ScoreWhy is Pathward Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 9.48%
2
Strong Long Term Fundamental Strength with a 11.43% CAGR growth in Net Profits
3
Flat results in Dec 25
- GROSS NPA (%)(Q) Highest at 2.19%
- ROCE(HY) Lowest at 2.51%
- NII(Q) Lowest at USD 119.34 MM
4
With ROA of 1.43%, it has a fair valuation with a 2.30 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 23.52%, its profits have risen by 13.8% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 23.52% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Pathward Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Pathward Financial, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Pathward Financial, Inc.
23.52%
2.30
28.68%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.75%
EBIT Growth (5y)
29.68%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
2.54%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
2.30
EV to EBIT
8.57
EV to EBITDA
6.50
EV to Capital Employed
3.55
EV to Sales
2.98
PEG Ratio
0.44
Dividend Yield
0.24%
ROCE (Latest)
41.46%
ROE (Latest)
22.86%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 630.65 MM
ROCE(HY)
Highest at 2.51%
-11What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 2.51%
NII(Q)
Lowest at USD 119.34 MM
CASH AND EQV(HY)
Lowest at USD 451.79 MM
NET SALES(Q)
Lowest at USD 121.22 MM
PRE-TAX PROFIT(Q)
At USD 42.66 MM has Fallen at -25.48%
NET PROFIT(Q)
At USD 35.12 MM has Fallen at -26.11%
Here's what is working for Pathward Financial, Inc.
Operating Cash Flow
Highest at USD 630.65 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Here's what is not working for Pathward Financial, Inc.
Non Performing Loans (%)
Highest at 2.19% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
NII
Lowest at USD 119.34 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Net Sales
Lowest at USD 121.22 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Pre-Tax Profit
At USD 42.66 MM has Fallen at -25.48%
over average net sales of the previous four periods of USD 57.24 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 35.12 MM has Fallen at -26.11%
over average net sales of the previous four periods of USD 47.52 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Cash and Eqv
Lowest at USD 451.79 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 12.26%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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