Pathward Financial, Inc. logo

Pathward Financial, Inc.

CASH

NASDAQFinancial ServicesBanks - Regional

Previous close

$83.68

−$0.29 · -0.35%

Aug 21, 4:00 PM ET

CASH company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

46

Fair Value

Momentum

55

Neutral

Sentiment

55

Mixed

Risk resilience

75

Moderate Risk

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Company profile

Company website

Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout the United States. Its operations are structured across three main divisions: Consumer, Commercial, and Corporate Services/Other. The firm offers a range of deposit accounts, including checking (demand deposit), savings, money market savings, and certificates of deposit. For commercial clients, Pathward provides diverse financial solutions such as term loans, asset-based lending, factoring services, lease financing, insurance premium financing, and government-guaranteed lending products. It also extends consumer credit offerings and other personal financing services. Further specialized services include short-term taxpayer advance loans and warehouse financing. Moreover, the company plays a significant role in the payments industry by issuing prepaid and consumer credit cards, sponsoring merchant acquiring services, facilitating ATM access across various debit networks, and handling tax refund transfers, alongside other payment solutions. Originally known as Meta Financial Group, Inc., the company adopted its current name, Pathward Financial, Inc., in July 2022. Founded in 1954, Pathward Financial, Inc. is headquartered in Sioux Falls, South Dakota.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Brett L. Pharr
Listed since
Sep 20, 1993
Employees
1,182

Market position

Day range

Current $83.68

52-week range

Current $83.68

Open
$84.305
Previous close
$83.97
Volume
408.97K
1.94× average
Average volume
211.24K
Average daily volume
Market cap
1.77B USD
Beta
0.62
Market reference 1
50-day average
$87.0848
-3.91% below average
200-day average
$83.9614
-0.34% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.65B USD
EV / EBITDA
5.85×
Earnings yield
10.73%
Free cash flow yield
13.66%

Profitability & efficiency

Return on equity
21.66%
Return on assets
2.59%
Return on invested capital
14.53%

Financial health

Current ratio
0.22×

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+4.06%
11 comparable reports
Latest EPS result
1.37
Estimate 1.95 · Miss by 29.74%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates3.522.71.891.07Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MetQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 1.29, estimate 1.24, surprise +4.03%, Beat. Q2 2025, reported Apr 22, 2025: actual 3.11, estimate 2.78, surprise +11.87%, Beat. Q3 2025, reported Jul 28, 2025: actual 1.81, estimate 1.57, surprise +15.29%, Beat. Q4 2025, reported Oct 21, 2025: actual 1.69, estimate 1.38, surprise +22.46%, Beat. Q1 2026, reported Jan 22, 2026: actual 1.57, estimate 1.38, surprise +13.77%, Beat. Q2 2026, reported Apr 22, 2026: actual 3.35, estimate 3.35, surprise 0.00%, Met estimate. Q3 2026, reported Jul 22, 2026: actual 1.37, estimate 1.95, surprise -29.74%, Miss. Q4 2026, reported Oct 20, 2026: actual —, estimate 1.63, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates287.54M233.24M178.94M124.64MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 135.88M USD, estimate 254.96M USD, surprise -46.71%, Miss. Q2 2025, reported Apr 22, 2025: actual 230.18M USD, estimate 188.86M USD, surprise +21.88%, Beat. Q3 2025, reported Jul 28, 2025: actual 195.8M USD, estimate 185.05M USD, surprise +5.81%, Beat. Q4 2025, reported Oct 21, 2025: actual 155.35M USD, estimate 195M USD, surprise -20.33%, Miss. Q1 2026, reported Jan 22, 2026: actual 173.1M USD, estimate 185.8M USD, surprise -6.84%, Miss. Q2 2026, reported Apr 22, 2026: actual 276.3M USD, estimate 272.04M USD, surprise +1.57%, Beat. Q3 2026, reported Jul 22, 2026: actual 189.64M USD, estimate 191.17M USD, surprise -0.80%, Miss. Q4 2026, reported Oct 20, 2026: actual —, estimate 179.1M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

9 ratings
Strong buy00%
Buy889%
Hold111%
Sell00%
Strong sell00%

Corporate actions

Corporate action history

Stock split

Effective Oct 5, 2018

3:1

Stock split

Effective Jan 3, 1997

3:2

CASH peers

ETFs holding CASH

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