Lumida
/CASH
⌘K
Pathward Financial Inc

Pathward Financial Inc

CASH
$78.62USD-0.71%-0.56 today

MARKET CAP

1.6B

P/E (TTM)

9.6x

FWD P/E

DAY RANGE

$78 – $80

52W RANGE

$66
$101

AI Summary

Stalk
TrimMedium

CASH is in a sustained downtrend characterized by a decisive support failure and persistent lower highs and lows. Despite oversold RSI readings, price remains below the declining EMAs with no clear reversal signal. We assign a bearish medium-term bias but see neutral short-term timing, prompting a strategy to trim into any relief strength into moving-average resistance.

  • Net income $29M in Q3; diluted EPS $1.37 indicates resilience.
  • Fiscal 2026 EPS guidance raised to $7.80–$8.20, targeting $9.50–$10 in 2027.
  • Total credit provisions $34M on two developer loans expose credit risk.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$556.8M$623.2M$738.5M$818.6M$851.5M
YoY %+5.1%+11.9%+18.5%+10.8%+4.0%
P / Sales3.0x1.5x1.7x2.0x2.0x
EV / Sales12.9x10.7x10.5x10.0x9.3x
Gross Profit, Adj.$549.9M$618.4M$727.7M$797.4M$839.9M
YoY %+10.8%+12.5%+17.7%+9.6%+5.3%
Margin %98.8%99.2%98.5%97.4%98.6%
EV / Gross Profit13.0x10.8x10.7x10.3x9.4x
EBITDA, Adj.$159.3M$181.0M$158.3M$221.6M$229.0M
YoY %+36.1%+13.6%-12.5%+40.0%+3.3%
Margin %28.6%29.0%21.4%27.1%26.9%
EV / EBITDA45.0x36.9x49.0x37.1x34.7x
EBIT$156.4M$180.3M$155.0M$218.6M$223.1M
YoY %+36.0%+15.2%-14.0%+41.0%+2.0%
Margin %28.1%28.9%21.0%26.7%26.2%
EV / EBIT45.8x37.0x50.1x37.6x35.6x
Net Income$139.0M$148.7M$141.1M$181.5M$185.2M
YoY %+35.9%+6.9%-5.1%+28.6%+2.0%
Net Margin25.0%23.9%19.1%22.2%21.7%
EPS (GAAP)$4.38$5.09$5.24$7.20$7.87
YoY %+49.0%+16.2%+2.9%+37.4%+9.3%