Pathward Financial, Inc. (CASH) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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First Merchants Corp. (Indiana)

Park National Corp.

Pathward Financial, Inc.

Why is Pathward Financial, Inc. ?

Negative results in Jun 26

GROSS NPA (%)(Q) Highest at 5.39%
NII(Q) Lowest at USD 112.91 MM
CASH AND EQV(HY) Lowest at USD 307.01 MM

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Pathward Financial, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Pathward Financial, Inc.

14.0%

1.98

30.00%

S&P 500

20.6%

1.55

13.08%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.75%

EBIT Growth (5y)

29.68%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

2.54%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.24

EV to EBIT

8.32

EV to EBITDA

6.31

EV to Capital Employed

3.45

EV to Sales

2.90

PEG Ratio

0.43

Dividend Yield

0.24%

ROCE (Latest)

41.46%

ROE (Latest)

22.86%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 696.86 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 85.84%

-18What is not working for the Company

GROSS NPA (%)

NII(Q)

Lowest at USD 112.91 MM

CASH AND EQV(HY)

Lowest at USD 307.01 MM

NET SALES(Q)

Lowest at USD 114.03 MM

OPERATING PROFIT(Q)

Lowest at USD 32.39 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 28.4 %

PRE-TAX PROFIT(Q)

Lowest at USD 32.39 MM

NET PROFIT(Q)

Lowest at USD 29.1 MM

EPS(Q)

Lowest at USD 1.37

Here's what is working for Pathward Financial, Inc.

Operating Cash Flow

Highest at USD 696.86 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Highest at 85.84%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Pathward Financial, Inc.

Pre-Tax Profit

At USD 32.39 MM has Fallen at -43.62%

over average net sales of the previous four periods of USD 57.45 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Non Performing Loans (%)

Highest at 5.39% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Profit

At USD 29.1 MM has Fallen at -39.46%

over average net sales of the previous four periods of USD 48.07 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

NII

Lowest at USD 112.91 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Net Sales

Lowest at USD 114.03 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Net Sales

At USD 114.03 MM has Fallen at -9.7%

over average net sales of the previous four periods of USD 126.28 MM

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD 32.39 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 28.4 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 32.39 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 29.1 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 1.37

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Cash and Eqv

Lowest at USD 307.01 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents