06B |
| Total Debt | 201.03M |
| Net Debt | 51.62M |
| Equity (Book Value) | 850.90M |
| Book Value Per Share | 40.47 |
| Working Capital | N/A |
Cash Flow
Pathward Financial, Inc. produced 696.87M in operating cash flow over the past twelve months. After subtracting -217.73M in capital expenditures, free cash flow totaled 479.14M - equivalent to 21.85 per share.
| Operating Cash Flow | 696.87M |
| Capital Expenditures | -217.73M |
| Free Cash Flow | 479.14M |
| FCF Per Share | 21.85 |
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 | 30.74 |
| Profit Margin | 25.68 |
| EBITDA Margin | 7.48 |
Dividends & Yields
The company's payout ratio of 2.48 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.20 |
| Dividend Yield | N/A |
| Payout Ratio | 2.48 |
| Shareholder Yield | 9.49 |
| FCF Yield | 47.69 |
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 0.34, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.34 |