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Market Closed -
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5-day change | 1st Jan Change | ||
| 88.87 USD | +0.26% |
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+0.23% | +25.17% |
| 07-22 | Pathward Financial, Inc., Q3 2026 Earnings Call, Jul 22, 2026 | |
| 07-22 | Pathward Financial, Inc. Updates Earnings Guidance for the Year 2026 and Provides Earnings Guidance for the Year 2027 | CI |
Projected Income Statement: Pathward Financial, Inc.
| Fiscal Period: September | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 549.9 | 601.1 | 704.5 | 754.7 | 839.9 | 818.4 | 864.9 |
| Change | - | 9.32% | 17.19% | 7.13% | 11.29% | -2.56% | 5.69% |
| EBITDA | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - |
| EBIT 1 | 206.2 | 215.9 | 239.5 | 241.5 | 279.8 | 289 | 299.2 |
| Change | - | 4.68% | 10.95% | 0.82% | 15.89% | 3.26% | 3.56% |
| Interest Paid | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 156.4 | 187.3 | 182.1 | 198.8 | - | 203.3 | 241.6 |
| Change | - | 19.73% | -2.77% | 9.15% | - | - | 18.84% |
| Net income 1 | 141.7 | 156.4 | 161.2 | 166.8 | 185.2 | 170.1 | 192.2 |
| Change | - | 10.36% | 3.06% | 3.5% | 11.01% | -8.14% | 12.98% |
| Announcement Date | 10/27/21 | 10/27/22 | 10/25/23 | 10/23/24 | 10/21/25 | - | - |
Forecast Balance Sheet: Pathward Financial, Inc.
| Fiscal Period: September | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - |
| Announcement Date | 10/27/21 | 10/27/22 | 10/25/23 | 10/23/24 | 10/21/25 | - | - |
Cash Flow Forecast: Pathward Financial, Inc.
| Fiscal Period: September | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| CAPEX 1 | 65.9 | 64.03 | 438.9 | 449.9 | 276.8 | 214 |
| Change | - | -2.85% | 585.43% | 2.52% | -38.49% | -22.67% |
| Free Cash Flow (FCF) 1 | - | - | - | - | - | - |
| Change | - | - | - | - | - | - |
| Announcement Date | 11/30/20 | 11/23/21 | 11/22/22 | 11/21/23 | 11/26/24 | 11/25/25 |
Forecast Financial Ratios: Pathward Financial, Inc.
| Fiscal Period: September | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | - | - | - | - | - | - | - | - |
| EBIT Margin (%) | - | 37.5% | 35.91% | 34% | 31.99% | 33.32% | 35.31% | 34.6% |
| EBT Margin (%) | - | 28.45% | 31.16% | 25.85% | 26.34% | - | 24.85% | 27.94% |
| Net margin (%) | - | 25.77% | 26.02% | 22.88% | 22.1% | 22.05% | 20.79% | 22.22% |
| FCF margin (%) | - | - | - | - | - | - | - | - |
| FCF / Net Income (%) | - | - | - | - | - | - | - | - |
Profitability | ||||||||
| ROA | - | 2.22% | 2.33% | 2.33% | 2.2% | 2.46% | 2.25% | 2.47% |
| ROE | - | 16.53% | 20.63% | 24.86% | 22.37% | 23.44% | 20.07% | 21.6% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Debt / Free cash flow | - | - | - | - | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | - | - | - | - | - | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | - | - | - | - | - |
| CAPEX / FCF (%) | - | - | - | - | - | - | - | - |
Items per share | ||||||||
| Cash flow per share 1 | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | - | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Change | - | - | 0% | 0% | 0% | 0% | 0% | 0% |
| Book Value Per Share 1 | - | 27.53 | 22.41 | 24.85 | 33.79 | 37.65 | 41.49 | 47.42 |
| Change | - | - | -18.6% | 10.89% | 35.98% | 11.42% | 10.21% | 14.28% |
| EPS 1 | - | 4.38 | 5.26 | 5.99 | 6.62 | 7.87 | 7.88 | 9.597 |
| Change | - | - | 20.09% | 13.88% | 10.52% | 18.88% | 0.13% | 21.79% |
| Nbr of stocks (in thousands) | - | 31,920 | 29,054 | 26,226 | 24,977 | 22,773 | 21,024 | 21,024 |
| Announcement Date | - | 10/27/21 | 10/27/22 | 10/25/23 | 10/23/24 | 10/21/25 | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 11.2x | 9.24x |
| PBR | 2.14x | 1.87x |
| EV / Sales | 2.28x | 2.15x |
| Yield | 0.23% | 0.23% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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Quarterly revenue - Rate of surprise
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