Shares Outstanding Shares Outstanding n/a Close	23.85M
Shares Change (YoY) Shares Change (YoY) n/a Close	-5.64%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	-1.14%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	94.25%
Shares Floating Shares Floating n/a Close	23.5M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	30
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.01%

Short Selling Information

The latest short interest is 1.41M, so 5.98% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	1.41M
Short % of Shares Out Short % of Shares Out n/a Close	5.98%
Short % of Float Short % of Float n/a Close	7.17%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	9.48

Valuation Ratios

The PE ratio is 9.87 and the forward PE ratio is 8.94. Pathward Financial's PEG ratio is 0.96.

PE Ratio PE Ratio n/a Close	9.87
Forward PE Forward PE n/a Close	8.94
PS Ratio PS Ratio n/a Close	5.55
Forward PS Forward PS n/a Close	2.1
PB Ratio PB Ratio n/a Close	1.98
P/FCF Ratio P/FCF Ratio n/a Close	9.4
PEG Ratio PEG Ratio n/a Close	0.96

Financial Ratio History

Enterprise Valuation

Pathward Financial has an Enterprise Value (EV) of 1.91B.

EV / Sales EV / Sales n/a Close	6.39
EV / EBITDA EV / EBITDA n/a Close	0
EV / EBIT EV / EBIT n/a Close	4.22
EV / FCF EV / FCF n/a Close	10.82

Financial Position

The company has a current ratio of 0.5, with a Debt / Equity ratio of 0.49.

Current Ratio Current Ratio n/a Close	0.5
Quick Ratio Quick Ratio n/a Close	0.5
Debt / Equity Debt / Equity n/a Close	0.49
Debt / EBITDA Debt / EBITDA n/a Close	1.6
Debt / FCF Debt / FCF n/a Close	2.32
Interest Coverage Interest Coverage n/a Close	9.36

Financial Efficiency

Return on Equity is 20.05% and Return on Invested Capital is 2.25%.

Return on Equity Return on Equity n/a Close	20.05%
Return on Assets Return on Assets n/a Close	2.23%
Return on Invested Capital Return on Invested Capital n/a Close	2.25%
Revenue Per Employee Revenue Per Employee n/a Close	$542,160.17
Profits Per Employee Profits Per Employee n/a Close	$145,763.64
Employee Count Employee Count n/a Close	1,155
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	29.14M
Effective Tax Rate Effective Tax Rate n/a Close	14.66%

Stock Price Statistics

The stock price has increased by 41.99% in the last 52 weeks. The beta is 0.64, so Pathward Financial's price volatility has been higher than the market average.

Beta Beta n/a Close	0.64
52-Week Price Change 52-Week Price Change n/a Close	41.99%
50-Day Moving Average 50-Day Moving Average n/a Close	76.68
200-Day Moving Average 200-Day Moving Average n/a Close	75.2
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	36.17
Average Volume (20 Days) Average Volume (20 Days) n/a Close	206,114

Income Statement

In the last 12 months, Pathward Financial had revenue of 626.2M and earned 168.36M in profits. Earnings per share was 6.63.

Revenue Revenue n/a Close	626.2M
Gross Profit Gross Profit n/a Close	562.3M
Operating Income Operating Income n/a Close	198.79M
Net Income Net Income n/a Close	168.36M
EBITDA EBITDA n/a Close	256.56M
EBIT EBIT n/a Close	198.79M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	6.63

Full Income Statement

Balance Sheet

The company has 158.34M in cash and 410.35M in debt, giving a net cash position of -252.02M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	158.34M
Total Debt Total Debt n/a Close	410.35M
Net Cash Net Cash n/a Close	-252.02M
Retained Earnings Retained Earnings n/a Close	354.47M
Total Assets Total Assets n/a Close	7.01B
Working Capital Working Capital n/a Close	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 453.54M and capital expenditures -276.75M, giving a free cash flow of 176.78M.

Operating Cash Flow Operating Cash Flow n/a Close	453.54M
Capital Expenditures Capital Expenditures n/a Close	-276.75M
Free Cash Flow Free Cash Flow n/a Close	176.78M
FCF Per Share FCF Per Share n/a Close	7.02

Full Cash Flow Statement

Margins

Gross margin is 201.93%, with operating and profit margins of 66.36% and 56.2%.

Gross Margin Gross Margin n/a Close	201.93%
Operating Margin Operating Margin n/a Close	66.36%
Pretax Margin Pretax Margin n/a Close	66.36%
Profit Margin Profit Margin n/a Close	56.2%
EBITDA Margin EBITDA Margin n/a Close	n/a
EBIT Margin EBIT Margin n/a Close	31.75%
FCF Margin FCF Margin n/a Close	28.23%

Dividends & Yields

CASH pays an annual dividend of $0.2, which amounts to a dividend yield of 0.26%.

Dividend Per Share Dividend Per Share n/a Close	$0.20
Dividend Yield Dividend Yield n/a Close	0.26%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	2.71%
Earnings Yield Earnings Yield n/a Close	10.13%
FCF Yield FCF Yield n/a Close	10.64%

Dividend Details

Analyst Forecast

The average price target for CASH is $92, which is 23.7% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$92
Price Target Difference Price Target Difference n/a Close	23.7%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	2

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$117.09
Lynch Upside Lynch Upside n/a Close	57.46%
Graham Number Graham Number n/a Close	70.87
Graham Upside Graham Upside n/a Close	-4.69%

Stock Splits

The last stock split was on Oct 5, 2018. It was a forward split with a ratio of 3:1.

Last Split Date Last Split Date n/a Close	Oct 5, 2018
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	3:1

Scores

Altman Z-Score Altman Z-Score n/a Close	0.42
Piotroski F-Score Piotroski F-Score n/a Close	6